Guides
All Guides — CashBackBunny
Simple, beginner-friendly credit card guides to help you earn rewards safely, avoid common mistakes, and pick a card that fits your spending.
Start here (fast path)
New to credit cards? Use this simple order. It will help you avoid interest first, then choose rewards second.
- Learn how payments work: statement balance vs current balance (so you avoid interest).
- Understand APR: what it is and how to never pay it (when possible).
- Pick a rewards style: cashback vs points vs miles (based on your lifestyle).
- Choose a card category: cashback, travel, no annual fee, or student & starter.
Categories
Browse cards by goal. If you want the easiest “set it and forget it” option, start with cashback or no annual fee.
Guides
Quick guides that explain the concepts behind credit cards—so you don’t get surprised by interest, fees, or confusing balances.
Beginner basics (no fluff)
3 habits that keep you safe:
- Pay the statement balance in full by the due date when possible.
- Don’t chase rewards if you carry a balance—interest usually costs more than rewards.
- Keep utilization reasonable: try to avoid reporting very high balances month after month.
Tip: The “best card” is the one you can use consistently without fees or interest surprises.
FAQ
I’m a beginner — which category should I pick first?
Start with Student & Starter or No Annual Fee. They’re usually easier to manage long-term. Then add cashback or travel later once you’re comfortable.
Is cashback better than points?
Cashback is usually best if you want simplicity. Points can be better for travel, but only if you redeem them well. If you don’t travel much, cashback often wins.
Do I need to avoid annual fee cards?
Not always. Annual fees can be worth it if the perks and rewards reliably exceed the cost for your lifestyle. If you’re unsure, start with no annual fee and upgrade later.
What matters more: rewards or interest?
Interest matters more. If you carry a balance, the interest you pay usually exceeds what you earn in rewards. Focus on healthy payment habits first, rewards second.
How often should I check this page?
Any time you’re choosing a new card or comparing categories. We add new guides and update pages as offers and terms change.