With gas prices rising higher and higher each day wouldn’t it be nice if you could get cash back on what you spend? Several credit cards today are offering incentive programs such as these to get your business.

You can search online and find many unique gas rewards credit cards that will give you a percentage of what you spend in gas back to you. You can find ones that give cash back or rebates at the gas station. Each company has their own wording for the gas rewards that you are allowed plus they also vary in the percentage that is given. You will also need to find out if they offer the rewards for any station, or if you have to use a particular gas station in order to receive your cash back reward, or gas rebate.

Many of these gas rewards credit cards may also have high APR, so this is something to take into consideration before you apply. Weight the APR against the percentage you will be getting back on your gas purchases to ensure that it is a really good deal.

If you travel for business or leisure the gas rewards credit card may be a wonderful way to go since you get a percentage for all gasoline purchases. But, like I said, be sure that you use the gas stations that are covered in order to receive your rewards. If you travel, you may find it hard to find certain gas stations that are covered, so you may need more than one gas rewards credit cards.

Along with the gas rewards credit cards, some companies also offer other incentive on other purchases besides gasoline. So, you may be surprised to learn that you can get some cash back or rebates for many of your purchasing needs.

So, check out the different gas rewards credit cards that are available today and save get money back the next time you fill up.

Gas Credit Cards

Which credit card is REALLY offering the best deal? How do you refinance debt using existing credit cards? Why is it sometimes better to use credit cards instead of a home equity loan? How long will it take to pay back ALL your debt? The answers to these and many more questions are contained in this powerful guide to consumer credit management. Using numerous real-life examples the reader is shown how to lower monthly payments, save money on finance charges and reduce the interest rates of loans. By applying these valuable strategies, it is possible to save thousands of dollars!

From BooklistIf you ask single Americans in their 20s or early 30s what their biggest financial worry is, most will probably answer credit card debt. Bilker shows them the formulas for digging out of the credit-card hole–methodically, systematically, and with a minimum of confusion. Surprises abound, including Bilker’s advice against cutting up one’s credit cards–after all, one may need that credit line in case of emergency. He also advises against paying off one’s credit debt with savings, opting instead to use budgeting from salary and letting that savings grow untouched. If used correctly, this book could be a big help to those experiencing a rather common burden. Joe Collins

Review”…the chapter that I found most interesting was…’Bad Advice,’ in which Mr. Bilker questions all that conventional wisdom about debt we read day after day in the financial media.” –Larry Roth, LIVING CHEAP NEWS — Larry Roth, LIVING CHEAP NEWS

“An excellent and informative work. It was a great help to me in teaching others. It provides an easy-to-follow plan to use as resource material and also as a textbook in a small group teaching environment. It’s concise, easy to understand and easily applied. The chapter presenting the debt-management model and time remaining tables allowed me to present this concept (payoff times) to a debt-free living class without having to confuse them with complicated math. The abundance of useful information make it (Credit Card and Debt Management) well worth the investment.” –Alan E. Cooke, Manager and Debt-Free Living instructor — Alan E. Cooke, Manager and Debt-Free Living instructor

“From reorganizing personal debt and saving money on interest payments to understanding savvy credit usage and money management skills, Bilker provides many excellent tips on credit cards. This is the perfect book to give to a young adult or to someone in their 20s just beginning to understand how debt works.” –REVIEWER’S BOOKWATCH — REVIEWER’S BOOKWATCH

“Have you ever noticed that every time you get motivated and pay off your credit cards that, before you know it, you’ve begun using them again and you’re back where you started? Credit cards have their advantages, but some people can’t seem to handle them without getting in over their heads. Bilker’s book is geared to help people understand how to handle their debts and keep their spending under control. Bilker, an engineer, not a financier, gives a concise, perceptive spin on a problem that affects many of us.” –Faye M. Dasen, THE PILOT — Faye M. Dasen, THE PILOT

“I’ve located a dandy system for calculating the time remaining on a loan (complete with all of the hard stuff already worked out in user-friendly tables) in a book: Credit Card and Debt Management by Scott Bilker. Check with your library and if they haven’t already ordered it, suggest they need this resource. I must admit that math is just about my least favorite subject (second only to root canal surgery without the benefit of anesthesia) and even thinking about equations and formulas makes me break out in a rash. So you can be sure that if I recommend it, this book contains easy-to-understand and has fairly painless instructions for everything having to do with credit-card debt–including how to figure the time remaining on a loan.” –Mary Hunt, National columnist and author of Cheapskate Monthly — Mary Hunt, National columnist and author of Cheapskate Monthly

“Lots of helpful hints!” –Debbie Cohen — Debbie Cohen

“Millions of Americans have, or have had, difficulties with credit cards. Here is a book for anyone who has had such difficulties or who wants to avoid them. Scott Bilker’s Credit Card and Debt Management is an informative and easy-to-read guide to keeping credit cards and debt under control. Bilker’s book takes the reader through an understanding of credit problems and practical systematic approaches to their resolution. Text is supported by graphics, tables, and blank worksheets. The author is not an accountant but an engineer, and he uses more of an engineer’s problem-to-solution approach than an accountant’s bookkeeping one. And, unlike many engineers, Bilker writes as if he is writing for the layperson (which he is doing) rather than for engineers, scientists, and technicians. Bilker introduces the reader to “Credit Card Graveyard” (p 21), “APR” (annual percentage rate) (p 42), and other relevant nomenclature. He offers mathematical approaches that should be familiar to anyone with a background in arithmetic and introductory algebra–no need for calculus here. In short, he offers what I would consider to be an excellent book to help people meet a very important need in their lives and at a reasonably modest price: Credit Card and Debt Management. It may be the best thing to come out of Barnegat since Perrine’s sneakbox boat.” –Harry Hyde Jr., Managing Editor, VALLEY VOICE. — Harry Hyde Jr., Managing Editor, VALLEY VOICE

“This is the most helpful and useful book I have ever come across. It’s the only book that actually gives you answers. It has helped me to control my spending and to consolidate and pay off my debt. It helped me by setting up a plan. I feel that every one should read it before acquiring any credit debt. Every newly-wed couple should get one (book) as a gift. It’s definitely worth the $19.95!” –Dori Maccagnano, Teacher — DoriMaccagnano,

“Very useful to me (Credit Card and Debt Management)…it is simple to understand!” –William Sabin, Credit Counselor — William Sabin, Credit Counselor (retired)

From reorganizing personal debt and saving money on interest payments to understanding savvy credit usage and money management skills, Bilker provides many excellent tips on credit cards. This is the perfect book to give to a young adult or to someone in their 20s just beginning to understand how debt works. — Midwest Book Review

From the PublisherScott Bilker’s book, Credit Card and Debt Management, is recommended reading by Bank Rate Monitor and is also part of the Jumpt$tart Coalition for Personal Financial Literacy’s Clearinghouse of Educational Materials. The bottom line is that this book clearly teaches the reader how to save money. Read the reviews for this title and you’ll see what we mean.

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Most helpful customer reviews

31 of 33 people found the following review helpful.
Saved $35 the day I read this book.
By Robert Gamble
I now know how to deal with banks, and their annual fees. I never knew there is no need to pay the annual fee for a credit card. When I read how I need not pay fees, I used it that very day, and saved $35. Now I save the annual fee on all my cards. This alone makes the book worth reading.

There are many other money saving techniques in this book. Ways to save on interest payments; ways to reduce your debt; ways to have a “nest egg” available whenever you need it. This book is a great investment. The first day I read this book, I received a 175% return on my investment.

13 of 13 people found the following review helpful.
Awesome tools for financial self sufficiency!
By A
Scott Bilker is a financial expert that turns the tables around to save money with credit. It is hands down advice on taking a radical approach as a consumer that is in charge of your money, not credit in charge of your money. Scott’s book goes beyond traditional ideas in fianance and offers functional finance ideas that will move you ahead in your goal to be financially independent. It is a step in the right direction no matter where you are in your budgeting skills. Scott Bilker also provides an exciting free DebtFree email newsletter that is full of information that is understandable and realistic in pracitically to obtain fianancial freedom! Thank you Scott!

13 of 14 people found the following review helpful.
The best debt management tool on the market!
By Jeff Gordon
“Credit Card and Debt Management” is without a doubt the TOP OF THE LINE in its class. After having read through several debt management books, this one assisted me the most in debt reduction and managing personal finances. It’s clear, concise and practical, with real world examples to learn from. As a member of the U.S. military who has had to relocate every few years, the use of credit cards has been essential in maintaining an enjoyable quality of life. This book has greatly assisted in balancing it all. Investing in “Credit Card and Debt Management” is money well spent!

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If you have bad credit, then you are probably wondering what kind of credit card you can and should get. Although they may not always be easy to find, credit cards for bad credit are available. And contrary to popular belief, even those with poor credit and no credit have options when it comes to credit cards. This article will explore those options so that you can get on to rebuilding your credit right away.

The first type of credit cards for bad credit are secured credit cards. These cards are available to almost anyone, even individuals with a record of bankruptcy or very bad credit. This is because these cards are of the prepay variety. When you are issued a secured credit card, you make your own deposit that becomes your credit line. And if you use your card wisely, you might be eligible for credit beyond your deposit.

The second type of credit cards for bad credit are high interest credit cards. These cards may not seem like a good idea, but for some people they can be. A high interest rate makes up for the fact that you are not trustworthy in the bank’s eyes. And if you carry a low balance on your card, you can start rebuilding or establishing credit without spending too much in interest.

Another option you have when it comes to credit cards for bad credit are low balance cards. These cards come with a low spending limit and are available from all the major card companies including visa and mastercard. Best of all, if you make your payments on time and don’t go over the spending limit, you may become eligible for a higher spending limit over time!

Credit Card For Bad Credit

Why cutting up your credit cards won’t make you rich A popular TV personality often says, “Take out your credit cards and cut them into pieces.” While that is sound advice for people who are not financially responsible, it is inadequate advice for anyone who wants to become rich or financially free. In other words, just cutting up your credit cards will not make you rich. What does make you rich is financial education…unfortunately a type of education we do not receive in school. If a person has a solid financial education, they would know that there are two kinds of debt…good debt and bad debt. A person with a sound financial education would know how to use good debt to make them richer faster…much faster than a person who only saves money and has no debt. Rich Dad’s Guide to Becoming Rich * Are you in credit card debt? * Is job security dead? * Is your financial security threatened? * Is a high-paying job the answer? * Is your money working for you? * Do you have good debt or bad debt? We all need more financial education. We need to know how to have our money work hard for us so we don’t have to spend our lives working for money. That is why we need more sophisticated financial education…not oversimplified and childish financial tips such as cut up your credit cards or save more money. If you are ready to increase your financial education and enjoy your credit cards, then this book is for you.

About the AuthorRobert Kiyosaki founded an international financial education company and invented the board game Cashflow. Sharon Lechter is an accountant who now focuses her efforts on creating educational tools for anyone wishing to better their financial education.

From AudioFileThis installment of an enormously popular series delivers a hefty compendium of ideas, anecdotes, and money management policies that the author claims will change the fortunes of all who are disciplined enough to implement them. The affable Jim Ward guides listeners though the corridors of thrift, wise investment, and reinvestment, occasionally providing case histories and testimonials to validate and motivate. His delivery is sincere but never overbearing, perhaps reflective of the comfortable state of mind one reaches when rich. While some of the content boils down to common sense, the remainder offers listeners credible methods for gaining financial freedom. D.J.B. © AudioFile 2004, Portland, Maine– Copyright © AudioFile, Portland, Maine

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Most helpful customer reviews

63 of 70 people found the following review helpful.
Guide to Becoming Rich — Book Summary
By Justin Belkin
Kiyosaki wrote this book as the eighth installment of his Rich Dad Series. The book serves to constantly remind us that the key to increasing our chances of becoming wealthy requires the willingness to the pay the price. Discussing all the get rich schemes, such as game shows or playing the lottery, Kiyosaki writes, “There are better ways to become rich, with much better odds, but most people are not willing to pay the price” (x). The price to pay is the time and money you spend investing in your financial intelligence.

Kiyosaki recalls a truism once observed by Rich Dad, “The only people who think life should be easy are lazy people” (3). Kiyosaki rejects frugality as the best way toward becoming rich. Instead he recommends paying the price for higher financial intelligence, “…another way to become a millionaire is to improve your financial literacy, your financial intelligence, and be willing to be accountable to yourself, your results, your continuing education, and your personal development in becoming a better human being…that was a price I was willing to pay to become a millionaire” (81). Adopting such a mindset becomes tantamount to swimming against the current. Possessing faith and the fortitude to dedicate your life to accumulating wealth in this manner is crucial to overcome such naysayers as friends and family.

Rich Dad also observed, “One difference between a successful person and an average person is how much criticism they can take…Most people feel safer in the herd of the average” (150). Criticism tests one’s resolve. You must be willing to make mistakes and to learn from them. Kiyosaki writes, “…the price of becoming rich is the willingness to make mistakes, to admit you made a mistake without blaming or justifying, and to learn” (18). A person who has risked little in life has also gained little.

The book states clearly that the path to wealth is not to cut up your credit cards and decrease your means, but to work to increase your financial intelligence so that you can increase your means by acquiring income-generating assets. This strategy holds the greatest potential for accumulating wealth, but it also requires the heaviest investment in yourself.

51 of 56 people found the following review helpful.
Good e-book – A new perspective
By Sherie Keach
With so many other so called financial experts urging us to cut up our credit cards, what a refreshing change it is to read from a real authority who indicates that you not only don’t have to cut up your credit cards but can actually become wealthier by using them.

I like my credit cards too and I highly recommend this program by Kiyosaki.

45 of 49 people found the following review helpful.
Interesting philosophy – Amazon: Learn to Add!
By A
I downloaded this e-book – could’t wait for the paperbook to come out and found Kiyosaki’s philosophy really interesting. What a refreshing approac to NOT cut up your credit cards. In actual fact, I have been using my credit cards to make me money for 13 years now. Glad to see that someone with credibility has come forth and is setting the record straight. Like cutting up cards is going to help you. That is like saying put al ock on your refridgerator and don’t eat if you want to lose weight.And Amazon–I counted one 5 star review and one 1 star review but this e-book is still rated a 1! Somebody needs a math class!

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