 TITLE: What Is a Cash Back Credit Card? CONTENT: How Do I Choose the Right Cash Back Card?\n-----------------------------------------\nWith so many appealing cash back cards available these days, it can be hard to narrow down the best option for your wallet. Be aware that a good to excellent credit score is typically required to qualify for the best cash back credit cards, so if your credit isn't stellar, you might need to work on improving it first.\nAs you compare cash back cards, first look at some of the basic terms that you would review anytime you're shopping around for a new credit card. The card's annual percentage rate (APR) is an important factor, especially if you plan to carry a balance. A high interest rate can take a bite out of your cash back rewards, so consider a low interest credit card if you don't think you'll be able to pay off your balance every month.\nNext, check to see if there's an annual fee. Annual fees are another expense that can take away from your cash back earning potential, but paying a fee could be worth it on high rewards rate cards. Some card issuers waive annual fees for the first year you have the card, so be sure to reassess the card's value once the fee kicks in.\nOnce you've narrowed down your list a bit, it's important to closely compare the cards' benefits and rewards programs. Take a close look at the terms of each cash back program since they can vary significantly from card to card, with different limits or exceptions that may change the appeal of the card.\nAs you're going over card terms, keep an eye out for rewards restrictions or limits: Some cash back cards put a cap on how much you can earn in certain categories. For example, you might earn a quarterly cash back bonus rate on up to $1,500 in gas station spending, with any spending beyond that earning the regular rate. Read the card terms carefully before you apply to avoid any surprises.\nYou may also want to consider if there's a sign-up or intro bonus, which some cash back cards offer as incentives. These bonuses typically provide a sizable cash reward if you spend a certain amount within a few months of opening the card. END