DONx3 wrote:I only have credit cards that gain points and I have never owned a cash back credit card.
There's really not that much difference in the end IMO.
DONx3 wrote:So do you get 1% cash back for every other purchase and where does it get credited?
Depends on the card and the terms.
For my BCP I accumulate rewards dollars. The rewards dollars have to be redeemed for products, services or statement credits. The latter can be redeemed only in certain dollar increments with $25 as a minimum.
For my PenFed Cash Rewards card the cash back is automatically credited every statement period.
Programs differ -- they're not all identical Read the fine print and make sure you understand no matter what card you're looking at.
DONx3 wrote:Any other cards to consider let me know.
The main site has recommendations that you should look through. Are groceries and gas your only priorities?