Believe it or not, it’s not too difficult these days to get an application accepted for a cash back creditcard. Here’s a step-by-step plan for applying:

1. Know your credit score. Go online, find a site that will give you the information for free and use that knowledge to figure out an approximate range of annual percentage rates (APR) that you’ll be looking at.
2. Start searching various search engines for credit cards that feature incentive programs. Many cards offer airline miles or points that can be exchanged for gift certificates, but if you have cash on the brain there are certainly programs available for you to find.
3. Choose the cards you’re most interested in and apply.
4. When you get approved and they start coming in the mail, wait awhile before you activate them. Make sure you only activate the card that offers you the best deal.

Once you have your cash back creditcard, use it as much as possible in lieu of cash or your other credit cards. Since you’re getting money back on your purchases, whenever you use the card it’s like you get an automatic discount on everything you buy!