Cashback on Credit Cards: Top Options and Benefits

Cashback on credit cards can be a great way to earn rewards on your everyday purchases. In fact, some credit cards offer up to 5% cashback on certain categories like groceries or gas.

To maximize your cashback earnings, it's essential to choose a credit card that aligns with your spending habits. For example, if you frequently dine out, a card that offers 3% cashback on dining purchases could be a great option.

Some popular credit cards that offer cashback rewards include the Chase Freedom Unlimited and the Citi Double Cash Card. These cards offer competitive cashback rates and rewards on everyday purchases.

The Chase Freedom Unlimited, for instance, offers 3% cashback on all purchases in your first year up to $20,000 spent, and 1.5% cashback on all other purchases.

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American Express offers two Consumer Cash Back Credit Cards with competitive benefits to support your spending habits.

You can earn a 3% Cash Back Reward on Gas, Groceries and Utilities with the Fortiva Mastercard Credit Card, and a 1% Cash Back Reward on all other eligible purchases.

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The Fortiva Mastercard Credit Card offers a credit limit of up to $1,000 subject to credit approval, and you can pre-qualify without affecting your credit score.

Here are some of the key benefits of the Fortiva Mastercard Credit Card:

The Huntington Cashback Card offers benefits like no categories to choose and no caps on how much cash back you can earn, making it a straightforward option for earning rewards.

If you're looking for a cashback credit card that offers flexibility, the Huntington Cashback Card is a great option. It comes with no categories to choose from, which means you can earn cash back on all your purchases without having to worry about selecting specific categories.

One of the benefits of this card is that there are no caps on how much cash back you can earn, so you can keep earning rewards without any limits.

Overall, the Huntington Cashback Card seems like a solid choice for those who want a straightforward cashback experience.

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The Citi Double Cash Card is a great option for those who want to earn cash back rewards on all their purchases. You'll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

To earn cash back, you'll need to pay at least the minimum due on time. This card also offers a special travel offer, earning 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel portal through 12/31/25.

One thing to note is that balance transfers do not earn cash back, and the intro APR on balance transfers only applies for 18 months. After that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness.

Here are the details of the sign-up bonus:

The Citi Double Cash Card also comes with a balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening, and 5% of each transfer (minimum $5) after that.

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The Capital One Savor Cash Rewards Credit Card is a great option for those who love to eat out or stream their favorite shows. It offers a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.

Earning cash back is straightforward with this card, as you'll get 3% cash back at grocery stores, dining, entertainment, and popular streaming services, plus 1% on all other purchases. This means you can rack up cash back without having to worry about rotating categories or sign-ups.

One notable perk is the 8% cash back on Capital One Entertainment purchases. This can be a significant bonus for those who frequent concerts, sporting events, or theater performances.

The card also offers 5% cash back on hotels and rental cars booked through Capital One Travel, where you can find the best prices on thousands of trip options. This can be a great way to save money on travel expenses.

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One of the best features of this card is the cash back rewards won't expire for the life of the account, and there's no limit to how much you can earn. This means you can keep earning cash back without worrying about losing it.

The card also offers a 0% intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 19.24% - 29.24%. Additionally, there's no foreign transaction fee, making it a great option for international travel.

Finally, the best part? There's no annual fee, so you can enjoy all these benefits without paying a thing.

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The Blue Preferred Card is a great option for those looking for a cashback credit card with competitive benefits. It has an annual fee of $0 intro annual fee for the first year, then $95.

This card is a good choice for people who want to earn cashback rewards without breaking the bank. The annual fee is relatively low, especially considering the benefits it offers.

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One thing to keep in mind is that the Blue Preferred Card has certain terms and conditions that you should be aware of. These include the cashback card terms and conditions, as well as the cashback rewards terms and conditions.

Overall, the Blue Preferred Card is a solid choice for those who want to earn cashback rewards without committing to a long-term contract.

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The Master Black card is a premium offering that's ideal for those seeking straightforward rewards and exceptional service. It's designed to be a top-of-wallet card, eliminating the need to juggle multiple cards and monthly statements.

One of the standout features of the Master Black card is its flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption. This means cardholders can earn one point for every dollar spent, without the complexity of rotating categories or earning caps.

The card also offers an Annual Airline Credit of up to $100 in statement credits toward flight-related purchases. This can be a huge perk for frequent travelers, and it's automatically applied to the account with no need to activate or designate an airline.

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Cardholders can also enjoy automatic enrollment in Priority Pass Select with access to 1,500+ airport lounges worldwide, with no guest or lounge limits. This is a great benefit for those who value luxury travel experiences.

Here are some key benefits of the Master Black card at a glance:

The Fortiva Mastercard is a great option for those looking for a cashback credit card. It offers a 3% cash back reward on gas, groceries, and utilities, making it a smart choice for everyday purchases.

You can earn a 1% cash back reward on all other eligible purchases, giving you a steady stream of rewards. This is a great way to earn cash back on your daily expenses.

The Fortiva Mastercard has a credit limit of up to $1,000, subject to credit approval. This is a decent limit for those who are just starting to build their credit.

Pre-qualifying for the Fortiva Mastercard won't affect your credit score. This is a great feature for those who want to check their eligibility without taking a hit to their credit score.

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One of the best things about the Fortiva Mastercard is that it has no security deposit. This means you can start using the card right away without having to pay a deposit.

The Fortiva Mastercard is widely accepted, with access to Mastercard's global network. You can use it anywhere Mastercard is accepted, making it a convenient option for travel and shopping.

You'll also get free access to your credit score, which can be a huge help in tracking your credit health. This feature is included with the Fortiva Mastercard, giving you a clear picture of your credit status.

In the event of fraud, you're protected with $0 fraud liability. This means you won't be held responsible for any unauthorized charges, giving you peace of mind when using your card.

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With a cashback credit card, you're not just earning rewards on your purchases, but also enjoying a range of additional benefits that can enhance your overall experience.

Amex Offers allows you to earn rewards on purchases for things you love, such as dining, travel, or shopping.

Purchase Protection is an embedded benefit of your Card Membership, requiring no enrollment, and can help protect Covered Purchases made on your Eligible Card against accidental damage or theft.

You can send money and split your Amex Purchases with other Venmo or PayPal users directly from the American Express App with Amex Send & Split.

Global Assist Hotline provides 24/7 medical, legal, financial, or other select emergency coordination and assistance services when you travel more than 100 miles from home.

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