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Sign up bonuses are NOT included in these numbers, so that will be an extra perk for you.3.

The best way to get the most money with no fee cash back cards is to split your spending across multiple cards.I recommend using the Tangerine Money-Back Credit Card for purchases in the 3 categories you spend the most like groceries, recurring bills, and gas to earn 2% on those purchases.Then, put the rest of your spending on the Simply Cash Card from American Express to earn 1.25% instead of the usual 1%.Fees suck and you may even be worried that paying the fee will pressure you to overspend.If that's you, then this no fee cash back card analysis is just what you need.

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