Susan gets five percent cash back on purchases of groceries, gas, and drugstore items. And it really paid off last year.
Consumer Reports Mandy Walker says reward cards can be good, but not for people who carry a balance.
Consumer Reports looked at dozens of cash-back cards and says it is crucial to read the fine print.
The best cards set no limit on the cash back you can earn. Also, look for a card with rewards that don't expire. And cards with no annual fee. Consumer Reports has found several cards to recommend, including the one Susan uses, blue cash from American Express. But to get the top amount - five percent back - she has to charge at least 65-hundred dollars a year.
A good alternative that has no minimum spending requirement is the Capitol One No Hassle Rewards Card. It gives two percent cash back on gas and groceries.
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