Cash back cards that offer a great rebate help make it worthwhile to charge all of your purchase when possible. To get the most benefits, you must spend up to the spending limit cap. You can always redeem the cash back in the form of the statement credit, or travel vouchers. The following are the top 3 cash back credit cards that features the highest percentage of cash back rate.

1. Discover it Cashback Match
Discover it Cashback Match rewards you with a 5% cash back when you buy things from the rotating bonus categories. You can visit the Discover site to check out the latest categories in each quarter. The 5% cash back applies up to the maximum spending amount of $1,500. If you spend up to this amount, you can save up to $75 every quarter.

If you are a new cardholder, they will match your cash back at year end. This means you can earn double cash back if you promptly make the monthly repayment. The Discover Deals program allows you to receive 5% -20% cash back when you shop at the Discover Deals portal. Many of the retailers in the Discover Deals are not included in the bonus rotating categories and you can best get discount from them during the holiday season.

2. Chase Freedom
Chase Freedom provides 5% cash back on bonus categories such as gas, grocery, restaurant, movie, and holiday shopping. The 5% cash back applies up to the maximum spending limit of $1,500 per quarter. Other purchases will automatically credit back 1% to your account. There is no spending limit cap on the 1% cash back. You don’t have to meet any minimum requirement when you redeem the cash back and the cash back rewards never expire.

Besides, you can redeem a $150 signup bonus after spending $500 within the first 3 months. Chase Freedom has a 15 months zero percent intro promo that applies towards purchases and balance transfer. After the intro period, you will be charged with an APR fee from 15.99% – 24.74%. Chase Freedom does not have any annual fee.

3. U.S. Bank Cash+ Visa Signature Card
U.S. Bank Cash+ Visa Signature Card gives cardholders the opportunities to earn 5% cash back on rotating bonus categories. The threshold of the spending limit for the 5% cash back is $2,000. You can also earn 2% cash back when you use the card to pay for everyday expenses like gas and groceries.

You will earn 1.5% cash back on everything else in the first year and 1% in the following year. If you are a new card member, you can receive a $100 bonus after spending $500 within the first 90 days after account opening and is popular with consumers who are considering a balance transfer in 2018. The card does not have any annual fee charges.