Articles
Flat-rate and category cash back cards, rotating categories, and how to compare them.
Cash Back
A 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
5 min read
Cash Back
Grocery bonuses follow the merchant, not the food. How supermarket, superstore, warehouse, and online grocery rules change what your card actually earns.
6 min read
Cash Back
A 3% card can earn less than a 2% card. Compare annual cash back on your real spending, apply caps and merchant rules, then subtract fees.
6 min read
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
