The 10 Best Cashback Credit Cards of 2022 for business and other needs.
Credit cards are a great way to earn cashback, but it can be hard to know which card is the best. We’ve searched for the top 10 credit cards in 2022 that offer cash back rewards, no annual fees, and give you the most bang for your buck.
It’s no secret that cashback credit cards can help you save money. You earn cashback rewards on every purchase, and these rewards can be redeemed as statement credits, gift cards, or checks
Cashback credit cards also offer advantages like purchase protection and extended warranties. With so many different cards to choose from, it’s hard to know which one is best for you. This article will highlight the ten best cashback credit cards of 2022 and why they make such great choices.
Why should you choose a cashback card?
Cashback cards can be a great way to earn rewards for your everyday purchases. And, with the right card, you can earn rewards for spending on things like groceries and gas that you were already going to buy with your card anyways.
For example, if you want cash back, then you should probably go with a cashback card. If you want to save money on travel, then you should go with a travel credit card.
Nowadays, there are so many different credit cards to choose from. It’s hard to know which one is best for you. Cashback cards offer many perks that can help you save money and accomplish your financial goals. They offer zero percent introductory APR offers, free credit score monitoring, and 24/7 customer service. Plus, if you’re ever late with a payment, the card issuer will waive any late fees.
A cashback card is an excellent option for those looking to save money and accrue credit card rewards. But, with so many cards to choose from, it can be hard to know which one is best for your needs. That’s why we’ve compiled a list of 10 of the best cashback credit cards of 2022. Check them out below!
The ten best cashback credit cards of 2022
1. Vanilla Reload Network
Vanilla Cash Rewards Card is one of the best options for people looking for a Cash Back program. This card offers up to 6% cash back on dining and entertainment purchases. This card also offers up to 2% cash back on gas and grocery purchases. This card can also provide some free money for you.
It is a debit card that Wells Fargo issues, and that comes with a rewards program. It has no annual fee, and its benefits include cashback, special financing, and frequent flyer miles. If you are new to the vanilla cashback card, you miss out on a great way to save money! The vanilla reload card is a reloadable prepaid card, like a gift card, but you can use it at most retail stores, online, and at ATMs.
The vanilla reload network card is accepted everywhere, and it can also be used online. Since it doesn’t have an annual fee, one would think that it wouldn’t be as rewarding as other cards, but this isn’t the case, and it offers many benefits and perks to its users.
2. Fidelity Rewards Visa Signature
Fidelity Rewards Visa Signature Card is an excellent card for customers with a good credit history and wants a rewards credit card with a cashback program. Fidelity Rewards Visa Signature lets you earn two rewards points for every $1 you spend.
Besides, you will be able to earn up to 10% cash back on select categories and 1% cashback on all other purchases. Whenever your cashback reward balance reaches $50, you can redeem it for a cash withdrawal, check or statement credit. It works like any other cashback card that you can redeem for travel, merchandise, gift cards, etc.
The only difference is that the rewards are automatically paid into your Fidelity brokerage account rather than delivered to your credit card.
3. PenFed Platinum Rewards American Express
This is an excellent card. An actual rewards credit card. The main benefit is that you can earn 2X points on all purchases with PenFed. That is excellent. However, the real benefit is the cashback feature. You can get money back in the form of a check sent to you monthly for every purchase you make using a credit card.
If you keep the charge balance of the card very low or even pay it off in full every month, you can make a lot of money with this card. If you use the card to make the very few purchases you make each month; you will make a lot of money.
If you use the card every month, you will make money. If you use the card responsibly, you will make money.
4. Citi Double Cash
The Citi Double Cash card is what you should be using if you have good to excellent credit. It’s the best cashback card currently available. It gives you 2% cashback on all purchases, which is an excellent deal, and the only reason it isn’t ranked #1 is its annual fee. But if you have good credit, that shouldn’t be a problem for you. Just remember that value cashback based on cents per point, not dollars per point.
Most people value cashback based on dollars per point, but that’s an incorrect way to think about it.
5. United MileagePlus Explorer Card
The card offers 1 mile per dollar spent. It also provides 10 percent miles back. It is the only card known where you get miles for making purchases and get miles back when you make purchases. Plus, they double the miles after the initial spend of $1000. That is a nice feature. The card has no annual fee and no foreign transaction fee. It is a great card that is sure to please!
Suppose you have a United MileagePlus Explorer Card. In that case, you have two chances a year to get a 50% rebate on a round-trip domestic flight, up to a maximum refund of $400. In other words, you can get an extra $400 towards a ticket of your choice. You will want to wait for one of your two annual reward cycles to start booking your flight.
6. USAA Preferred Cash Rewards American Express
The USAA Preferred Cash Rewards American Express card has some great features that will benefit cardholders. This card has some significant cash back percentages on purchases. The USAA Preferred Cash Rewards American Express card is a great card for anyone looking to make some on-the-spot savings.
The cashback reward rates on this card are excellent, especially if you spend a lot on groceries, gas, and at USAA. This is a fantastic reward credit card.
Simple to use, very rewarding, and the best part is the $0 annual fee! It is the perfect card for any member of USAA (or even if not). The 3% cashback on all purchases is excellent. The 1% cashback on all other purchases is fantastic. This is the same as the Discover More card. The other perks, like no foreign transaction fees, no rewards expiration, no limit on the number of rewards you can earn, and the 5% bonus for USAA members make this card even better.
7. Chase Freedom Unlimited
The Chase Freedom Unlimited credit card has unlimited 1.5% cash back on every purchase and a $150 bonus after spending $500 on purchases in your first three months from account opening. It also has a $25 bonus after adding an authorized user and making your first purchase within this same three-month period.
So if you are in the market for a new rewards credit card, this is one to consider. Chase Visa Signature cards are Visa Infinite cards. They come with a higher credit limit and a higher spending limit.
Chase Freedom card has a spending limit of $1500, while Chase Freedom Unlimited has a spending limit of $25000. In addition, they come with higher rewards. If you spend $500 a month on the card, you can get a cashback of $300 a year.
8. Capital One Quicksilver
Capital One Quicksilver cash back card is a reward credit card that gives you 1.5% cashback on every purchase. This card has a $39 annual fee, but if you spend $500 in the first three months, you will get $60 cashback. There is no signup bonus, but it has a 0% intro rate for 15 months. The Capital One Quicksilver cash back card offers the highest cashback of any no annual fee card at 1.5% cashback. You can get your cash back as a statement credit or direct deposit to your bank account.
This card is elementary to get, even if you have bad credit/no credit. The only catch is that the highest cashback is limited to $100 a quarter and $400 a year. If you spend $4,000 a month, you will net $95 a month in cash back. Not bad for a $39 annual fee that you can get waived the first year.
9. Citibank Simplicity
Citibank Simplicity cashback card is a credit card where cardholders will be rewarded 1.5% cashback on all purchases. This is an excellent deal for customers who pay off their card every month and the customers who love the simplicity and security of credit cards over debit. If customers use a credit card to buy something and pay off the bill each month, it’s like getting a free loan and earning interest for free. It’s an excellent benefit for those who spend more than $2000 a month. The best thing about this card is that you can earn a lot of cashback in a short period.
There is no signup bonus for this card, so customers should apply now because the offer will not be available for long.
10. Discover it Cash Back
Excellent card if you’re looking for a cashback credit card. You can get cashback on almost all of your purchases, and they mail you a check every quarter! You can pay this card off in 6 months without any interest charges. This card is a no-brainer for anyone interested in getting a new credit card focused on earning cashback.
The Discover it Cashback card is an excellent way for anyone interested in improving their credit score. Discover card is one of the best credit cards for applicants with no credit history. Discover’s cashback program, though it does have a few drawbacks, is still a great option for a person looking to earn a little extra money on their everyday spending.
The bottom line? Cashback credit cards can be a great way to earn rewards and save money. It’s worth considering what type of rewards you prefer and which card has the best benefits to suit your needs. There are many cashback credit cards on the market, but these ten will provide you with a great rewards program and the kind of benefits you’re looking for. Check out the list above to see if there’s a card that suits your needs!
No matter what your personal preferences, the ten best cashback credit cards of 2022 will give you plenty of options to choose from.