Looking for the best credit card with cashback rewards? With so many options on the market, it’s nearly impossible to choose a cashback card that matches your lifestyle and financial goals.
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Undoubtedly, there are great credit cards with cashback rewards, each with its own peculiarities. Now, how to choose? The best option is to know the best ones and understand exactly the positive and negative points of each alternative.
That’s what we’ll help you do today, showing you the best options and detailing their main benefits and fees. Thus, you will find out which credit card with cashback rewards is right for you.
1. Chase Freedom Unlimited (Credit card with cashback rewards)
The Chase Freedom Unlimited stands out for offering cashback in several categories, without requiring the payment of an annual fee. In addition, it is ideal for those who have a score from 670 points.
Once you get the card, you’ll get a $200 welcome bonus after spending $500 in the first three months.
Regarding receiving money back, the card offers 3 ways to get it:
- 5% cashback on trips purchased through Chase Travel;
- 3% in restaurants and pharmacies;
- 1.5% on all other purchases.
Another strong point is the 0% introductory APR for 15 months on both purchases and balance transfers, which can be an interesting breather for those looking to reorganize their finances. After this period, the APR varies between 18.99% and 28.49%, according to the customer’s credit profile. For more information, visit the official website of credit card chase.
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2. Discover it Cash Back
Discover it Cash Back is ideal for those looking for a card with no annual fee and great advantages in the first year of use.
It is recommended for those who have at least 700 score points.
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The main differential is the exclusive offer of double cashback in the first year. Since Discover will automatically match all cashback earned in the first 12 months.
Furthermore, if you accumulate $150, the company returns another $150 — with no minimum amount required and no maximum limit.
During the year, it also earns 5% cashback on rotating categories (such as supermarkets and wholesale clubs), valid for up to $1,500 in purchases per quarter, as long as it activates the category.
Another highlight is the introductory APR of 0% for 15 months on purchases. After this period, the variable rate ranging from 18.24% to 27.24%, depending on the holder’s credit history, becomes valid.
3. Citi Double Cash Card (Credit card with cashback rewards)
Citi Double Cash is one of the most popular cards in the United States for those looking for cashback. At first, to achieve it, it must have at least 580 score points.
With it, you will receive 2% cashback on all purchases: 1% at the time of purchase and another 1% when paying the invoice. As long as the minimum payment is made within the deadline. That is, the more you use and pay, the more you earn.
In addition, Citi Double Cash offers a $200 welcome bonus when you reach $1,500 in purchases within the first 6 months of opening the account.
The amount is converted into 20,000 ThankYou Points, which can be exchanged for cash, vouchers, trips, among other options.
For those looking to save on interest, the card brings an introductory offer of 0% APR for 18 months on balance transfers.
4. Capital One Savor Cash Rewards
If you usually spend on restaurants, entertainment, and grocery shopping, Capital One Savor Cash Rewards is an ideal choice. Since it is aimed at people with a credit of at least 650 points
The big difference from Savor Cash is in its cashback structure:
- 3% unlimited cashback on restaurants, supermarkets, entertainment, and streaming services.
- 5% cashback on hotels and car rentals booked through Capital One Travel.
- 8% cashback on experiences purchased via Capital One Entertainment.
- 1% on all other purchases.
Unlike many competitors, there are no rotating categories or need for activation, just use the card and accumulate rewards automatically. In addition, cashback does not expire and there is no earning limit while your account is active.
The card also offers an introductory offer of 0% APR for 15 months on purchases and balance transfers.
After this period, the rate will vary between 19.24% and 29.24%. Balance transfers are subject to an applicable fee.
With all these advantages, Capital One Savor Cash Rewards stands out as an excellent option for those looking for a solid rewards card, with no annual fee and focused on their leisure time.
5. Instacart Mastercard
For those looking for practicality and usually do grocery shopping over the internet, Instacart Mastercard is an excellent alternative.
When approved, you will have a free year of Instacart+ and a $100 credit to use on the platform. It is important to know that the subscription is automatically renewed after the first year, according to the terms of the offer.
Regarding cashback, it delivers interesting returns in several categories, let’s see:
- 5% cashback on all purchases made through Instacart;
- 5% cashback on trips booked via Chase Travel;
- 2% cashback at selected restaurants, gas stations, and streaming services.
- 1% cashback on all other purchases.
In addition, there is no annual fee, but for approval you must have at least 700 score points.
Conclusion (Credit card with cashback rewards)
Choosing the right credit card with cashback rewards can make a huge difference in how much you save. Each credit card you have met has its peculiarities, managing to have great returns, in addition to a series of interesting advantages in restaurants, travel, among other types of expenses.
No matter your priorities, a credit card like this will help you earn great cash rewards, which will not only help you save but also simplify how you manage your finances.
Choose the one that aligns with your spending habits – and turn every purchase into a smart financial move.
Now if your goal is to travel, know that there are other card alternatives more suitable for this purpose, mainly because they offer discounts on tickets, trips and even restaurants and especially for miles. So, get to know the best credit card for Airline miles now.