"For those who are strictly team cash-back (not Churners, or points), what is your ideal/dream cash back set-up?"

The influx of cash-back credit cards means that cardholders can maximize their rewards by owning multiple cards that offer various benefits, including rotating categories.

Many users on Reddit expressed that having between 6 and 12 cash-back cards allows for a more optimized earning strategy, even if it requires track of cashback categories quarterly.

While some advocate for owning one card, the majority lean toward a multiple card setup to capture every possible reward, indicating a trend toward flexibility and maximization.

Beyond cash back, benefits such as warranty extensions and car rental coverage are critical to consider when evaluating which cash-back credit card best fits your needs.

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