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 2022


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

Best 5% cash back credit cards in 2022

  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 $750 within the first 3 months
  No annual fee

Apply Now



 2. PenFed Platinum Rewards Visa Card for gas

Best 5% cash back credit cards in 2022

  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 welcome bonus after spending $1,500 within the first 90 days
  No annual fee

Apply Now




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

Best 5% cash back credit cards in 2022

  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 within the first 120 days
  No annual fee

Apply Now



 4. 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
Target RedCard  5% on Target 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

Best 5% cash back credit cards in 2022

  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 in 2022.

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%
Amazon.com, Lowe's,
Target, Walmart
and other stores
4. Store Credit Cards 5%
Other Citi Double Cash Card 2%