But unlike 2% flat cash back cards that offer rewards on every purchase or cash back cards with 3% rewards in standard bonus categories, 5% cash back cards can require a bit more strategy to maximize. A cash back rate that high is often found on cards with rotating bonus categories, strict maximum spending thresholds, or cards associated with a single retailer.
Still, 5% cash back cards can offer great savings on your regular spending. When it comes to choosing a cash back card, the most important thing is to look for a card with bonus categories where you spend most, which can help you earn money back on purchases already in your budget.
Cash back cards with 5% rewards are a great option to do just that. Here are the best credit cards available today you can use to earn 5% (or more) on everyday purchases, and some tips for maximizing your cash back.
