Discover the ten best credit cards with cashback rewards of 2022!

A good cashback is highly appreciated among credit card users. After all, it’s not easy to see your hard-earned money go away, but it’s great to see some of it come back to you.

As more and more services have been offered online in the past few years, more people started using credit cards. It has also made popular the idea of cashback.

Today we have many options with the most diverse conditions. The Mad Capitalist presents 10 of these cards and their benefits for you to choose yours.

The following cards are some of the best credit cards with cashback rewards and have outstood in their categories. You’ll find the pros and cons of each, as well as fees and interest rates. They are not ranked, and the order of presentation does not imply a hierarchy among them.

This card looks too good to be true. Even though it has an annual fee, the benefits more than compensate what you pay for it. Blue Cash offers a 6% cashback reward in two popular categories: groceries and streaming services. New members receive welcome benefits: $0 annual fee for the first year and $300 credits after spending $3,000 in the first six months.

With a $0 annual fee and a $200 welcome bonus, this card is a great choice. Rewards range from 1% to 3% unlimited cashback. The offer of 0% intro APR in the first year favors the installment of large purchases.

Citi Custom Cash℠ Card has a $0 annual fee and offers a $200 welcome bonus like other cards in its category. The differential is in the bonus category that fits your lifestyle. There are ten categories in which you can receive 5% cashback per billing cycle for up to $500 on purchases. That means up to $300 in cashback per year.

Chase Freedom is a great option for travelers. You can earn up to 6.5% in the first year for buying travel-related purchases through the Chase Ultimate Rewards. This rewards program allows you to transfer points between Chase cards, so you can collect points to maximize rewards. On top of that, it has a $0 annual fee, and the cashback won’t expire as long as your account stays active.

If you’re facing a poor credit score, don’t worry. You can enjoy the cashback benefits with the Discover it® Secured Credit card. It is a credit card for people looking to build credit history or recover from financial hardship. In addition to the many credit recovery benefits, you will receive up to 2% cashback on multiple purchases, and as a welcome bonus, Discover It will double all the cashback you earned in the first year. All this for a $0 annual fee.

If you don’t have the patience for complicated rewards, this card is for you. Get 1.5% cashback on every purchase, no revolving categories or anything else. Just use it and earn cashback, unlimited and never expire, simple as that.

Another option with a $0 annual fee and 0% introductory APR, the Bank Of America® Customized will let you choose one bonus category to earn 5% cashback, and 2% on groceries and wholesale clubs, up to $2,500 every 3 months. The welcome bonus is a little bit more demanding, as you have to spend $1,000 in 3 months to earn the $200 online cash reward. Ok, these rewards can be a little confusing, but you got this.

The benefits and costs of the Wells Fargo Active Cash℠ card are similar to most cards on this list. The cashback has a flat rate of 2% in every purchase, which simplifies the utilization. It is not a good card for traveling abroad, for it charges a foreign transaction fee. However, it offers benefits in select hotels through the Visa Signature Concierge. Also, it has an attractive advantage: cellphone insurance coverage over damage or theft, up to $600. You need to pay your cellphone bill with the Wells Fargo Active Cash card to get this coverage.

SoFi wants you to invest your money. The rewards program is not flexible, but it can be positive if you need some incentive to invest your cashback instead of spending it. You get $100 if you open an investment account and 2% cashback if you redeem your points towards investing (even in crypto!) or saving it, which means 1 cent per point. If you choose to redeem your points as a statement credit, they’ll be worth only 0,5 cents per point. Plus, you’ll get MasterCard benefits, like cellphone insurance coverage, ID protection, and credits at Lyft.

To complete the list, we present an excellent option for small businesses, the Ink Business Cash credit card, a Chase card with a Visa signature. The welcome bonus is very generous, and you’ll get 5% cashback on office supplies, phone, and internet services, up to $25,000 purchased in one year. Just like every Chase card, your cashback has more value if you redeem them through Chase Ultimate Rewards. On top of these benefits, you’ll have fraud protection, which is prudent, especially on a business card.

And if you want to apply for one of these cards but think that you won’t be approved due to your current credit score, check out our following article to learn how to improve it!