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.
Citi® Double Cash Card
Last reviewed: January 14, 2022
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 percent cash back (1 percent when you buy and an additional 1 percent as you make payments for those purchases), making it an ideal card for purchases that don’t qualify for larger bonuses.
Blue Cash Everyday® Card from American Express
Last reviewed: December 16, 2021
A great card for families and frequent shoppers, the Blue Cash Everyday card offers a generous amount of cash back on everyday purchases; but its APR cuts into its overall value.
Bank of America® Unlimited Cash Rewards credit card
Last reviewed: January 14, 2022
If you’re a Bank of America Preferred Rewards program member at the Platinum tier or higher, the Unlimited Cash Rewards card is hands-down one of your best flat-rate cash back options. If not, you can probably do better.
SoFi Credit Card
Last reviewed: January 14, 2022
The SoFi Credit Card is a great choice for SoFi customers who want to save, invest, or pay down a loan on their SoFi accounts. But for other customers? Not so much.
Navy Federal Credit Union cashRewards Card
Last reviewed: January 14, 2022
With a low APR and up to 1.5 percent cash back on every purchase, this modest credit union card is a great choice for cardholders who plan to carry a balance and want low-maintenance rewards at an affordable price.
View similar rewards credit cards
Capital One Quicksilver Cash Rewards Credit Card
Last reviewed: January 14, 2022
With a decent sign-up bonus, unlimited 1.5 percent cash back on every purchase and few restrictions on redemption, the Quicksilver Cash Rewards card offers a fair amount of value; but it doesn’t offer nearly as much cash back as other cards.
American Express Cash Magnet® Card
Last reviewed: January 14, 2022
The 1.5 rewards rate on the American Express Cash Magnet card is nothing special, but the introductory offer is a nice bit of extra pocket change (terms apply).
All information about the American Express Cash Magnet Card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy. The American Express Cash Magnet Card is no longer available through CreditCards.com.
Sam's Club® Mastercard®
Last reviewed: January 14, 2022
With the exception of ample cash back at Sam’s Club gas stations, the Sam’s Club Mastercard is best reserved for making gas and dining purchases outside the warehouse club.
View similar retail rewards cards
Synchrony HOME Credit Card
Last reviewed: December 16, 2021
The Synchrony HOME Credit Card could be a useful financing tool if you’re facing a lot of expenses related to home goods or services. But deferred financing offers can be risky, and the card’s restrictive cash back scheme limits its long-term value.
Costco Anywhere Visa® Card by Citi
Last reviewed: January 14, 2022
The Costco Anywhere Visa excels as a card for Costco and gas purchases, though you’ll have to contend with an annual membership fee for Costco and only redeeming your cash back once a year.
U.S. Bank Cash+ Visa Signature Card
Last reviewed: January 14, 2022
For cardholders who don’t mind a hands-on approach to earning card rewards, the U.S. Bank Cash+ offers more choice and flexibility than most of its competitors as well as a decent amount of cash back on everyday purchases. See rates and fees This offer is no longer available on our site.