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.

Mastercard® Titanium Card™

APPLY NOW

Rewards Rate

1%
?

Double Points Value When Redeemed for Airfare and 1% Value for Cash Back Statement Credit Redemptions

Intro Bonus Value

N/A

Annual Reward Value

$159
?

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

$195

Mastercard® Titanium Card™

Rewards Rate

1%

Intro Bonus Value

N/A

Annual Reward Value

$159

Annual Fee

$195

Card Details

  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)

Recommended Credit Score

740 850
Excellent

Rates & Fees

Annual Fee $195
Purchase Intro APR N/A
Regular APR 16.24% Variable
Balance Transfers Intro APR 0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days

Features

EMV
No Foreign Transaction Fees
0% Introductory APR
Free Credit Score
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
Private Jet Access
Mobile Pay Ready
MasterCard World Elite
View More Details

at Luxury Card's
secure site

Discover it® chrome

APPLY NOW

Rewards Rate

2%
?

2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. Plus, 1% cash back on all your other purchases.

on select categories

Intro Bonus Value

$80
?

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

$273
?

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® chrome

(993 Reviews)

Rewards Rate

2%
on select categories

Intro Bonus Value

$80

Annual Reward Value

$273

Annual Fee

$0

Card Details

  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 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 12.24% - 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
SimplyCash® Plus Business Credit Card from American Express

APPLY NOW

Rewards Rate

1%
?

5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. 3% on the category of your choice from a list of eight and 1% cash back on other purchases.

on select categories

Intro Bonus Value

$200
?

Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.

Annual Reward Value

$272
?

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

SimplyCash® Plus Business Credit Card from American Express

APPLY BY PHONE

or call American Express at

866-474-2158 See Rates & fees

Rewards Rate

1%
on select categories

Intro Bonus Value

$200

Annual Reward Value

$272

Annual Fee

$0

Card Details

  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply

Recommended Credit Score

740 850
Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR 0% on Purchases for 9 months
Regular APR 13.49% - 20.49% Variable
Balance Transfers Intro APR N/A

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
OPEN from American Express
Presale Tickets
View More Details

at American Express's
secure site

or call American Express at

866-474-2158 See Rates & fees
Terms Apply
USAA Preferred Cash Rewards Visa Signature®

APPLY NOW

Rewards Rate

1.5%
?

Earn 1.5% cash back on every purchase

Intro Bonus Value

N/A

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

USAA Preferred Cash Rewards Visa Signature®

Rewards Rate

1.5%

Intro Bonus Value

N/A

Annual Reward Value

$238

Annual Fee

$0

Card Details

  • Earn 1.5% cash back on every purchase
  • There's no limit on the amount you can earn
  • Redeem your rewards anytime online or with the USAA Mobile App.
  • USAA membership is available to active and former military and their eligible family members

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR N/A
Regular APR 13.15%-27.15% (Variable)
Balance Transfers Intro APR N/A

Features

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

at USAA's
secure site

USAA Cashback Rewards Plus American Express® Card

APPLY NOW

Rewards Rate

1%
?

Earn 5% cash back on your first $3,000 in gas and military purchases annually on these categories combined and 2% cash back on your first $3,000 on supermarket purchases per year.

on select categories

Intro Bonus Value

N/A

Annual Reward Value

$291
?

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

USAA Cashback Rewards Plus American Express® Card

Rewards Rate

1%
on select categories

Intro Bonus Value

N/A

Annual Reward Value

$291

Annual Fee

$0

Card Details

  • Earn 5% cash back on your first $3,000 in gas and military purchases annually on these categories combined.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year.
  • Unlimited 1% cash back on all other purchases.
  • USAA membership is available to active and former military and their eligible family members

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR N/A
Regular APR 13.15%-27.15% (Variable)
Balance Transfers Intro APR N/A

Features

EMV
No Foreign Transaction Fees
No Annual Fee
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Price Protection
Travel Accident Insurance
Travel Assistance
Trip Cancellation Insurance
Zero Fraud Liability
Mobile Pay Ready
View More Details

at USAA's
secure site

Capital One® QuicksilverOne® Cash Rewards Credit Card

APPLY NOW

Rewards Rate

1.5%
?

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

Intro Bonus Value

N/A

Annual Reward Value

$212
?

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

$39

Capital One® QuicksilverOne® Cash Rewards Credit Card

Rewards Rate

1.5%

Intro Bonus Value

N/A

Annual Reward Value

$212

Annual Fee

$39

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Recommended Credit Score

580 740
Fair to Good

Rates & Fees

Annual Fee $39
Purchase Intro APR N/A
Regular APR 24.99% (Variable)
Balance Transfers Intro APR N/A

Features

EMV
No Foreign Transaction Fees
Auto Rental Insurance
Extended Warranty Program
Price Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Zero Fraud Liability
Mobile Pay Ready
View More Details

at Capital One's
secure site

USAA Rewards™ American Express® Card

APPLY NOW

Rewards Rate

1%
?

Earn one point for every dollar spent on your everyday purchases and 2X points per dollar on gas and groceries with no caps.

Intro Bonus Value

$25
?

Get 2,500 Bonus Points after your first purchase

Annual Reward Value

$227
?

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

USAA Rewards™ American Express® Card

Rewards Rate

1%

Intro Bonus Value

$25

Annual Reward Value

$227

Annual Fee

$0

Card Details

  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR N/A
Regular APR 11.15%-27.15% (Variable)
Balance Transfers Intro APR N/A

Features

EMV
No Foreign Transaction Fees
No Annual Fee
Auto Rental Insurance
Concierge Service
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Price Protection
Travel Accident Insurance
Travel Assistance
Trip Cancellation Insurance
Zero Fraud Liability
Mobile Pay Ready
View More Details

at USAA's
secure site

Paralyzed Veterans of America USAA Rewards™ Visa Signature® Card

APPLY NOW

Rewards Rate

see terms

Intro Bonus Value

$20.75
?

Get 2,500 Bonus Points after your first purchase

Annual Reward Value

N/A

Annual Fee

$0

Paralyzed Veterans of America USAA Rewards™ Visa Signature® Card

Rewards Rate

see terms

Intro Bonus Value

$20.75

Annual Reward Value

N/A

Annual Fee

$0

Card Details

  • With this card, you can help Paralyzed Veterans of America fulfill their mission: For more than 70 years, PVA has been on a mission to change lives and build brighter futures for our seriously injured heroes.
  • Get 2,500 Bonus Points after your first purchase.
  • Start earning 1 point for every $1 spent for all your every day purchases.
  • Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
  • Redeem your rewards points anytime on usaa.com or from your mobile phone - with no redemption fee.
  • Enjoy no cap or expiration date on points.
  • Enjoy no foreign transaction fees when you travel outside of the United States
  • Rates and Fees

Recommended Credit Score

580 740
Fair to Good

Rates & Fees

Annual Fee $0
Purchase Intro APR N/A
Regular APR 12.15% to 27.15% Variable
Balance Transfers Intro APR 0% for 12 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
Auto Rental Insurance
Extended Warranty Program
Purchase Protection
Price Protection
Travel Accident Insurance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at USAA's
secure site

Wounded Warrior Project USAA Rewards™ Visa Signature® Card

APPLY NOW

Rewards Rate

see terms

Intro Bonus Value

$20.75
?

Get 2,500 Bonus Points after your first purchase

Annual Reward Value

N/A

Annual Fee

$0

Wounded Warrior Project USAA Rewards™ Visa Signature® Card

Rewards Rate

see terms

Intro Bonus Value

$20.75

Annual Reward Value

N/A

Annual Fee

$0

Card Details

  • With this card, you can show your support for WWP and its mission to honor and empower wounded warriors.
  • Get 2,500 Bonus Points after your first purchase.
  • Start earning 1 point for every $1 spent for all your every day purchases.
  • Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
  • Redeem your rewards points anytime on usaa.com or from your mobile phone - with no redemption fee.
  • Enjoy no cap or expiration date on points.
  • Enjoy no foreign transaction fees when you travel outside of the United States
  • Rates and Fees

Recommended Credit Score

580 740
Fair to Good

Rates & Fees

Annual Fee $0
Purchase Intro APR N/A
Regular APR 12.15% to 27.15% Variable
Balance Transfers Intro APR 0% for 12 months

Features

EMV
No Foreign Transaction Fees
No Annual Fee
Auto Rental Insurance
Extended Warranty Program
Purchase Protection
Price Protection
Travel Accident Insurance
Zero Fraud Liability
Mobile Pay Ready
Visa Signature®
View More Details

at USAA's
secure site

Deserve® Pro Mastercard

APPLY NOW

Rewards Rate

see terms

Intro Bonus Value

N/A

Annual Reward Value

N/A

Annual Fee

$0

Deserve® Pro Mastercard

Rewards Rate

see terms

Intro Bonus Value

N/A

Annual Reward Value

N/A

Annual Fee

$0

Card Details

  • More cash back on the things you enjoy the most: 3% on travel/entertainment, 2% on restaurants & 1% on all other purchases
  • No annual fee
  • Credit limit up to $10,000
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits

Recommended Credit Score

670 850
Good to Excellent

Rates & Fees

Annual Fee $0
Purchase Intro APR N/A
Regular APR 17.24% - 24.24% Variable
Balance Transfers Intro APR N/A

Features

EMV
No Foreign Transaction Fees
No Annual Fee
Auto Rental Insurance
Extended Warranty Program
Price Protection
Roadside Assistance
Travel Assistance
Zero Fraud Liability
View More Details

at Deserve's
secure site

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: January 12, 2018

CreditCards.com's Top Cash Back Credit Cards for January 2018

  • Capital One® Quicksilver® Cash Rewards Credit Card
  • Chase Freedom Unlimited®
  • Blue Cash Everyday® Card from American Express
  • Discover it® Cashback Match™
  • Citi® Double Cash Card
  • Wells Fargo Cash Wise Visa® Card
  • Chase Freedom®
  • Capital One® SavorSM Cash Rewards Credit Card
  • HSBC Cash Rewards Mastercard® Credit Card
  • U.S. Bank Cash+™ Visa Signature® Card

Cashback cards are some of the most rewarding of credit cards today. Whether you are looking for a card that gives you excellent rewards for changing quarterly categories or across-the-board rewards for all types of spending, there are myriad cashback cards to choose from. Here, we look at:

  • What is a cashback credit card?
  • How do you redeem cashback rewards?
  • What is a statement credit?
  • Are cashback rewards taxable as income?
  • What are common cashback categories?
  • Advantages/disadvantages of cashback credit cards
  • How to compare 2 cashback credit cards

Whatever your rewards goals, we can help you make the right decision. Learn more here:

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.

How do you redeem cashback rewards?

  • Statement credit. The most common way to redeem your cashback earnings, a credit is put on your next bill.
  • Gift cards and shopping. Through a shopping portal, some card issuers allow you to make purchases with the cash back you’ve earned on your card. Purchases can be clothing, beauty aids, even gift cards.
  • Check. Some banks will issue you a check for your earnings.
  • Travel. Through the Chase Ultimate Rewards portal, you can redeem your Freedom or Freedom Unlimited rewards for travel.
  • Bank account. Some Bank of America cards give you 10% back when you deposit your credit in a Bank of America checking or savings account. If you have a preferred account, your cash back for deposits increases to 25% and even up to 75%.
  • Charity. Discover allows you to donate to some charities.

What is a statement credit?

When you earn cash back on purchases, one way you can collect the money back is through a statement credit. A credit is placed on your statement that can lower your balance that month. Banks might also allow you to earn your cash back by purchasing on a shopping portal, buying gift cards, receiving a check or having the credit deposited into a bank account with the same bank for a bonus. Some card issuers will even allow you to donate the cash back to charity.

Are cashback rewards taxable as income?

Typically, no. When you have a cashback card and you earn, say, 1.5% back on purchases, that 1.5% back isn’t considered taxable, because it’s considered a discount by the IRS. Learn more about this question here.

What are common cashback categories?

  • Restaurants. Restaurants are a favorite category for cashback cards. Some cards will even occasionally offer 5% back. If you find yourself eating out a lot for lunch or trying out the newest restaurant, this might be a good choice for you.
  • Groceries. This is a good option for the growing family. Some cards offer generous cash back for groceries year-round. Sometimes, with the cards that offer quarterly categories, you’ll also see drugstores.
  • Amazon.com. In the past, you could potentially earn up to $150 back at the end of your first year on this category with the Discover it Cashback Match.
  • Wholesale clubs. This is an increasingly popular category for cashback cards, sometimes as a quarterly category and sometimes in a limited time offer.
  • Transportation. Gasoline is a popular category with many cards, but you might also see specific quarters that include parking, tolls and Amtrak purchases, perfect for the daily commuter.
  • Home improvement stores. This category will pop up periodically, so keep your eyes peeled.

Advantages/disadvantages of cashback credit cards

Advantages:

  • Earn hundreds of dollars back a year. First and foremost, cashback cards can earn you oodles of money back just for using your card to make purchases. The more you spend, the most cashback you get. Categories range from groceries and gas to home improvement and wholesale clubs. You can sometimes even get significant cashback savings on shopping at Amazon.com.
  • Enjoy shopping deals. Many cashback cards also have shopping portals that offer 10%, even 20% off select retailers. You can shop for beauty aids, clothing, household items and more.
  • Wide variety of cards. Cashback cards have been around for a few decades, but they have really taken off in the last 10 years. There are cards with high percentages back that offer rotating categories; cards with high percentages on select categories year-round; and general-purpose cashback cards that give you 1%-2% back on every purchase.
  • Great practice for a travel card. If you have your eye on a travel, airline or hotel card, but you aren’t sure if you have the discipline yet, a cashback card is a good way to get started. Why? Because many don’t have an annual fee, unlike other rewards cards, so you can spend moderately at first and figure out how to spend and pay it off at the end of each month.
  • Excellent way to build credit. By paying on time and in full each month, and by keeping the card active by using it regularly, you will see your credit score climb in no time.

Disadvantages:

  • Annual fee. Some cashback cards have an annual fee, which can be a problem if you don’t plan ahead. For example, if you have an annual fee of $95, you’ll want to make sure you spend enough to recoup the annual charge.
  • Carrying a balance. It’s simple: Don’t do it. If you think you are going to incur debt that carries over month to month, a cashback card isn’t the best option. There is little point in getting a rewards card for earning cash back, points or miles, then paying the card issuer interest charges each month. If you have a $3,000 balance and you pay the minimum, if will take you 126 months and you will pay $2,241 in interest fees. Yuck.
  • Late payments. The easiest and fastest way to build credit is by using a credit card correctly. The easiest and fastest way to lose that great credit score? Pay your bills late. That’s because those late payments go to the credit bureaus and in turn to the credit scoring companies. If you’re going to get a card, always, always pay on time.

How to compare two cashback cards

  • What credit tier is required? Most cashback cards require good or excellent credit, although there are exceptions.
  • Is there a sign-up bonus? Some cashback cards offer $150 or more for signing up, provided you spend a minimum within a set amount of time, typically 3 months.
  • What bonus rewards are offered? Cashback cards can offer higher percentages for specific categories, rotating categories and across-the-board percentages for most spending.
  • Is there an annual fee? Many cashback cards don’t have an annual fee.
  • How do you want the cash back to be redeemed? Redemption can be with credit statements, checks, a travel portal, a shopping portal, gift cards or a deposit in a bank account.

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 Featured Cash Back Credit Cards for January 2018

CardWelcome BonusBonus RequirementRewards Rate
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
Blue Cash Everyday® Card from American Express$150 Cash Rewards BonusSpend $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
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.
Citi® Double Cash CardN/AN/AEarn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those 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
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
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
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
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

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