While some cash back credit cards offer a flat rate (generally 1%-2%), many others offer a tiered structure. These tiered cash back credit cards often offer a low rate of cash back (usually 1%) as a default on all purchases, but offer substantially higher cash back rates – as high as 5% or 6% – in certain spending categories.
That means adding a tiered rate cash back card to your wallet and using it strategically can supercharge your credit card rewards-earning. But it all starts with choosing the right card.
When it comes to tiered rate cash back credit cards, the key is picking a card that best matches your lifestyle and spending habits. Some cards offer their highest rates on food and dining out and others focus on gas or commuting-related expenses. Still others target home life expenditures, like streaming services.
Of course, as with any credit cards decision, you also need to take into consideration interest rates, fees, available bonuses and introductory offers.
So, which card is best suited for you? To get you started, our editors have done the research and have compiled the following list some of the best tiered rate cash back credit cards in the market.
Best for everyday purchases
Best for groceries
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