A rewards credit card with more than 2% of cash back, may allow you to earn cash back when you follow their rotating categories schedule. Some cards also allow you to earn cash back outside of the rotating bonus categories. Spending up to the maximum cap allows you to reap the full benefit of the cash back program and cut down the cost of the interest fee. The following are 5 rewards credit cards that offer more than 2% of cash back.

1. Discover it – Cashback Match
Discover it – Cashback Match lets cardholders get 5% cash back when they choose to shop on the rotating bonus categories. If you buy other things, you will still get 1% cash back. Some of the categories that have been included in the rotating bonus categories in the past are home improvement, gas station and restaurant. You earn a bonus that is the same as the cash back you earn in that year if you have promptly make the repayment. The card works great as a backup card because it does not have any annual fee.

2. Chase Freedom
Chase Freedom allows you to earn $150 bonus when you meet the minimum spending requirement of $500 within a 3 month timeframe. It has a rotating bonus categories program where you can earn 5% cash back on purchasing products in these categories. You also get 1% cash back if your purchases are outside of the rotating categories. Chase Freedom is a zero percent interest cash back card with a 15 months intro promo. Cash back is automatically credited into your account.

3. U.S. Bank Cash + Visa Signature Card

U.S. Bank Cash + Visa Signature Card let customers earn 5.5% cash back for up to the spending limit of $2,000 on the rotating categories. In the second year, you will earn 5% cash back on the rotating categories. It also has a promotion on everyday category where you earn 2.5% on grocery or gas purchases. For other purchases, you will earn a 1.5% cash back in the first year and 1% cash back in the second year.

4. Blu Cash Preferred Card
Blu Cash Preferred Card allows you to earn 6% cash back when you charge your card for purchases at the U.S. supermarkets. If you make use of the 6% cash back to the fullest, you can earn more than $180 cash back per year. There is a 3% cash back for purchases at a U.S. gas station. All other purchases will earn you a 1% cash back. If you spend $1,000 in the first 3 months, you can claim a $200 statement credit from them. The card has a $95 annual fee.

5. Alliant Cashback Visa Signature Credit Card

Alliant Cashback Visa Signature Credit Card offers up to 3% cash back on purchases in all categories during the first year. After the first year, you will earn a 2.5% cash back. It does not charge any foreign transaction fee. The $59 annual fee is waived in the first year.