How to Get Cash Back From a Credit Card
Understand how cash back rewards work. The cash back on cards that offer this benefit usually come in the form of credit added back to the account. Depending on the card, you will earn different cash back amounts in the form of percentages. The Royal Bank of Canada (RBC), for example, offers a card that pays 2% for purchases in grocery stores and 1% on all other purchases and automatic payments. 
- Different issuers will provide different options regarding when to apply the earned cash back benefits. The aforementioned RBC card, for instance, allows you to receive the payments every time the balance reaches $25 or once a year, getting you a bigger sum all at once. 
Compare cash back benefits. You can use websites such as NerdWallet or The Simple Dollar (among many others) to compare the relative benefits of different cards, such as where they earn the highest percentage of cash back and how you get to apply the funds.  
- Most offer between .05% and 2% on average, although some have raised it as high as 5%. Other cards offer higher rates for the first several months you have the card but not permanently.  Read the fine print on each card to determine which is most likely to benefit you.
Narrow your selection based on other credit card criteria. Cash back cards are still subject to annual fees and annual percentage rates (APRs) just like normal credit cards. Make sure you take these factors into consideration as well as you research and choose an appropriate card for you.
- Since APR is tied to factors like credit score, it helps to have your current score on hand. Many of the sites you can use to compare cards allow you to narrow based on your credit score as one of the criteria. 
Apply for the card you choose. The application process for these cards is the same as any other credit card. It will include your personal information, such as address and social security number, as well as employment information. You will also have to authorize the company to look into your credit history. Try not to apply for a card for which you think you might not qualify. The number of times you apply and are rejected for a credit card makes up part of your credit score.
- Most companies will allow you to apply online, or you can print off an application to mail in.
- Once you receive the card, you will call a toll-free phone number to activate the card.
- Sign the back of the card in the signature box, or write “request ID” if you do not wish to have your signature on it. You will then be required to show identification each time you use the card.
Review and compare your current program at least once a year to new offers, as these are ever-changing. If you find an offer you like, call your current credit card company and attempt to negotiate. It is easier to stay with the same company than to change if they are willing to meet your terms.
Check if the card is 0% interest and zero fee for the first year only or also for subsequent renewals. They often will trick you here in the fine print.
Consider cards where you earn miles or points as well. Cards where you earn rewards with specific businesses such as airlines or companies often accrue rewards at a higher rate than cash back rewards. Though these rewards are less redeemable, they can still turn out more beneficial to you if you commonly make large purchases with that specific merchant.
Use the card for everyday purchases to optimize your cash back reward.
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