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00:00you're spending money every day groceries gas food delivery streaming amazon orders but here's
00:10the real question what are you getting back from most people don't know this the right credit card
00:15can actually pay you to spend yes real cash back straight to your account and in 25 these five
00:22cards are handing out serious rewards no tricks no gimmicks just smart spending let's be real
00:28cash back isn't just about free coffee it's real money hundreds even thousands per year and you
00:37don't need to spend more just spend smart let's talk about the first card wells fargo active cash
00:43gives two percent back on every purchase no categories no rotating offers just flat two percent
00:50plus a 200 welcome bonus after spending five hundred dollars and no annual fee at all perfect
00:57for people who just want to swipe and earn next up city double cash you get one percent when you buy
01:03one percent when you pay that's a clean two percent total simple powerful no annual fee here either
01:11use it as your daily driver it's super reliable now let's heat things up chase freedom unlimited
01:17five percent back on travel through chase three percent back on dining and drug stores
01:23one point five percent back on everything else plus 200 bonus plus zero percent apr for 15 months
01:31great balance between every day and extra rewards ready for something different meet discover it cash
01:37back five percent back on categories that rotate gas groceries amazon categories change every quarter so
01:46stay sharp here's the kicker year one all rewards are doubled earn three hundred dollars they give
01:53you six hundred dollars no annual fee here either last but not least amex blue cash every day three
02:00percent back at u.s supermarkets three percent at gas stations three percent on online shopping up to
02:07six thousand per category per year two hundred while welcome bonus premium amex benefits no annual fee
02:15easy to keep easy to love now what does this actually mean for you spend one thousand five hundred dollar
02:23a month and earn two percent cash back that's 360 a year just for spending smart use category cards
02:30you could earn up to one thousand dollars not working harder not spending more just the right tools for
02:37the job so here's what i'd do start with one want simplicity go wells fargo or city double cash
02:45want to maximize categories discover or amex blue cash travel and eat out a lot chase freedoms your friend
02:53these cards are tools to build wealth and rewards but always pay your balance in full
02:59paying interest kills your rewards pro tip stack rewards with apps like rakuten honey the savings add up
03:07fast if this helped you hit like and subscribe more videos coming on credit cards rewards and travel hacks
03:14drop a comment i read them all this is james williams and remember