Best Cash Back Credit Card in 2022 (5%)

Maybe the best thing you can do for your personal finances is to make sure you have a good cash back credit card. Cash back is the most flexible of all credit card rewards. Instead of points that you have to figure out how to redeem — and that you might not be able to redeem for something you want — you get real dollars and cents you can use for, well, anything. Typically cash back credit cards will give you 1% cash back. The Citi Double Cash Back gives you 2%. But I have found a credit card that has an introductory offer of 5% cash back on all purchases. No limits, no restrictions, all purchases. This is the best cash back credit card I have ever seen.

The card is called the Citizens Cash Back Plus World Mastercard. Earn 5% cash back on up to $6,000 spent on purchases within the first year. Plus, you’ll earn unlimited 1.8% cash back on everything thereafter. No annual or foreign transaction fees. So if you spend $10,000 on your card, you’ll get $500 back.

Maybe the best thing you can do for your personal finances is to make sure you have a good cash back credit card. Cash back is the most flexible of all credit card rewards. Instead of points that you have to figure out how to redeem — and that you might not be able to…