Maximize Free Money with Top Cash Back Cards

Types of Cash Back Cards

There are several types of cash back cards to consider, each catering to different spending patterns:

• Flat-rate cards: These cards offer a consistent cash back rate on all purchases, making them ideal for those with varied spending habits. For instance, the Citi® Double Cash Card provides 2% cash back—1% when you buy and 1% when you pay off the purchase¹.
• Tiered cards: These cards offer higher cash back rates in specific categories, such as groceries or gas. The Blue Cash Preferred® Card from American Express, for example, offers 6% cash back at U.S. supermarkets on up to $6,000 per year².
• Rotating category cards: These cards offer bonus cash back in categories that change quarterly. An example is the Chase Freedom Flex℠, which offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate³.