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I noticed that a lot of people only look at the cashback percentage and forget about the conditions - annual fees, minimum spending to activate bonuses, category restrictions. I had a card with a nice 5% on everything, but you had to top it up every month with at least some amount, otherwise the fee would eat up all the cashback 😄
It's actually worth choosing not by one card, but by your lifestyle. If your main expenses are groceries and fuel, then a card with 3% on those categories might be more useful than 10% on restaurants if you don't go there. Plus there's the thing with cashback caps - some cards give high percentages only up to a certain amount per month, then it drops to 0.5%.
It's also worth checking if there's cashback on payments through apps and online services - if you pay utilities, that can bring in decent money from the large amounts, even with a low percentage.
The most profitable cashback right now is a combined approach with a card that gives you a high percentage on categories that match your main spending. For example, if you often eat at restaurants, take taxis, or shop online, it makes sense to look for a card with 5-10% cashback specifically on those categories rather than chasing a universal card with 1-2% on everything.
At the same time, connect your main bank's loyalty programs with partners - supermarkets, marketplaces, and delivery services often give you extra bonuses when you pay with certain cards. This can add up to 8-15% real return on a category if you combine things right. Many banks in 2026 are also offering increased cashback on first purchases for new users, so if you haven't activated a card from any of the major banks yet, that's worth checking out too.
The main thing is don't keep money on a card that only pays well on one or two categories if they make up less than half your spending. Look at your spending history over a few months, pick a card that matches your actual habits, and then the cashback will actually be worthwhile instead of just a nice number in the description.
I spent a long time looking for a card without any catches - and ended up going with one where cashback is credited on everything with no restrictions, even if it's a small percentage. I end up getting around 1-1.5% on all my purchases, but there are no conditions, no annual fees, and I don't have to guess whether a supermarket falls into the right category. Over a year it adds up to a decent amount, and the main thing is peace of mind.
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