The best credit card to have if you want cash back rewards

The holiday season can lead many people to overindulge - whether it's eating more than you should, drinking one too many holiday beverages, or overspending on gifts, travel, and entertainment.

Now that we're in the new year, you may find yourself, like many Americans, setting resolutions focused on saving money and paying off bills. But it's not always easy, especially if you don't know where to start.

Few consumers look to credit cards as a money solution, but when used correctly, they can be a great way to get your finances in check. CreditCards.com is an online resource to help consumers educate themselves in the financial arena. The site makes it easy to search, compare, and apply for top-ranked credit cards that are right for you.

To remedy the holiday debt blues, CreditCards.com suggests consumers consider a great cash back credit card like the TD Cash Rewards Visa.

What's special about the TD Cash Rewards Visa?

Creditcards.com

For starters, the TD Cash Rewards Visa offers a $200 cash back bonus after you spend $1,500 on purchases within the first three months of opening your account. TD Cash Rewards Visa comes with no annual fee and 0% APR on any balance transfers for 12 billing cycles, and 13.24 - 23.24% (variable) after 12 months. It also happens to offer one of the highest cash back bonuses around with 2% cash back on dining purchases. Cardholders are covered with all other purchases after that, earning 1% cash back for every $1 spent everywhere else. What's even better is the cash rewards are unlimited and never expire.

How do you know if you should apply?

• You should have excellent credit.
• Consider your lifestyle and recurring purchases. Will you utilize the balance transfer option? Is cash back the right reward type for you?
• No annual fee credit cards are a staple of every wallet. Can this replace or supplement a card you already have?
• You should be able to pay your bill in full every month to avoid interest fees. If you tend to carry a balance on your card each month, the interest will likely outweigh the cash back rewards.

For the busy consumer who wants to start the new year off right, the TD Cash Rewards Visa is a great option for earning cash back. Learn more about this offer and apply securely here.

Check out the other highly ranked rewards credit cards here.

This post is sponsored by CreditCards.com.

Find out more about Sponsored Content.

Follow BI Studios on Twitter, Facebook, and LinkedIn.