It seems like everywhere we turn to these days someone is offering us to apply for a credit card. Almost every major retail chain now offers some sort of membership credit card which offers various savings on purchases at the chain. The same applies for most hotels, gas stations and airlines. In most cases the savings are indeed real and can be substantial but after a while it becomes apparent that it’s not practical to carry so many credit cards. That’s why I prefer cash back credit cards. Rather than offering various point or miles systems, they offer actual cash back on purchases made anywhere so you permanent saving on all your purchases. In any case it is always smart to compare credit cards online before applying so you an choose the right one for you and your spending habits.