CRESTVIEW — Okaloosa County ranks among the top areas for credit card rewards, according to a new SmartAsset study. 

Methodology

"Our study aims to find the places where people earn the most rewards on cash back credit cards," a SmartAsset news release states. "To find these places we looked at consumer spending habits across several categories, including groceries, gas, and restaurants."

SmartAsset's proprietary credit card valuation model calculates the top three credit cards and the total cash back rewards earned for each credit card, for each county, based on spending within each category.

"We take the average rewards value of the top three cards for each county," the release states. "We ranked the cities on each of the categories and then indexed each category."

Okaloosa, FL

State rank: 7

National rank: 350

Total Cash Back Rewards: $442

Rewards on Grocery Spending: $102

Rewards on Gas Spending: $63

Rewards on Restaurants Spending: $50

Santa Rosa, FL

State rank: 2

National rank: 239

Total Cash Back Rewards: $466

Rewards on Grocery Spending: $107

Rewards on Gas Spending: $67

Rewards on Restaurants Spending: $53 

Rank | County | Rewards on Grocery Spending | Rewards on Gas Spending | Rewards on Restaurants Spending | Total Cash Back Rewards | Total Cash Back Rewards Index

1. Saint Johns, FL | $120 | $75 | $59 | $523 | 56.46

2. Santa Rosa, FL | $107 | $67 | $53 | $466 | 46.95

3. Clay, FL | $106 | $66 | $52 | $461 | 46.08

4. Collier, FL | $104 | $65 | $52 | $455 | 45.06

5. Monroe, FL | $104 | $65 | $51 | $453 | 44.80

6. Seminole, FL | $104 | $65 | $51 | $452 | 44.49

7. Okaloosa, FL | $102 | $63 | $50 | $442 | 42.92

8. Nassau, FL | $98 | $62 | $48 | $429 | 40.67

9. Palm Beach, FL | $97 | $60 | $48 | $423 | 39.62

10. Broward, FL | $94 | $59 | $47 | $412 | 37.79

     Florida | $104 |  $42 | $32 | $356

Sources: 2014-2015 Consumer Expenditure Survey (BLS), US Census Bureau 2015 5-Year American Community Survey, SmartAsset

Places Earning the Most Cash Back Rewards

SmartAsset’s interactive map highlights the places in the country where people earn the most in cash-back credit card rewards. Click between states and the national map to see where people earn the most cash back.

Visit https://smartasset.com/credit-cards/cash-back-credit-card-guide/#florida for details.