Credit Cards with Cashback: Find the Ideal Option for Your Profile

If you live in the United States and are researching good credit card options, you are on the right track.

Choose the ideal job

One of the most accessible and advantageous alternatives in the American financial market are credit cards with cashback — which literally give you back part of what you spend.

Whether you're new to the credit system, someone with some experience, or an advanced user looking for more profitable strategies, this guide will help you understand everything you need to know to make the best choice — in a simple and straightforward way.

🔍 Why Are Cashback Cards So Popular?

• You get money back about what you spend
• He can use the amount to pay bills, transfer to the account or exchange for rewards
• Does not require difficult-to-understand miles or points programs
• Many cards have zero annuity, ideal for beginners
• Help build or strengthen your credit history

In other words: a good credit card is not just a means of payment — it can work in your favor.

📊 How Cashback Works

Most cashback cards in the US come in three main formats:

1. Fixed rate
   • You receive the same percentage (usually 1.5%) on all purchases
   • Ideal for those who want simplicity
2. Fixed categories
   • You receive higher amounts (like 3%) in categories like grocery, fuel or restaurants
   • And 1% on other purchases
3. Rotating categories
   • Cashback of up to 5% in categories that change every quarter, such as pharmacies, delivery, travel, etc.
   • There is usually a monthly or quarterly limit for maximum cashback.

Some cards also offer welcome bonus and programs that double the amount returned in the first year.

🌟 A Card for Every Type of Profile

Just like in the job market, cashback credit cards in the US are best suited when we choose based on our usage profile and level of experience:

🟢 Beginner – Never had a card or are just starting your credit history in the US
🔵 Intermediary – You already have one or two cards and want to increase your earnings
🟣 Advanced – Use multiple cards, track categories and want optimized strategies

Let’s understand each profile better to help you choose more confidently.

🟢 Beginner: Your First Card

If you are starting from scratch or have just arrived in the US, the ideal thing to do is to look for:

• Easier approval (score between 600 and 680)
• Cards with no annual fee
• Simple Cashback (1% to 1.5% on all purchases)
• Resources to safely track and build your credit

➡️ In the next content, you will see the Best Cards for Beginners and how to get approval even without a history.

🔵 Intermediate: Time to Optimize

If you already have some experience and want to make the most of your shopping, the intermediate profile is for you:

• Higher cashback in fixed categories (supermarket, gasoline, streaming, etc.)
• Welcome Bonus Programs
• Possibility of using two cards for different types of purchases
• Apps and resources to track earnings

➡️ The next content brings the Best Cards for Intermediate Users, with strategies to double your rewards.

🟣 Advanced: Strategy and Maximum Return

If you already have a good command of the credit system and want to go further, the advanced level is ideal:

• Premium cashback (3% to 6%) in multiple categories
• Strategies with 3 to 5 cards in rotation
• Use of apps, digital wallets and shopping portals with cashback
• Cards with annual fees justified by benefits and higher returns

➡️ We have complete content with the Best Cashback Strategies for Advanced Users, showing how to maximize profits without complications.

🧭 What You Will Learn In This Guide

1. How cashback works in practice
2. What criteria should you consider when choosing your card?
3. How to identify your profile and what type of card is best for it
4. Real examples of monthly and annual earnings
5. Tips to Avoid Common Credit Card Mistakes
6. How to apply and get approved without falling into traps

✅ Use the Card Intelligently

• Don't accumulate debts: interest cancels out the cashback benefit
• Keep your usage below 30% of the available limit
• Avoid ordering multiple cards at the same time
• Don't spend just to earn rewards
• Use simple apps or spreadsheets to track your earnings

📍 Where to Go Now?

Now that you understand how it all works, choose the right path based on your profile:

• 🟢 Beginner? Discover cards with easy approval and real cashback
• 🔵 Intermediate? Discover how to multiply your earnings with simple strategies
• 🟣 Advanced? Learn how to master the multi-card system

Each page will show you which cards are really worth it and how to get the most out of every purchase.

📈 Conclusion: Cashback is for those who know how to use it

Cashback credit cards are powerful tools when used strategically. They offer immediate return on expenses you would already have — and help build a strong financial history in the United States.

No matter what level you are at today, with the right card, you can:

• Save every month
• Improve your credit
• Accumulate rewards effortlessly
• And, most importantly, better control your financial life

Now it's up to you: choose your path and start earning back what you're already spending.

Written by Arthur Updated on May 26, 2025