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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Chase Freedom Unlimited® review

Chase Freedom Unlimited®

4.5 rating

The Chase Freedom Unlimited card offers a good sign-up bonus and an impressive average rewards rate, including a 1.5% cash back rate on general purchases, making it a great starter card for collecting Chase Ultimate Rewards.

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Discover it® Cash Back review

Discover it® Cash Back

4.5 rating

The Discover it Cash Back card offers a substantial amount of value for cardholders who don’t mind keeping track of rotating bonus categories; but what really sets this card apart from its competitors is its consumer-friendly terms and ultra generous sign-up bonus, which matches the amount of cash back you earn at the end of the card member’s first year.

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Capital One SavorOne Cash Rewards Credit Card review

Capital One SavorOne Cash Rewards Credit Card

4.4 rating

The SavorOne card offers a good rewards rate for cardholders who spend a heavy amount on food, but most cardholders are probably better off searching for a card with a flat 2 percent rate.

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Petal® 2

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

4.2 rating

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.

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Bank of America® Customized Cash Rewards credit card review

Bank of America® Customized Cash Rewards credit card

4.2 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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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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Chase Freedom Flex℠ review

Chase Freedom Flex℠

4.2 rating

The Chase Freedom Flex card’s unique blend of year-round and quarterly-rotating rewards categories should offer great variety. It may be especially appealing to frequent travelers who want to avoid an annual fee or pair with a premium Chase travel card.

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PenFed Power Cash Rewards Visa Signature® Card review

PenFed Power Cash Rewards Visa Signature® Card

4.1 rating

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

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Citi Custom Cash℠ Card review

Citi Custom Cash℠ Card

4.1 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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Blue Cash Preferred® Card from American Express review

Blue Cash Preferred® Card from American Express

4.0 rating

Despite its high annual fee after the first year, the Blue Cash Preferred card is one of our favorite cards for families: It helps take the sting out of car pool lines and long commutes by offering a generous rewards rate on U.S. gas station spending and it offers one of the highest cash back bonuses you can get when you use your card at U.S. supermarkets.

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Amazon Prime Rewards Visa Signature card review

Amazon Prime Rewards Visa Signature card

3.9 rating

The Amazon Prime Rewards Visa Signature card offers a great 5 percent rate on Amazon and Whole Food purchases, but Prime membership requires a high $119 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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