7 On Your Side: Best back to school rewards credit cards

NEW YORK (WABC) -- The average family will spend nearly $700 on back to school items. But why not get paid back, in money or travel, when you buy?

Here's the list of the best rewards credit cards when it comes to back to school savings.

Wallet Hub's Jill Gonzalez choice for the Best Initial Bonus rewards credit card, is the Chase Sapphire Preferred card.

Right off the bat it gives you 50,000 bonus points redeemable for $625 travel rewards or $500 cash.

"That's essentially your entire back to school spend coming right back to you. You have to spend $4000 with the first 3 months the cards open. If you have a big family that's even more of a perk," says Gonzalez.

The Discover IT card is Jill's "Best Retailer Specific Savings" card. It partners with specific retailers offering 5% cash back.

"Through September that means 5% cash back on Amazon.com where you can get all your school supplies in one swoop," says Gonzalez.

Plus after having the card for 1 year, you'll get all of your rewards points doubled. That means if you charge $1000 on Amazon this year, you get $100 back.

Citi's Double Cash is WalletHub's pick for Best All Around card.

It gives you 1% cash back on purchases and 1% percent when you pay your monthly bill.

And for parents who own a small business and spend a lot in office supplies, the Chase INK Cash card pays you back $200 if you spend $3,000 within 3 months, plus you get 5% percent cash back for what you spend at office supply stores. Spend $8000 annually at a store likes Staples, the card pays you back $400.

The big takeaway here, first look for cards that have low or no annual fees. All the cards we listed, have no annual fee.

Less is more when it comes to reward cards.

The tip, find the best card that works for your spending habits and use only that card. That way you'll maximize your rewards.

And know when they're a change in terms, like when your 0% teaser rate jumps up to 20 percent.