Many credit cards will offer you cash back incentives for using their cards. Depending on how much your balance is and how often you use the card, you can earn cash back for your purchases. Some companies offer a percentage back on the amount that you spend on their card; still others offer 1% or more off your balance while others, like Sears, will offer you cash off purchases made in their store. Either way, if you are planning on using a credit card, finding one that will offer you cash back is a smart choice.