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Finding a Cash Back Debit Card

Sep 2, 2008
A cash back debit card is an excellent substitute for people, who are not eligible for a cash back credit card. You will be in control of your spending with the help of such a card and gain certain rewards at the same time.

The concept of cash back debit cards is relatively new, whereas reward programs with cash back credit cards are commonly popular. Due to this reason, it is important to research and choose the best cash back debit card, which suits your needs.

How To Obtain A Cash Back Debit Card?

There are certain steps involved in obtaining a cash back debit card, which offers certain rewards or incentives.

1. You need to open an account with a local bank to get a debit card, which provides cash back rewards or incentives. As the cash back rewards on debit cards is a new concept, hence most of the banks still do not have this option. However, some new banks do offer this as a method to attract new customers.

2. You may contact various financial institutions such as banks or credit card companies to obtain a debit card. You may receive a secure credit card depending on the location you reside, bank balance that you have, and this secured credit card will work similarly as a debit card works. However, make sure that this card offers similar benefits or rewards that of a debit card.

3. The next step to obtain a debit card is by opening an account such as a PayPal account. It is an online system, which will allow you to receive and send money and invoices. It will also allow you to make various payments to different companies. You do not have to pay money to open an account, but have to follow certain steps that include providing your personal details and verifying the bank account details. After completing the above formalities, you may ask for advancement to a business or a Premier account. You may then apply for a cash back PayPal debit card. This type of debit card makes you eligible for cash back up to 1 % on purchases. It also gives you an access to the balance on your PayPal account without any complex transactions.

4. Check out various websites available online, compare the differences, rewards, and benefits that such kinds of debit cards offer. The percentage of benefits that such kinds of debit cards offer differs largely. Similarly, the locations entitled for such kind of cash back benefits utility are limited in proportion. Once you find a card, which best suits your needs, proceed with the application for that particular card on the website and receive a feedback for it within minutes.

Finally, such kinds of debit cards are useful, if they come with zero annual fees. The reason being, if there is some annual fee, then you might end up spending more than what you may earn through these cards in the form of rewards or points.
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