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Making money when you spend money. Sounds a little to good to be true – does it? But you see these commercials advertising this all the time. So what's the deal? Do these cards really work and are you the only one who is being left out or do they just not exist? Keep reading to find out what and best cash-back credit cards are and if they really do work.

First of all, these cards do exist. What the credit card companies don't bother to tell you is that these cards are not what you need to be carrying if you don't pay off your card each month. The cash-back rewards really do exist, but the monthly APR is high. In other words, if you don't pay off your balance each month, the interest they are going to charge you is going to use up your "cash-back" reward. These cards are good if you pay off your balance regularly. If you don't pay off your balance each month, it would be better for you to use a card with the lowest APR.

Here are four of the top cash-back credit cards:

American Express

  • 12.49% – 18.49% APR
  • 5% cash back at grocery stores, gas stations, and drugstores (after you've spent $ 6,500 within a year – if you spend less, the rate is 1% and 0.5%
  • 1.5% cash back on all other purchases
  • 0% APR on new purchases for up to 12 months
  • Offers a fixed 2.99% on balances transferred for 12 months
  • 3% transfer fee

Capital One

  • 9.9% – 16.9% APR
  • 2% cash-back on gas and groceries
  • % on all purchases
  • 0% APR for up to 12 months
  • No limits on cash-back rewards
  • Rewards never expire
  • $ 29 annual fee charged to people with lower credit scores

Chase Visa

  • 9.99% – 18.99% APR
  • 3% for every dollar you spend on gas, groceries, and fast food for the six months
  • 1% for all other purchases
  • $ 50 credit after first purchase
  • 0% APR for up to 12 months
  • 3% rewards are limited to $ 600 in purchases per month (after you reach $ 600, you earn 1%)

Discover

  • 10.99% – 18.99% APR
  • 5% cash back in various categories on up to $ 400 of quarterly purchases
  • 0.25% on other purchases up to $ 1,500 in yearly spending
  • 0.5% from $ 1,500 to $ 3,000 on new purchases for six months
  • 1% after $ 3,000 on new purchases for six months
  • 0% balance transfers for up to 12 months
  • 3% transfer fee

Now that you know if a cash-back credit card is right for you and which credit card company offers the best ones, get started finding the exact card. Each of these companies has several cards that fit the above mentioned benefits. Be sure you compare each card they offer so you can get these deals.

Do Best Cash-Back Cards Really Work?

Do Best Cash-Back Cards Really Work?