Top Credit Cards That Give You Rewards and Cash Back
Discover top credit cards that give rewards and cash back. Simple guide for beginners to choose cards that maximize savings and benefits.
Credit cards are not just for spending—they can help you earn rewards and cash back on everyday purchases. Using the right card wisely can save money, earn points, and provide extra benefits.
In this article, you will learn top credit cards that give rewards and cash back, explained in simple English for beginners.
Why Choose Reward or Cash Back Credit Cards
- Earn money on purchases
- Get points for travel, shopping, and dining
- Build credit history
- Enjoy extra benefits like discounts, offers, and insurance
Reward and cash back cards are helpful if used responsibly.
1. Chase Freedom Unlimited
Chase Freedom Unlimited is popular for beginners and frequent shoppers.
Features
- 1.5% unlimited cash back on all purchases
- 3% cash back on dining and drugstores
- No annual fee
- Introductory bonus for new users
Benefits
- Easy to use and understand
- Good for everyday spending
- Earn bonus cash back on categories
2. Citi Double Cash Card
Citi Double Cash is simple and effective for rewards.
Features
- 2% cash back on all purchases (1% when you buy + 1% when you pay)
- No category restrictions
- No annual fee
Benefits
- Simple cash back program
- High earning potential
- Ideal for beginners
3. Discover it Cash Back
Discover it Cash Back rotates categories every quarter.
Features
- 5% cash back on rotating categories (like groceries, gas, or restaurants)
- 1% cash back on all other purchases
- Cashback matched at end of first year for new cardholders
- No annual fee
Benefits
- Great for maximizing cash back in specific categories
- Beginner-friendly
- Automatic cashback match
4. American Express Blue Cash Preferred
Blue Cash Preferred is excellent for families and grocery shoppers.
Features
- 6% cash back on groceries (up to a limit)
- 3% cash back on gas and streaming services
- 1% cash back on other purchases
- Annual fee applies
Benefits
- High cash back on daily spending
- Extra benefits for family and entertainment expenses
- Ideal for frequent grocery shoppers
5. Capital One Quicksilver Cash Rewards
Quicksilver Cash Rewards is simple and no-fuss.
Features
- 1.5% unlimited cash back on every purchase
- No rotating categories
- No annual fee
- Bonus for new cardholders
Benefits
- Easy to manage
- Good for beginners
- Steady cash back on all spending
Tips to Maximize Rewards and Cash Back
- Use cards for planned purchases
- Pay full balance monthly to avoid interest
- Track reward categories and offers
- Combine rewards with other saving strategies
Common Mistakes to Avoid
- Spending more to earn rewards
- Paying only minimum balance
- Ignoring annual fees
- Not redeeming rewards on time
Using cards wisely ensures benefits without debt.
How Much Can You Earn?
- Beginners: $50–$200 per year depending on spending
- Active users: $500–$1,000+ per year with careful planning
Who Should Use Reward Credit Cards?
- Students and beginners building credit
- Working professionals
- Families with regular grocery and utility expenses
- Anyone who pays bills on time
Final Conclusion
Top credit cards like Chase Freedom Unlimited, Citi Double Cash, Discover it, Blue Cash Preferred, and Quicksilver Cash Rewards help you earn rewards and cash back while spending.
Use them responsibly, pay your balance in full, and watch your spending turn into savings and extra benefits.