Best Cash-Back Credit Cards

Best Cash-Back Credit Cards

Best Cash-Back Credit Cards

This blog post highlights the best cash-back credit cards across various spending categories. Whether you’re a grocery guru or a travel enthusiast, there’s a card out there to maximize your rewards.

Top Picks:

  • Best Overall: Chase Freedom Unlimited® Credit Card – Offers a well-rounded rewards program with bonus categories, long intro APR, and a sign-up bonus.
  • Best Rotating Cash-Back: U.S. Bank Cash+® Visa Signature® Card – Earn up to 5% cash back in two customizable categories each quarter, plus 2% back in another category of your choice.
  • Best Flat-Rate Cash-Back: Citi® Double Cash Card – Earns a consistent 2% cash back on all purchases (1% when you buy, 1% when you pay your statement).
  • Best for Supermarket Purchases: Blue Cash Preferred® Card from American Express – Earns a whopping 6% cash back on up to $6,000 in annual U.S. supermarket spending.

Cards for Specific Needs:

  • Simplicity: Capital One Quicksilver Cash Rewards Credit Card – Straightforward 1.5% cash back on most purchases, with 5% back on travel booked through Capital One.
  • Grocery Delivery: Instacart Mastercard® – Earns 5% cash back on Instacart purchases and grants a free year of Instacart+ membership.
  • Customizable Cash Back: Citi Custom Cash℠ Card – Automatically earns 5% cash back on your top spending category each month (up to $500).
  • Restaurants & Entertainment: Capital One SavorOne Cash Rewards Credit Card – Enjoy 3% cash back on dining, entertainment, groceries (excluding superstores), and streaming, plus bonus rates for Uber Eats and Capital One Entertainment purchases.
  • Flexible Cash Back: Bank of America® Customized Cash Rewards Credit Card – Select your preferred 3% cash-back category each quarter and earn 2% back on warehouse and grocery stores.
  • Buying in Bulk: Costco Anywhere Visa® Card by Citi – Rewards loyal Costco shoppers with 2% back on all Costco purchases (4% for Executive members) and additional cash back on gas.

Remember: Consider your spending habits and choose a card that aligns with your needs.

Additional Factors:

  • Annual Fee: Some cards offer higher rewards but come with an annual fee. Weigh the potential rewards against the fee to see if it’s worthwhile.
  • Sign-up Bonus: Many cards incentivize new applicants with a bonus for reaching a minimum spending requirement within a set timeframe.
  • Introductory APR: Some cards offer a 0% intro APR period on purchases and/or balance transfers. This can be helpful for financing a large purchase or paying down existing debt.

Do your research and pick the card that best suits your financial goals!

Best Cash-Back Credit Cards

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