![]() Make sure you’re picking the right card and taking advantage of spending categories when you can. The bottom lineĮarning more cash back with a credit card isn’t difficult, but you need to be intentional. Bonus rewards limits, expiration dates, and other fine print details can apply. Just remember that you often have to add offers to your account ahead of time to qualify. Programs include Amex Offers, Chase Offers, and Capital One Offers. These offers may include limited-time cash back bonuses, discounts, or exclusive deals. Keep an eye out for special offers or promotions offered by your credit card issuer. Most shopping portals are free, so there’s no reason not to use them if you’re shopping online. The best example is the Chase Ultimate Rewards shopping portal, which lets cardholders with Chase cards like the Chase Freedom Unlimited® and Chase Freedom Flex earn more cash back when they use the portal to shop at participating stores. You can earn additional cash back or enjoy exclusive discounts while you shop. Some credit card issuers have a shopping portal of their own, offering bonus rewards when you buy through their website.Ĭheck if your credit card issuer has a shopping portal and use it when shopping online. Before shopping online, check if the retailer is affiliated with the cash back app. The rewards you earn are often separate from your card’s cash back rewards, but you can still use them to offset shopping costs. The best cash back apps include Rakuten, Ibotta, Dosh, and Capital One Shopping.Ĭreating an account is often free, and you’ll earn additional cash back while you shop. These apps partner with specific retailers to offer extra cash back on top of what your card offers. To supercharge your cash back earnings, utilize a cash back app. Plus, you’ll get 1% cash back on all other purchases. The SavorOne card offers 3% cash back on dining out, entertainment, popular streaming services, and grocery purchases. The Quicksilver Cash offers unlimited 1.5% cash back on every purchase and 5% on hotels and rental cars booked through Capital One’s online travel portal. Take the Capital One Quicksilver Cash Rewards Credit Card and Capital One SavorOne Rewards Credit Card. You could also pair a flat-rate cash back card with a rotating bonus category card. You can use different cards for specific categories to earn the highest cash back percentages.įor example, if one card offers higher rewards on groceries and another on gas, use the appropriate card for each purchase. Pair different cash back credit cards togetherĬonsider using multiple cash back credit cards to maximize your rewards potential. Ensure you pay attention to the bonus categories and take advantage of them. Some cards, like the Chase Freedom Flex℠, will rotate their bonus categories each quarter. ![]() ![]() Try to adjust your spending accordingly to earn more rewards.įor example, if your card offers a higher cash back rate on dining, use it to pay for restaurant meals or when ordering takeout. Some cards may offer bonus rewards on dining, drugstore purchases, travel, groceries, and more. If your cash back credit card offers more rewards in specific categories, you’ll want to ensure you use it for the right purchases. Here are some of the best cash-back welcome bonuses available today. ![]() Mark your calendar to know exactly when you need to meet the minimum spending amount and track your purchases to make sure you meet the threshold. Just be careful you’re not overspending to earn the bonus. By meeting the spending requirements, you can earn a large amount of cash back right from the start. Take advantage of these offers by putting your regular expenses on your new card during the introductory period. Most cash back credit cards offer a welcome bonus if you spend a certain amount within the first few months of opening the card. For example, if you spend a lot at the grocery store, consider a card offering elevated cash back in that category. Spend time comparing cash back cards based on how they structure their rewards. The Citi Custom Cash® Card, on the other hand, offers 5% cash back in your top spending category each billing cycle (up to $500, then 1%) and 1% cash back on all other purchases. Whether it’s groceries, dining, or travel, choose a card that rewards you for your most frequent purchases.įor example, some cash back cards earn a flat rewards rate, while others offer boosted rewards in specific categories.įor example, the Wells Fargo Active Cash® Card offers 2% cash rewards on purchases. Start by selecting a credit card that aligns with your spending habits.
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