Everyday Flat-Rate
Earn a consistent percentage on all purchases, without tracking categories. Ideal for straightforward, predictable returns.
High-Multiplier Cashback
Maximize returns on specific categories like groceries and gas. Perfect for spenders who align with bonus categories.
Understanding Spend Caps and Tiers
Many high-reward cards apply annual spend caps to their bonus categories. Exceeding these limits means your cashback rate drops to the base rate, significantly impacting your overall annual payout. We break down these thresholds.
Tiered rewards offer different percentages for varying spend levels. For example, 4% on groceries up to $500, then 1% thereafter. Knowing these tiers is crucial for accurately projecting your annual cashback earnings.
Find Your Highest Payout Card
Stop guessing. Use our transparent calculations to discover the cashback card that truly rewards your unique monthly budget and spending habits.