While the introductory period deals are exact matches, the standard
cash back rates differ considerably.
Not exact matches
This flat -
rate arrangement
differs from most
cash back credit cards, which are typically more rewarding at certain merchants than at others.
Cardholders stretching their rewards via travel redemption tactics and those optimizing
cash back across many niche cards and bonus spending categories may find our
ratings differ from others for the same credit card offers.
There are two main kinds: those with constant
cash -
back rates, usually between 1 percent and 2 percent on all purchases; and those with
differing rates depending on the type of purchase.
While these cards have many similarities — including $ 0 annual fees,
cash back on every purchase, $ 200 sign - up bonuses and rewards that never expire — they do
differ on spend thresholds required to receive the sign - up bonuses, as well as rewards
rates.
Cash back credit cards offer
differing rewards
rates based on spending habits: Some are optimal for spending in specific categories, while others are optimal for everyday expenses.
Tiered -
rate credit cards: The next step in
cash -
back credit cards are tiered - reward cards that offer
differing percentages of
cash back depending on where you make your purchase.