Top Places to Get Cash Back on Purchases

A vibrant collage of credit cards, shopping bags, and dollar bills symbolizing cash back rewards.

Credit Cards with Cash Back Rewards

One of the most lucrative ways to earn cash back is through credit card rewards programs. Many cards offer cash back on purchases, with some providing higher percentages for specific categories.

  • Chase Freedom Unlimited: 1.5% cash back on all purchases
  • Citi Double Cash Card: 2% total cash back (1% when you buy, 1% when you pay)
  • American Express Blue Cash Preferred: 6% back at U.S. supermarkets (up to $6,000 per year), 3% at U.S. gas stations

For more information, visit Chase, Citi, and NerdWallet's guide to cash back credit cards.

Online Shopping Portals

Shopping portals provide an extra layer of cash back on purchases you're already making.

Top Portal Options

  1. Rakuten - Formerly Ebates, offers up to 40% cash back at over 2,500 stores
  2. TopCashback - Often has highest rates, up to 50% at over 3,500 stores
  3. BeFrugal - Offers up to 40% cash back at over 5,000 stores

Cash Back Apps

Mobile apps have revolutionized the cash back landscape:

Must-Have Apps

  • Ibotta: Offers cash back on groceries, clothing, and household items
  • Fetch Rewards: Earn points by scanning receipts
  • GetUpside: Cash back on gas purchases
  • Drop: Rewards on purchases at retailers like Starbucks and Uber

Visit Ibotta and Fetch Rewards to learn more.

Store Loyalty Programs

Many retailers offer free loyalty programs with valuable rewards:

"Loyalty programs are a win-win. Retailers get valuable customer data while shoppers earn rewards on necessary purchases." - Retail Industry Expert

Notable Programs

  • Target Circle: 1% back on all purchases
  • CVS ExtraCare: 2% back in ExtraBucks
  • Kohl's Yes2You Rewards: Points for every dollar spent
  • Walgreens myWalgreens: 1-5% back depending on tier

Visit Target Circle and Kohl's Rewards for more information.

Maximizing Your Earnings

Best Practices

  1. Stack multiple rewards programs whenever possible
  2. Compare rates across platforms
  3. Keep track of special promotions
  4. Pay attention to payment deadlines
  5. Read terms and conditions carefully

Payment Considerations

Payment TypeProsCons
Credit CardsHigher rewards, purchase protectionInterest if not paid in full
Debit CardsNo debt riskLower rewards
PayPalExtra protectionSome portals exclude PayPal

Special Timing

Many programs offer increased cash back during:

  • Holiday shopping seasons
  • End-of-quarter promotions
  • Special shopping events (Prime Day, Black Friday)

Remember to always spend within your means and avoid carrying balances just to earn rewards. The most effective cash back strategy combines multiple methods while maintaining responsible spending habits.