Cash Back card reviews

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.

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Citi Custom Cash℠ Card review

Citi Custom Cash℠ Card

4.5 rating

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.

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Bank of America® Customized Cash Rewards credit card review

Bank of America® Customized Cash Rewards credit card

4.4 rating

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.

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Amazon Prime Rewards Visa Signature card review

Amazon Prime Rewards Visa Signature card

4.3 rating

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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Upgrade Cash Rewards Elite Visa® review

Upgrade Cash Rewards Elite Visa®

4.3 rating

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.

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Capital One Walmart Rewards® Mastercard® review

Capital One Walmart Rewards® Mastercard®

4.2 rating

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.

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Wells Fargo Active Cash® Card review

Wells Fargo Active Cash® Card

4.1 rating

The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period.

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Power Cash Rewards Visa Signature® Card review

Power Cash Rewards Visa Signature® Card

4.1 rating

The Power Cash Rewards Visa Signature® Card awards 2 percent cash back, but only PenFed members can apply.

 

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Instacart Mastercard® review

Instacart Mastercard®

4.1 rating

If you’re already an avid Instacart user, this card could be hugely rewarding thanks to its impressive rewards rate, broad category coverage and generous first-year bonus. If you only use the service occasionally, though, you may be better off with a general grocery rewards card.

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Citi® Double Cash Card review

Citi® Double Cash Card

4.1 rating

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.

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