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Types of Cash Back Credit Cards

Cash back credit cards generally fall into three categories: flat-rate, tiered, and rotating category cards. Flat-rate cards offer a consistent percentage back on all purchases, perfect for those who prefer simplicity. Tiered cards provide higher rewards in specific categories, such as 3% on dining and 1% on other purchases. Rotating category cards offer elevated cash back in categories that change quarterly, requiring a bit more attention but offering substantial rewards for those who plan accordingly.