Here’s a Simple Trick to Snag 1% Cash Back on Anything (Without a Credit Card)

Remember that sweet surround sound system you bought a year ago? “Game of Thrones” never sounded so cool!

You even used your special credit card so you could earn some cash back on that baby. Well, that was the idea, anyway. Six months later, when you still had a balance on that card, you realized you paid a lot more in interest than what you earned in cash back.

The score? Credit card company: 1. You: 0

Believe it or not, you don’t have to use a credit card to enjoy the benefits of cash back. You can earn 1% cash back just for making your everyday debit card purchases — if you have an Empower banking account

You Can Get Cash Back — Without the Risk

You love cash back. Who doesn’t?

The problem is, your credit card offers you a small percentage of cash back, but it charges you an astronomical interest rate.

Why not just get cash back without the risk of paying crazy interest rates?

Here’s the trick: Don’t get a cash-back credit card — get a cash-back debit card with Empower.

When you open an Empower checking account, you can start earning cash 1% back on your everyday purchases with your debit card up to the first $1,000 spent each month. Refer your friends to this awesomeness, and you could boost that number up to 2%.

Your morning coffee stop? Cash back.

Lunch? Yep, cash back.

That weekly trip to stock up on groceries? You guessed it. Cash back.

Stop risking your money with credit cards just to get cash back. With Empower, you can get the rewards you love without risking big interest charges. Plus, there are no ATM fees, annual fees or overdraft fees.

Handle all of your finances right from your phone with Empower. Pay nothing and earn cash back just for using your debit card.

The score? Credit card company: 0. You: 1%.

Winner winner.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.