Top 10 Best Cash Back Credit Cards
Looking for Cash Back Credit Cards? We have made a list from the very best choice. Go ahead and find out their features.
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Cash back credit cards are credit cards that offer rewards in the form of cash back on your purchases. With these cards, you can earn a percentage of your purchases back as cash rewards, which can be redeemed as statement credits, checks, or direct deposits into your bank account.
Cash back credit cards typically have different categories for earning cash back, such as dining, groceries, gas, and travel. Some cards may offer a flat rate of cash back on all purchases, while others may have rotating categories that offer higher cash back rates for a limited time.
It's important to compare different cash back credit cards to find the one that best fits your spending habits and offers the highest cash back rewards for the categories you spend the most on. Keep in mind that some cash back credit cards may have annual fees, so be sure to consider the overall value of the rewards before applying for a card.
- ValuePenguin
ValuePenguin - Comprehensive financial product comparison site.
- NerdWallet
NerdWallet - Financial advice and tools for consumers.
Financial Advice
Reviews
- US News & World Report
US News & World Report - Financial news and advice website.
Financial Planning
Investing
- CreditCards.com
CreditCards.com - Comprehensive credit card comparison and advice.
Credit Scores
Financial Tools
- WalletHub
WalletHub - Financial advice and tools for success.
Credit Scores
Reviews
- The Points Guy
The Points Guy - Rewarding travel through points and miles.
Rewards tracking
Travel advice
- Bankrate.com
Bankrate.com - Bankrate.com provides financial advice and tools.
Interest Rates
Calculators
- Investopedia
Investopedia - Investment education and financial advice.
Financial Education
Investment Advice
- Credit Karma
Credit Karma - Free credit monitoring and advice.
Credit Scores
Reports
- Money Crashers
Money Crashers - Moneycrashers.com is a personal finance resource.
Financial Advice
Budgeting Tips
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Top 10 Sites for the Cash Back Credit Cards
1.
ValuePenguin

ValuePenguin is a website that provides information and tools to help consumers make informed financial decisions. The website covers a wide range of topics, including credit cards, mortgages, insurance, and small business finance. ValuePenguin aims to provide unbiased and accurate information to help consumers compare financial products and services and choose the best options for their needs. The website offers a variety of tools, including calculators and comparison tables, to help users make informed decisions. For example, ValuePenguin provides a list of the best small business credit cards and the best credit card sign-up bonuses of the month. They also provide information on how to claim rental income to qualify for a mortgage and whether to use a health insurance broker. Additionally, ValuePenguin offers a guide on the typical costs of starting a business.
Pros
Comprehensive and unbiased financial information
User-friendly interface for easy navigation
Helpful tools for financial planning
Cons
Limited insurance coverage options
Biased or unreliable information
2.
NerdWallet

NerdWallet, Inc. is a financial services company that provides free financial advice, tools, and content on topics related to making the best money decisions, including banking, student loans, taxes, credit cards, insurance, and mortgages. They are primarily known for their reviews of credit cards and other financial products. Financial companies, such as credit card companies or banks offering personal loans, pay NerdWallet for every sign-up that is generated by NerdWallet’s platforms. NerdWallet generates revenue digitally by users on their financial tech platform, which can be accessed via the web and apps. 92% of its site traffic originates in the US and 4% comes from Canada, the UK, and India. NerdWallet has had six rounds of funding and raised a total of $105 million. They function primarily in the North American and UK markets.
Pros
Comprehensive financial advice
Easy to use interface
Free resources
Cons
Inaccurate information
Limited options
Costly fees
3.
US News & World Report

Money.usnews.com is a website that provides information on personal finance, careers, and education. The website is a part of U.S. News & World Report, which is a recognized leader in college, grad school, hospital, mutual fund, and car rankings. The website offers a range of articles and resources on topics such as job interviews, resignation letters, and interpersonal skills in interviews and resumes. It also provides advice on how to write a professional thank-you email after an interview. The website aims to help readers make informed decisions about their finances, careers, and education by providing them with expert advice and information.
Pros
Convenient
Reliable
Secure
Cons
Inequality
Greed
Debt
4.
CreditCards.com

CreditCards.com is a website that provides information and resources about credit cards, including business credit cards. Here is an introduction to CreditCards.com and the business of business credit cards: - **Overview**: CreditCards.com is a platform that offers a wide range of credit card options, including business credit cards. It provides information on various credit cards, their features, rewards, fees, and other details to help individuals and businesses make informed decisions. - **Business Credit Cards**: Business credit cards are financial tools designed specifically for business owners. They offer benefits and features tailored to the needs of businesses, such as rewards programs, special financing options, and access to business-centric perks. Business credit cards can help businesses manage expenses, build credit, and earn rewards on business-related purchases. - **Application Process**: To apply for a business credit card, individuals need to provide information about their business, such as the business name, address, industry, revenue, and how long the business has been operating. Additionally, personal information, including household income, Social Security number, and personal address, may be required from the business owner. - **Benefits**: Business credit cards often come with benefits that are more suited for businesses than for individuals. Depending on the card, business owners can earn rewards at office supply stores, gas stations, restaurants, and other business-related categories. These rewards can be valuable for offsetting business expenses or reinvesting in the business. - **Credit Requirements**: The credit requirements for business credit cards may vary, but generally, a good to excellent credit score is recommended (670-850) . However, there are also options available for individuals with fair to average credit scores (580-740) . In summary, CreditCards.com is a platform that provides information and resources about credit cards, including business credit cards. Business credit cards are designed specifically for business owners and offer benefits and features suited to businesses. They can help businesses manage expenses, build credit, and earn rewards on business-related purchases.
Pros
Convenient
Secure
Rewarding
Cons
High interest rates
Easy access
Fraud risk
5.
WalletHub

WalletHub is a financial website that provides free credit scores and reports updated daily, as well as tools and insights to help users improve their credit and reach top WalletFitness. The website offers a variety of financial products and services, including credit cards, personal loans, and savings monitoring. WalletHub also provides educational resources, such as articles on the pros and cons of credit cards and how to choose a credit card for the first time. The website's credit card tools and content help users find the best credit card for their needs, and its personal loan comparison tool allows users to view multiple prequalified offers without hurting their credit score or having to visit multiple lenders. Additionally, WalletHub offers a guide on how to become an authorized user on a credit card account.
Pros
Comprehensive Credit Tools
Free Financial Advice
Easy to Use
Cons
Inaccurate ratings
Limited features
Ads intrusive
6.
The Points Guy

Thepointsguy.com is a website that provides information and advice on maximizing travel rewards, including credit card rewards, frequent flyer miles, hotel points, and loyalty programs. The website is run by a team of experts who publish blog posts, reviews, and analyses of rewards-program fine print. The website also offers a credit card marketplace where users can compare and apply for credit cards. The website generates revenue through affiliate partnerships with credit card companies, meaning that the website receives compensation when users apply for credit cards through the website. In addition to the website, The Points Guy also offers an app that helps users earn, track, and use travel rewards more efficiently. The app supports over 70 loyalty programs and can be a handy tool for avid travelers who rely heavily on award fares and discounts.
Pros
Rewards
Travel
Deals
Cons
High fees
Limited options
7.
Bankrate.com

Bankrate.com is a personal finance website that provides information and tools to help consumers make informed financial decisions. The website offers a range of resources, including articles, calculators, and comparison tools, covering topics such as credit cards, insurance, investing, and banking. Bankrate.com is owned by Red Ventures, a digital marketing company that operates a portfolio of brands in various industries. Bankrate.com's business is to provide consumers with information and tools to help them make informed financial decisions. The website generates revenue through partnerships with financial institutions, such as credit card issuers and banks, who pay to advertise their products on the site. Bankrate.com also earns revenue through affiliate marketing, where it receives a commission when users click on links to financial products and services and make a purchase. Bankrate.com's content is created by a team of writers, editors, and industry experts who score credit cards, insurance policies, and other financial products based on a variety of factors, including features, bonus offers, and independent research. The website strives to provide accurate and unbiased information to help consumers make informed financial decisions. In summary, Bankrate.com is a personal finance website that provides information and tools to help consumers make informed financial decisions. The website generates revenue through partnerships with financial institutions and affiliate marketing. Its content is created by a team of experts who strive to provide accurate and unbiased information to help consumers make informed financial decisions.
Pros
Accurate financial advice
Comprehensive research tools
Easy to use interface
Cons
Inaccurate information
Limited resources
Ads intrusive
8.
Investopedia

Investopedia.com is an online financial resource that provides comprehensive financial information and education to investors of all levels. It offers a wide range of resources, including financial calculators, tutorials, news, and analysis. Investopedia.com also provides a platform for users to discuss and share their investment ideas and strategies. The website is designed to help investors make informed decisions and become more knowledgeable about the financial markets. Investopedia.com is a trusted source for financial information and education, and is used by millions of investors around the world.
Pros
Educational
Comprehensive
Reliable
Cons
Inaccurate information
Ad-heavy layout
Limited resources
9.
Credit Karma

Credit Karma is a platform that offers free credit monitoring and credit scores to individuals. It aims to level the playing field for consumers by providing them with access to their credit information and helping them understand and improve their overall credit health. Here is an overview of the business: - **Free Credit Monitoring**: Credit Karma provides free credit monitoring services to help protect against identity theft and report errors. - **Free Credit Scores**: Users can access their credit scores for free through Credit Karma. - **Credit Cards**: Credit Karma offers a search tool to help users find the best credit cards that match their credit profile. - **Loans**: Credit Karma provides resources and tools for personal loans, auto loans, student loans, and business loans. - **Auto Insurance**: Users can also find information and resources for auto insurance on the platform. - **Community and Blog**: Credit Karma has a community and blog section where users can find articles, reviews, and helpful information about credit and personal finance. Overall, Credit Karma aims to empower individuals by providing them with access to their credit information and resources to make informed financial decisions.
Pros
Free Credit Scores
Financial Tools
Secure Platform
Cons
High Interest Rates
Limited Services
Data Security
10.
Money Crashers

Money Crashers is a personal finance website that provides information and advice on a variety of topics, including credit cards, small business, side hustles, startup financing, savings apps, online banks, and paycheck advance apps. The website aims to help individuals make informed financial decisions and improve their financial well-being. Money Crashers offers a range of resources, including articles, reviews, comparisons, and guides, to help readers navigate the complex world of personal finance. The website covers a wide range of topics related to personal finance, from credit cards and savings accounts to small business financing and paycheck advance apps. Overall, Money Crashers is a valuable resource for anyone looking to improve their financial literacy and make better financial decisions.
Pros
Financial Education
Money Saving Tips
Expert Advice
Cons
Unreliable information
Limited resources
Ads intrusive
Frequently Asked Questions About Cash Back Credit Cards
What are the benefits of using a cash back credit card?
Cash back credit cards offer a variety of benefits. They provide a great way to earn rewards on everyday purchases. Cash back rewards can be used to pay for future purchases or to pay down existing debt. Cash back cards also offer additional benefits such as extended warranties, purchase protection, and travel insurance. Additionally, cash back cards can help build credit by reporting your payment history to the credit bureaus.
What are the different types of cash back credit cards available?
1. Flat-rate cash back cards: These cards offer a fixed percentage of cash back on all purchases. 2. Bonus category cash back cards: These cards offer higher cash back rates on certain categories of purchases. 3. Tiered cash back cards: These cards offer different cash back rates depending on the amount spent. 4. Rotating category cash back cards: These cards offer higher cash back rates on certain categories of purchases that change periodically. 5. Flat-rate travel rewards cards: These cards offer a fixed percentage of cash back on travel-related purchases. 6. Co-branded cash back cards: These cards offer higher cash back rates on purchases made with specific retailers.
How do I maximize my cash back rewards with a cash back credit card?
To maximize cash back rewards with a cash back credit card, use the card for all purchases, pay off the balance in full each month, and take advantage of bonus categories. Also, look for cards with no annual fee and sign up for any loyalty programs associated with the card. Finally, be sure to read the terms and conditions of the card to understand how the rewards are earned and redeemed.