Get cash back on your everyday purchases without changing your spending habits
Many credit cards let you earn money each time you shop. But they're not for everyone. If you carry a balance, a cash-back credit card could end up costing you more than you get back. That's because interest rates on those cards average 13.8 percent, as opposed to 11.6 percent for low-interest cards. Still, the savings can add up; some pay you up to 5 percent of your purchases.