The best cash back credit cards offer benefits in the form air miles, gasoline discounts, hotel stays, car rentals, online purchases, bonus points, gift certificates, a percentage of your annual interest charges returned or checks in the mail when you use the card for a certain amount and type of purchase. Several credit cards with cash back also offer reasonable APRs (around eleven percent) which can be a great incentive to sign on with a particular company. It makes sense to compare benefits and shop around for cards that best meet your spending habits and purchasing needs.

If you tend to shop at the same department stores on a regular basis, their house cards may be one of the best cash back credit cards for you. The benefit is that you will often receive rewards such as discounts on merchandise or services for your patronage. Others house cards offer free services such as gift wrap or postage for sending gifts.

Some of the best programs involve the purchase of gasoline. These gas cash back credit cards enable you to receive rewards of a certain dollar amount - usually a percentage of the fuel that you buy with the card. Some of these cards also offer additional cash back savings for other purchases besides gasoline as well. Some of the gas cash back credit cards even offer to use part of your rebate as a donation to a nonprofit organization, if you so choose. If your job requires frequent commuting, these cards can offer real savings on your fuel costs, assuming that you do not carry a balance. If you pay off the purchases each month as you make them, you will receive the greatest amount of cash back with a credit card such as this.