Credit Cards That Pay You Back

We all want our credit cards to do a little work for us, seeing how we pay them so much interest, and on a revolving basis no less, for purchases we make year round, and many times we see nothing but bills in return. In return for that interest, we may want things like money toward future purchases, or gas points, or airline miles, or maybe even the every popular “cash back” card as popularized by Discover Cards way back when.

But do all credit cards really give back, and if they do, are the terms of them giving back to us as the credit card holders so hard to meet that it’s not even worth it, or is it really just such a pittance that we’re getting back that we don’t even want to deal with it?

Some credit cards, or even some banks may give us catalogs where we can use “reward points”, and we can make purchases out of those catalogues to buy things that we can pay for through our reward points garnered through our credit card purchases, and we get the catalogue and it’s brands we’ve never heard of, or you need so many points toward the item you want that you’ll definitely be racking up points for years before you even see the day.

I know a lot of people who have said the reward catalogues are quite the joke, because they give you products that are subpar and either don’t work or are not made well or look cheap. Some of the best credit cards that give back in my opinion, that really give back something you can actuallly use, are airline miles credit cards, and the cards that give you points toward future gasoline purchases, because these are practical items that we really can use.

Even with these you want to make sure the APR is low or that you can pay the balance off every month if it’s a little higher than you are comfortable with.