Cash Back Credit Card: Earn While You Spend! By: Ed Vegliante Cash back credit cards are an excellent way to earn money while you spend! Instead of making purchases with standard credit cards, you might want to consider applying for cash back credit cards because such cards reward you with cash back on every purchase you make! Further, in addition to cash back on all of your purchases, cash back credit cards offer you the opportunity to afford additional savings, in ways you might not have imagined possible. Cash Back The obvious benefit derived from having cash back credit cards is the money that consumers get back on every purchase. Frequently, credit card issuing companies will supply credit card users with approximately 5% cash back on certain purchases like those made at drug stores, supermarkets, and gas stations. Additionally, many credit card companies will give 1% cash back on all other purchases. Needless to say, if you use your credit card frequently, such benefits can add up quickly. Further, your accumulated savings can be used for just about anything, but you can really save if you follow the example provided below. Savings Due to the fact that you save 1 to 5 percent on many of your purchases made with cash back credit cards, you can find yourself saving quite a bit of money. Let's take a look at the example provided below to analyze the possibilities. If you spend $1000 at supermarkets, $200 at drug stores and $300 dollars at gas stations in three months time, you will have spent $1500. Now consider this: $1500 x 5% = $75.00 Thus, you save $75.00 for every $1500 you spend with your cash back credit card! Now project such savings over one year's time. For instance, if you spend approximately $1500 every three months at establishments that make you eligible to receive 5% back on your purchases you will have spent $6000.00 for the year. Now, consider the savings: $6000 x 5% = $300.00 Making Your Savings Work for You So, what can your savings do for you? Plenty! With the $300.00 you save, you can store it away for a rainy day or you can reward yourself for being so credit savvy and for saving yourself some money! Copyright 2005 Ed Vegliante. About the Author: Ed Vegliante is the owner of http://www.credit-card-surplus.com , a well organized credit card directory enabling the user to compare and apply for a variety of credit credit card offers. Find links to secure online credit card applications.

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