New Credit Card Offers 10 Percent Cash Back at Hotels

travel
Photo by zjuzjaka / Shutterstock.com

Ebates has introduced its own credit card, and it’s a serious contender among cash-back cards, as well as travel rewards credit cards.

Perhaps the most noteworthy benefit of this Visa card is an additional 3 percent cash back on everything you buy through Ebates. On other purchases — those for which you don’t go through Ebates — you earn 1 percent cash back.

Ebates is what is known as a cash-back portal — basically, a website or app through which you can earn cash rebates on purchases. Anyone can use Ebates to earn cash back. Just sign up for an account if you don’t already have one. Signing up for and using Ebates is free.

While you don’t need the Ebates credit card to use Ebates, you will earn more cash back on everything you buy through the cash-back portal.

Take hotels, for example. Ebates offers 7 percent cash back on hotel stays. So, anyone who books a hotel through Ebates earns 7 percent cash back.

But folks who book a hotel through Ebates and pay for it with the Ebates credit card will earn the extra 3 percent — for a total of 10 percent cash back.

That amounts to $50 cash back on a $500 hotel booking. How many travel rewards credit cards can top that?

If you do other shopping through Ebates, you stand to earn even more.

For example, Ebates is running an extra-cash-back promotion this week, as it frequently does. It’s offering as much as 15 percent cash back at certain retailers.

Let’s take the 10 percent cash back at Pier 1 Imports online for example. If you buy something through Ebates this week and pay for it with the Ebates credit card, you’d earn a total of 13 percent cash back. You would be hard-pressed to find a cash-back credit card that could offer double-digit percentages.

Is the Ebates credit card right for you?

Besides folks who often book hotels online, Ebates’ credit card is arguably best for anyone who does a lot of shopping online. They stand to benefit most from stacking Ebates’ cash-back offers on top of the 3 percent offered by the Ebates credit card.

Ebates currently offers cash back on in-store purchases from some 50 retailers and restaurants. By comparison, it offers cash back on online purchases from some 2,000 merchants.

To learn more about Ebates’ credit card or to apply for it, visit Ebates’ home page and click on the image of the card in the rotating carousel at the top of the page.

Is a cash-back credit card right for you?

Rewards credit cards, including cash-back cards, tend to have higher interest rates than other types of credit cards.

The Ebates credit card is no exception. Its annual percentage rate (APR) for purchases is 20.99 percent or 25.99 percent, depending on whether you get the Platinum or Signature version of the card, respectively.

So, you might owe a lot of money in interest if you don’t pay your bill in full every month. That’s why rewards credit cards are generally best reserved for folks who can pay their bill in full every month.

If you’re carrying a credit card balance over from month to month, you are better off with a card that has the lowest APR for which you can qualify. That way, you will pay less money in interest.

For help finding that card, check out Money Talks News’ credit card comparison tool. You can search by card features — select “0% APR” or “Low Ongoing Rate,” for example — from the menus on the left.

For more standout credit cards worth considering, check out “Best Credit Cards of 2017.”

What are your thoughts on or experience with cash-back credit cards? Let us know by commenting below or on our Facebook page.

Find the right financial adviser

Finding a financial adviser you can trust doesn't have to be hard. A great place to start is with SmartAsset's free financial adviser matching tool, which connects you with up to three qualified financial advisers in five minutes. Each adviser is vetted by SmartAsset and is legally required to act in your best interests.

If you're ready to be matched with local advisers who will help you reach your financial goals, get started now.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
How to Prepare Your Finances for Retirement in 7 Steps
How to Prepare Your Finances for Retirement in 7 Steps

Here is how to get your finances in shape for your golden years, one step at a time.

8 Secrets of an Expert Thrift Store Shopper
8 Secrets of an Expert Thrift Store Shopper

Here’s how a veteran thrift shopper scores the best deals — and turns a profit from them.

Never Buy These 19 Things Online
Never Buy These 19 Things Online

The internet has changed how we shop. But for many things, you’re still better off buying the old-fashioned way.

14 Products That Keep Foods Fresh Longer
14 Products That Keep Foods Fresh Longer

We’ve rounded up innovative Amazon purchases to lengthen the life of your favorite foods and beverages.

11 Secret Uses for Everyday Items That Will Save You Money
11 Secret Uses for Everyday Items That Will Save You Money

These are simple solutions for life’s irritations.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
Will I Get My Ex-Husband’s Social Security When He Dies?
Will I Get My Ex-Husband’s Social Security When He Dies?

Two factors determine how much money is coming to you.

7 Ways to Boost Your Credit Score Fast
7 Ways to Boost Your Credit Score Fast

Your financial security might soon depend upon the strength of your credit score.

21 Things You Should Always Buy at a Dollar Store
21 Things You Should Always Buy at a Dollar Store

Dollar stores have great bargains on these familiar purchases. Yes, even pregnancy tests.

13 Brilliant Bulk-Buy Items on Amazon
13 Brilliant Bulk-Buy Items on Amazon

Every household should have these products on hand. Buying them in bulk on Amazon saves you cash.

6 Reasons I Will Never Trust Suze Orman
6 Reasons I Will Never Trust Suze Orman

Beware: The self-proclaimed personal finance expert has a track record that suggests more sizzle than steak.

5 Household Disinfectants That Can Destroy the Coronavirus
5 Household Disinfectants That Can Destroy the Coronavirus

You likely already have some of these products at home.

This Type of Social Security Benefit Is Often Overlooked
This Type of Social Security Benefit Is Often Overlooked

The Social Security Administration is not helping certain people get money to which they are entitled, a report says.

Getting These 2 Shots Could Reduce Your Risk of Dementia
Getting These 2 Shots Could Reduce Your Risk of Dementia

These vaccines may lower the risk of Alzheimer’s disease by up to 40%.

America’s Most Reliable Appliance Brand Is a Surprise
America’s Most Reliable Appliance Brand Is a Surprise

Have you heard of this appliance manufacturer?

9 Everyday Problems You Can Solve With Vaseline
9 Everyday Problems You Can Solve With Vaseline

Forget expensive specialty products. Good ol’ petroleum jelly can address many common annoyances.

16 Amazon Purchases That We Are Loving Right Now
16 Amazon Purchases That We Are Loving Right Now

These practical products make everyday life a little easier.

19 High-Paying Jobs You Can Get With a 2-Year Degree
19 High-Paying Jobs You Can Get With a 2-Year Degree

These jobs pay more than the typical job in the U.S. — and no bachelor’s degree is required.

19 Purchases That Buyers Almost Always Regret
19 Purchases That Buyers Almost Always Regret

Think twice before buying these things.

7 Tips for Building an Emergency Stockpile
7 Tips for Building an Emergency Stockpile

A pandemic or natural disaster could leave you reliant on your existing food supply. Is your pantry prepared?

8 of the Worst Things to Buy at a Dollar Store
8 of the Worst Things to Buy at a Dollar Store

Not everything sold at dollar stores is a great bargain or a safe purchase. Here’s our list of products to avoid.

Homeowners Say These 2 Kitchen Appliance Brands Are Best
Homeowners Say These 2 Kitchen Appliance Brands Are Best

One brand takes five of the top honors, while another ranks highest in three categories.

41 Things You Should Never Buy
41 Things You Should Never Buy

Some purchases are just plain dumb. Give yourself — and your budget — a break. Don’t spend money on this stuff.

9 Indestructible Products That Are Worth the Price
9 Indestructible Products That Are Worth the Price

If you’re willing to pay a little more for these products, you may never have to shop for another again.

5 Ways to Get Amazon Prime for Free
5 Ways to Get Amazon Prime for Free

Hesitant to drop $119 a year on an Amazon Prime membership? Here’s how to get it for free.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.