The first factor to consider when choosing a cash back credit card is annual fee; while a no-annual-fee credit card may not be the best card, just make sure that the fee should not exceed your cash back rewards.
Furthermore, the card's cash back rewards system is also an important consideration for picking the best credit card, which includes welcome bonus, cash back percentage, redemption policy, cash back limit and minimum spending.
Some banks offer higher cash back rates on certain spending categories or specific shops, such as department stores, supermarkets and travel agencies. You should choose a credit card based on your purchase behavior to earn more cash back.