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First of all, no cash rewards credit cards actually offer 10 percent cash back - let’s get that straight. The standard for a cash back credit card is one percent on all purchases, with two, three, even five or six percent cash back in certain categories.

Many cards offer five percent cash back in rotating categories, but the amount of cash back you can earn is almost always capped – often at $75, which translates to $1500 worth of purchases.

One way to earn higher cash back amounts is by shopping through online credit card rewards malls – ShopDiscover, for example, does offer 10 or 15 percent cash back at certain retailers when you purchase their products with your Discover Card through their online mall.

One of the best cash rewards credit cards out there is the American Express Blue Cash card – the Preferred version (with a $75 annual fee) gives six percent cash back on groceries, three percent back on gas and one percent on all other purchases all year long, and the Everyday version (no annual fee) gives three percent back on groceries, two percent on gas, and one percent on everything else.  However, this card is only for people with excellent credit.

Our rule of thumb is, one percent cash back on all purchases and five percent back in rotating categories is nothing to turn your nose up at. It’s a pretty sweet deal, actually. If you want more cash back, look to those online credit card malls – that’s where the serious savings are happening.