Cash Back Credit Cards - The Deal is in the Details

Cash back credit cards: do they really work? The simple answer is yes; the longer answer is that in order to make the most of them, you'll have to pay attention to the details. If you can stay on top of your credit card payments, and use the card wisely, you will definitely benefit from a cash back credit card. The key is to look at the fine print. Here are some tips to help you get a good amount of cash back.

Check the Percentage Rates

When cash back cards first began, banks usually offered customers 1 percent back from the amount they spent. So Adventure Comics you spent $500, it seemed like you could expect to get $5 back. Many cardholders did not realize, however, that the full 1 percent usually did not start until a certain amount had been spent on the card. Many of these cards worked on a tiered basis, meaning that you would not actually receive the entire 1 percent cash back until you had piled a few thousand dollars on to the card.

Fast forward to today, and you'll still find that many credit cards operate on this system. If you read through the fine print, you can find out the limits involved before applying. You can also check for special deals. Some cards will give you 5 percent cash back every time you use the card at the grocery store, or for gas, or for online shopping. So make sure you know what you really will be getting back in cash before you sign up.

Look for Fees

Many cash back credit cards do not come with an annual fee. Even so, you'll want to check to see if there are any extra fees involved. Some of these cards come with a higher interest rate than most cards. If this is the case, check to see if you'll be paying off the balance each month. If you can pay off the balance each month, you'll greatly benefit from the card. If you can't, you might want to look for a low interest card instead.

Set up a System

Using a cash back credit card works best when you keep track of your purchases, make sure you get the highest percent of cash back possible, and pay off the balance each month. To add one more step to your benefit plan, think 1969 70 Topps basketball cards what you want to spend your rewards on. Check each month to see how much money you have accumulated, and plan what you will use those rewards for. Then when you receive a rebate check, you'll know right where to put it.

For those that can carefully manage a credit card, the cash back system is a great find. It gives you all of the benefits of a regular card, and lets you get a little cash back at the same time. So if you apply for one, think about using the card, and the rewards that come from it, as best as you can. You'll find that the deal with cash back credit cards is really in the details.

Click Here to Find Cash Back Credit Card Offers.

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The Hulk is Back and He's Credible - A Review of "The Incredible Hulk"

BOTTOM LINE: It's a good, solid, comic book, action film that delivers on the thrills of the famous big green angry giant, but it's too fast, noisy and shallow; more time spent on story, pacing and character would have made this as good as its Marvel counterpart, Iron Man.

THE GOOD: Most of us should be familiar with the character of "Hulk" from the old television series, and this film harkens back to the spirit of that era, but most importantly to the original comics. Ang Lee's character driven version of Hulk didn't deliver the action that this film does, and it's spectacular, particularly in the climax when Hulk is fighting against the nasty Abomination. The CG rendering of Hulk is flawless, with some great expressions in his face, and he is truly incredible with the strength, agility and movement that are displayed in numerous sequences throughout the film. Edward Norton fits amicably in to the role of Bruce Banner, the everyman on the run from the Batman comics Army who want his power to develop the ultimate weapon. Liv Tyler is also good as love interest Dr Elizabeth Ross. This film moves very quickly, following the chase-movie template with Banner trying to outrun General Ross (William Hurt) and his army so that he can find a cure for his 'green' condition. And stealing the show is a cameo by Iron Man Tony Stark (Robert Downey Jr) in the final scene of the film which is clearly designed to open up a new realm of possible sequel spin-offs.

THE BAD: It's clear that the filmmakers wanted to go in the opposite direction to Ang Lee's 2003 version of Hulk, but this is not to the film's advantage as they go too far, solely delivering an action spectacular without much depth. The opening sequences which introduce us to Bruce Banner don't Ouija boards give us a window in to the plight of his character being on the run; a shame really as Edward Norton's acting talents are for the most part never utilised because all he's doing is either running away from bad guys or having the "I miss Elizabeth" look on his face. Without that setup, the rest of the film falls flat from a character perspective. William Hurt is miscast in the role of General Ross; the character looked to demand a toughness which was missing from his performance. The creation of the Abomination, although great for the dramatics because he's a nasty piece of work that Hulk has to fight, is ultimately a sloppy sequence, put together in a very arbitrary, 2-dimensional way. The character of "Mr Blue" who first tries to help Hulk, but then ends up creating the Abomination willingly, is ludicrous, just like the portrayal of his character. All of this comes together to make a film that is an action spectacular that lacks character, and it's only really our knowledge of the Hulk character and what he's fighting against that make the journey worthwhile.

For the original review, follow this link: http://www.allaboutmovies.net/filmreviewtheincrediblehulk.htm

Todd Murphy is a staff reviewer at the film/DVD review web site, http://www.allaboutmovies.net - for all the latest reviews on the newest releases.