Cards that pay you back in cash, not points you have to figure out. We always show the monthly cap alongside the rate, because a capped 5% usually works out to much less for most people.
It depends on where you spend. Many cards cap their top rate at a monthly limit, so the headline percentage rarely tells the whole story. Use the 60-second quiz to match a card to your actual spend and see the real estimated cashback per year.
Cashback is simpler and always worth face value. Points and miles can be worth more if you redeem them well (especially airline miles for premium flights), but they take effort and can lose value. If you want zero hassle, cashback wins.
