Plastic That Pays Off

Consumer Watch                       |   View a List of the Best Cash-Back Cards   |

       |   Eight Ways to Make the Most of Cash-Back Credit Cards   |

But if you pay off your balance every month, a card with cash rewards can actually make you money.

Consumer Reports says to get the biggest benefit from your cash-back card, use it for most of your shopping. But be careful - people tend to spend more with the cash-back incentive.

So it's important to stay within your budget.

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