When it comes to rewards programs, you can benefit quite a bit from cash-back rewards. Points and miles are nice, but there’s nothing that compares to cold, hard cash.

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Just signing up for a cash-back credit card does not mean you will get the most cash rewards possible. There are some important strategies to milk the most cash from them.

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Recent changes to the MBNA Smart Cash rewards program will significantly reduce your ability to earn cash back. Here's how the credit card is changing:

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Most top cash back credit cards come with an annual fee, so if you’re not a big spender, the best option is a no-fee cash back credit card. Here's why:

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Earlier this year, MasterCard and Visa, along with some of the big banks, agreed to allow merchants to charge customers an extra fee for using credit cards.

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