Best tiered rate cash back credit cards

Written by
Bill Gilman
Terms apply; see the online credit card application for full terms and conditions of offers and rewards. Please note: Any balance transfer savings vary depending upon account usage and payment behavior.

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

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Best for groceries

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Best for gas

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Best for dining out

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Best for small business

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See Rates and Fees for the CardName; See Rates and Fees for the CardName

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Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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