# Credit Card 5% cash back secrets

**URL:** <https://community.clark.com/t/credit-card-5-cash-back-secrets/8148>\
**Category:** Uncategorized\
**Created:** [August 11, 2025, 4:29pm UTC](https://community.clark.com/t/credit-card-5-cash-back-secrets/8148 "2025-08-11T16:29:59Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![lepiane](https://avatars.discourse-cdn.com/v4/letter/l/439d5e/32.png) [@lepiane](https://community.clark.com/u/lepiane)\
**Post date:** [August 11, 2025, 4:29pm UTC](https://community.clark.com/t/credit-card-5-cash-back-secrets/8148/1 "2025-08-11T16:29:59Z")

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I’m a renter with good credit and I appreciate any good cash back cards. I’m able to get **5% back on 3 major expenses** using cards that aren’t too popular, all no-fee. First, amazingly, the AAA Daily Advantage VISA Signature gives you 5% at **groceries** all the time, 3% gas & electric charging. Next, the US Bank Cash+ gives you back 5% in 2 categories you choose per quarter. I use it for **utilities/TV cable +streaming**. And last, the Citi Custom Cash automatically determines your top spending category for the billing cycle, applying 5% cash back. I only use it for **restaurants & bars** (same category).

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**Author:** ![MikeAndAmy](https://avatars.discourse-cdn.com/v4/letter/m/67e7ee/32.png) [@MikeAndAmy](https://community.clark.com/u/MikeAndAmy)\
**Post date:** [August 13, 2025, 9:15am UTC](https://community.clark.com/t/credit-card-5-cash-back-secrets/8148/2 "2025-08-13T09:15:34Z")

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My spouse and I each have our own Citi Custom cash card account. We dedicate one for our restaurant spending and one for grocery spending. 5% back on restaurants and groceries up to $500 spend on each category. Assuming we max that combined spending out to $1,000, we get $50 back every month, so over the course of a year, we get $600 cash rewards. Easy peasy!

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**Author:** ![tekwrite](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/tekwrite/32/1118_2.png) [@tekwrite](https://community.clark.com/u/tekwrite)\
**Post date:** [August 13, 2025, 3:45pm UTC](https://community.clark.com/t/credit-card-5-cash-back-secrets/8148/3 "2025-08-13T15:45:44Z")

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Heads up that Walmart is gonna offer a 5% cash back rewards card in the fall.

 ![walmart card](https://us1.discourse-cdn.com/flex016/uploads/clark/original/2X/7/7f0a2dfa2b977f6405d3bdf15eb3041903ebae35.png)

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**Author:** ![ByronNottingham](https://avatars.discourse-cdn.com/v4/letter/b/ea666f/32.png) [@ByronNottingham](https://community.clark.com/u/ByronNottingham)\
**Post date:** [August 13, 2025, 11:08pm UTC](https://community.clark.com/t/credit-card-5-cash-back-secrets/8148/4 "2025-08-13T23:08:10Z")

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Thanks for sharing! I already use the Citi Custom Cash card for restaurants, like you. We have Winco for groceries in town, and 5% cash back anywhere else is still more expensive than using debit-card at Winco (they don’t take credit cards). But I’ll look into the US Bank card you mentioned and see if it fits any “category spending” my wife and I do. I have to limit the number of cards, since she HATES juggling between them based on where they are used.. And I’m fine with that.