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Our editors’ take: The best cash back credit cards
Editors’ Tips††: Cash back cards offer rewards on your purchases, either at a flat rate on everything or with elevated rates in certain bonus categories. Cash back credit cards don’t always offer the best rewards value, but they do tend to be more straightforward and easier to manage than travel rewards credit cards. When shopping for cash back cards, focusing on your spending habits can help you decide if it makes sense to pay an annual fee, whether you want a flat rate on all purchases or bonus categories, and if rotating categories or consistent bonus rewards are best for you.
Our editors’ picks for the top cash back cards offer bonus categories and/or flat-rate rewards:
- Best for everyday spending: Chase Freedom Unlimited®
- Best for rotating bonus rewards: Chase Freedom Flex®
- Best for simple cash back: Citi Double Cash® Card