 TITLE: What Is a Cash Back Credit Card? CONTENT: What Are the Different Types of Cash Back Cards?\n------------------------------------------------\nThere are several varieties of cash back credit cards, and which one is best for you depends on your spending behavior, credit scores and other factors. Here are the main types of cash back cards:\n*   **Flat rate card**: Some cash back cards offer a flat rewards rate, which means no matter how much you spend or what you buy, you will earn the same percent back—often 1%. Flat-rate cards don't give you a ton of earning potential, but are a no-brainer if you prefer to always know what you'll get.\n*   **Tiered card**: If you're hoping for a higher earning potential from your cash back program, consider a tiered card. With this type of rewards credit card, purchases earn a different rate of cash back depending on what you buy or where you buy it. For example, you might earn 3% cash back for every purchase on travel and restaurants, 2% on groceries and 1% on everything else. If you're a frequent traveler, or a frequent diner, it could be smart to get a card like this that gives you a higher rate of cash back for a category you're already spending a lot of money in.\n*   **Bonus category card**: Still other cash back rewards cards offer rotating bonus categories. With these cards, there's typically a low flat rate (such as 1%) for most purchases, but higher rates (usually 3% to 5%) for spending in bonus categories that may change every month or quarter. For example, you might get that higher cash back rate for every gas purchase one quarter, then the next quarter you'll get an additional bonus for spending at restaurants. These cards take a little more work since you have to stay on top of the changing offers, and some issuers require you to register for the bonus categories in order to get them. END