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Getting a cash back rewards credit card can be one of the savviest financial moves that you make. However, you have to select the right cash back card for this tool to be useful to you. That would be easy if there were only one top card in the market. However, the top cash rewards cards for your wallet depend largely on how you use your credit card, pay your bills, and want to cash in on your rewards.

It is however, always a smarter choice to run around, comparing a number of rewards credit cards before making a decision on the one. Take into consideration, the kind of rewards that you really need or want. Businessmen that travel a lot would be greatly suited for a rewards credit card that comes with miles rewards whenever they take a flight with the company stay at partner hotels or even renting cars at selected dealers. Home makers would also do well with rewards credit cards that allow prize redemptions of household items or instant cash backs. Whoever you are, there is sure to be a card that would prove to be tailor-made just for you.  Premium cards offer special incentives and benefits such as reward points. Cash rewards credit cards are one type of premium card that allows you to earn cash back from certain types of purchases.  Travel rewards credit cards  help you build travel mileage credit with purchases. However, these types of cards usually require you to meet a minimum income as well as a minimum  credit score . Both standard and premium cards have various types of cards such student, travel and no or low interest credit cards.

Certain cash back credit cards offer a higher cash back rate for gas than for other purchases. While the gas-specific rewards conferred by these cards are less lucrative than those of gas credit cards, users have the freedom to earn them at any gas station in the country. However, you must note that some of these cards have tiered structures where the most lucrative cash-back rates are triggered only once you spend a certain amount of money.

You earn 10% rebates on purchases at BP stations, 4% rebates on travel and dining and 2% on other purchases for the first 60 days. After 60 days, you get 5% rebates at BP, 2% on travel and dining and 1% on remaining purchases. Fast food restaurants and establishments that sell non-Bp or non-Amoco fuel are excluded from these rebate offers.

This card offers an outstanding 6% cash back on all purchases from grocery stores. It did not take many credit card holders long to figure out that they could better reap this benefit by purchasing other merchants’  gift cards at the supermarket . Even outside the grocery store, this card still returns 3% on purchases from gasoline stations and department stores, as well as a decent 1% on all other transactions. There is a $75 annual fee for this card, which is what users will earn when they charge just $1,250 at their grocery store.  Many people prefer cash back rewards to other credit card perks such as frequent flyer miles. Cash has the advantage of being readily liquefiable and universally accepted. Unlike points and miles, cash back rewards earn interest when unused and is not subject to the constantly changing terms and conditions of corporate loyalty programs.