
Cash Back Credit Cards - Reviews
Cash back credit cards let you pocket earnings on eligible purchases and spend your rewards anywhere you like. To earn the most cash back rewards, you need to pick the best cash back credit card for your spending habits. Some pay a 1% to 2% flat rate on all of your purchases. Others offer cash back rates as high as 5%, but only on eligible purchases like travel or dining.
Many cash back credit cards have generous welcome offers that give you a hefty rewards balance from day one. Along with cash back perks, some cash back credit cards also offer 0% introductory APR on purchases and balance transfers upon application approval, plus nifty benefits like flexible payment plans for large purchases and discounts at select stores.
Our CreditCards.com experts reviewed hundreds of cash back credit card offers based on several factors. Cash back rates, welcome offers, redemption simplicity and interest rates are the key criteria we used. In our cash back credit card reviews below, you can compare our experts’ top picks from our partners for 2021 and find recommendations on the best cash back credit cards for your spending habits.

Blue Cash Preferred® Card from American Express
Last reviewed: February 3, 2023
Despite its annual fee after the first year, the Blue Cash Preferred card is one of our favorite cards for families. It helps take the sting out of carpool lines and long commutes by offering a generous rewards rate on U.S. gas station spending and one of the highest cash back rates you can get at U.S. supermarkets.

Capital One SavorOne Student Cash Rewards Credit Card
Last reviewed: February 28, 2023
A generous cash back rate in a variety of practical everyday categories makes the SavorOne Student card a solid starter cash back card, but the card’s APR could pose a risk to students new to credit

Citi Custom Cash℠ Card
Last reviewed: February 7, 2023
The Citi Custom Cash Card should offer terrific value to low-maintenance cardholders and rewards experts alike since it automatically rewards your top spending category each billing cycle. Just be sure you aren’t missing out on rewards in your second- and third-highest categories.

Bank of America® Customized Cash Rewards credit card
Last reviewed: March 7, 2023
The Bank of America Customized Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 combined spending cap on bonus category rewards limits how much cardholders can earn.

Upgrade Cash Rewards Elite Visa®
Last reviewed: March 10, 2023
A unique credit card/loan hybrid that earns a great flat rate and refines your budget with consistent bill payments. While it lacks flexible cash back redemptions, it can be a fine solution if you consistently carry a balance.

Amazon Prime Rewards Visa Signature card
Last reviewed: January 31, 2023
The Amazon Prime Rewards Visa Signature card offers a great 5% rate on Amazon and Whole Food purchases, but Prime membership requires a high $139 fee, and Amazon points lack versatility.
* All information about the Amazon Prime Rewards Visa Signature card has been collected independently by CreditCards.com and has not been reviewed by the issuer. This card is not currently available through CreditCards.com.
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Capital One Walmart Rewards® Mastercard®
Last reviewed: December 29, 2022
Thanks to its flexible redemption scheme and great rewards rate on practical purchases like grocery pickup, the Capital One Walmart Rewards Mastercard should offer a lot of value to cardholders who do most of their everyday shopping at Walmart.

Citi® Double Cash Card
Last reviewed: March 6, 2023
If you regularly pay off your card in full each month, it’s hard to beat the cash back rewards on the Citi Double Cash card: It offers 2% cash back (1% when you buy and an additional 1% as you make payments for those purchases), making it an ideal card for purchases that don’t qualify for larger bonuses.