How to Maximize Your Credit Card Cash Back (2024)

Table of Contents

  • What is a cash-back credit card?
  • What are the different types of cash-back credit cards?
  • What are the benefits of using a cash-back credit card?
  • How do I maximize my cash back?
  • How should I redeem my cash back?
  • The bottom line
  • FAQs

Article updated on Aug 22, 2023

The most important thing is to choose a credit card that matches how you spend naturally.

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Our Experts

How to Maximize Your Credit Card Cash Back (1)How to Maximize Your Credit Card Cash Back (2)

Written by

How to Maximize Your Credit Card Cash Back (3)

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

See full bio

Edited by

How to Maximize Your Credit Card Cash Back (4)

Courtney Johnston

Senior Editor

Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.

See full bio

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

Reviews ethics statement

Our Experts

How to Maximize Your Credit Card Cash Back (5)How to Maximize Your Credit Card Cash Back (6)

Written by

How to Maximize Your Credit Card Cash Back (7)

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

See full bio

Edited by

How to Maximize Your Credit Card Cash Back (8)

Courtney Johnston

Senior Editor

Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.

See full bio

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

Reviews ethics statement

Why You Can Trust CNET Money

Table of Contents

  • What is a cash-back credit card?
  • What are the different types of cash-back credit cards?
  • What are the benefits of using a cash-back credit card?
  • How do I maximize my cash back?
  • How should I redeem my cash back?
  • The bottom line
  • FAQs
How to Maximize Your Credit Card Cash Back (9)

How to Maximize Your Credit Card Cash Back (10)

Written by

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

Advertiser Disclosure

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

How to Maximize Your Credit Card Cash Back (2024)
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