Top 10 Best Cashback Credit Card for All Purchases in USA

Bikash
By Bikash

Expert Guide to Get the Best Cashback Credit Card for All Purchases

Are you looking for a credit card that rewards you for every purchase you make? Cashback credit cards are a fantastic way to earn rewards on your everyday spending, from groceries to gas to dining and more. In this comprehensive guide, we’ll walk you through the Best Cashback Credit Card for All Purchases in the USA, helping you make an informed decision about which card aligns with your spending habits and financial goals.

What is Cashback Credit Cards?

Cashback credit cards offer you a simple and rewarding way to earn a percentage of your spending back in cash. Unlike rewards cards that may tie you to specific redemption options, cashback cards provide you with the flexibility to use your earned rewards however you choose.

How Do Cashback Credit Cards Work?

Cashback Credit Cards work on a simple principle: the more you spend, the more cashback you earn. Different cards offer varying cashback rates for different categories of spending, such as groceries, dining, travel, and more. Some cards even provide a flat cashback rate on all purchases, making them ideal for those who want a straightforward rewards system.

What are the Benefits of Using Cashback Credit Cards?

When you use a cashback credit card for your everyday purchases, you stand to gain several benefits:

  • Earning Rewards on All Purchases: Cashback cards typically offer rewards on all types of spending, from groceries and gas to dining and entertainment.
  • Simplicity: Cashback rewards are straightforward – you know exactly how much you’re earning and can easily redeem your cash.
  • Flexibility: Use your cashback rewards for anything you want, whether it’s paying down your balance, treating yourself to a vacation, or covering unexpected expenses.
  • Variety of Cards: There’s a wide range of cashback credit cards available, each catering to different spending habits and preferences.

Key Considerations When Choosing a Cashback Credit Card

Cashback Categories: Evaluate your spending habits and choose a card that offers higher cashback rates on the categories you frequently spend in. If you’re a foodie, a card with elevated cashback on dining might be your best bet.

Annual Fee: Some cashback credit cards come with an annual fee. Compare the potential cashback earnings to the annual fee to ensure that the card is worth it in the long run.


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Introductory Offers: Many credit cards offer sign-up bonuses or introductory periods with boosted cashback rates. These can be a great way to maximize your rewards initially.

Redemption Options: Understand how you can redeem your cashback rewards. Some cards offer statement credits, direct deposits, or even gift cards as redemption options.

Credit Score Requirements: Cashback credit cards often require a good to excellent credit score for approval. Make sure you meet the eligibility criteria before applying.

Foreign Transaction Fees: If you travel frequently, consider a card with no foreign transaction fees to avoid extra charges on international purchases.

Additional Benefits: Some cashback credit cards offer additional perks like travel insurance, extended warranties, and purchase protection. These can add significant value to your card.

Top 10 Best Cashback Credit Cards for All Purchases

Now, let’s dive into the top 10 cashback credit cards that are perfect for all your purchases:

1. Citi® Double Cash Card

  • Earn 2% cash back on all purchases: 1% when you buy and 1% when you pay your bill.
  • No annual fee.
  • Good for all types of spending.
  • Requires good credit.

2. Chase Freedom Unlimited®

  • Earn 1.5% cash back on all purchases.
  • 5% cash back on travel purchased through Chase Ultimate Rewards® and on up to $20,000 spent in combined categories each quarter (after that, 1%).
  • 3% cash back on dining and drugstores.
  • No annual fee.
  • Good for all types of spending.
  • Requires good credit.

3. Wells Fargo Active Cash® Card

  • Earn 2% cash back on purchases.
  • No annual fee.
  • Good for all types of spending.
  • Requires good credit.

4. Discover it® Cash Back

  • Earn 5% cash back on rotating categories each quarter (activation required).
  • 1% cash back on all other purchases.
  • 0% intro APR for 15 months on purchases and balance transfers, then 16.24%-25.24% variable APR.
  • No annual fee.
  • Good for all types of spending.
  • Requires good credit.

5. Capital One SavorOne Cash Rewards Credit Card

  • Earn 3% cash back on dining, entertainment, and streaming services.
  • 1% cash back on all other purchases.
  • No annual fee.
  • Good for those who spend a lot on dining, entertainment, and streaming services.
  • Requires good credit.

6. Capital One Quicksilver Cash Rewards Credit Card

  • Earn 1.5% cash back on all purchases.
  • No annual fee.
  • Good for all types of spending.
  • Requires good credit.

7. U.S. Bank Cash+® Visa Signature Card

  • Earn 5% cash back on two categories of your choice (up to $2,000 in combined quarterly spending each).
  • 2% cash back on gas stations and grocery stores.
  • 1% cash back on all other purchases.
  • No annual fee.
  • Good for those who can choose their own spending categories.
  • Requires good credit.

8. BOA Customized Cash Rewards Credit Card

  • Earn 3% cash back on gas (up to $3,000 in combined quarterly spending), 2% cash back on online shopping (up to $2,000 in combined quarterly spending), and 1% cash back on all other purchases.
  • No annual fee.
  • Good for those who want to earn cash back on their everyday spending.
  • Requires good credit.

9. American Express Blue Cash Everyday® Card

  • Earn 3% cash back at U.S. supermarkets (up to $6,000 in combined annual spending), 2% cash back at U.S. gas stations, and 1% cash back on all other purchases.
  • Annual fee of $95.
  • Good for those who spend a lot on groceries and gas.
  • Requires good credit.

10. Chase Freedom Flex℠

  • Earn 5% cash back on up to $1,500 in combined quarterly spending on rotating categories (activation required).
  • 5% cash back on travel purchased through Chase Ultimate Rewards®.
  • 3% cash back on dining and drugstores.
  • 1% cash back on all other purchases.
  • No annual fee.
  • Good for those who want to earn cash back on a variety of purchases.
  • Requires good credit.

Other Best Cashback Credit Card in USA 2023

Credit CardCredit ScoreWelcome BonusOther Benefits
HSBC Cashback Credit Card750AED 100 worth of free airport ride2% cashback on all purchases, no annual fee
ADIB Cashback Visa Platinum Card75050,000 welcome points1% cashback on all purchases, grace period up to 55 days
Emirates Islamic Cashback Plus Credit Card650AED 500 worth of shopping voucher10% cashback on every purchase, 0% Easy Payment Plan
Mashreq Cashback Credit Card650AED 200 worth of shopping voucher2% cashback on all purchases, 0% Easy Payment Plan
RAKBANK Titanium Credit Card650No annual fee ever1% cashback on all purchases
Emirates NBD LuLu 247 Mastercard Platinum Credit Card750AED 100 worth of shopping voucher7% on Lulu Store in store, complimentary airport lounge access
Standard Chartered Mastercard Platinum Credit Card75010,000 welcome pointsComplimentary access to over twenty local and international lounges, no foreign transaction fees
FAB Cashback Credit Card650AED 50 worth of shopping voucher2% cashback on all purchases, Shop Smart option on the FAB Mobile App
Dubai Islamic Consumer Reward Card650AED 100 worth of shopping voucherEasy Transfer of balance and salary, no annual fee
AI Masraf Platinum Credit Card7501,00,000 welcome pointsGet every month 1,00,000 points, no annual fee
Simplylife Cashback Credit Card650AED 50 worth of shopping voucher25% discount on all the restaurants in UAE, no annual fee
CBD Super Saver Credit Card650AED 50 worth of shopping voucherFree valet parking over 15 different locations, no annual fee

Best Cashback Credit Cards for All Purchases 2023

How to Apply Best Cashback Credit Card for All Purchases?

Applying for a cashback credit card is typically done online through the issuer’s website. Make sure to have your personal and financial information ready, and ensure you meet the credit score requirements before applying.

How to Maximizing Your Cashback and Rewards Potentials?

To get the most out of your cashback credit card, consider these tips:

  • Concentrate your spending in categories with the highest cashback rates.
  • Pay your balance in full each month to avoid interest charges.
  • Take advantage of any sign-up bonuses or introductory offers.

Final Talk on Cashback Credit Card for All Purchases

In a world where every penny counts, a Cashback Credit Card for All Purchases can be your secret weapon to save money on everyday purchases. By understanding how these cards work and considering key factors such as cashback categories, fees, and additional benefits, you can make an informed decision that aligns with your spending habits and financial goals.

Remember, the best Cashback Credit Card for All Purchases is one that complements your lifestyle and helps you earn while you spend. So go ahead, explore your options, and start maximizing your savings today!

FAQs

What is the Best Cashback Credit Card for All Purchases

A cashback credit card rewards you with a percentage of your spending as cashback rewards, helping you save money on your purchases.

How do I earn cashback rewards?

Simply use your cashback credit card for everyday purchases, and the card issuer will give you a portion of your spending back as cash rewards.

Are there specific spending categories for cashback?

Some cards offer higher cashback rates in certain categories like dining, groceries, or travel, while others provide a flat cashback rate on all purchases.

How can I redeem my cashback rewards?

You can usually redeem your cashback as a statement credit, direct deposit, or for gift cards and merchandise, depending on the card’s redemption options.

Is there an annual fee for cashback credit cards?

Many cashback cards have no annual fee, but some premium cards might have a fee. It’s important to weigh the benefits against the cost to see if it’s worthwhile for you.

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By Bikash
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Hello! I'm Bikash, a skilled Web Developer and Blogger with more than 5 years of experience in the digital marketing fields. My passion is Share my Own Experience by Blogging and creating unique, approachable websites that create a lasting impact. My love of both technology and creativity encourages me to keep up with the most recent developments and industry best practices.
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