The Capital One Venture Card has a solid place in my wallet due to its simplified approach to some awards, no foreign transaction fees and consistent earning.

While credit cards provide an automatic baseline for rewards, cash back apps offer an additional layer of savings. For instance, cash back sites like Rakuten, Ibotta or Dosh reward you for shopping at partner retailers, both online and in-store, allowing you to earn extra cash back beyond your credit card rewards.

Key Points Using a 2% cash back credit card can be a great decision for your finances. Your card can allow you to earn points effortlessly on each purchase, without having to keep track of different bonus categories.