Did you know that a credit card with a low APR isn't always the best credit card to use for your purchases? If you shop around carefully, you can find credit cards that will help you save money, earn gifts and get discounts on the things you want and need to buy? Cashback credit cards are designed to offer you rewards for your loyalty in using a credit card issued by a particular company. Here's how to get the most out of using cashback credit cards.

- Pick the best credit card right from the start.
Before you even apply for a cashback credit card, do a little digging to find the best cashback credit card for you. It's not always the one that offers the highest cashback amount, or the one with the lowest APR – it depends a great deal on how you use your credit card.

- Choose a cashback credit card that gives you cash back on the purchases you're likely to make.
The latest trend with credit card companies is to encourage what they call micropurchases – purchases of less than £5. That means that they're offering cash back on your purchases at corner stores, petrol stations and supermarkets to get you to use their credit cards to pay for your purchases there. When you're shopping for a cashback credit card, check which purchases will pay you cash back. If they'll pay you to buy on plastic at the stores you already shop, it's a card you want in your wallet.

- The very best credit card will have both a low APR and a high cash back scheme.
Those are rare, though. Most of the time, you'll have to choose between the two. If you have to choose between the two, pick a card with a good cash back scheme, and be certain to pay off the balance every month.