Core Insights - The article highlights the best cash-back credit cards for 2025, emphasizing their rewards structures, fees, and potential cash-back earnings. Group 1: Best Overall Card - The Chase Freedom Unlimited is identified as the best overall cash-back credit card, offering a $200 bonus after spending $500 in the first 3 months and a 0% introductory APR on purchases for 15 months [4][5]. Group 2: Best for Specific Categories - The Amex Blue Cash Preferred card is noted for providing 6% cash back at U.S. supermarkets on up to $6,000 in eligible purchases annually, with a potential annual cash back of $590.65 after the annual fee [9][10]. - The Amex Blue Cash Everyday card offers 3% cash back on U.S. supermarkets and online retail purchases, with a potential annual cash back of $451.08 [11][17]. - The Capital One Savor Cash Rewards card is highlighted for its unlimited 3% cash back on dining, with a potential annual cash back of $513.90 [19][21]. Group 3: Unique Features - The Citi Custom Cash card automatically adjusts its top 5% reward category based on spending, with a potential annual cash back of $522.10 [22][25]. - The Discover it Cash Back card offers 5% cash back on rotating categories each quarter, with a potential annual cash back of $476.88 [27][31]. Group 4: Cash-Back Mechanics - Cash-back credit cards typically offer between 2% and 6% cash back across various bonus categories, with 1% on all non-bonus spending [38][40]. - The article explains that cash back can be redeemed as statement credits, checks, or direct deposits into bank accounts [39][60]. Group 5: Considerations for Card Selection - Factors to consider when choosing a cash-back card include annual fees, welcome offers, cash-back rewards categories, and additional benefits [50][55][57]. - The article emphasizes the importance of aligning card rewards with spending habits to maximize cash-back potential [70][72].

Core Insights - The Home Depot Consumer Credit Card lacks rewards for frequent shoppers and offers limited additional benefits [1][6][11] - It is primarily a store credit card, usable only at Home Depot locations and online [12][14] Summary by Category Card Overview - The Home Depot Consumer Credit Card has an annual fee of $0 and a high purchase APR of 29.99% [4] - A welcome offer allows new cardholders to save up to $100 on qualifying purchases until January 28, 2026 [4] Financing Options - Cardholders can access no-interest financing on purchases of $299 or more if paid in full within six months [4][31] - Special financing offers may include deferred interest promotions, with terms ranging from six to 24 months [5] Rewards and Benefits - The card does not earn any rewards, making it less appealing for those seeking benefits on everyday purchases [6][9][11] - Benefits include $0 liability for unauthorized charges and an extended return policy window on eligible purchases [7][14] Target Audience - The card is best suited for customers who frequently make large purchases at Home Depot, particularly those of $299 or more [10][30] - It is not recommended for individuals looking for a general rewards credit card or better sign-up bonuses [10][30] Usage Limitations - The card can only be used at Home Depot stores and on HomeDepot.com, limiting its flexibility compared to cash-back credit cards [12][14]

Core Points - The article emphasizes the importance of tracking annual credit card benefits and perks to maximize value from rewards credit cards [1] Group 1: American Express Benefits - The Amex Gold Card offers up to $50 back semiannually for eligible U.S. Resy restaurants, along with up to $120 in annual Uber Cash, $84 in annual Dunkin' credits, and $120 in annual dining credits [2] - The Amex Blue Cash Everyday provides up to $7 monthly statement credit for subscription purchases at select U.S. websites, with enrollment required for select benefits [3] - The Amex Blue Cash Preferred card offers 6% cash back at U.S. supermarkets on up to $6,000 in eligible purchases annually, and a monthly statement credit of up to $10 for subscription purchases at select U.S. websites [4] Group 2: Delta Amex Benefits - The Delta Amex Platinum card includes up to $120 annual Resy credit and rideshare credit, along with a fee credit for Global Entry or TSA PreCheck [8] - The Delta Amex Reserve card provides up to $240 annual Resy credit and similar benefits as the Platinum card [9] Group 3: Hilton Honors Benefits - The Hilton Honors Amex card offers up to $100 property credit at participating hotels and 15 Elite Night Credits each calendar year [12][13] - The Hilton Aspire card provides up to $400 in statement credits annually for eligible purchases at Hilton Resorts [15] Group 4: Other Credit Card Benefits - The Amex Platinum card includes up to $200 in annual Uber Cash, $300 in annual digital entertainment credits, and a fee credit for Global Entry or TSA PreCheck [19] - The Bank of America Premium Rewards card offers up to $100 in statement credits for qualifying airline incidental purchases and a fee credit for Global Entry or TSA PreCheck [33][34]