If you're looking for the Reddit thread called the “best credit cards reddit” – it's no longer there. For some reason that thread was deleted by the person who originally posted it.
But we have listed some of the best rewards credit cards that offer cash back on everyday purchases and up to 10% cash back on purchases made in specific categories.
Cash back credit cards are great for people who shop frequently because they make it easy to rack up rewards.
Best perks: The Owner’s Rewards Card by M1 is a good option for people that want to earn 10%, 5% or 2.5% cash back on purchases with eligible brands and 1.5% standard cash back on everything else.
Annual Percentage Rates (APRs)
14.99% – 24.99% variable
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Annual Fee
$0 intro annual fee for the first year, with a $95 annual fee after that.
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Rewards Rate
1.5% standard cash back on everyday purchases and up to 10% cash back with the companies you invest in via your M1 portfolio.
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Bonus Offer
None
Best perks: The Upgrade Triple Cash Card is a good option for people that want to earn up to 3% unlimited cash back on payments for purchases in Home, Auto, and Health categories; plus the option to earn a $200 bonus.
Annual Percentage Rates (APRs)
8.99% – 29.99%
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Annual Fee
$0
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Rewards Rate
1% to 3% Cash Back
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Bonus Offer
Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Best perks: The Upgrade Bitcoin Rewards Visa® Credit Card is a good option for people that want to earn unlimited 1.5% back in bitcoin rewards when you make payments on your purchases plus have the option to earn a $200 bonus.
Annual Percentage Rates (APRs)
8.99% – 29.99%
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Annual Fee
$0
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Rewards Rate
1.5% Back in Bitcoin Rewards
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Bonus Offer
Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Best perks: The Upgrade Card is a good option for people that want to earn 1.5% unlimited cash back on card purchases plus have the option to earn a $200 bonus.
Annual Percentage Rates (APRs)
8.99% – 29.99%
→
Annual Fee
$0
→
Rewards Rate
1.5% Cash Back
→
Bonus Offer
Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
What Are Rewards Credit Cards For?
Rewards credit cards are designed to help consumers save money by rewarding them with cash back when they make purchases at certain retailers. These cards usually come with an annual fee, so it's important to weigh the pros and cons before signing up.
Why Should You Choose One Card Over Another?
Rewards credit cards offer several benefits over other forms of payment.
- First, they reward customers for making purchases at participating stores
- Second, they often provide more value than traditional debit or credit cards because they give back cash instead of just charging interest.
- Third, they allow people to earn points toward free travel or merchandise.
- Fourth, they're easier to use than paper coupons.
- Fifth, they can be used anywhere, not just at participating stores.
- Finally, they can be helpful for those who struggle with budgeting.
Which Rewards Credit Card Is Best For Me?
There are two main types of rewards credit card: cash back and point earning. Cash back cards typically pay out 1% to 3% of every purchase made at participating stores. Point earning cards usually require customers to spend money at participating stores before they start earning points.
Both types of cards can be helpful for different situations. If you plan on using them regularly, then a cash back card might make sense. However, if you only need a few dollars here and there, then a point earning card might be better.
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Disclaimer: Our goal is to provide the most relevant and current information. However, the information is for informational purposes only and is not intended to be personal financial advice.
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