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What are the debit cards that offer cash back rewards?

Summary:Discover Cashback Debit, Chime Spending Account, and Capital One 360 Checking are among the top debit cards that offer cash back rewards. Consider fees, rewards program, and ATM network when choosing a card.

Debit cards that offer cash back rewards have become increasingly popular among consumers in recent years. These cards allow you to earn a percentage of your purchases back in the form of cash rewards, providing a way to save money on everyday expenses. In this article, we will explore some of the top debit cards that offer cash back rewards and provide tips on how to choose the right one for you.

Top Debit Cards for Cash Back Rewards

1. Discover Cashback Debit

Discover Cashback Debit is a no-fee checking account that offers 1% cash back on up to $3,000 in debit card purchases each month. This card also offers no ATM fees at over 60,000 ATMs nationwide, making it a great option for those who frequently use ATMs.

2. Chime Spending Account

The Chime Spending Account is another fee-free checking account that offers cash back rewards on debit card purchases. With this card, you can earn up to 1.5% cash back on purchases made with your debit card. Additionally, Chime offers early direct deposit, which can be helpful for those who need access to their funds before payday.

3. Capital One 360 Checking

Capital One 360 Checking offers a cash back program called Purchase Rewards, which provides personalized cash back offers based on your spending habits. These offers can range from 5% to 50% cash back at participating retailers. This card also has no monthly fees and no minimum balance requirements.

Tips for Choosing the Right Debit Card

When choosing a debit card that offers cash back rewards, it is important to consider several factors. First, look for a card with no annual fees or monthly maintenance fees. Additionally, consider the rewards program and how much cash back you can earn. Finally, look for a card that has a wide network of ATMs to avoid fees when accessing your cash.

Saving Money with Debit Cards

In addition to earning cash back rewards, debit cards can also help you save money in other ways. For example, many debit cards offer discounts at select retailers when you use your card to make purchases. Some cards also offer rewards for using mobile payment services like Apple Pay or Google Pay.

Avoiding Fees and Risks

When using a debit card, it is important to be aware of potential fees and risks. For example, some cards may charge fees for using out-of-network ATMs or overdrafting your account. Additionally, be cautious when using your debit card for online purchases, as it may be more susceptible to fraud than a credit card.

Final Thoughts

Debit cards that offer cash back rewards can be a great way to save money on everyday expenses. By choosing the right card and using it wisely, you can enjoy cash back rewards while avoiding fees and risks. As always, be sure to read the fine print and understand the terms and conditions of your card before signing up.

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