Top 5 credit cards For Cash back

here are my top 5 picks for cash back credit cards:

1. Chase Freedom Unlimited: This card offers 1.5% cash back on all purchases, with no annual fee.
   • Citi Double Cash Card: With this card, you’ll earn 1% cash back on all purchases, and an additional 1% cash back when you pay off those purchases.
2. Discover it Cash Back: This card offers 5% cash back on rotating categories that change each quarter, and 1% cash back on all other purchases. Plus, at the end of your first year as a cardholder, Discover will match all the cash back you’ve earned.
3. Blue Cash Preferred Card from American Express: With this card, you’ll earn 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more and 1% cash back on other purchases. There is an annual fee of $95.
4. Capital One Quicksilver Cash Rewards Credit Card: This card offers a flat 1.5% cash back on all purchases, with no annual fee.

It’s worth noting that credit cards are not suitable for everyone and it’s always better to check the terms and conditions and fees associated before making a decision.

If you have Bad credit/trying to rebuild, or if you just don’t want the temptation of having more money you can spend than you actually have. I would look into a secured credit card.

A secured credit card is a type of credit card that requires a cash deposit as collateral. This deposit acts as a security for the credit card issuer, as it can be used to pay off any outstanding balances in the event that the cardholder defaults on their payments. Having a secured credit card can be beneficial for a number of reasons. Firstly, it allows individuals with little or no credit history to establish credit. Since the deposit acts as collateral, credit card issuers are more likely to approve individuals for a secured credit card, even if they have poor credit. Secondly, using a secured credit card responsibly can help individuals improve their credit score over time. As the cardholder makes on-time payments and keeps their balances low, the credit card issuer will report this positive activity to the credit bureaus, which can lead to an increase in the individual’s credit score. Additionally, having a secured credit card can also serve as a stepping stone to obtaining an unsecured credit card in the future.

It’s important to note that secured credit cards often come with high fees and interest rates, so it’s important to compare offers and select a card with a low annual fee and a reasonable interest rate. Also, it’s important to make sure the issuer reports to credit bureaus and to use the card responsibly by making payments on time and keeping the balance low.