One simple move that could put cash back in your pocket

Looking for a quality cash back card to boost your finances? This one received 5 stars from our experts…. --------------------------------------------------------------------------------------- [the ascent](~/AAQRxQA~/RgRlxpLfP0SNaHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC8_bWFpbGluZ19pZD1lNzU5ZGExMy1jNWFjLTRkNDItODdmZC1iOGYwOWM2ZTZiMmYmdT0yMDM2NTc0MDM2JnV0bV9zaXRlPXRoZWFzY2VudCZ1dG1fbWVkaXVtPWNwYyZ1dG1fc291cmNlPXNvVwNzcGNCCmPk3w3kYwbpO-dSG3RyaXN0cmFtYmFsZHdpbjg4QGdtYWlsLmNvbVgEAAAB-Q~~) Life is just plain expensive nowadays. Inflation hit a 40-year high last year, and while it started to slow down towards the end of the year, prices still went up an average of 8%. With how much the cost of living has increased, it's more important than ever to optimize your finances. That means using the right financial products, ones that help you improve your finances and don't weigh you down with unnecessary fees. Now, there are many products that fit the bill. But if you want one that can make an immediate impact, a cash back credit card can be a fantastic choice. Like [this top pick](~/AAQRxQA~/RgRlxpLfP4Q8AWh0dHBzOi8vd3d3LmZvb2wuY29tL3RoZS1hc2NlbnQvY3JlZGl0LWNhcmRzL2xhbmRpbmcvZGlzY292ZXItaXQtY2FzaC1iYWNrLXJldmlldy12Mi1jc3IvP2xpZD1lcjM0ZjliZGlnc3kmbWFpbGluZ19pZD1lNzU5ZGExMy1jNWFjLTRkNDItODdmZC1iOGYwOWM2ZTZiMmYmdT0yMDM2NTc0MDM2JnV0bV9zaXRlPXRoZWFzY2VudCZ1dG1fbWVkaXVtPWNwYyZ1dG1fc291cmNlPXNvJnV0bV9jYW1wYWlnbj10YS1jYy1yZW0tc28tZGlzY2ItMDIwODIwMjMtNS1zby1uYSZjYW1wYWlnbl9ncm91cD1zb18wMjA4MjAyMyZwdWJsaXNoZXI9c29fMDIwODIwMjNfbmFXA3NwY0IKY-TfDeRjBuk751IbdHJpc3RyYW1iYWxkd2luODhAZ21haWwuY29tWAQAAAH5), which earns up to 5% cash back at places you actually shop and eat. The great thing about a quality cash back card is how it fits seamlessly into your life. Since this type of card earns cash back when you pay for purchases, it's easy to use and benefit from. Simply make it your go-to card for purchases, make on-time payments for your bill, and start putting cash back in your pocket. Of course, the more cash back you can earn, the better, and that's where [this credit card](~/AAQRxQA~/RgRlxpLfP4Q8AWh0dHBzOi8vd3d3LmZvb2wuY29tL3RoZS1hc2NlbnQvY3JlZGl0LWNhcmRzL2xhbmRpbmcvZGlzY292ZXItaXQtY2FzaC1iYWNrLXJldmlldy12Mi1jc3IvP2xpZD1ybjg5YnJkbDVhdjkmbWFpbGluZ19pZD1lNzU5ZGExMy1jNWFjLTRkNDItODdmZC1iOGYwOWM2ZTZiMmYmdT0yMDM2NTc0MDM2JnV0bV9zaXRlPXRoZWFzY2VudCZ1dG1fbWVkaXVtPWNwYyZ1dG1fc291cmNlPXNvJnV0bV9jYW1wYWlnbj10YS1jYy1yZW0tc28tZGlzY2ItMDIwODIwMjMtNS1zby1uYSZjYW1wYWlnbl9ncm91cD1zb18wMjA4MjAyMyZwdWJsaXNoZXI9c29fMDIwODIwMjNfbmFXA3NwY0IKY-TfDeRjBuk751IbdHJpc3RyYW1iYWxkd2luODhAZ21haWwuY29tWAQAAAH5) really excels. But its incredible cash back rate isn't the only valuable perk, as it also offers: - 0% intro APR on purchases into 2024. The go-to variable rate applies after the promo. - $0 annual fee (Yes, you read that right. You get these perks and more without paying a dime for an annual fee.) - A quick and convenient 2-minute application And the best part about this card: there’s an incredibly easy way to significantly increase your cash rewards in the first year. [Check out our full review](~/AAQRxQA~/RgRlxpLfP4Q8AWh0dHBzOi8vd3d3LmZvb2wuY29tL3RoZS1hc2NlbnQvY3JlZGl0LWNhcmRzL2xhbmRpbmcvZGlzY292ZXItaXQtY2FzaC1iYWNrLXJldmlldy12Mi1jc3IvP2xpZD16eHppbHQyNGZta2kmbWFpbGluZ19pZD1lNzU5ZGExMy1jNWFjLTRkNDItODdmZC1iOGYwOWM2ZTZiMmYmdT0yMDM2NTc0MDM2JnV0bV9zaXRlPXRoZWFzY2VudCZ1dG1fbWVkaXVtPWNwYyZ1dG1fc291cmNlPXNvJnV0bV9jYW1wYWlnbj10YS1jYy1yZW0tc28tZGlzY2ItMDIwODIwMjMtNS1zby1uYSZjYW1wYWlnbl9ncm91cD1zb18wMjA4MjAyMyZwdWJsaXNoZXI9c29fMDIwODIwMjNfbmFXA3NwY0IKY-TfDeRjBuk751IbdHJpc3RyYW1iYWxkd2luODhAZ21haWwuY29tWAQAAAH5) to learn how. [Read our full expert review and apply today](~/AAQRxQA~/RgRlxpLfP4Q8AWh0dHBzOi8vd3d3LmZvb2wuY29tL3RoZS1hc2NlbnQvY3JlZGl0LWNhcmRzL2xhbmRpbmcvZGlzY292ZXItaXQtY2FzaC1iYWNrLXJldmlldy12Mi1jc3IvP2xpZD1pcWw3Zm1iM3h5Y2MmbWFpbGluZ19pZD1lNzU5ZGExMy1jNWFjLTRkNDItODdmZC1iOGYwOWM2ZTZiMmYmdT0yMDM2NTc0MDM2JnV0bV9zaXRlPXRoZWFzY2VudCZ1dG1fbWVkaXVtPWNwYyZ1dG1fc291cmNlPXNvJnV0bV9jYW1wYWlnbj10YS1jYy1yZW0tc28tZGlzY2ItMDIwODIwMjMtNS1zby1uYSZjYW1wYWlnbl9ncm91cD1zb18wMjA4MjAyMyZwdWJsaXNoZXI9c29fMDIwODIwMjNfbmFXA3NwY0IKY-TfDeRjBuk751IbdHJpc3RyYW1iYWxkd2luODhAZ21haWwuY29tWAQAAAH5) Here’s to your financial ascent! P.S. You should know that we are committed to helping you improve your finances. To that end, if we wouldn’t recommend a credit card to a close family member, we wouldn’t recommend it to you on The Ascent either. How did you like this email? [Positive](~/AAQRxQA~/RgRlxpLfP0SaaHR0cHM6Ly93d3cuZm9vbC5jb20vbW1zL21hcmsvc2EtcG9zdC1zdXJ2ZXk_bGlkPTU1NnB0b3pwNnZyNyZvcD0xMTE4NSZ1PTIwMzY1NzQwMzYmbWFpbGluZ19pZD1lNzU5ZGExMy1jNWFjLTRkNDItODdmZC1iOGYwOWM2ZTZiMmYmbWFpbGluZ19uYW1lPVZhcmlhbnQgMVcDc3BjQgpj5N8N5GMG6TvnUht0cmlzdHJhbWJhbGR3aW44OEBnbWFpbC5jb21YBAAAAfk~) [Negative](~/AAQRxQA~/RgRlxpLfP0SqaHR0cHM6Ly93d3cuZm9vbC5jb20vdmlwL2ludmVzdG9yLWFsZXJ0L3NvLWVtYWlsLXN1cnZleS1uZWcvP2xpZD05c3h6ZTZkY2dxaG8mb3A9MTExODMmdT0yMDM2NTc0MDM2Jm1haWxpbmdfaWQ9ZTc1OWRhMTMtYzVhYy00ZDQyLTg3ZmQtYjhmMDljNmU2YjJmJm1haWxpbmdfbmFtZT1WYXJpYW50IDFXA3NwY0IKY-TfDeRjBuk751IbdHJpc3RyYW1iYWxkd2luODhAZ21haWwuY29tWAQAAAH5) The Ascent is reader-supported: we may earn a commission from offers we mention here. It's how we make money. But our editorial integrity ensures our experts' opinions aren't influenced by compensation. We work fervently, feverishly, and Foolishly to make sure all the facts and figures we publish in our emails are 100% accurate and up to date. 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