Cash back credit cards are a popular type of rewards credit card that offer cardholders a percentage of their spending back in cash. This can be a great way to save money on everyday purchases, and there are many different cash back credit cards available to choose from.

Here are some of the things to consider when looking for a cash back credit card:

  • Ability to maximize cash back on your spending. This is the most obvious benefit of using a cash back credit card. Depending on the card you choose, you can earn anywhere from 1% to 6% cash back on your purchases.
  • Look for cash back credit cards that allow you the flexibility to choose your credit card categories, like the U.S. Bank Cash+® Visa Signature® credit card.
  • If your spend habits typically involve major retailers you will want to look for a cash back credit card that helps you maximize spending in retail, like the U.S. Bank Shopper Cash Rewards® Visa Signature® credit card.
  • Some cash back credit cards offer sign-up bonuses. This means that you can earn a lump sum of cash back just for opening the card and using it for a certain amount of spending.
  • Cash back can be redeemed for a variety of cash back rewards such as deposits to your checking or savings account, statement credits and rewards cards.
  • Using a credit card responsibly and paying your bills on time can help you improve your credit score.

Here are some things to factor in when looking to find the best cash back credit card for you:

  • Consider your spending habits. Where do you spend the most? Look for a card that offers high cash back rewards on those categories or at those merchants.
  • Some cash back credit cards have annual fees but may offer the ability to earn a higher amount of cash back.
  • Read the fine print. Make sure you understand the terms and conditions of the card before you sign up. This includes things like the cash back rewards structure, the annual fee, and the late payment fees.
  • Using a cash back credit card can be a great way to save money and build your credit history. By following these tips, you can find the right card for you and start earning cash back on your everyday purchases.

U.S. Bank offers a selection of cash back credit cards

U.S. Bank Cash+® Visa Signature® Card

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U.S. Bank Shopper Cash Rewards® Visa Signature® Card

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Disclosures

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or Mastercard International Incorporated or American Express, and the card is available to United States residents only. Mastercard is a registered trademark, and the circles design is trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

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