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.
Ally Everyday Cash Back Mastercard®
Last reviewed: September 28, 2023
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.
Credit One Bank® Platinum Visa®
Last reviewed: January 30, 2024
While this isn’t the best Visa card Credit One has to offer, the Credit One Bank Platinum Visa still offers cardholders a fairly good value. With a decent cash back rewards program and modest annual fee, this card may be the best option for customers with average credit who face more limited options. See rates and fees
The Ultimate Cash Back card from Santander Bank
Last reviewed: November 15, 2023
With a run-of-the-mill earning scheme and sign-up bonus, plus limited redemption options, the rewards program on the Santander Ultimate Cash Back Mastercard is far from impressive.
Synchrony HOME Credit Card
Last reviewed: February 7, 2024
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.
Venmo Credit Card
Last reviewed: November 15, 2023
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.
Costco Anywhere Visa® Business Card by Citi
Last reviewed: January 3, 2024
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.
Credit One Bank® Platinum Rewards Visa® with No Annual Fee
Last reviewed: March 14, 2024
Despite its higher-than-average APR, the Credit One Bank Platinum Rewards Visa with No Annual Fee is a solid starter card for people with fairly good credit scores.
Rakuten Cash Back Visa Credit Card
Last reviewed: February 7, 2024
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.
First National Bank American Express card
Last reviewed: December 16, 2022
The First National Bank American Express card offers a high rewards rate on all your spending and a fair sign-up bonus, but the standout feature is the card’s ease of use: Your cash back is automatically credited to your statement whenever you earn $25. This card offer is no longer available on our site.