We earlier reviewed five recommended 3% cash back cards from Capital One, American Express, Apple, and Bank of America. While each has its own features, they all share a top cash back tier of 3%. Four of the cards target consumers with good to excellent credit, but the Bank of America Customized Cash Rewards Secured Credit Card is designed for folks wishing to recover from bad credit. By putting down a refundable security deposit, you can own a credit card that will report your payments to the three credit bureaus (Experian, Equifax, and TransUnion). The reporting of on-time payments will eventually boost your score, no matter how low it is. The honor goes to the Discover it Cash Back card, which, like all Discover cards, has no annual fee. With Cashback Match doubling the card’s cash back rate for the first year, this card has many winning features, including: Quarterly revolving merchant categories that earn 5% on up to $1,500 in purchases when you activate the category. Many security and convenience features, including Freeze it, automatic bill payment, card number protection, and identity alerts, have earned Discover the Number One rank for privacy, ethics, quality, and customer service. The technologically advanced card delivers contactless tap to pay and integration with digital wallets from Google, Apple, Samsung, and Garmin. Discover cards are welcomed by 99% of merchants that accept any credit card. A 0% introductory APR offer on purchases and balance transfers for new cardmembers. After the intro period expires, the card has a variable APR range that starts at an admirably low rate for consumers with good credit. The card waives the first late fee and has no penalty APR for late payments. Cash back reward dollars never expire, and you’ll automatically receive your rewards balance if the card remains dormant for 18 months or if you close the account.