Anyone who is interested in getting a discount (and who isn't) has to love the Cash Back credit cards.
I've been using one for the past three years and love watching how much difference they can make over the long run.
Here's what I've learned about making the most of cash back credit cards.
First, carefully review the credit card options.
  Watch the rates and terms.
Generally, the interest rates are going to be a bit higher on a cash back card because it costs more for the banks to give you cash than merchandise or travel which they receive a discounted rate.
And, you're going to get a very competitive rate compared to non rewards cards if your credit is excellent to very good.
Secondly, consider what features are most important to you in a cash back card.
Many cards will also give you the option to choose between cash back, merchandise or miles.
But, if saving money or applying cash toward your purchases is your primary concern, you'll want to look for a card that is strictly a cash back card.
Also be watchful of the type of card you're getting.
If you have a business, you may want to consider getting a cash back card specifically for business purchases.
This way you don't mix personal item rebates with business item rebates.
Many of these cards offer cash back and other discounts with designated merchants.
Some also offer an additional bonus for online purchases.
Finally, as with all credit cards, remember to pay the minimum amount due on the card.
If you don't manage your card wisely or stay on top of payments, your interest rate can adjust, using up some of the potential cash back toward higher interest fees.
Paying your entire balance off each and every month and always making your payment on time every time will always result in the greatest savings.