The Penny Hoarder has partnered with CardRatings for our coverage of credit card products.

The Penny Hoarder and CardRatings may receive a commission from card issuers.

Want to earn money just by making everyday purchases?

Article image

Cash back rewards credit cards are a smart way to make your spending work for you.

Ongoing Rewards Rates

After the sign-up bonus period, focus on the cards ongoing rewards rates.

Annual Fees and APR

Some cards come with annual fees, while others dont.

Article image

Consider how much you expect to earn in cash back to determine if the fee is worth it.

Whether you prefer flat-rate rewards or higher earnings in specific categories, theres an option for everyone.

Enrollment is required for some benefits.

Article image

Explore the Capital One Savor Cash Rewards Credit Card

6.

This can give you peace of mind when buying expensive items.

Special Rewards Programs

Some cards provide additional rewards through special programs.

Flat-Rate vs. Tiered Rewards

Flat-rate cards, like theChase Freedom Unlimited, are simple and straightforward.

Youll earn the same rate on all purchases, which is great for consistent rewards.

Sign-Up Bonuses vs.

However, if you want a card that offers lasting value, focus on the ongoing rewards rate.

Consider how much you typically spend in bonus categories to calculate your long-term earnings.