Cash Back Credit Cards

Cash back credit cards are the simplest way to get paid back for the things you buy every day. Many cards offer a flat cash back rate for all purchases, while others offer higher cash back rates across rotating categories like dining, groceries and shopping. Browse offers from our partners and find a cash back card that fits your spending habits.

Our up-to-date list of cash back offers makes it easy to find a card that will maximize your savings. See offers from our partners below.

Estimated savings is based on on a total credit card transfer balance of $2,500, current APR of 15.00%, and a monthly repayment of $56.25 for the first 24 months.

Estimated Savings is a CreditCards.com calculation that is used to provide an example of how much you might save by transferring your balances to a new card after factoring in fees, length of promotional periods and interest charges. This amount is based on the transfer amount, assumes you make fixed monthly payments on time, and does not assume rewards or purchases, since those will vary per individual.

Bank of America® Cash Rewards Credit Card

APPLY NOW

Rewards Rate

1%

Intro Bonus Value

$150
?

Get $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

Annual Reward Value

$318

Annual Fee

$0

Bank of America® Cash Rewards Credit Card

(34,980 Reviews)

Rewards Rate

1%

Intro Bonus Value

$150

Annual Reward Value

$318

Annual Fee

$0

Card Details

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.24% - 24.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
Regular APR 14.24% - 24.24% Variable APR on purchases and balance transfers
Balance Transfers Intro APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

Features

EMV
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Travel Accident Insurance
Zero Fraud Liability
Mobile Pay Ready
MasterCard World
FICO Score
View More Details

at Bank of America's
secure site

Capital One® Quicksilver® Cash Rewards Credit Card

APPLY NOW

Rewards Rate

1.5%
?

Earn unlimited 1.5% cash back on every purchase, every day

Intro Bonus Value

$150
?

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual Reward Value

$288
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

Capital One® Quicksilver® Cash Rewards Credit Card

Rewards Rate

1.5%

Intro Bonus Value

$150

Annual Reward Value

$288

Annual Fee

$0

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% intro on purchases for 9 months
Regular APR 14.24% - 24.24% (Variable)
Balance Transfers Intro APR 0% intro on balance transfers for 9 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at Capital One's
secure site

Chase Freedom Unlimited®

APPLY NOW

Rewards Rate

1.5%
?

Unlimited 1.5% cash back on every purchase — it's automatic

Intro Bonus Value

$150
?

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Reward Value

$288
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

Chase Freedom Unlimited®

(9,099 Reviews)

Rewards Rate

1.5%

Intro Bonus Value

$150

Annual Reward Value

$288

Annual Fee

$0

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% Intro APR on Purchases for 15 months
Regular APR 16.24% - 24.99% Variable
Balance Transfers Intro APR 0% Intro APR on Balance Transfers for 15 months

Features

EMV
No Annual Fee
0% Introductory APR
Concierge Service
Extended Warranty Program
Purchase Protection
Travel Accident Insurance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at Chase's
secure site

Discover it® Cashback Match™

APPLY NOW

Rewards Rate

5%
?

Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.

Intro Bonus Value

$229
?

Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

Annual Reward Value

$229
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

Discover it® Cashback Match™

(25,774 Reviews)

Rewards Rate

5%

Intro Bonus Value

$229

Annual Reward Value

$229

Annual Fee

$0

Card Details

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% for 14 months
Regular APR 13.24% - 24.24% Variable
Balance Transfers Intro APR 0% for 14 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
0% Introductory APR
Free Credit Score
Price Protection
Zero Fraud Liability
Mobile Pay Ready
View More Details

at Discover's
secure site

See Rates & fees
Blue Cash Everyday® Card from American Express

APPLY NOW

Rewards Rate

1%
?

3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%); 2% cash back at U.S. gas stations and at select U.S. department stores; 1% back on other purchases.

on select categories

Intro Bonus Value

$150
?

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Annual Reward Value

$294
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

Blue Cash Everyday® Card from American Express

Rewards Rate

1%
on select categories

Intro Bonus Value

$150

Annual Reward Value

$294

Annual Fee

$0

Card Details

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% on Purchases for 15 months
Regular APR 14.24%-25.24% Variable
Balance Transfers Intro APR 0% on Balance Transfers for 15 months

Features

EMV
No Annual Fee
0% Introductory APR
Free Credit Score
Auto Rental Insurance
Extended Warranty Program
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
Presale Tickets
View More Details

at American Express's
secure site

See Rates & fees
Terms Apply
HSBC Cash Rewards Mastercard® credit card

APPLY NOW

Rewards Rate

1.5%
?

Earn unlimited 1.5% cash rewards on purchases

Intro Bonus Value

$150
?

Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.

Annual Reward Value

$317
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.'

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

HSBC Cash Rewards Mastercard® credit card

Rewards Rate

1.5%

Intro Bonus Value

$150

Annual Reward Value

$317

Annual Fee

$0

Card Details

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.24%, 18.24% or 24.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR N/A
Regular APR Variable APR of 14.24%, 18.24% or 24.24%
Balance Transfers Intro APR 0% Intro APR for 15 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Extended Warranty Program
Purchase Protection
Price Protection
Roadside Assistance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
View More Details

at HSBC's
secure site

See Rates & fees
Chase Freedom®

APPLY NOW

Rewards Rate

5%
?

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate

Intro Bonus Value

$150
?

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Annual Reward Value

$238
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

Chase Freedom®

(13,992 Reviews)

Rewards Rate

5%

Intro Bonus Value

$150

Annual Reward Value

$238

Annual Fee

$0

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% Intro APR on Purchases for 15 months
Regular APR 16.24% - 24.99% Variable
Balance Transfers Intro APR 0% Intro APR on Balance Transfers for 15 months

Features

EMV
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Price Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Trip Cancellation Insurance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at Chase's
secure site

Wells Fargo Cash Wise Visa® Card

APPLY NOW

Rewards Rate

1.5%
?

Earn unlimited 1.5% cash rewards on purchases

Intro Bonus Value

$200
?

Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Reward Value

$313
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

Wells Fargo Cash Wise Visa® Card

Rewards Rate

1.5%

Intro Bonus Value

$200

Annual Reward Value

$313

Annual Fee

$0

Card Details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.24%-26.24% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% for 12 months
Regular APR 14.24%-26.24% (Variable)
Balance Transfers Intro APR 0% for 12 months

Features

EMV
No Annual Fee
0% Introductory APR
Free Credit Score
Auto Rental Insurance
Zero Fraud Liability
Mobile Pay Ready
Cellphone Insurance
View More Details

at Wells Fargo's
secure site

Capital One® Savor℠ Cash Rewards Credit Card

APPLY NOW

Rewards Rate

3%
?

Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases

Intro Bonus Value

$150
?

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual Reward Value

$290
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.'

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

Capital One® Savor℠ Cash Rewards Credit Card

Rewards Rate

3%

Intro Bonus Value

$150

Annual Reward Value

$290

Annual Fee

$0

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 15.74%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.74%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% intro on purchases for 9 months
Regular APR 15.74% - 24.49% (Variable)
Balance Transfers Intro APR 0% intro on balance transfers for 9 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
0% Introductory APR
Auto Rental Insurance
Extended Warranty Program
Price Protection
Zero Fraud Liability
Mobile Pay Ready
View More Details

at Capital One's
secure site

U.S. Bank Cash+™ Visa Signature® Card

APPLY NOW

Rewards Rate

1%
?

Choose Your Cash Back: 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. 2% cash back on your choice of one everyday category, like gas or groceries. 1% cash back on all other eligible net purchases.

on select categories

Intro Bonus Value

$150
?

$150 after you spend $500 in eligible net purchases in the first 90 days of account opening

Annual Reward Value

$267
?

Annual Rewards Value is a CreditCards.com calculation that is used to provide an example of how much you might earn with your new card based on your spending habits. This amount is based on average monthly spend, and actual results will vary by user.'

$1325 monthly spend
Groceries
23%
Restaurants
14%
Travel (airline only)
4%
Travel total
8%
Hotel
2%
Gas
15%
Entertainment
5%
Other
33%

Annual Fee

$0

U.S. Bank Cash+™ Visa Signature® Card

Rewards Rate

1%
on select categories

Intro Bonus Value

$150

Annual Reward Value

$267

Annual Fee

$0

Card Details

  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas or groceries.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.24% - 24.24%
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

Recommended Credit Score

740 850
Excellent

Rates & Fees

Annual Fee $0*
Purchase Intro APR N/A
Regular APR 15.24% - 24.24%* (Variable)
Balance Transfers Intro APR 0%* intro on BTs for 12 months

Features

EMV
No Annual Fee
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at U.S. Bank's
secure site

See Rates & fees

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Compare Cash Back Credit Card Offers

Updated: February 20, 2018

CreditCards.com's Best Cash Back Credit Cards of 2018

What Our Experts are Saying

Lisa Gerstner, contributing editor at Kiplinger’s Personal Finance
Favorite cash back card: The Citi Double Cash card
"In the past year or so, Citi Double Cash has faced new competition among cash back cards that offer customers a strong, flat rebate on everything they buy. But so far, the rivals don’t quite match Citi Double Cash’s level of simplicity."

Laura Adams, personal finance expert and host of the Money Girl podcast
Favorite cash back card: The Blue Cash Preferred card from American Express
"The Blue Cash Preferred Card is my favorite cash back card because you earn the most on purchases that you’re sure to make. Getting 6 percent back on the first $6,000 you spend at supermarkets is excellent. You also receive 3 percent back at gas stations and department stores — plus, 1 percent on all your other purchases."

Michelle Schroeder-Gardner, author of the blog Making Sense of Cents
Favorite cash back card: The Citi Double Cash card
"There aren't many credit cards that allow you to receive 2 percent cash back, but the Citi Double Cash credit card is one of them. Plus, this credit card makes it quite easy to get that 2 percent cash back, too."

Matt Schulz, senior industry analyst at CreditCards.com
Favorite cash back card: The Citi Double Cash card
"Points and miles cards with their big sign-up bonuses grab all the headlines, but most Americans just want a cash back card. They want a simple, set-it-and-forget-it cash back card that gives them a good return with minimal effort. For those folks, the Citi Double Cash card is the best choice."

Daniel Ray, editor-in-chief at CreditCards.com
Favorite cash back card: The Blue Cash Preferred card from American Express
"The Blue Cash Preferred Card from American Express gets my vote as the best card because it is the most family friendly choice. Buying groceries and gas – two of families’ biggest spending categories – are what the Blue Cash Preferred gives back the most on."

Full Details on Cash Back Cards

With a cash back credit card, every purchase kicks a little back into your account. With the right cash back card, you could earn hundreds or even thousands of dollars a year in extra cash. Some cash back cards take the hassle out of rewards by offering a flat-rate percentage back on every purchase. Other, more lucrative cash back cards offer bonuses in specific categories (such as gas, groceries or restaurants). Some cards offer 5 percent cash back in categories that change quarterly. Here, we look at:

  • What type of spender can benefit most from a cashback card?
  • Is it worth getting a cashback credit card?
  • How do cashback credit cards work?
  • Typical cashback rates by category

No matter why you have your eye on cashback cards, it’s little wonder that they are among the most popular rewards cards. Whether you are wondering how they work or whether they are worthwhile, we can help:

What is a cashback credit card?

A cashback credit card, a type of rewards card, allows you to earn cash for making purchases. Most require good or excellent credit, which means you need at least a FICO score of 700 before you even think about applying. FICO, the credit scoring model most used by lenders, rates on a scale of 300-850, with 850 as the best. Cashback cards are an excellent gateway card into travel cards, which can be more complicated to maneuver and typically have an annual fee. Because cashback cards often don’t have annual fees, you don’t have to worry about a minimum spend to make the card worth your while.

What type of spender can benefit most from a cashback card?

  • The Family. Two key expenditures for a family are groceries and gas. That’s why the Blue Cash Preferred and Blue Cash Everyday cards are good choices for the family of 4, 6 or 8. While the Preferred has an annual fee, it offers richer rewards. The Everyday is better for the family that doesn’t spend a lot on cards.
  • The Organizer. If you like to maximize rewards and are fairly organized, a quarterly category card such as Chase Freedom can be a good choice. With it, you get different categories each quarter that you sign up for each cycle. Rewards are plentiful at 5% for the quarterly categories (on up to $1,500 in combined purchases in bonus categories each quarter you activate), which can include restaurants, internet, cable and phone services, and gas.
  • The Professional Shopper. A consummate shopper? Cards like the Discover it® cards have shopping portals such as Discover Deals, where you can get cash back for automotive purchases, Apple products, high-end clothing and more. In addition, you can earn cash back on some Discover it cards of up to 5% back and another 5% back at the end of your first year with select categories.
  • The Busy Consumer. Some cashback cards offer a flat rate so you don’t have to think about it. For example, the Wells Fargo Cash Wise offers unlimited 1.5% back on net purchases, while the Citi Double Cash offers 1% back when you make your purchases, plus another 1% back when you pay them off.

Is it worth getting a cashback credit card?

A cashback credit card frequently has no annual fee, yet it can have generous sign-up offers and ongoing rewards, making it one of the more lucrative types of rewards cards. That said, it’s important to pay back in full each month and to pay on time, or you’ll undo the card’s advantages.

How do cashback credit cards work?

  • Variety of types. Cashback cards can reward you at a flat rate or by category, sometimes year-round and sometimes quarterly.
  • Earning. Whichever card you choose, enjoy the rich rewards you get when you make purchases.
  • No annual fee. Many cashback cards have no annual fee, a plus when trying to maximize your cash rewards.
  • Sign-up bonuses. A few cashback cards offer sign-up bonuses in the way of cash in exchange for a required spend within a set amount of time. However, there are cashback cards worth looking at without a sign-up bonuses, so stay open.
  • Shopping portal. If you are passionate about earning savings while shopping, card issuers can have shopping portals, such as Discover Deals, that allow you to shop at major retailers at a discount.
  • Redemptions. Card issuers will usually redeem your cash back in the form of a statement credit, although you might also be able to redeem with a check or deposit in a bank account, sometimes for more rewards.

Typical cashback rates by category

CategoryCash BackCard
All Purchases1.5%Wells Fargo Cash Wise, Capital One Quicksilver
Amazon.com5%+5% after first yearDiscover it Cashback Match/Discover it
Office Supplies5% first $25,000, including utilitiesChase Ink Business Cash
Phone, Internet, Cable5% first $1,500/quarterChase Freedom
Restaurants5%+5% after first yearDiscover it Cashback Match/Discover it
U.S. Gas Stations3%Amex Blue Cash Preferred*
U.S. Supermarkets6%, up to $6,000/yearAmex Blue Cash Preferred*
U.S. Department Stores3%Amex Blue Cash Preferred*
Wholesale Club5%+5% after first yearDiscover it Cashback Match/Discover it

* Terms Apply

Check out our reviews

Interested in learning more about each card? We’ve reviewed several cash back credit cards – check them out in our reviews section.

Recap: Our Best Cash Back Credit Cards of 2018

CardWelcome BonusBonus RequirementRewards Rate
Bank of America® Cash Rewards Credit Card$150 Cash Rewards BonusSpend at least $500 on purchases in the first 90 days of account openingEarn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
Capital One® Quicksilver® Cash Rewards Credit Card$150 Cash BonusSpend $500 on purchases within 3 months from account openingEarn unlimited 1.5% cash back on every purchase, every day
Chase Freedom Unlimited®$150 BonusSpend $500 on purchases in your first 3 months from account openingUnlimited 1.5% cash back on every purchase
Discover it® Cashback Match™Discover will match all the cash back earned at the end of your first year, automaticallyAutomaticEarn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Blue Cash Everyday® Card from American Express$150 Statement CreditSpend $1,000 in the first 3 monthsEarn 1% cash back on every purchase, 2% at U.S. gas stations and select U.S. department stores, and 3% at U.S. supermarkets for the first $6,000 in supermarket purchases each year
HSBC Cash Rewards Mastercard® Credit Card$150 Cash Rewards BonusSpend $500 purchases in the first 3 monthsEarn unlimited 1.5% cash rewards on all purchases
Chase Freedom®$150 BonusSpend $500 on purchases in your first 3 months from account openingEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate

Unlimited 1% cash back on all other purchases
Wells Fargo Cash Wise Visa® Card$200 Cash Rewards BonusSpend $1,000 in the first 3 monthsEarn unlimited 1.5% cash rewards on purchases
Capital One® SavorSM Cash Rewards Credit Card$150 Cash BonusSpend $500 on purchases within the first 3 months from account openingEarn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
U.S. Bank Cash+™ Visa Signature® Card$150 BonusSpend $500 in eligible net purchases in the first 90 days5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose

2% cash back on your choice of one everyday category, like gas or groceries

1% cash back on all other eligible net purchases

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account number, phone number, or email address. Keep in mind that anything you post may be disclosed, published, transmitted or reused.

The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.