{"id":9766,"date":"2024-10-23T22:36:10","date_gmt":"2024-10-23T22:36:10","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/comparing-flat-rate-and-bonus-category-cash-back-credit-cards\/"},"modified":"2024-10-23T22:36:10","modified_gmt":"2024-10-23T22:36:10","slug":"comparing-flat-rate-and-bonus-category-cash-back-credit-cards","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/comparing-flat-rate-and-bonus-category-cash-back-credit-cards\/","title":{"rendered":"Comparing flat-rate and bonus-category cash-back credit cards"},"content":{"rendered":"

<\/p>\n

\n

Cash-back credit cards can be great. You know exactly what you’re getting in return every time you swipe your credit card: an almost <\/em>instant bonus for your purchase and no need to worry about the valuation down the road (as you would with many travel rewards credit cards<\/a>).<\/p>\n

But even though cash-back credit cards are supposed to be the simpler option, there’s still some complexity.<\/p>\n

This stems from the fact that cash-back credit cards tend to offer two different types of earnings \u2014 some earn a flat rate on every single purchase made, while others offer variable returns based on the category of the purchase.<\/p>\n

There isn’t one type that’s universally better than the other, but instead, your spending habits \u2014 and potentially your personality \u2014 will dictate which one works best for you.<\/p>\n

\n