Cash back credit cards are simple, beginner-friendly, and reward you for everyday spending. Unlike points or miles, cash back is straightforward — spend, earn, and redeem.
Simple to understand
Helps beginners see tangible rewards
Can offset small purchases or monthly bills
Flat 1.5% cash back on all purchases
Reports to all three bureaus
Small annual fee
Earn 2% cash back on restaurants and gas
1% cash back on all other purchases
No annual fee
Simple cash back program
Beginner-friendly interface
Reports to all bureaus
Use the card for consistent monthly purchases
Track bonus categories
Pay in full to avoid interest
Combine with budgeting apps for efficiency
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