Flat-rate cards are ideal for those who value simplicity, while tiered cards can earn you more rewards if your spending aligns with the higher-rate fixed categories. Rotating category cards can yield the highest amount of cash back, but are typically more complicated to manage, since they require you to manually check and activate your chosen spending categories.A higher cash back percentage on select categories that change periodically (e.g. 5% cash back on groceries and dining in Q2, then 5% on travel and ...

Cards that offer cash back can be good boosts to your finances, particularly if you’re using them to buy things you would purchase anyway. You could think of it as a nice bonus. “The biggest money-saving secret isn’t necessarily all about finding new tricks but instead looking at what rewards cards you have and making sure your spending behaviors align,” said MB Bell, a senior advisor at Valuedynamx who has worked in the loyalty and rewards industry for 25 years. “Don’t be afraid to ditch any cards that d ...