Cash-back cards pay you up to 5% on your purchases, but these cards are not a good deal for everyone. Consider a cash-back credit card only if:

- You pay your bills in full each month, otherwise the finance charges will be higher than the cash-back.

- You shop at stores with high rebates, to maximize the cash-back benefits.

If you are in the market for a cash-back credit card, compare offers at www.bankrate.com and  www.cardratings.com

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