We analyzed 50 major cash-back credit cards using an average American's annual budget and dug into each card's perks and drawbacks to find the best ones for various spending habits.

To determine which cards offer the best value, CNBC Select analyzed over 44 of the most popular cash-back credit cards available in the U.S. that don't come with an annual fee.

Like most store cards, the Target Circle™ Credit Card carries a high interest rate: The ongoing APR is 28.95%, Variable APR. If you carry a balance — even just some of the time — think twice ...

The Blue Cash Preferred Card from American Express earns high rewards at U.S. supermarkets and U.S. gas stations, and on eligible streaming and transit.