There are indeed cards that give you cash back with purchases, usually around 1%. In addition, this type of free money isn't always "free money," depending on your circumstances.
If you need to buy a lot of things every month, this kind of credit card might sound like a very good idea to you. However, they're not going to give you cash back on every purchase that you make. Instead, what they do is they give you a certain amount per transaction. The company also likely has a strict limit on the exact amount they'll give back to their customers. Read the fine print on the form that you are given to sign and you'll see a paragraph with their limits as to terms and agreements.
Oftentimes, these offers are ways to draw new customers in for these companies. And in fact, it can be a good idea, but they're also going to check your credit rating for the give you a card.
Your best bet is to research different credit card companies and see what each offers. It might surprise you to find a cash back credit card that will offer just what you need and a high cashback percentage besides. They may also have few limits on how much they'll actually give you back, and finally, they may even make instant deposits each time you purchase something with their card.
Again, these credit card offers do seem like a good thing, and some companies stand by what they say. However, it's likely that you're going to need to have a good credit rating besides; some credit card companies do offer these cards to people that have a less than perfect credit rating so that they can rebuild credit. Again, it's up to you to do your homework and find out what's best for you.
Your final decision should be based upon several factors. If you have a good credit rating, this card might be just what you're looking for. Again, do your own homework and research different companies. Some cards offer up to 3% cash back with very few limitations. If your credit rating is less than perfect, perhaps your first priority is to find a credit card that will help you rebuild your credit.
Nick Makaryk is an Internet Publisher, Copywriter, and Founder of Best Credit Cards . A Free consumer credit card comparison site helps consumers find the Best Credit Card while avoiding high interest rates, charges, and fees.