Are you capable of paying off your credit card balance every month? Then a cash back credit card should be a powerful tool in your wallet.


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By racking up cash back on your credit card purchases, you could save up for gift cards, merchandise, statement credits or a simple check in the mail. Whatever it may be, you’re getting money back for purchases that you would have made anyway.

Because of the crowded market for cash back credit cards, you may have a tough time choosing one. Some have a simple cash back program while others can have tiers, categories and limits. Research to find one that fits your spending habits.

Start by evaluating how you’ve spend during the past year to determine which credit card will generate the most cash back for you.

Here are the top cash back credit cards that are worth your consideration for fall of 2013:

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