When lenders become givers

Banks make lots of money off your credit card habits, and some are willing to give back a little to get and keep your business. There are many different incentives, so you can probably find one that fits your needs.

Check the personal finance site Bankrate.com (click “credit cards”) to see a roundup of cards by category. You’ll see groupings for cash back, low interest, balance transfer, gas rewards, business cards, cards for bad credit users and other categories.