Cash Rewards Credit Card
Cash rewards credit cards offer a straightforward way to earn cash back on your purchases, making them ideal for everyday spending. These cards reward you with a percentage of your spending in cash, which can be redeemed as a statement credit, direct deposit into a bank account, or sometimes as a check. Rewards are typically redeemable at any time without rotating categories or spending limits, providing flexibility in how you use your cash back.
Flat-Rate Rewards: Cards like the First Citizens Cash Rewards Credit Card offer a consistent rate, such as 1.5% cash back on every purchase.
Tiered Rewards: Some cards offer higher rewards rates based on spending thresholds or categories, such as the Key Cashback credit card.
Bonus Rewards: Many cards offer welcome bonuses or special promotions for new cardholders, such as earning a cash bonus after meeting a spending requirement within a set timeframe.
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