Cashback cards put money back on your statement when you spend on groceries, dining, bill pay or partner merchants. Look for category caps, monthly ceilings and whether accelerated rates apply only on specific websites or wallets. Annual fees are often easy to waive if you clear a modest spend threshold — compare that waiver to the cashback you expect in a year. CardChat pulls live fee and reward data so you can ask how a card behaves on the categories you actually use.
