Forbes Advisor can be helpful in helping you select a credit card best suited to your spending habits, but ultimately the decision rests with you and is made only after doing the math and taking into account other card features when selecting one. When selecting a cash back card it is essential to understand any annual fees charged as well as benefits such as protection against certain fraud and identity theft as well as how your rewards will be redeemed — such as statement credits, checks deposited into savings/investment accounts or discounted travel packages etc.
Credit card points can be valuable rewards, but their purchasing power erodes over time as your balance accumulates. Conversely, cash-back rewards tend to be more predictable and easier for people to use – hence why so many opt for cards with cash-back features in everyday life.