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.
Discover it® Chrome
Last reviewed: March 25, 2024
A good card for foodies and commuters, the Discover it® Chrome credit card features an outstanding sign-up bonus that matches the cash back you earn at the end of your first year and a solid rewards rate on restaurant and gas station purchases.
Terms and conditions apply.
My GM Rewards® Mastercard®
Last reviewed: March 1, 2024
This card offers a very generous rewards rate on GM spending and also on everyday purchases, but the card’s restrictive redemption program doesn’t leave you many options for rewards.
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Last reviewed: August 21, 2023
The Petal 2 offers a low entry barrier and the opportunity to earn cash back and avoid fees while building your credit, but you could face a high APR.
Jasper Cash Back Mastercard®
Last reviewed: April 16, 2024
The Jasper Cash Back Mastercard charges no annual fee* and offers a chance at a high credit limit and decent baseline rewards. However, it doesn’t carry many distinguishing features that set it apart from other cards for people with fair credit.
*All information about the Jasper Cash Back Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Jasper Cash Back Mastercard is no longer available through CreditCards.com.
Bank of America® Unlimited Cash Rewards credit card
Last reviewed: April 18, 2024
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.
Capital One Quicksilver Cash Rewards Credit Card
Last reviewed: April 16, 2024
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.
HSBC Cash Rewards Mastercard credit card
Last reviewed: December 29, 2022
Less well-known than other 1.5 percent cash back cards from bigger banks, the HSBC Cash Rewards Mastercard stands out from its competitors with a solid 10 percent anniversary bonus that can substantially boost cardholders’ earnings. This offer is no longer available on our site.