Credit Cards, Shopping Portals and Apps.

Insider’s experts pick the best products to help you make smart money decisions.here’s how). In some cases we may receive a commission from our our partnersHowever, our opinions are not influenced by these offers. All offers on this page are subject to the following terms and conditions

• A rewards credit card can help to earn more cash back every time you shop by opening and using it.
• Apply for cards that offer generous bonus offers and pay attention to credit card bonuses categories.
• Rakuten is a shopping portal that can be very useful if you do most of your shopping online. It’s very easy to use. You just need to click through before making a purchase.
• Read Insider’s guide to the best cash-back credit cards.

You can earn more cash back on your purchases if you know the tricks and tips that will help you do this. There are many ways you can earn cash back on regular purchases or monthly bills. And not all of them require you to have a credit card.

Having a cash-back credit cardMany rewards allow you to “double-dip”, and you may also be eligible to receive welcome bonus offers and scorecardholder perks. In fact, stacking credit card rewards with online dealsThis is one of the best ways you can save money on your shopping. You can also enjoy the benefits of spending more. holiday shopping this year to earn a card’s welcome bonus. 

These are the top ways to make more money this year.

We’re focusing here on the benefits and perks that come along with each card. If you have to pay interest or late fees, these cards will not be worth the cost. It is important to pay your credit card in full each month, make timely payments, and only spend what you are able to afford.

1. Get a credit card offer as a welcome offer

Opening a business is one of the best ways to make money back. credit card with a generous welcome offer. You can earn up to a few hundred dollars just by meeting a minimum spending requirement. The “bonus” is in addition to the cash back you get for every dollar you spend on many cash-back credit card.

Take the Chase Freedom Flex℠Credit card, for instance. You will receive $200 in a welcome bonus after spending $500 on purchases within the first three month of account opening. In addition, you will earn 5% cashback for purchases of up to $1500 rotating quarterly bonus categories5% cashback on activation (then 1%) travel purchased through Chase Ultimate Rewards3% off your purchase of drugs and food at restaurants. 1% off everything else.

Another example is the Blue Cash Everyday® Card from American Express. There’s no annual feeIt offers a $100 statement credit as a welcome bonus after you spend $2,000 on your card within the first 6 month. You can also earn up to $150 back by earning a 20% statement credit for purchases made with PayPal within the first 6 month.

You also get 3% cash back on the first $6,000 that you spend in U.S. supermarkets each fiscal year (then 1%) and 3% back from U.S. gas stations for the first $6,000 that you spend each fiscal year (then 1%) and 3% back to U.S. online retailersOn the first $6,000 spent each calendar year (then, 1%), and on any other purchases (cashback is received in the shape of Reward Dollars that may be redeemed for statement credits).

2. Maximize the earning categories of the cards you own

You should make sure that you are maxing out cash-back cards with more points in specific categories. This includes cards that offer reward points. quarterly bonus categories like the Chase Freedom Flex℠ credit card and the Discover it® Cash BackFrom October 1 through December 31, 2022, you will earn 5% cashback at Amazon.com and digital wallets on purchases up to $1,500 after enrollment. After that, 1%. It also means that you can maximize rewards on cards that offer cash back in fixed categories such as diningOr groceries.

Sign up for the online shopping portalLike RakutenYou can earn cash rewards for every dollar that you spend through this portal, regardless how much you pay.

Rakuten allows you to earn a bonus for signing up. There are many stores that offer cash back, including Macys.com, Overstock.com and PetSmart.com. Rakuten’s earning rates and participating stores change frequently, so it’s worth checking with Rakuten before making a purchase online.

Other similar cash back portals are also worth looking into: TopCashback, Swagbucks, Ibotta. Ibotta is especially popular because it offers an app that allows you to earn cashback whether you shop online or in brick-and mortar stores.

4. Register your credit card and get cash back

You may be eligible for cash back if you register your credit cards. DoshThis is a great option in this space. Drop.

Sign up with either app to get a free account. You can also connect your cards. You’ll automatically earn cash in your rewards account when you use a linked credit card to shop at participating stores. You may also be eligible to receive additional bonus rewards by registering for our app.

Once you have earned at least $25, Dosh allows you to transfer your rewards to your bank, Paypal or Venmo. Drop also offers redemptions starting at $25. You can redeem your rewards at places such as Amazon.com, Starbucks and Netflix.

5. You can pay everything with your credit card

One final way to maximize cash back is to make certain you pay for everything with a cash-back card. This includes daily expenses such as groceries and gas. However, you should also consider monthly expenses such as rent, utilities, and insurance. You may be able to pay tuition for college or daycare with your credit card. This is something that’s worth looking into.

A credit card that earns a flat reward rate on all purchases is the best choice if you don’t want any bonus categories. For example, the Wells Fargo Active Cash® CardYou will earn 2% cash back on all purchases. In addition, you get a $200 welcome bonus bonus for spending $1,000 within the first 3 months of account opening.

There are also the Citi® Double Cash CardYou earn 1 point per $1 (worth 1% cashback) when you make a purchase, and 1 point per $1 (worth 1% cashback) when it’s paid off. It doesn’t offer any type of welcome bonus for new cardholders at the moment. 

Cash-back cards can earn you more cash than regular credit cards. However, you should never charge more than you can afford to your credit card. The key to success is using rewards credit cards responsiblyIt is important to treat them as debit cards. Don’t use them as an excuse for overspending.