Top 2018 Cashback Credit Cards You Should Consider

Top Cashback Credit Cards to Consider in 2018

Choosing the right cashback credit card can provide substantial rewards when managed wisely. These cards allow users to earn benefits effortlessly, making them highly valuable. Some cards offer straightforward flat-rate cash back on all purchases, while others provide bonuses based on where transactions take place. With numerous options available, selecting the optimal card can seem overwhelming.

From one-time rewards to semi-annual bonuses, many factors influence the best choice, including ease of use, overall returns, annual fees, extra perks, and potential limitations. Here are some top-rated cashback cards for 2018 that can enhance your financial lifestyle.

Evaluating rewards like sign-up bonuses, ongoing cashback rates, and additional benefits can be confusing. To help, here are some standout options that offer reliable rewards without complicating your finances.

Chase Freedom Unlimited®

The Chase Freedom Unlimited® is a prominent choice in 2018, featuring a competitive rewards structure. It stands out by offering a flat 1.5% cashback on all purchases, surpassing many competitors. Rewards can be redeemed via Chase Ultimate Rewards® for merchandise, travel, cash, or statement credits. There’s no annual fee, and new users get a $150 bonus after spending $500 within three months. Cashback rewards remain valid indefinitely as long as the account stays open.

Discover it®

Discover it® is a trusted card offering double cashback after 12 months, doubling all earned rewards. While it lacks a sign-up bonus, the major perk doubles cashback earned over the year. Redeem rewards through bank deposits, checks, Amazon purchases, or statement credits. Its "Freeze It" feature enables users to block or control transactions instantly for security or convenience.

Citi® Double Cash Card

This straightforward cashback card provides 1% cashback on purchases and another 1% when payments are made, totaling up to 2%. Rewards accumulate until reaching $25 before withdrawal. While it lacks a sign-up bonus, it's easy to earn rewarding cashbacks. However, foreign transactions incur a 3% fee, which is worth considering for international use.

Despite the benefits, all cashback cards have limitations. Carefully read the terms, understand earning categories, and consider strategies such as stacking rewards or seeking retention offers to maximize benefits.