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A reader recently asked me what I thought was the “best cash back credit card?”

Typically credit-related questions are difficult to answer because of their subjective nature, but this is a surprisingly straightforward, objective one to tackle.

The Blue Cash from American Express offers the highest cash back rewards in the industry without question.

For year-to-date purchases between $0 and $6,500, you get 1% cash back on everyday purchases and 0.5% cash back on all other purchases.

By everyday purchases, they mean purchases made at grocery stores, gas stations, and drugstores.

After you spend $6,500, you get a whopping 5% cash back on everyday purchases and 1.25% cash back on all other purchases.

That level of cash back beats all the other offers out there quite easily.

And most other cash back credit cards only offer up to 5% off in certain categories during certain times of the year. Ver

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No more coupon cutting! FNBO Direct has joined Cardlytics to make available its “My Deals” program, saving you money across a network of popular merchants. As a FNBO Direct “Online BillPay” checkless checking account and “Extra Earnings” Visa Credit Card account customer, “My Deals” provides you complimentary access to discounts at restaurants and retail stores nationwide. Cardlytics powers the system that displays relevant offers to FNBO Direct account holders based on how they use their cards today. New offers appear when you log in and you simply click to electronically load the offers onto your Visa card. The offer is then processed at the merchant POS and FNBO Direct credits your account for the redemption of each offer at the end of the month.

The structure and functioning of the Indian economy has witnessed many changes with time. With economic development setting in, there have been profound changes in the use as well as extension of credit.

While there has been improvement in credit facilities and increase in modes of credit, another factor which has also risen at par with these is risk. This means that rising credit opportunities also necessitates the need of protection from risk and defaults.

An effective way to hedge credit risk is to obtain accurate information on customers and their credibility. Such information would allow lenders to pre assess the repayment capacity and intention of the borrower before extending credit to him.

If each bank/financial institution individually strives to attain credit details of all customers, they would be unable to gather exhaustive information about all.

Thus in order to have exhaustive information, the need arises for a central repository of information.

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Ryan Guina is an entrepreneur and writer. He has worked for Fortune 500 companies and served six years in the USAF. He writes about money management and small business topics at Cash Money Life and military money topics at The Military Wallet. You can follow his twitter feed.

What’s in your wallet? That is a popular slogan created by a credit card company to get you thinking about using their rewards credit card. It’s catchy from a marketing perspective, but it is a question you really should ask your self. What is in your wallet? More importantly, what should you really keep in your wallet?

While many of us do not think about the chaos that can be caused by a lost purse or wallet until one actually losses it, this is something to seriously consider. One forgetful moment and we can end up leaving our wallets and/or purses in a grocery cart, a cab, on a bus or any number of public places.

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