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Maximize Your Savings with the Best Cash-Back Credit Cards

Are you tired of feeling like you’re not getting the most out of your credit card rewards? Look no further! We’ve compiled a list of the top cash-back credit cards that can help you earn hundreds of dollars in rewards each year.

Flat Cash-Back Cards

If you’re looking for a simple, hassle-free way to earn cash back, flat cash-back cards are the way to go. These cards offer a fixed percentage of cash back on every purchase, with no rotating categories or spending limits to worry about.

• Citi Double Cash Card: Earn 2% cash back on every purchase, with no annual fee.
• Wells Fargo Active Cash Card: Earn 2% cash back on every purchase, with no annual fee.
• Capital One Quicksilver Cash Rewards Credit Card: Earn 1.5% cash back on every purchase, with no annual fee.

Tiered Cash-Back Cards

If you spend a lot in specific categories, tiered cash-back cards can offer higher rewards rates. These cards often have rotating categories or spending limits, but can offer more value if you maximize your earnings.

• Blue Cash Preferred Card from American Express: Earn 6% cash back at U.S. supermarkets, 3% cash back at U.S. gas stations, and 1% cash back on everything else. ($95 annual fee)
• Citi Custom Cash Card: Earn 5% cash back in your top eligible spending category each month, up to $500 spent. ($0 annual fee)
• Wells Fargo Autograph Card: Earn 3% cash back on dining, 2% cash back at gas stations, and 1% cash back on everything else. ($0 annual fee)

Rotating Cash-Back Cards

If you’re willing to keep track of rotating categories, these cards can offer higher rewards rates in specific areas.

• Discover it Cash Back: Earn 5% cash back in various categories throughout the year, such as gas stations, grocery stores, and restaurants. ($0 annual fee)
• Chase Freedom Flex: Earn 5% cash back in rotating categories each quarter, such as gas stations, grocery stores, and restaurants. ($0 annual fee)

Tips for Maximizing Your Cash-Back Rewards

• Always pay your balance in full each month to avoid interest charges.
• Choose a card that aligns with your spending habits.
• Take advantage of sign-up bonuses and 0% intro APR offers.
• Consider pairing multiple cash-back cards to maximize your earnings.
• Read the fine print and understand the rewards structure and any spending limits.

By choosing the right cash-back credit card and following these tips, you can earn hundreds of dollars in rewards each year and maximize your savings.