Saving Tips

Here is some information that can help you save money, not only for your home upgrades, but also for your everyday use.

Best 5% Cash Back Credit Cards in 2024

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We prefer cash back credit cards on fixed categories instead of rotating categories so that we don’t have to keep track of the category every quarter.

 1. Citi Custom Cash℠ Card for a category of your choice

	5% on your top eligible spending category up to $500 each billing cycle
	5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment
	$200 welcome bonus after spending $1,500 in the first 6 months
	No annual fee

Apply Now

 2. PenFed Platinum Rewards Visa Card for gas

	5% on gas paid at the pump (unlimited)
	3% at the supermarket including most Target and Walmart locations, restaurants, and TV, radio, cable, streaming services
	$150 worth welcome bonus points after spending $1,500 in the first 90 days
	No annual fee

Apply Now

 3. U.S. Bank Cash+® Visa Signature® Card for two categories of your choice

	5% on two of the eligible categories up to $2,000 in combined purchases per quarter
	5% eligible categories: TV, Internet and streaming services; home utilities; ground transportation; select clothing stores; cell phone providers; electronics stores; gyms and fitness centers; fast food; sporting goods stores; department stores; furniture stores; movie theaters
	$200 welcome bonus after spending $1,000 in the first 120 days
	No annual fee

Apply Now

 4. Target RedCard

	Save 5% upfront at Target stores and Target.com
	Save 5% upfront on specialty gift cards that you can buy for yourself at Target
	Available gift cards: Home Depot, Lowe's, Apple, Disney, AMC, Starbucks, Groupon, various restaurants and more
	Free 2-day shipping at Target.com
	Get an additional 30 days for returns and exchanges at Target
	No annual fee

Apply Now

 5. Store Credit Cards

Amazon Prime Rewards Visa Signature Card	5% on Amazon.com and Whole Foods Market purchases with Amazon Prime subscription (3% without subscription)
Lowe's Advantage Card	5% on Lowe's purchases
Capital One® Walmart Rewards® Card	5% on Walmart.com and Walmart app purchases (2% on in-store purchases)
My Best Buy® Credit Card	5% at Best Buy

For all other categories, Citi Double Cash Card works great because you will get 2% on everything. There are absolutely no caps and no category restrictions.

 Citi Double Cash Card for everything else

	2% on everything (unlimited)
	No bonus offer
	No annual fee

Apply Now

Here is an example of how you can utilize the best cash back credit cards.

Categories	Credit Cards	Cash Back %
Restaurant	1. Citi Custom Cash℠ Card	5%
Gas	2. PenFed Platinum Rewards Visa Card	5%
Supermarket	2. PenFed Platinum Rewards Visa Card	3%
TV, Radio, Cable and Streaming Services	2. PenFed Platinum Rewards Visa Card	3%
Home Utilities and Cell Phone Providers	3. U.S. Bank Cash+® Visa Signature® Card	5%
Target Purchases, Various Gift Cards	4. Target RedCard	5%
Amazon.com, Lowe's, Walmart and other stores	5. Store Credit Cards	5%
Other	Citi Double Cash Card	2%

Other Saving Tips

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