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.
Capital One Quicksilver Cash Rewards Credit Card
Last reviewed: August 12, 2025
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.
Navy Federal Credit Union cashRewards Card
Last reviewed: June 20, 2025
With a low APR and up to 1.5% 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.
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Bank of America® Customized Cash Rewards Card for Students
Last reviewed: May 28, 2025
The Bank of America Customized Cash Rewards credit card for Students offers a generous rewards rate and online cash rewards bonus for new cardholders.
TD Cash Credit Card
Last reviewed: July 30, 2025
With a large sign-up bonus and a great rewards rate on food purchases, the rewards program on the TD Cash Credit Card offers better-than-average value.
Capital One Spark Cash Select for Good Credit
Last reviewed: July 15, 2025
The Capital One Spark Cash Select for Good Credit doesn’t offer a sign-up bonus, but cardholders do get an unlimited 1.5% cash back on all spending, unlimited 5% cash back on hotels and rental cars booked through Capital One’s travel booking site and a generous intro APR on purchases.
*The information about the Capital One Spark Cash Select for Good Credit Card has been collected independently by creditcards.com. The card details have not been reviewed or approved by the card issuer.
PayPal Cash Back Mastercard
Last reviewed: July 2, 2025
Though the PayPal Cash Back Mastercard offers good rewards rate, cardholders who are not regular PayPal users may find the redemption options too cumbersome.
SoFi Credit Card
Last reviewed: July 2, 2025
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.
U.S. Bank Cash+® Visa Signature® Card
Last reviewed: May 28, 2025
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.
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Costco Anywhere Visa® Business Card by Citi
Last reviewed: January 21, 2025
Business owners who frequently buy in bulk will love the Costco Anywhere Visa Business card’s substantial rewards, but those who’d rather shop around or want lots of options for redeeming their rewards are probably better off with a more flexible card.
American Express Cash Magnet® Card
Last reviewed: July 2, 2025
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.
Ally Everyday Cash Back Mastercard®
Last reviewed: August 12, 2025
This is a great alternative to flat-rate cash back options for cardholders with predictable, everyday purchases at either the supermarket, gas station or pharmacy.
Apple Card
Last reviewed: August 12, 2025
While we are unimpressed with the new Apple Card’s cash back rewards program, it does offer some compelling features in its app that may appeal to cardholders looking for a better user experience.
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