because it's a way you can get paid or

obtain rewards by shopping

and spending.

Sometimes they can be included with traditional credit cards

Don't just stick to one but look around for the best benefits.

It is worth it.

The idea is you get cashback each and every time you spend and you use the cards for your purchases.

This can add hundreds of pounds a year to your income, tax-free, if you use a cashback card for all your normal spending.

Replacing cash, cheques, and other debit, credit and charge cards.

For those who have work or business expenses to reclaim, this can be a powerful way to earn more money, at no cost or nominal cost to you.

Unlike credit cards you cannot end up with money owning.

So stop thinking of these as 'credit cards'.

If it’s used for business there’s a chance it could be seen as a taxable benefit.

Which means you may have to pay tax on your gain but you’ll still have a substantial gain.

If you spend, say, £5,000 a year on a top cashback card, you would receive a yearly benefit of £250.

It might not sound much but it's free money for doing nothing more than you do already.

So whenever possible, buy everything - even your smallest purchases - on your card for maximum benefit.

You can use cashback cards abroad.

The security aspect of the cashback card idea is not to be overlooked.

No need to carry lots of cash.

And chip and pin means that if you lose your card, your money's safe.

You can get cashback cards for your children and put a monthly allowance on it.

Then top up as and when.

With cheaper and more efficient Internet shopping

becoming more popular it has never been easier for the consumer.

With next day delivery it’s almost instantaneous shopping.

These are not 'credit cards'.

a good ‘price comparison website’,

you will not only find the best value-for-money on

specific products but, on top of that,

you will put money into your pocket as well by using your chosen cards.

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