7 Best Credit Cards with the Most Rewarding Cash Back Programs

One of the nicest perks of having an excellent credit rating and history is that you can reap all
the benefits of cash back programs for credit card holders. While these vary greatly depending
on the issuer and the type of credit card, one thing they have in common is that they provide a
handy opportunity to choose a credit card that rewards both your financial goals and spending
habits.

If you’re trying to figure out what kind of cash back rewards is going to benefit you the most,
look no further. We’ve put together this helpful list to get you started.

1. Chase Freedom Unlimited®

Chase Freedom Unlimited lives up to its name and offers unlimited and straightforward cash
back rewards. Cardholders get 1.5% on literally any purchase, from groceries to travel and
anything in between. As a signup bonus, cardholders get 3% cash back on all of their purchases
during the first year. No annual fees apply to this program.

2. ExxonMobil Rewards Plus card

To join ExxonMobil cash back program, holders of New Exxon Mobil Rewards can register their
cards online at exxonmobilrewardsplus com. The gas reward program is quite diverse
offering the following perks:
● earn points when purchasing gas, drinks or snacks. 100 points make $1;
● get 3 points on every gallon of gas bought;
● get 2 points on every $1 you spent in convenience stores.

3. U.S. Bank Cash+™ Visa Signature® Card

A more complex and diverse cash back card, the U.S. Bank Cash + Visa Signature Card offers a
three-level program. Cardholders can get 5% on all purchases made in two categories which are
subject to change every quarter. Opting in for an additional category will earn you another 2%.
Finally, you can earn another 1% on anything else. As a signup bonus, you’ll get $150 on a $500
purchase within the first three months.

4. HSBC Cash Rewards Mastercard® credit card

HSBC rewards its cardholders with a simple and lucrative cash rewards program, allowing to
earn 1.5% on every $1 spent, with no rotating categories or limitations applied. Besides, HSBC
has a very nice end-of-the-year perk appreciating your loyalty: you will earn a 10% bonus on all
cash backs you had during the year. As well as that, you’ll get a $150 bonus on a $2,500
purchase made within the three months upon signing up.

5. Ink Business Cash℠ Credit Card

Ink Business Card offers nice tangible rewards – as much as 5% – for spending on popular
categories such as phone and cable services, office supplies and internet. As a signup bonus,
you’ll earn $500 on a $3,000 purchase bough within the three months after you signed up.

6. Capital One® Savor® Cash Rewards Credit Card

Wouldn’t it be nice if we were rewarded for taking all that effort to cook at home? Well, that’s
what Capital One does with its handy cash back program which rewards its cardholders with a
2% cash back on all of your grocery purchases and 4% on your dining purchases. If you’ve made
a $3,000 purchase in the three months upon signing up, you’ll earn a $500 bonus. No annual
fees apply for the first year; after that, it’s $95.

7. American Express Cash Magnet™ Card

Yet another straightforward and effective cash back program, American Express Cash Magnet
gives you 1.5% on all purchases. This is a solid choice if you do not prefer any specific
categories and spend a lot on various everyday needs. A welcome bonus for new cardholders
features a $150 on a $1,000 purchase made within the first three months. No annual fees
applied, although there is a foreign transaction fee of 2.7%.

You can then use your points to save on fuel, car washes and purchases in convenience stores.