For absolute transparency, I am too. Yes, I make money by referring people to credit card offers but the difference between me versus them is the fact that I actually give a darn about your financial future!



So, before I dive into revealing the truth behind what are the best cash back credit cards, there are a few things you must know before you delve in an blindly apply for a credit card.

Here are some plain truth facts you need to consider before you apply for a credit card or any form of loan for that matter:

Because interest rates can fluctuate you should look at factors such as ongoing APR, ideally you want to apply for a card offer that leaves rates unchanged.

The best cash back credit card to apply for should not only offer cash back rewards but also offer a 0% Intro Rate. You need to know this; some card offers have 0% for 12mos.

The Federal Reserve enacted legislation that forces card issuers to state in plain English as to what the exact date introductory 0% APR offers expire and the exact dates the ongoing interest rates are allotted for. In the best scenarios you want to apply for a credit that does not fluctuate the ongoing APR without advance notice. The exact number of men and women who don't know these key factors is astonishing!

There are tons of families where the men and women of the household don't bother to look at interest rates, annual fees or the terms and conditions of keeping the 0% intro APR.

Due to being overburdened with day to day living issues there are far too many people that lose out on opportunities to save money on their credit card debt!

During my interviews with financial planners they report that most of their clients don't bother checking the cost of having a credit card and thus don't reap the benefits of a cash back rewards program.

Colin McDougall, the president and CEO of a major credit card review website, says:

“Far too many men, women and families fail to read the fine print on credit card offers and violate the terms and conditions. As a result of the consumer to enact due diligence in researching the terms and conditions they pay far too much in interest charges and other fees.”

McDougall goes on to say, “If credit card applicants would take an extra 2 or 3 minutes out of their busy lives, they could save hundreds if not thousands of dollars on credit card fees. Fees such as interest rates and annual card costs could be reduced significantly if card applicants would simply apply for the card offer that is best for them.”

It is common that financial planners recommend leading a cash-only lifestyle, which makes perfect sense because when you live by a cash only model you avoid getting over your head in credit card debt.

However if you can discipline yourself to point where you are responsible and pay the balance owing every month then you can leverage earnings offered by credit cards with cash back rewards.

Many financial experts suggest that the problem is widespread, the problem being that most people simply don't have the time to take advantage of some key benefits offered by credit card issuers.

Since credit cards are part of your everyday lives, after who can live without credit cards these day. Some people do live the cash only lifestyle but it's in your best interest to take advantage of every opportunity to put more cash back in your family budget.

There are several cash back credit cards on the market today that offer anywhere from 1% cash back all the way up to 20% cash back on your credit card purchases. Also, if you currently do carry a balance on an existing credit card then you must know that many of the cash back offers also provide you with an introductory 0% APR for anywhere from 6 months to 15 months!

I challenge you to take a few moments right now, pull out your credit card statements and see how much money you are spending on interest and look at how much you have spent on your card. You will realize very quickly that you can instantly start putting more money back into your bank account by leveraging a cash back credit card offer that has an interest free introductory period.