Cash Back Credit Cards

This offer stands out as a decent companion card for maximizing cash back. And no limit to how much is matched. Equal to three months of dividends. But you need to be honest with yourself. A cash advance is expensive, so beware.

Best credit union CD rates with restricted memberships or membership fees

Flat rate + no minimum redemption

The best cash back credit cards have high rewards rates and make it easy to earn cash back on items you buy every day. After all, there’s no point in having a cash back credit card that makes it difficult to redeem your rewards. Credit card rewards are great, but even better when you know how to use the best 5% cash back cards for your spending habits. For credit card rewards, 5% is very much the cream of the cash back crop, and the ideal that most reward-seekers are, well, seeking. Thankfully, whether you want to choose your 5% bonus categories or have them rotate each quarter, you can likely find a quality 5% cash back card that suits your spending lifestyle.

Choose a Category

credit card advice

The annual fee may be a turn-off for many, but this card was specifically designed for bigger spenders. Get access to a higher credit line after making your first 5 monthly payments on time. There are no foreign transaction fees, and Capital One may bump your credit limit up if you make your first five monthly payments on time.

The ongoing APR is high, so you should plan on paying your balance in full each month; otherwise, the interest will wipe out your rewards. The reality is that not everyone has a credit score above The Nerds appreciate that Capital One offers a credit card with an extremely competitive 1. Cash-back credit cards come in three varieties. Flat-rate cards, the simplest, give you the same rewards rate on everything. Which type is right for you depends on how you spend money and your patience for keeping track of rewards categories.

If you spend a lot in certain categories, such as gas or groceries, consider a tiered or bonus category card.

For more, see our guide to choosing a cash-back credit card. For example, you can get one card that offers extra cash back for dining, another that offers extra for shopping at Amazon and another that gives extra for gas and groceries. Take advantage of rotating bonus categories. Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise you could miss out on hundreds of dollars. If you travel a lot, consider a travel credit card or an airline credit card.

In that case, a low interest card is probably a better choice. See our best rewards cards for a range of credit cards that earn cash, points or miles. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories. Chanelle is a personal finance writer at NerdWallet covering credit cards. When she isn't optimizing her rewards, she can be found hiking around Lake Tahoe or seeing the latest movies at the theater.

Our pick for Cash sign-up bonus. See if you may qualify. Chase Ink Business Cash. Capital One Premier Dining Rewards. Discover it Chrome for Students. Costco TrueEarnings by American Express.

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