We all love earning cash back. And why not? It’s basically free money for making purchases we were already planning to make!
For some of you, cash back is your top priority when it comes to choosing credit cards. Choosing the card or cards that will help you maximize your rewards can be a challenge. Our editors have compiled a list of credit cards that let you earn (at least!) 5% cashback.
It should be noted that the credit cards that offer 5% cash back (or more) on all purchases are those connected to a particular store and offer that amount on purchases at that store. The cards on this list offer at least 5% on purchases in select categories like gas, travel, dining or groceries and a lower cash back rate as a baseline for all other eligible purchases.
Because the top cash back rewards are only offered in certain categories, maximizing your rewards could mean you decide to carry multiple 5% cash back cards and use them strategically for your purchases.
As you go through the list and decide which card or cards are right for you, look for bonus offers that can boost your rewards, intro 0% APR offers and other perks, but be conscious of fees and spending limits that can eat into your cash back earnings.
Best 5% cash back on travel
Best 5% cash back for rotating categories
Best 5% cash back for small businesses
Best cash back for groceries
American Express is a CardRatings advertiser
Best 5% cash back on gas
Best 5% cash back in categories you can choose
See Rates and Fees for the CardName