Other rewards cards that don't earn cash back either provide points or miles.

The points vary in value based on how you choose to use them. For instance, the Chase Freedom® and Chase Freedom Unlimited® are marketed as earning cash back, but rewards are provided as Chase Ultimate Rewards® points. However, some cash-back cards actually accrue points that can be converted into a dollar value. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24 (see rates and fees). The majority of cash-back cards let you earn a certain percentage of cash based on your spending, such as the Citi Double Cash® Card, which provides 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. The type of rewards you earn depends on the card you have. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs BondsĬredit cards generally offer one of three reward structures: cash back, points or miles. Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief

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Loyalty program explained