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 sign-up, 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 for 2021 and find recommendations on the best cash back credit cards for your spending habits.

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Chase Amazon.com Rewards Visa card review

Chase Amazon.com Rewards Visa card

2.6 rating

For cardholders who don’t want to pay the fee for an Amazon Prime membership, the regular Amazon Rewards Visa card offers one of the highest rewards rates on Amazon.com purchases as well as a pretty good rewards rate on gas, restaurant and drugstore purchases.

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Costco Anywhere Visa® Card by Citi review

Costco Anywhere Visa® Card by Citi

2.5 rating

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.

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Synchrony HOME Credit Card review

Synchrony HOME Credit Card

2.4 rating

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.

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Apple Card review

Apple Card

2.4 rating

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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BB&T Spectrum Cash Rewards credit card review

BB&T Spectrum Cash Rewards credit card

2.3 rating

The BB&T Spectrum Cash Rewards card does not offer the highest rewards rate, but it can help cardholders looking to save on fees since it comes with no annual fee and a 12-month intro APR.

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Venmo Credit Card review

Venmo Credit Card

2.1 rating

The Venmo Credit Card should offer refreshing flexibility thanks to its unique cash back program that lets you earn rewards in your biggest spending categories. However, there’s no guarantee your spending habits will line up with the card’s eligible categories.

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PayPal Extras Mastercard review

PayPal Extras Mastercard

2 rating

The PayPal Extras Mastercard is burdened by cumbersome redemption tiers, poor redemption value and restrictions galore, making it a hard sell even for frequent PayPal users.

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SunTrust Cash Back credit card review

SunTrust Cash Back credit card

2 rating

With a low APR and generous rewards for SunTrust bank account holders, the SunTrust Cash Back credit card is a good choice for well-heeled SunTrust customers; however, cardholders with low checking account balances won’t get nearly as much benefit.

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U.S. Bank Cash+ Visa Signature Card review

U.S. Bank Cash+ Visa Signature Card

2 rating

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.

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Rakuten Cash Back Visa Credit Card review

Rakuten Cash Back Visa Credit Card

1.7 rating

Stacking the Rakuten Cash Back Visa with Rakuten’s cash back offers could get you double-digit cash back when you shop online, but the card is far from the only way for Rakuten users to score big savings.

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First Citizens Rewards Visa card review

First Citizens Rewards Visa card

1.6 rating

If you plan to carry a balance and your credit is strong enough to qualify for the card’s lowest available rate, you may get some value out of this low-earning rewards card; but you can almost certainly get better rewards at a comparable cost from other cards.

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Blue Cash card from American Express review

Blue Cash card from American Express

0 rating

Better suited for well-heeled families than cardholders on a budget, the Blue Cash card offers a generous cash back bonus on everyday purchases; but to get it, you have to clear an exceptionally high spending threshold that may be unrealistic for some families. This offer is no longer available.

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