<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"baseUrl":"/articles/what-is-a-cash-back-rewards-credit-card-and-how-does-it-work","bottomArticles":[{"date":"Thu Aug 20 10:34:03 PDT 2026","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2026/07/260383_DA_4_RuleSurvey_SEOA_Final.jpg","previewDescription":"What would encourage you to move your money to a different bank? Nearly half of U.S. consumers say a better interest rate is key.","title":"The 4% Rule: Inside the Rate That Finally Makes U.S. Consumers Switch Banks","pagePath":"/articles/the-4-percent-rule","imageAlt":"A mature couple sits at their kitchen table with tablet, phone, and financial documents. 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The discarded phone\u2019s screen says \u201cSet Up AutoPay\u201d which suggests that the owner didn\u2019t want to automatically make payments.","tags":["creditonebank:CreditEducation","credit-one-central-topics:credit-card"]},{"date":"Wed Jul 29 00:00:00 PDT 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/heather-vale/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2026/07/260350_BRD_HowToAvoid_ART_HeaderImage_2400x1350_96dpi_IR1.jpg","previewDescription":"Sometimes it seems easier to destroy your credit than improve it, no matter how hard you try. Here\u2019s how to avoid those credit-wrecking behaviors.","title":"How To Avoid the Credit Wreckers","pagePath":"/articles/how-to-avoid-the-credit-wreckers","imageAlt":"Four little colored monsters called Credit Wreckers seem oblivious to their surroundings. 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