Cash Back Credit Cards(1):

This type of credit card is an amazing thing for the customers who love to save money and do not utilize it more frequently. It is also good for the business personalities that love their money and have the fear of losing it. The cashback credit card creates an urge in them to use these cards more and in return, they will get their money back on their spendings every day. Being flexible in nature, allows you to spend your earnings and get benefits more after each successive purchase. Normally, about 1% and 2 % is the cashback rate on all the spendings and if you do some grocery and take the dining facility through this card then you will get more reward than the normal rate.

Flat-Rate Cash Back Credit Cards

The defined and customers preferred choices cash back cards are as follows:

  • Citi Double Cash Card

This card is in great demand with full stars rating of 5 according to the NerdWallet ratings. The interesting features of this card include no annual fee, intro offer $0, and reward rate of 1% and 2%.

You can be rewarded up to 2% on any kind of buying at the rate of 1% cash back at the time of purchase and 1% additional when you usually spend on these purchases. You have to pay the due amount on time if you want extra cashback.

There is a total exchange charge of 5 or 3 dollars on every fund transfer, whichever is more noteworthy. The APR for this plan is 13.99% and ranges up to 23.99%, in light of your financial conditions. The offers you get by the Citi Flex Plan can be accessed at Citi’s site. You will not earn a reward on the balance transfers.

  • Wells Fargo Cash Wise Visa Card

Due to its popular rating of 4.7 stars, it stands second in the Flat rate category while offering bonuses, 0% annual fee, and additional service of cell phone protection. The Earning rate of this card is 1.5% and it gives the intro offer of about $150. The interesting fact about this card is if you pay your bills through this card you will get the services against the damage of your phones or in case of loss.

Within the period of 3 months, the offer is to spend $500 on which you will earn up to $150 as a bonus.  If you continuously use this card and become loyal then there will be no restrictions on sign up and daily rewards expiry. After the opening of your account in it within a year if you do digital purchasing from Google or Apple store then you will earn 1.8% cashback.

Bonus Rewards Cashback Credit Cards(2)

Discover it Cash Back

In the bonus reward, quarterly categories with the addition of cash-back match is the great benefit you have with this card with no annual fee and with exceptional reward rate of 1% and 5% and exclusively intro as Cash-back Match.

It has good reviews with excellent ratings of 4.8 stars. You have a great opportunity to get your money back in face of 5% on your minimum spending up to $1500 within every quarter after the activation from any place you want to buy. By using this card services you have no restrictions of minimum spending or maximum rewards you can convert your $150 to $300 easily.

The only negative you can say with this card is you have to spend your money to get your rewards within the quarter otherwise you have to wait for the next year to avail this opportunity of cashback of 5%.

Chase Freedom Unlimited

This card offers you to get 5% or 3% interest rates plus the high ongoing rate. This card with the $0 annual fee gives you a great chance of cashback from 1.5% to 5% on different packages and earnings with the intro offer of $200. You can score point unlimited on any spending up to 1.5% cashback. The categories regarding the section of travel, dining, and other purchase is 5%, 3%, and 1.5% respectively. This offer will never end till your account is active with chase.

At the time of opening, 0% Intro APR will be given, and then at that point where you have spent a lot a variable APR of 14.99 – 23.74%. The drawback of this card is that with the exceptional rate of reward it also charges on the foreign exchange of about 3%.

Blue Cash Preferred Card from American Express:

This card is sponsored by American express in which groceries, gas, commuting, and streaming facilities are available. This card is not free and has an annual fee of $95 and has a Rewards limit of 1%-6% and with intro offer of $250. The overall liking of this card is 5 stars which are amazing in term of usage. On the fresh card options, you can avail the rewards of up to $250 on spending $ 1000 within 3 months. 6% cash-back on purchasing of goods from American supermarkets minimum of spending $6000. 3% cashback on U.S gas stations. The earnings you will get back are in dollars.

The negative in this card is that the yearly expense will be a staying point for a few, yet the prizes will counterbalance the charge in the event that you go through $31 every week at the general store. In the event that you don’t have huge staple costs, then this just isn’t the card for you. All things being equal, consider the Blue Cash Everyday® Card from American Express, which has a $0 expense yet lower rewards rates.

Fair/Average Credit Cards

Capital One Quicksilver Cash Reward Credit card:

This card is preferable and best for customers that are not as financially strong in building their credit. It has an annual fee of $35 and an earning rate of 1.5% which is comparative in available resources.  The card has a rating of 4.4 stars along with a $0 intro offer.

The drawback of this card is the yearly charge of $39 which isn’t exceptionally high. The progressing APR is high, so you should anticipate covering your equilibrium every month; in any case, interest will successfully gobble up your prizes.