So many bank credit cards - so little time. Is this the way you feel about all the options that are now available in credit ratings cards? It really is incredible when it comes to the various possibilities of how you can benefit from a cash back credit ratings card. Here are a few things you need to look for when you choose yours.

     The first thing you need to know about cash back bank credit cards is that some of them come with incentives. Some of these could be pretty good so you may want to start by looking at them. A couple of them provide you with as many as 10,000 points which will go toward whatever the focus is of that credit ratings card (air miles, hotels, etc.). If one of these will best suit your needs, then you would want to look at that particular card a little further.

     The next thing you want to consider is the attention amount. This can vary anywhere from about 7.99% up to 18.24%. Normally, this attention amount does not go into effect until the introductory period runs out - but it will eventually. So, if you allow account balances to remain on your credit ratings card, you will want to choose one with as low generally as you can.

     Then, look to see if the cash back credit ratings card allows balance transfer promotions. If you have any account balances on other bank credit cards that you are paying any attention on, then you will want to put it on your new card and get 0% APR attention. Check to see how long you can enjoy that attention amount - it could be for the life of the transfer - which means until it is paid off. Also, look to see if there are any charges for transactions on the card. At least one bank will even pay you to make the transfer.

     When it comes to seeing how much of a rebate your cash back credit ratings card actually will give, you will find that it varies. Some offer as much as 5% cash back with certain purchases - usually on things like gasoline, groceries and medicine. Some provides you with overall cash back of 3% on everything you buy. Truthfully, you will need to compare the attention amount with the percentage of cash back in order to get an accurate picture of the overall benefits. Some creditors seem to hope that you may not notice.

     Other things you need to look at on your cash back credit ratings card is the various charges that apply. This means you need to read the fine print on the offer and compare it with other offers for the same type of card. Some bank credit cards also have an annual fee, may require you to keep account balances on your credit ratings card, or your air miles may disappear after a while. Other credit cards may have very high charges, or are limited to certain types of places where you can use your points. Be sure that you can actually use all the benefits - or find another one.