{"id":528,"date":"2026-08-17T17:53:42","date_gmt":"2026-08-17T20:53:42","guid":{"rendered":"https:\/\/cobviral.com\/?p=528"},"modified":"2026-08-17T17:53:44","modified_gmt":"2026-08-17T20:53:44","slug":"best-cash-back-credit-cards-how-to-choose-the-right-card","status":"publish","type":"post","link":"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/","title":{"rendered":"Best Cash Back Credit Cards: How to Choose the Right Card"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Credit card rewards have become an important part of the consumer credit market. Among the most popular options are <strong>cash back credit cards<\/strong>, which allow cardholders to earn rewards based on eligible purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For consumers who regularly use a credit card and pay their balances responsibly, a cash back card can provide additional value on everyday spending. However, choosing the right card requires more than looking at the highest advertised rewards rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best option depends on your spending habits, credit profile, fees, redemption options, interest rate, and the terms attached to the rewards program.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice do Conte\u00fado<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Alternar tabela de conte\u00fado\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#What_Is_a_Cash_Back_Credit_Card\" >What Is a Cash Back Credit Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#How_Does_Cash_Back_Work\" >How Does Cash Back Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Flat-Rate_vs_Bonus-Category_Cash_Back\" >Flat-Rate vs. Bonus-Category Cash Back<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Flat-Rate_Cash_Back\" >Flat-Rate Cash Back<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Bonus-Category_Cash_Back\" >Bonus-Category Cash Back<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#What_Should_You_Look_for_in_a_Cash_Back_Card\" >What Should You Look for in a Cash Back Card?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#1_Cash_Back_Rate\" >1. Cash Back Rate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#2_Annual_Fee\" >2. Annual Fee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#3_Redemption_Options\" >3. Redemption Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#4_APR\" >4. APR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#5_Spending_Caps\" >5. Spending Caps<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Best_Cash_Back_Credit_Cards_for_Everyday_Spending\" >Best Cash Back Credit Cards for Everyday Spending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Best_Cash_Back_Cards_for_Groceries\" >Best Cash Back Cards for Groceries<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Best_Cash_Back_Cards_for_Dining\" >Best Cash Back Cards for Dining<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Best_Cash_Back_Cards_for_Gas\" >Best Cash Back Cards for Gas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Cash_Back_vs_Travel_Rewards\" >Cash Back vs. Travel Rewards<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Cash_Back\" >Cash Back<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Travel_Rewards\" >Travel Rewards<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#How_Much_Can_You_Actually_Earn\" >How Much Can You Actually Earn?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Rewards_Are_Not_Free_Money\" >Rewards Are Not Free Money<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#How_to_Maximize_Cash_Back_Responsibly\" >How to Maximize Cash Back Responsibly<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Match_the_Card_to_Your_Spending\" >Match the Card to Your Spending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Pay_Attention_to_Bonus_Categories\" >Pay Attention to Bonus Categories<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Avoid_Carrying_Expensive_Debt\" >Avoid Carrying Expensive Debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Monitor_Your_Rewards\" >Monitor Your Rewards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Read_the_Fine_Print\" >Read the Fine Print<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Common_Mistakes_When_Choosing_a_Cash_Back_Card\" >Common Mistakes When Choosing a Cash Back Card<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Choosing_the_Highest_Percentage\" >Choosing the Highest Percentage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Ignoring_the_Annual_Fee\" >Ignoring the Annual Fee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Forgetting_Spending_Caps\" >Forgetting Spending Caps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Carrying_a_Balance_for_Rewards\" >Carrying a Balance for Rewards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Ignoring_Redemption_Rules\" >Ignoring Redemption Rules<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#How_to_Compare_Cash_Back_Credit_Cards\" >How to Compare Cash Back Credit Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#What_is_the_best_cash_back_credit_card\" >What is the best cash back credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Is_cash_back_better_than_points\" >Is cash back better than points?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Do_cash_back_credit_cards_have_annual_fees\" >Do cash back credit cards have annual fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Can_cash_back_expire\" >Can cash back expire?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Is_it_worth_getting_a_cash_back_card\" >Is it worth getting a cash back card?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"#\" data-href=\"https:\/\/cobviral.com\/pt_br\/best-cash-back-credit-cards-how-to-choose-the-right-card\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_a_Cash_Back_Credit_Card\"><\/span>What Is a Cash Back Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>cash back credit card<\/strong> rewards eligible purchases with a monetary benefit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the card, rewards may be provided as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Statement credits<\/li>\n\n\n\n<li>Direct deposits<\/li>\n\n\n\n<li>Checks<\/li>\n\n\n\n<li>Rewards applied toward purchases<\/li>\n\n\n\n<li>Other redemption options<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The exact structure varies by issuer and card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Consumer Financial Protection Bureau explains that credit card rewards programs commonly use points, miles, or other reward currencies, which can sometimes be redeemed for cash back or statement credits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cash back cards have become increasingly common. According to the CFPB&#8217;s latest consumer credit card market report, 36% of general-purpose credit card accounts offered cash rewards in 2024, compared with 28% in 2015.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_Cash_Back_Work\"><\/span>How Does Cash Back Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The basic concept is relatively simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suppose a card offers 2% cash back on eligible purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you spend $500 on qualifying purchases, the theoretical reward would be:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$500 \u00d7 2% = $10 cash back<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you spend $2,000:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$2,000 \u00d7 2% = $40 cash back<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The actual rewards depend on the card&#8217;s terms, eligible categories, exclusions, spending limits, and redemption rules.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some cards provide a flat cash-back rate on most eligible purchases, while others offer higher rates for specific categories.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Flat-Rate_vs_Bonus-Category_Cash_Back\"><\/span>Flat-Rate vs. Bonus-Category Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the biggest decisions when comparing the <strong>best cash back credit cards<\/strong> is whether you prefer simplicity or category-based rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Flat-Rate_Cash_Back\"><\/span>Flat-Rate Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A flat-rate card provides the same rewards rate on most eligible purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, a hypothetical card might offer 2% cash back on eligible purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The advantage is simplicity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You don&#8217;t have to remember which category receives a higher reward rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can be particularly useful for people who have varied spending patterns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bonus-Category_Cash_Back\"><\/span>Bonus-Category Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Other cards offer higher rewards in specific categories.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potential categories can include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li>Restaurants<\/li>\n\n\n\n<li>Gas stations<\/li>\n\n\n\n<li>Travel<\/li>\n\n\n\n<li>Online purchases<\/li>\n\n\n\n<li>Streaming services<\/li>\n\n\n\n<li>Select retail purchases<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A card with bonus categories can potentially generate more rewards for consumers whose spending matches those categories.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, these programs can have additional rules, limits, enrollment requirements, or rotating categories.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_You_Look_for_in_a_Cash_Back_Card\"><\/span>What Should You Look for in a Cash Back Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The highest advertised rewards rate does not automatically make a card the best choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider the complete package.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Cash_Back_Rate\"><\/span>1. Cash Back Rate<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Start by examining the base rewards rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then check whether certain purchases receive higher rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A card offering a high rate in one category may provide a lower rate on everything else.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Annual_Fee\"><\/span>2. Annual Fee<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many attractive cash back cards have no annual fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The CFPB reported that cash back cards typically have low or no annual fees, and its 2024 data showed that 85% of cash-back offers received through direct mail in the fourth quarter had no annual fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Still, some cards charge annual fees in exchange for enhanced rewards or additional benefits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The important question is whether the rewards and benefits are worth more than the fee for your individual spending pattern.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Redemption_Options\"><\/span>3. Redemption Options<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A rewards program is only useful if you understand how you can redeem the rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check whether cash back can be redeemed as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Statement credit<\/li>\n\n\n\n<li>Direct deposit<\/li>\n\n\n\n<li>Check<\/li>\n\n\n\n<li>Account credit<\/li>\n\n\n\n<li>Other available methods<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Also check whether there is a minimum redemption amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_APR\"><\/span>4. APR<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A high cash-back percentage can become much less valuable if you carry a balance and pay substantial interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, earning rewards on purchases while simultaneously paying interest on revolving debt can significantly reduce the financial benefit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why consumers should compare the card&#8217;s interest rate and repayment terms instead of focusing exclusively on rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Spending_Caps\"><\/span>5. Spending Caps<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some bonus categories have spending limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, a hypothetical card might offer a higher cash-back rate only up to a certain amount of annual or quarterly spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After reaching the limit, purchases could earn the standard rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding these limits is important when calculating the actual value of a rewards card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Cash_Back_Credit_Cards_for_Everyday_Spending\"><\/span>Best Cash Back Credit Cards for Everyday Spending<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For everyday spending, simplicity can be valuable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>cash back credit card for everyday purchases<\/strong> may work well for consumers who don&#8217;t want to track multiple categories.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When comparing these cards, look for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Competitive base rewards<\/li>\n\n\n\n<li>No or low annual fee<\/li>\n\n\n\n<li>Flexible redemption<\/li>\n\n\n\n<li>Clear terms<\/li>\n\n\n\n<li>Reasonable APR<\/li>\n\n\n\n<li>No unnecessary restrictions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If most of your purchases fall outside specialized bonus categories, a strong flat-rate card may be easier to manage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Cash_Back_Cards_for_Groceries\"><\/span>Best Cash Back Cards for Groceries<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Consumers who spend significant amounts on groceries may benefit from a card that offers enhanced rewards in that category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before applying, check exactly which merchants qualify.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some rewards programs distinguish between:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Supermarkets<\/li>\n\n\n\n<li>Wholesale clubs<\/li>\n\n\n\n<li>Convenience stores<\/li>\n\n\n\n<li>Specialty food stores<\/li>\n\n\n\n<li>Online grocery services<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The definition of an eligible purchase can vary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Always review the current card terms rather than assuming that every grocery-related purchase qualifies for the highest rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Cash_Back_Cards_for_Dining\"><\/span>Best Cash Back Cards for Dining<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If restaurants and food delivery represent a large portion of your monthly spending, a card offering bonus rewards for dining could potentially provide additional value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check whether the rewards apply to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Restaurants<\/li>\n\n\n\n<li>Caf\u00e9s<\/li>\n\n\n\n<li>Bars<\/li>\n\n\n\n<li>Food delivery services<\/li>\n\n\n\n<li>Takeout<\/li>\n\n\n\n<li>Fast food<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Again, merchant coding can affect whether a purchase qualifies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Cash_Back_Cards_for_Gas\"><\/span>Best Cash Back Cards for Gas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Drivers may want to compare cards that offer additional rewards on eligible fuel purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, some cards distinguish between purchases made at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gas stations<\/li>\n\n\n\n<li>Convenience stores<\/li>\n\n\n\n<li>Wholesale clubs<\/li>\n\n\n\n<li>Electric vehicle charging stations<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you drive frequently, calculate your annual fuel spending and compare the potential rewards against other available card options.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cash_Back_vs_Travel_Rewards\"><\/span>Cash Back vs. Travel Rewards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Another important decision is whether you prefer cash back or travel rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cash_Back\"><\/span>Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Advantages can include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simple redemption<\/li>\n\n\n\n<li>Flexible value<\/li>\n\n\n\n<li>Easy-to-understand rewards<\/li>\n\n\n\n<li>No need to plan travel<\/li>\n\n\n\n<li>Useful for everyday spending<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Travel_Rewards\"><\/span>Travel Rewards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Travel cards may offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Points<\/li>\n\n\n\n<li>Airline miles<\/li>\n\n\n\n<li>Hotel rewards<\/li>\n\n\n\n<li>Travel-related benefits<\/li>\n\n\n\n<li>Transfer opportunities<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The better option depends on your lifestyle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you rarely travel, cash back may be easier to use.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you frequently travel and understand how points and miles work, a travel rewards program may potentially provide greater value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Much_Can_You_Actually_Earn\"><\/span>How Much Can You Actually Earn?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Consider a hypothetical spending pattern.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine someone spends $30,000 per year on eligible purchases with a card offering a flat 2% cash-back rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The calculation would be:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$30,000 \u00d7 2% = $600<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That would represent $600 in potential rewards before considering exclusions, fees, interest, or other card-specific conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now consider a card with a $95 annual fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the rewards generated are $600, the simplified difference would be:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$600 \u2212 $95 = $505<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This example demonstrates why consumers should calculate the <strong>net value of rewards<\/strong>, rather than simply comparing the headline cash-back percentage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actual results will depend on the card&#8217;s terms and individual spending.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rewards_Are_Not_Free_Money\"><\/span>Rewards Are Not Free Money<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cash back can be valuable, but it should not encourage unnecessary spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The CFPB has highlighted concerns involving credit card rewards programs, including unexpected conditions, redemption problems, devaluation, and revocation of rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The CFPB has also warned that consumers who carry revolving balances can pay substantially more in interest and fees than they receive in rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For this reason, a good strategy is to view rewards as a secondary benefit rather than a reason to spend more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Maximize_Cash_Back_Responsibly\"><\/span>How to Maximize Cash Back Responsibly<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are several ways consumers can potentially improve their rewards without increasing unnecessary debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Match_the_Card_to_Your_Spending\"><\/span>Match the Card to Your Spending<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Look at your existing spending habits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#8217;t change your lifestyle simply to earn rewards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, choose a card that rewards purchases you already make.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pay_Attention_to_Bonus_Categories\"><\/span>Pay Attention to Bonus Categories<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your card has rotating or specialized categories, understand when the enhanced rate applies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Avoid_Carrying_Expensive_Debt\"><\/span>Avoid Carrying Expensive Debt<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If possible, pay your statement balance according to your financial plan and avoid using rewards as justification for spending beyond your budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monitor_Your_Rewards\"><\/span>Monitor Your Rewards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check your statements periodically to confirm that expected rewards are being credited correctly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Read_the_Fine_Print\"><\/span>Read the Fine Print<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Rewards can have conditions involving eligibility, expiration, redemption, account status, or spending requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The CFPB has specifically identified vague or buried conditions as an issue in some rewards programs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Mistakes_When_Choosing_a_Cash_Back_Card\"><\/span>Common Mistakes When Choosing a Cash Back Card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choosing_the_Highest_Percentage\"><\/span>Choosing the Highest Percentage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A card advertising a very high rewards rate in one category isn&#8217;t necessarily the best overall card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Look at your total annual spending.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ignoring_the_Annual_Fee\"><\/span>Ignoring the Annual Fee<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A card with higher rewards may charge an annual fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Calculate whether your expected rewards exceed that cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Forgetting_Spending_Caps\"><\/span>Forgetting Spending Caps<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bonus rewards may be limited to specific spending thresholds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Carrying_a_Balance_for_Rewards\"><\/span>Carrying a Balance for Rewards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This can undermine the value of cash back because interest costs can exceed the rewards earned.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ignoring_Redemption_Rules\"><\/span>Ignoring Redemption Rules<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Understand how and when rewards can be redeemed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some programs may have minimum redemption requirements or additional conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Compare_Cash_Back_Credit_Cards\"><\/span>How to Compare Cash Back Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A simple comparison can help narrow down your choices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Create a list of the cards you are considering and compare:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>What to Check<\/th><\/tr><\/thead><tbody><tr><td>Cash Back Rate<\/td><td>Base and bonus rates<\/td><\/tr><tr><td>Annual Fee<\/td><td>Yearly cost<\/td><\/tr><tr><td>APR<\/td><td>Interest rate<\/td><\/tr><tr><td>Rewards Categories<\/td><td>Where you earn more<\/td><\/tr><tr><td>Spending Caps<\/td><td>Limits on bonus rewards<\/td><\/tr><tr><td>Redemption<\/td><td>How rewards can be used<\/td><\/tr><tr><td>Foreign Transaction Fee<\/td><td>Important for international purchases<\/td><\/tr><tr><td>Welcome Bonus<\/td><td>Requirements and expiration<\/td><\/tr><tr><td>Eligibility<\/td><td>Credit profile requirements<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The CFPB maintains public information about credit card agreements and pricing terms, which can be useful when reviewing the details of specific offers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_best_cash_back_credit_card\"><\/span>What is the best cash back credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best card depends on your spending habits, credit profile, fees, rewards structure, and financial goals. A flat-rate card may suit someone who wants simplicity, while a category-based card may work better for someone whose spending aligns with bonus categories.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_cash_back_better_than_points\"><\/span>Is cash back better than points?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Neither is automatically better. Cash back is generally straightforward, while points may provide additional redemption possibilities. The right choice depends on how you plan to use the rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_cash_back_credit_cards_have_annual_fees\"><\/span>Do cash back credit cards have annual fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some do and some don&#8217;t. Many cash-back products have no annual fee, but consumers should always check the current terms before applying.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_cash_back_expire\"><\/span>Can cash back expire?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on the rewards program and account terms. Consumers should review the applicable conditions because rewards can have restrictions related to redemption or account status.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_it_worth_getting_a_cash_back_card\"><\/span>Is it worth getting a cash back card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It can be worthwhile if the rewards match your normal spending and you manage the account responsibly. The potential rewards should always be considered alongside interest, fees, and other terms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span>Final Thoughts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>best cash back credit cards<\/strong> are not necessarily the ones with the highest advertised rewards percentage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The right card should fit your spending habits and financial situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare the <strong>cash back rate, annual fee, APR, bonus categories, spending limits, redemption options, and eligibility requirements<\/strong> before applying.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most importantly, don&#8217;t spend more simply to earn rewards. Cash back is most useful when it comes from purchases you were already planning to make and when the account is managed responsibly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With careful comparison, a well-structured cash back card can become a useful part of a broader personal finance strategy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit card rewards have become an important part of the consumer credit market. Among the most popular options are cash [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[292],"tags":[],"class_list":["post-528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/posts\/528","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/comments?post=528"}],"version-history":[{"count":1,"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/posts\/528\/revisions"}],"predecessor-version":[{"id":530,"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/posts\/528\/revisions\/530"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/media\/529"}],"wp:attachment":[{"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/media?parent=528"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/categories?post=528"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cobviral.com\/pt_br\/wp-json\/wp\/v2\/tags?post=528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}