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Chapter 8. CREDIT CARDS > Extra Card Benefits

Extra Card Benefits

The credit card business is a competitive business with many institutions seeking your business. Different credit cards offer a dazzling array of additional benefits to ownership of their particular cards. Your own personal preferences will help determine which card is right for you. Some of the bells and whistles are detailed in the following paragraphs.

Cash Back

With cash back, the card issuer refunds a portion of the cost of your credit card purchases to you. But as you might expect, this particular benefit is fraught with conditions and limitations. Some cards pay you a certain amount on every dollar you charge, while others rebate at a higher rate when you charge more. Most credit cards limit how much you can be refunded annually, and, within the fine print, the card issuers reserve the right to change the rules of the cash-back program whenever they choose.


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