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Many cash back cards give you the best of both worlds. You can earn points that can be used as cash back, or converted to other transferrable points currencies if you also have a more “premium” card issued by that bank. For example, you can convert cash back earned with the Chase Freedom cards to Ultimate Rewards points if you have a Chase Sapphire Preferred or Reserve, or convert the cash back from the Citi Double Cash to Citi ThankYou points with the Citi ThankYou Premier or Prestige. No matter what your cash back goals are, there’s bound to be a card for you.
Here are the best cash back credit card offers available today: