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.
Chase Freedom Unlimited®
Last reviewed: April 18, 2022
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.
Capital One SavorOne Student Cash Rewards Credit Card
Last reviewed: May 17, 2022
A generous cash back rate in a variety of practical everyday categories makes the SavorOne Student card a solid starter cash back card, but the card’s APR could pose a risk to students new to credit
Capital One SavorOne Cash Rewards Credit Card
Last reviewed: May 17, 2022
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% rate.
Bank of America® Customized Cash Rewards credit card
Last reviewed: May 10, 2022
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.
Chase Freedom Flex℠
Last reviewed: April 18, 2022
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.
Power Cash Rewards Visa Signature® Card
Last reviewed: April 29, 2022
The PenFed Power Cash Rewards Visa Signature card awards 2 percent cash back, but only PenFed members can apply.
Discover it® Cash Back
Last reviewed: May 2, 2022
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.
Citi Custom Cash℠ Card
Last reviewed: May 10, 2022
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.
Blue Cash Preferred® Card from American Express
Last reviewed: May 6, 2022
Despite its 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 carpool 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 rewards rate you can get when you use your card at U.S. supermarkets.
Ink Business Cash® Credit Card
Last reviewed: May 17, 2022
If you’re determined to keep costs to a minimum, the Chase Ink Business Cash Credit Card offers a lot of cash back on your business purchases — including purchases made on employee cards — for no annual fee.
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Last reviewed: May 19, 2022
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.