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What are the Top 10 Credit Cards for Cash Back Rewards?

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Summary：Discover the top 10 credit cards for cash back rewards, including Citi Double Cash, Chase Freedom Unlimited, and Blue Cash Preferred Card from American Express. Save money on everyday purchases and choose a credit card that fits your spending habits.

Top 10 Credit Cards for Cash Back Rewards

Credit cards are an essential tool for managing finances and earning rewards. One of the most popular types of credit cards iscash back rewards. Cash back rewards cards offer users the opportunity to earn a percentage of their purchases back in cash. Here are thetop 10 credit cardsfor cash back rewards.

1. Chase Freedom Unlimited

The Chase Freedom Unlimited card offers 1.5% cash back on all purchases. Additionally, new cardholders can earn a $200 sign-up bonus after spending $500 in the first three months.

2. Citi Double Cash

The Citi Double Cash card offers 2% cash back on all purchases. Cardholders earn 1% cash back when they make a purchase, and an additional 1% cash back when they pay their bill.

3. Discover it Cash Back

The Discover it Cash Back card offers 5% cash back on rotating categories each quarter, up to $1,500 in purchases per quarter. All other purchases earn 1% cash back. Discover also matches all the cash back earned in the first year for new cardholders.

4. Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express offers 6% cash back on purchases at US supermarkets, up to $6,000 per year. Additionally, cardholders earn 6% cash back on select US streaming subscriptions, 3% cash back on transit purchases, and 1% cash back on all other purchases.

5. Chase Freedom Flex

The Chase Freedom Flex card offers 5% cash back on rotating categories each quarter, up to $1,500 in purchases per quarter. Additionally, cardholders earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1% cash back on all other purchases.

6. Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card offers 4% cash back on dining and entertainment purchases, 2% cash back at grocery stores, and 1% cash back on all other purchases. New cardholders can earn a $300 sign-up bonus after spending $3,000 in the first three months.

7. Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card offers 3% cash back on dining, travel, and select streaming services, and 1% cash back on all other purchases. New cardholders can earn a $200 sign-up bonus after spending $1,000 in the first three months.

8. Costco Anywhere Visa Card by Citi

The Costco Anywhere Visa Card by Citi offers 4% cash back on eligible gas purchases, including gas at Costco, up to $7,000 per year. Additionally, cardholders earn 3% cash back on restaurants and travel purchases, 2% cash back at Costco and Costco.com, and 1% cash back on all other purchases.

9. Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card offers 5% cash back on purchases at Amazon.com and Whole Foods Market, 2% cash back at restaurants, gas stations, and drugstores, and 1% cash back on all other purchases.

10. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card offers 3% cash back on a category of your choice, including gas, online shopping, dining, travel, drugstores, or home improvement/furnishings, and 2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined choice category/grocery store/wholesale club purchases per quarter. All other purchases earn 1% cash back.

Tips for Applying for a Cash Back Rewards Credit Card

Before applying for a cash back rewards credit card, it's important to consider a few factors. First, make sure you have a good credit score to increase your chances of approval. Additionally, be sure to read the terms and conditions of the credit card to understand any fees or restrictions. Finally, consider your spending habits and choose a credit card that offers rewards in categories where you spend the most.

Saving Money with Cash Back Rewards Credit Cards

Using a cash back rewards credit card can help you save money on everyday purchases. To maximize your savings, consider using your credit card for purchases you would make anyway, such as groceries or gas. Additionally, be sure to pay your credit card bill in full each month to avoid interest charges.

Annual Fees and Avoiding Risks

Some cash back rewards credit cards come with annual fees. Before applying for a credit card with an annual fee, make sure the rewards and benefits outweigh the cost of the fee. Additionally, be sure to monitor your credit card statements regularly and report any unauthorized charges or fraudulent activity to your credit card company immediately.

Credit Card Company Recommendations

When choosing a credit card, it's important to consider the reputation of the credit card company. Some of the top credit card companies include Chase, Citi, Discover, American Express, Capital One, and Wells Fargo. Be sure to research each credit card company's rewards program, customer service, and fees before making a decision.

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