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.
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Last reviewed: April 5, 2021
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.
Capital One® Savor® Cash Rewards Credit Card
Last reviewed: May 3, 2021
The Capital One Savor card offers one of the best cash back rates on dining and entertainment purchases combined, but it’s not the best option for some cardholders due to its $95 annual fee.
*All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. Capital One Savor Credit Card is no longer available through CreditCards.com.
Chase Freedom Unlimited®
Last reviewed: January 29, 2021
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.
Navy Federal Credit Union cashRewards Card
Last reviewed: January 7, 2021
With a low APR and up to 1.5 percent cash back on every purchase, this modest credit union card is a great choice for cardholders who plan to carry a balance and want low-maintenance rewards at an affordable price.
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Discover it® Cash Back
Last reviewed: May 6, 2021
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.
Blue Cash Preferred® Card from American Express
Last reviewed: May 6, 2021
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.
Capital One® Walmart Rewards® Mastercard®
Last reviewed: May 3, 2021
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.
Discover it® chrome
Last reviewed: January 8, 2021
A good card for foodies and commuters, the Discover it chrome credit card features an outstanding sign-up bonus that matches your rewards at the end of the year and a solid bonus on restaurant and gas purchases.
PenFed Power Cash Rewards Visa Signature® Card
Last reviewed: May 5, 2021
The PenFed Power Cash Rewards Visa Signature card awards 2 percent cash back, but only PenFed members can apply.
Bank of America® Customized Cash Rewards credit card
Last reviewed: May 4, 2021
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.
RBFCU CashBack Rewards card
Last reviewed: February 23, 2021
Customers of RBFCU can’t do much better than this highly rewarding cash back card, though it’s only available in Texas.