Did you know that utilizing the right credit card with cash back facility can help you earn quite a tidy sum if you use it strategically? But finding the right card may get challenging as there are many options available to choose from. Therefore, to help you to find the right one, following are the top five credit cards offering cash back facility. Read on to start earning rewards and saving money.

Chase Freedom Flex℠
It offers a welcome bonus of $200 cash back during the first three months of the account opening if you make purchases worth $500 during this duration. Also, there is no annual fee that makes it a good choice, but there is a 3% transaction fee that is levied on the account holder. Along with the beneficial bonus categories, this card also offers extended warranty and purchase protection. Some travel benefits are also provided by this card, such as travel and emergency assistance services and trip cancellation and interruption insurance. This card can also be amalgamated with other cards such as Chase Sapphire Reserve or Ink Business Preferred Credit Card and Chase Sapphire Preferred Card, which makes it more beneficial and valuable.

Wells Fargo Active Cash Card
It offers 2% cash rewards on purchases, and if you spend $1000 during the first three months, you will get $200 as a cash reward bonus. This Wells Fargo Active Cash Card also provides additional valuable benefits, such as a $600 cell phone protection benefit offered twice yearly. It also charges foreign transaction fees, so if you are looking to make purchases abroad, you might need to pay some fees. 

Discover it Cash Back
This card provides 5% cash back on everyday purchases in various places such as gas stations, grocery stores, and restaurants. It also offers 1% cash back on all other purchases. There are no foreign transaction fees or a bonus for purchases abroad. There are no annual fees, making it a valuable card with the cash back facility. 

Blue Cash Preferred Card from American Express
This card has a welcome offer of $350 for a statement credit after making $3,000 in purchases during the first six months. It provides numerous cash back rewards, such as 3% cash back at the US gas stations and on transit, including tolls, trains, buses, taxis, and much more. This card from American Express also offers 1% cash back on other eligible purchases. Also, 6% cash back on selected US streaming subscriptions is provided. There is an annual fee of $95.

Citi Custom Cash ℠  Card
It comes with a welcome offer of $200 in cash back when you spend $750 on purchases during the first three months of the account opening. There is no yearly fee, which makes this card a great choice. The rewards offered are 5% cash back on purchases made in the top eligible spend category during every billing cycle. It provides various other rewards, such as you may earn some money back in the classes not offered by other cards. But it is possible only when it is your highest spend segment or category.

There are various factors to consider when choosing the best and the right credit card with the cash back facility, such as cash back rate, annual fees, APR (Annual Percentage Rate), bonus categories, rewards, and redemption. Choosing the card that fits your lifestyle and spending habits is essential. Before going for any card, it would be best to look at your budget and check where you spend the most frequently. After exploring and researching these factors, make a wise and informed decision.