You'll find cash back credit cards appealing if your primary goal is to save money on your everyday spending, like gas, groceries, public transit, dining, and bill payments. They usually come with low or zero-dollar annual fees, so they’re an excellent money-saving tool if you are adhering to a strict budget. Suppose you use your card consistently and strategically to maximize your rewards. In that case, the cash rebates can go a long way in helping to trim your monthly expenses. However, if you use it sparsely, you’ll derive few benefits, especially with a low earn rate.