Natasha Etzel

Cash back credit cards allow you to earn rewards on purchases, typically through flat-rate or bonus categories like dining, groceries, and gas. Maximizing rewards depends on understanding your spending habits and choosing the right card. Consider sign-up bonuses, caps, and redemption options to boost earnings. For more insights, read the full article below.

Previously known as the Citi Premier, the Citi Strata Premier®, from our partner, has been rebranded and includes new benefits. This rewards credit card has a $95 annual fee and earns bonus rewards in several popular everyday purchase categories — plus, there are no spending caps. New cardholders can earn a generous 60,000-point sign-up bonus offer.

The Citi Double Cash® Card, from our partner, is a cash back rewards card with no annual fee. You can earn an unlimited 2% cash back rewards. You earn 1% cash back when you make a purchase and 1% cash back when you pay off the purchase. You must pay at least the minimum amount due each month to earn rewards with this credit card.

The Chase Ultimate Rewards® is a rewards program where users can earn Chase Ultimate Rewards® points through their Chase credit cards, which can be redeemed in many ways, including for travel or cash back. You can strategically maximize your earnings and get more value from your rewards through bookings made on the Chase Travel and Dining portals.

The Citi ThankYou® Rewards is a high-value credit card rewards program available to eligible Citi credit cardholders. Through this program, you can earn Citi ThankYou® Points when you make purchases with a qualifying Citi credit card. There’s a lot of versatility in how you can redeem your ThankYou® points, including cash back, gift cards, points transfer, and travel bookings.

The Citi Rewards+® Card, from our partner, is a solid choice for those looking to earn rewards on everyday purchases without paying an annual fee. It’s ideal for those who aren’t big spenders. It earns rewards at an evaluated rate on supermarket and gas station spending. However, the bonus rewards are capped at $6,000 in spending per year.