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best cash back credit cards

Best Cash Back Credit Cards for Home and Lifestyle Purchases

Cash back credit cards are an excellent way to earn rewards on everyday spending, especially for big-ticket purchases like home improvement items, furniture, or groceries. If you’re looking to maximize your spending and make the most of your home and lifestyle purchases, choosing the best cash back credit card can make a significant difference. In this guide, we’ll explore the top cash back cards tailored for home and lifestyle purchases, focusing on the benefits, features, and how to select the best one for your needs.

Why Choose The Best Cash Back Credit Cards For Home And Lifestyle Purchases?

Before diving into the specific cards, it’s essential to understand why best cash back credit cards are ideal for home and lifestyle purchases. These cards offer you money back on everything from everyday essentials like groceries and gas to home renovation projects or new appliances. The rewards you earn can be redeemed for statement credits, checks, or even travel and gift cards, depending on the card.

With home and lifestyle spending often comprising a large portion of your monthly budget, maximizing the cash back earned on these categories can help you save money or invest in more significant purchases down the line. The key is finding the right card with high cash back rates in categories like home improvement stores, dining, groceries, and even online shopping.

best cash back credit cards

Top Best Cash Back Credit Cards For Home And Lifestyle Purchases

Let’s explore some of the best cash back credit cards that cater specifically to home and lifestyle spending:

1. Chase Freedom Unlimited®

Best For: Everyday Purchases Including Home Essentials

The Chase Freedom Unlimited® card is one of the most versatile cash back cards on the market. It offers a solid 1.5% cash back on every purchase, including home and lifestyle purchases. What makes this card stand out for home spending is the 5% cash back on travel purchased through Chase Ultimate Rewards® and 3% on dining and drugstore purchases. While it doesn’t have a specific bonus for home improvement, the broad earning potential on general purchases makes it a great option for earning cash back on everything from groceries to household items.

Key Features:

  • 1.5% cash back on all purchases
  • 3% cash back on dining and drugstore purchases
  • 5% cash back on travel purchases through Chase Ultimate Rewards®
  • No annual fee
  • Sign-up bonus: $200 after spending $500 in the first 3 months

With no annual fee and excellent rewards across several categories, this card is a great option for those looking for a low-maintenance cash back card that still offers substantial rewards.

2. Citi® Double Cash Card

Best For: Consistent Cash Back on All Purchases

The Citi® Double Cash Card is another top contender when it comes to earning cash back on home and lifestyle purchases. This card offers an impressive 2% cash back on every purchase – 1% when you make a purchase and another 1% when you pay for it. This flat-rate cash back makes it easy to earn rewards on any home-related purchases, whether it’s groceries, furniture, or home improvement tools.

Key Features:

  • 2% cash back on all purchases (1% when you buy and 1% when you pay)
  • No annual fee
  • 0% introductory APR on balance transfers for 18 months (then 18.24% – 28.24% variable APR)
  • $200 cash back after spending $1,500 in the first 6 months

If you prefer simplicity and consistency, the Citi® Double Cash Card is an excellent choice for earning cash back on everyday home and lifestyle purchases.

3. Blue Cash Preferred® Card from American Express

Best For: Grocery and Home Improvement Purchases

The Blue Cash Preferred® Card from American Express is ideal for individuals who spend a lot on groceries and home improvement. You’ll earn 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), and 3% cash back on transit and gas purchases. While it doesn’t have a direct bonus category for home improvement stores, the high rewards rate on groceries can be especially beneficial for homeowners looking to stock up on essentials for their home.

Key Features:

  • 6% cash back on U.S. supermarket purchases (up to $6,000 per year, then 1%)
  • 3% cash back on transit, gas stations, and select U.S. department stores
  • 1% cash back on other purchases
  • $95 annual fee (waived for the first year)
  • Welcome bonus: $350 after spending $3,000 in the first 6 months

If you frequently shop for groceries or have a family, the Blue Cash Preferred® Card allows you to earn high cash back while making purchases that are essential to your home and lifestyle needs.

4. Discover it® Cash Back

Best For: Rotating Categories That Include Home Improvement Stores

The Discover it® Cash Back card is a unique option because it offers 5% cash back in rotating categories each quarter, which often include home improvement stores like Lowe’s and Home Depot. During those quarters, you can earn 5% cash back on up to $1,500 in spending. Additionally, you’ll earn 1% cash back on all other purchases. Discover also matches all the cash back you earn during the first year, making this card especially rewarding for new cardholders.

Key Features:

  • 5% cash back on rotating categories each quarter (on up to $1,500 in purchases, then 1%)
  • 1% cash back on all other purchases
  • No annual fee
  • First-year cash back match
  • Rotating categories include home improvement stores, restaurants, and more

If you’re willing to manage the rotating categories, this card can be a great option for those who frequently shop at home improvement stores and want to take advantage of 5% cash back.

5. Capital One® SavorOne® Cash Rewards Credit Card

Best For: Dining and Entertainment Purchases

For those who enjoy dining out and spending on lifestyle activities, the Capital One® SavorOne® Cash Rewards Credit Card is perfect. While it doesn’t directly target home improvement stores, it offers 3% cash back on dining, entertainment, popular streaming services, and grocery stores. It also provides 1% cash back on other purchases.

Key Features:

  • 3% cash back on dining, entertainment, and grocery stores
  • 1% cash back on all other purchases
  • No annual fee
  • $200 cash bonus after spending $500 in the first 3 months
  • 0% APR on purchases for the first 15 months (then 19.24% – 29.24% variable APR)

If your home and lifestyle spending involves dining out, streaming services, or entertainment, this card can earn you significant cash back in those categories.

How To Choose The Best Cash Back Credit Card For Home And Lifestyle Purchases?

When choosing the best cash back credit card for home and lifestyle purchases, there are several factors to consider:

  1. Spending Categories: Some cards offer higher cash back in specific categories, such as home improvement, dining, or groceries. Consider where you spend the most money and choose a card that offers the highest rewards in those areas.
  2. Sign-Up Bonus: Many credit cards offer sign-up bonuses, which can give you an immediate boost in rewards. If you plan on making a significant purchase soon, choose a card with a lucrative bonus.
  3. Annual Fees: Some cards charge annual fees, while others do not. If you’re looking to keep costs low, you may want to opt for a card with no annual fee.
  4. APR and Fees: Be sure to check the interest rates on purchases and balance transfers. If you carry a balance, a lower APR will save you money in interest.
  5. Rewards Redemption: Look into how you can redeem your rewards. Some cards offer statement credits, while others allow you to use your cash back for gift cards, travel, or even merchandise.

Conclusion

The best cash back credit cards for home and lifestyle purchases can help you make the most of your everyday spending, whether you’re shopping for groceries, home improvement items, or dining out. Cards like the Chase Freedom Unlimited®, Citi® Double Cash Card, and Blue Cash Preferred® Card from American Express all offer significant rewards on common household purchases. By choosing the card that best fits your spending habits and lifestyle, you can start earning valuable cash back and enjoy the rewards of smart spending.

Hi there! I'm Zenais Obinna, a passionate blog writer based in the United States. With a keen interest in business, technology, and travel, I immerse myself in exploring new ideas and experiences to share with my readers. Join me on my journey as I uncover the latest trends, innovations, and adventures from around the world. Let's embark on this exciting voyage together.

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