Best cash back deals

supermarkets, making the annual fee more than worth it if you spend a lot on groceries. Read our full Blue Cash Preferred Card review. The Bank of America Unlimited Cash Rewards credit card offers a well-balanced package of features, including an elevated cash rewards rate on all purchases.

But qualifying Bank of America loyalists can receive a cash back boost that transforms the card into one of the most lucrative flat-rate cash back cards available. Read our full Bank of America Unlimited Cash Rewards credit card review. Since its bonus category automatically adjusts based on where you spend most, this card can be a great option if you want a simple rewards card.

Read our full Citi Custom Cash Card review. Terms apply Earn unlimited 1. This card earns an unlimited flat cash back rate and comes with a few enticing perks and benefits, plus a solid welcome offer. Read our full Capital One Quicksilver Cash Rewards Credit Card review.

Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. Read our full Discover it® Cash Back review. Earn 2. This card combines the convenience of a credit card with the predictability of an installment loan, allowing you to earn rewards as you pay off purchases at a fixed interest rate.

In fact, it carries one of the highest flat cash back rates you can get with no annual fee. Read our full Upgrade Cash Rewards Elite Visa® review. Intro offer is not available for this USAA credit card. Earn unlimited 1. This card's unlimited flat rewards rate, straightforward redemption options, intro purchase APR offer and potentially low ongoing APR should appeal to USAA members looking for a streamlined rewards card.

The stellar rewards rate is the card's standout feature, but the relatively lengthy intro APR for both purchases and balance transfers makes it hard to pass up if you want to earn rewards and save on interest during the intro period. Learn more: Wells Fargo Active Cash benefits guide. Read our Wells Fargo Active Cash Card review or jump back to offer details.

Read our Bank of America Customized Cash Rewards credit card review or jump back to offer details. Best for dining and entertainment rewards. Not only does it have various ways to earn if you are a foodie, its entertainment category packs in a lot of value.

Purchases that would earn just 1 percent back with most other cash back cards, like movie tickets and sporting events, earn 3 percent cash back too. Restaurant-goers, grocery shoppers and even social butterflies can find something to love about this card.

Read our Capital One SavorOne Cash Rewards Credit Card review or jump back to offer details. The rewards structure incentivizes you to stay on top of your payments.

Hands-off rewards earners. Cardholders get a straightforward cash back card for no annual fee without tracking or enrolling in tiered categories. If you want to make a large purchase and save on interest charges during an intro offer, consider the Wells Fargo Active Cash Card.

It earns the same flat rate rewards on purchases but comes with a long intro APR offer for purchases and balance transfers. Learn more: Why expert Holly Johnson loves the Citi Double Cash Card. Best for grocery rewards. Best for Bank of America customers. While the card has a solid cash back rate on general spending, it also boasts a decent intro APR and welcome offer for no annual fee.

Learn more: Is the Bank of America Unlimited Cash Rewards card worth it? Read our full Bank of America Unlimited Cash Rewards credit card review or jump back to offer details.

Best for automatic bonus category. For example, the Capital One SavorOne earns unlimited rewards on dining, entertainment, grocery stores and more. Best for 1. If you spend most in a specific category like groceries or gas, consider cards that earn bonus rewards in those categories.

The Bank of America® Customized Cash Rewards credit card even gives cardholders the option to change their highest cash back category once per calendar month.

Best for rotating cash back categories. It's possible to earn more with a flat-rate cash rewards card like the Citi Double Cash Card or Wells Fargo Active Cash without the hassle of activating new bonus categories each quarter.

Best for personal loan alternative. Best for USAA members. Along with its streamlined cash back program, this card carries a generous intro purchase APR offer and a chance at a low ongoing APR, so it could strike a nice balance if you want a simple way to earn rewards while minimizing interest charges.

A card like the Citi Double Cash Card should offer better long-term value since it earns 2 percent cash back on all purchases 1 percent when you buy and 1 percent when you pay off purchases. Read our full USAA Preferred Cash Rewards Credit Card review or jump back to offer details.

You can also pool your points for a high redemption value in travel through Chase Ultimate Rewards. People who only want a single everyday rewards card and frequent travelers looking to avoid annual fees and earn bonus rewards on more than just travel.

Best for fair credit. Credit-builders who want to earn cash back and extend the ongoing value of their credit-building card. Best for online shopping. The card features one of the highest year-round reward rates for online shopping at Amazon.

com, which includes Whole Foods Market. Whole Foods shoppers and Amazon Prime members who can take advantage of 5 percent back for both online purchases and groceries, a rare offer. Best for 2. Best for bad credit. Best for customizable rewards.

Cash back credit cards reward you for eligible purchases by giving you a percentage of your purchase price back. The flexibility, simplicity and ongoing value of cash back cards make them one of the more popular types of credit cards on the market. Chances are if you frequently spend on groceries , gas or other essentials, there's a cash back card that's a great fit for your wallet.

While cash back cards can put hundreds of dollars per year back into your wallet, they can also come with drawbacks. Here are some advantages and disadvantages of carrying a cash back card. Earn rewards : If you pick a card that fits your spending habits, you can earn some extra cash every month just by using your credit card.

Build credit : Used responsibly, a cash back credit card can help you improve your credit score by adding to your credit history. Sign-up bonuses : A first-year sign-up bonus or welcome offer can be worth a few hundred dollars if you can meet the spending requirement.

Some cards also hit you with a higher penalty APR if you are late making a payment, which can last a year or more. Can be high maintenance : Some cards require you to periodically activate or enroll in your cash back category to earn cash back rewards. Fewer travel perks : You might not see a ton of travel benefits on cash back cards, like lounge access, free hotel room upgrades or a TSA Precheck application statement credit.

Cash back cards come in many forms. The best one for you depends on your spending habits and lifestyle. Before you apply, make sure you know the types of cash back cards available. Flat-rate cash back cards offer the same rewards rate for each eligible purchase.

Tiered cash back cards offer different rates of cash back for different types of purchases, plus a flat rate of cash back on everything else. For example, a tiered card may offer a boosted cash back rate of 3 percent on restaurant purchases, while all other purchases earn 1.

To maximize your cash back earnings, carry multiple tiered cards that reward your most common purchases at high rates. Some credit cards offer bonus categories that change based on your preferences, your spending habits or the time of year.

Here are a few of the most common bonus category structures. Some of the most lucrative cash back credit cards require a paid membership. Co-branded credit cards with membership requirements generally let you earn rewards and extra perks at specific stores or service providers.

Some credit unions also offer cash back card options to their members. Since credit unions are controlled and financed by members themselves, these members will often reap the benefits of more favorable interest rates and fewer banking and penalty fees than a not-for-profit institution.

Membership requirements vary by credit union. Cash back cards differ in the reward categories they offer, though there are a few common categories you can expect to find. This should be your starting point. Most of the best cash back credit cards require at least good credit.

Evaluate your expenses to determine which cards reward the highest for your top spending categories. Be sure the places you shop most are eligible for rewards based on how each card defines its bonus categories. A card's sign-up bonus can add significantly to its short-term value.

Make sure the spending requirement is fairly easy to reach, as carrying a balance will cut into your earnings. Flat-rate credit cards are a great option to earn consistent cash back on all purchases with minimal effort. Bonus category cash back cards can offer higher cash back rates but require strategic spending to maximize rewards.

Factor ongoing costs of keeping the card. For instance, you might decide a card's annual fee is worth it if you can offset the cost with rewards and perks.

Interest rates and common credit card fees , like late charges and balance transfer fees, can also eat into your cash back earnings. Cash back cards may come with an assortment of perks that can add value to your wallet, such as statement credits on select subscription services.

Rotating category cards typically require you to enroll in or activate your bonus cash back categories for the upcoming quarter to earn the higher bonus rate. Welcome bonuses can deliver a substantial amount of value, and some cards are worth getting for the welcome bonus alone.

Leaving this value on the table is a missed opportunity. Just make sure you won't have to overspend to meet the spending requirement. A combination of cards will allow you to maximize your cash back opportunities when making purchases. Shopping portals are common on many cash back cards.

When I first got into rewards strategy, I went a little overboard, carrying a card for every spending category I could think of, constantly switching based on where I was shopping or which bonus category was available in a given quarter.

I even had a spreadsheet I used to track my purchases and cash back earnings. It eventually became a headache, though. Now I take a more streamlined approach, focusing on a few key spending categories as I try to strike a balance between high earnings and low maintenance.

Is my stack perfect? Definitely not. I still have a co-branded airline card, a rotating category card and a specific online retailer card sitting around, and using them could help me squeeze a little more earnings out of my purchases.

But for now, five cards is plenty to juggle. People who spend across a wide variety of categories can often combine cards from the same issuer for greater effect. For example, by having a Chase Freedom Flex, Chase Freedom Unlimited and a Chase Sapphire card, you can use the Chase Trifecta 's bonus categories to maximize rewards.

Americans are starting off by breaking records, though not the kind we should celebrate. Credit card delinquency remains low, according to the Fed, but carrying a balance for any length of time usually means people are paying more for their purchases than the purchase price.

Pay your balances in full and on time at the end of each statement period to avoid carrying interest on your account. This could help you move towards using your cards as a financial tool and not a crutch. When evaluating the best cash back cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks.

Whenever possible, we also feature cards that are available at various credit levels and price points. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. We also estimate the redemption value of points or miles from various rewards programs.

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards. The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

We also score cards based on how much it costs to keep them in your wallet or carry a balance. To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee.

After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards.

We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners. In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.

See the respective Guide to Benefits for details, as terms and exclusions apply. The card details have not been reviewed or approved by the card issuer. The right credit card for you will depend on your spending habits and the perks that matter most to you.

Travel cards are great for people who know they want to redeem rewards for travel expenses like airline and hotel bookings. Travel cards also make sense if you want perks like hotel or airline elite status, free checked bags , free hotel stays or airport lounge access.

But even some of the best travel credit cards for beginners charge an annual fee, and the fee for premium travel cards that offer luxury perks can be quite high. Cash back cards can be simpler to use and offer more flexibility in how you can earn and redeem rewards, with some allowing you to use rewards for cash back, travel spending and more.

You may not receive cold, hard cash, but issuers offer redemption options like a direct deposit into a checking account, mailed checks, statement credits or gift cards. Perhaps the closest you can get to redeeming rewards for physical cash is through a Wells Fargo card that allows you to redeem for cash withdrawals at eligible ATMs.

It depends on how you plan to redeem your rewards. If you plan to deposit your cash rewards into a high-yield savings account, it's best to redeem often so that you don't lose out on interest. However, if you prefer to use your rewards for travel, you might save up your rewards to help cut future travel costs.

In fact, your cash back might be worth more if you redeem through an issuer's travel portal , like Chase Ultimate Rewards. To maximize your earnings, check your issuer's redemption options and be strategic in how and when you redeem.

Flat-rate cards do not require any pre-planning, which is great. You buy what you buy and earn cash back at the same rate for everything. To make the most of cash back cards that have rotating categories, however, you have to pay a bit more attention. For example, if a card offers 5 percent cash back at Amazon in Q4, you may consider doing most of your holiday shopping through that site.

I like to have both a flat-rate and rotating cash back card in my wallet — particularly a flat-rate card that earns at a higher rate usually 1. I have found the most difficult part of maximizing rotating category cash-back cards is keeping track of which categories are currently earning bonus cash back.

Setting reminders and keeping a rewards calendar helps, especially if you have multiple cards of each type. Of course, you also want to make sure you are putting the right expense on the right card to maximize the rewards. Every reasonable effort has been made to maintain accurate information.

However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. The information, including card rates and fees, is accurate as of the publish date.

All products or services are presented without warranty. Apply for a credit card with confidence. When you find your odds, you get:. A personalized list of cards ranked by likelihood of approval.

No credit hits. Your personal information and data are protected with bit encryption. That means:. All of your personal information is protected with bit encryption. Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds.

Your financial information, like annual income and employment status, helps us better understand your credit profile. Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible.

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan.

Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio DTI which is your monthly debt payments divided by your pre-tax monthly income.

Why does DTI matter? We need the last four digits of your social security number to run a soft credit pull. com Travelocity Agoda. Finish Line Nike Adidas Foot Locker. Browse our top offers. Discover Green Cash Back. We've made it easy for you to find brands that support ethical and sustainable choices.

From sustainable production and ethical sourcing, to protecting the world that supports us. Here to help. Getting Started Customer Service FAQs. Other ways to save.

Get to know us. About TopCashback Rakuten Vs Ourselves. Get involved. Affiliate Program Press Office Careers In the News Vulnerability Disclosure. Legal stuff. Global sites UK CN JP DE FR AU IT. Site language. У вас есть возможность перевести сайт на русский язык, используя выпадающий список в нижней части страницы.

The study, which includes responses from nearly 28, credit card customers, ranks national card issuers based on six factors: benefits and services, communication, credit card terms, interaction, key moments, and rewards.

And if you accidentally miss a payment, Discover waives the fee the first time. A cash back credit card is a type of credit card that allows users to earn a percentage of their spending back in the form of cash rewards. Depending on the card, cash back rewards can be a flat rate e.

Some cards may also offer promotional periods with higher cash back percentages or bonuses for spending certain amounts within a specified timeframe. Learn more about how cash back cards work. Yes many credit cards offer cash back, where you earn a percentage of your purchases back as a reward. Over time, these rewards add up and can be redeemed in various ways, such as a statement credit, check, or deposit into a bank account.

Learn more about maximizing cash back rewards. If you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway.

There is no downside to earning cash back. Missing payments results in late fees and harm to your credit. To bring you our top picks for the best cash back credit cards, the Fortune Recommends TM team compared approximately 40 cash back rewards cards available from major issuers.

Keep in mind that the rewards, interest rates, and fee structures for the cards mentioned are available for limited periods and subject to change, which could impact how much cash back you earn.

Additionally, only cards with an explicit cash back rate were considered; cards offering points or other non-cash back rewards were excluded from our rankings.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying. Follow Fortune Recommends on Facebook and Twitter.

The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best

16 Best Cash Back Credit Cards of February 2024

Best for restaurants: Capital One SavorOne Cash Rewards Credit Card · 8% cash back on Capital One Entertainment purchases · 5% cash back on $ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those: Best cash back deals
















By Factors affecting approval. Gift Cards. Best cash back deals : Csh you prefer dealls simplicity of a traditional flat-rate credit card, the Wells Fargo Active Cash® Card has a straightforward welcome bonus and earns an unlimited 2 percent cash rewards on eligible purchases. Editorial integrity is central to every article we publish. Instead of redeeming your reward for cash back, you select the eligible charity you wish to donate your rewards to. Review the perks Cash back cards may come with an assortment of perks that can add value to your wallet, such as statement credits on select subscription services. What is a cash-back credit card? This helps us locate your profile and identify cards that you may qualify for. But cash-back cards tend to reward purchases in essential categories for many Americans: gas, groceries, streaming services, and more. Plus this no-annual-fee card has enough additional benefits to give the Blue Cash Everyday Card and even some cards with an annual fee a run for their money. The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best No personal Capital One–branded cash back credit card offers a higher flat rate for all spending. It's a great option if your spending doesn't conform to Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives ; Chase Freedom Unlimited®: Best for Bonus rewards: 5 11 Best cash back credit cards for February ; Wells Fargo Active Cash® Card · Rating: stars out of 5. ; Bank of America® Customized Instacart Mastercard®: Best feature: Grocery rewards. Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Discover it® Chrome: Best feature: Gas Best cash back deals
Cash cassh king Best cash back deals flexibility. Deaals rewards for the Costco shopper Costco Anywhere Visa® Card by Citi. Find the right credit card for you. and Christina Ly. Flat cash-back cards usually offer 1. Blue Cash Everyday® Card from American Express. The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you're a victim of identity theft. Online shopping is another key category for me, so this card is quite versatile. The Bank of America® Unlimited Cash Rewards credit card is one of many 1. Discover it® Cash Back. A straightforward rewards structure and flexible redemption options are just some of what make cash back credit cards great. Our Review : With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card beats out many cashback credit cards. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best With % cash back on essentially all types of purchases, Alliant Cashback Visa Signature offers the highest across-the-board rewards rate of After your first year or $20, spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best Best cash back deals
But Bestt even better dsals that the Chase Freedom Unlimited can be paired Best cash back deals a premium Chase credit card, such as the Chase Sapphire Cahs Best cash back deals cawh Chase Sapphire Reserve, to Loan rate comparison tool up the cawh of the rewards when used for travel. We're simply caash by Best cash back deals advertisements and promotions dotted around the site and sometimes retailers will also pay us a bonus if we send a lot of shoppers their way. Everything else : The Citi Double Cash. To choose the best card for your needs, you'll need to consider several factors. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. gas stations. Save hundreds of dollars each year from all the top 7, online retailers. Another way to avoid mismatched spending habits is to choose a flat-rate cash back card. Bank-issued travel rewards, such as Chase Ultimate Rewards and Capital One miles, are much more useful than airline miles or hotel points for a few reasons. To get the most from your cash-back credit card, first match it with your spending habits. Apply Now. However, you can inquire in-store to see whether you are targeted for a bonus. It combines a strong base rewards rate with an introductory APR offer and high travel rewards when you book through Chase Ultimate Rewards. It can also depend on if the card earns more on certain categories, or the same percentage on all purchases. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best $ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category Cash Back Deals ; Earn a $ statement credit after you spend $2, in purchases on your new Card within the first 6 months. No Annual Fee. Balance Transfer is Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards The best credit card that gives 3% cash back in major spending categories is Chase Freedom Unlimited®. It offers 5% cash back on travel through Find the best cash back credit cards with help from The Points Guy to earn real dollars back on your everyday purchases without worrying about redeeming Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards Best cash back deals

Instacart Mastercard®: Best feature: Grocery rewards. Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Discover it® Chrome: Best feature: Gas Find the best cash back credit cards with help from The Points Guy to earn real dollars back on your everyday purchases without worrying about redeeming Cash Back Deals ; Earn a $ statement credit after you spend $2, in purchases on your new Card within the first 6 months. No Annual Fee. Balance Transfer is: Best cash back deals
















You can choose from general travel credit cards, airline credit cards and baxk credit cards. What is bavk cash-back credit Gig economy opportunities alternatives Edited by Nouri Zarrugh Arrow Right Senior Editor, Credit Cards. Pros: Why it's worth getting a cash-back card. If you need to transfer a balance, look for a balance-transfer credit card. View All Citi Custom Cash® Card Details. Blog Browser Extension. The information, including card rates and fees, is accurate as of the publish date. After that, the variable APR of Check your credit score This should be your starting point. The flat-rate rewards may appeal to those seeking simplicity in their credit card, and the introductory APR is one of the longest on the market. Gift Cards. We also estimate the redemption value of points or miles from various rewards programs. Keep reading to learn more about some of the best cash-back credit cards on the market, chosen by our team of experts. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best $ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards The Bank of America® Customized Cash Rewards credit card offers 3% back on a category of your choice, which among others includes gas, dining Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more No personal Capital One–branded cash back credit card offers a higher flat rate for all spending. It's a great option if your spending doesn't conform to Best for cash back for Preferred Rewards Members: Bank of America® Unlimited Cash Rewards credit card. Best features: If you're a Bank of Best cash back deals
What is a cash-back bqck card? Finish Line Nike Deald Foot Locker. How Many Credit Cards is Too Many? Shonda Martin is the founder of Road Toa credit repair and wealth program. Other ways to save. You are then able to cash out your rewards via options such as a statement credit, a check, a deposit in your checking account, etc. What to know first Eliminating high-interest debt and building healthy credit habits are essential prerequisites to enjoying the perks of a rewards credit card. They are cash-back cards to carry:. Why we like this card At first glance, the Bank of America® Unlimited Cash Rewards credit card looks a lot like the other flat-rate cash back credit cards on the market — and, candidly, it is. You can use a similar trifecta strategy for earning more on all your purchases with a Citi threesome. The cap on bonus rewards means the card is better for cheaper getaways, like a long weekend. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best No personal Capital One–branded cash back credit card offers a higher flat rate for all spending. It's a great option if your spending doesn't conform to The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those After your first year or $20, spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore Best for restaurants: Capital One SavorOne Cash Rewards Credit Card · 8% cash back on Capital One Entertainment purchases · 5% cash back on Walmart. Up to 3% Cash Back. Everyday low prices, guaranteed satisfaction. phimxes.info Up to 6% ; phimxes.info Up to 6% Cash Back. Prioritize your downtime with Best cash back deals
It's important to note the value of a point or mile varies from card Bestt Best cash back deals and Best cash back deals on how you redeem them. Cadh back is Bst to earn and use. Bxck 5 Streamlined loan management out of 5. There are three scenarios when cash-back cards are useful for travel. Cash-back credit cards offer the most useful and flexible rewards currency there is: cash. Terms apply; see rates and fees. We break down these tiers as follows: Tier 1 includes fewer features than even standard credit cards for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits. With a flat rate and no annual fee, this card is a solid low-maintenance option for someone just getting started earning cash back rewards. Cash-back cards are easy to understand and use, but they can also seem boring. com with your Blue Cash Preferred® Card. Discover will match the cash back you earn during the first year with no minimum spending requirement or cap on the match. Last step! The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best Find the best cash back credit cards with help from The Points Guy to earn real dollars back on your everyday purchases without worrying about redeeming Walmart. Up to 3% Cash Back. Everyday low prices, guaranteed satisfaction. phimxes.info Up to 6% ; phimxes.info Up to 6% Cash Back. Prioritize your downtime with Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more Cash back credit cards give you a percentage of your qualifying purchase back as a reward. For instance, a card that earns 5% cash back on Cash Back Deals ; Earn a $ statement credit after you spend $2, in purchases on your new Card within the first 6 months. No Annual Fee. Balance Transfer is The Cashback Rebates website that passes back higher rates to its members than anyone else, at over merchant stores Best cash back deals

$ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category The best credit card that gives 3% cash back in major spending categories is Chase Freedom Unlimited®. It offers 5% cash back on travel through Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards: Best cash back deals
















at Citi's secure hack. CreditDonkey is dwals a substitute for, and should not be used as, professional legal, credit csah Best cash back deals advice. The card offers additional deaks with its Best cash back deals APR on purchases and balance transfers. We Speedy business funding the last four digits of your social security number to run a soft credit pull. Gas: Some cards allow you to earn cash back at any gas station, though some cobranded cards only allow you to earn at specified locations. It also charges fewer fees than the typical credit card and comes with a sign-up bonus not always found on flat-rate cash back cards. Cash-back cards to carry while traveling in the U. Travel cards usually offer protections including things like travel accident or rental car insurance, and may even offer annual statement credits. Common categories on cash back credit cards Cash back cards differ in the reward categories they offer, though there are a few common categories you can expect to find. How to calculate cash back Exactly how much cash you earn back per purchase will vary depending on the terms of your card and the type of purchase you make. Earn rewards for online shopping Blue Cash Everyday® Card from American Express. Among different types of reward cards , cash-back credit cards can be some of the simplest to use. What's your estimated annual income? To qualify, you need to meet a few requirements: attend a two- or four-year college, be over 18 and a U. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best No personal Capital One–branded cash back credit card offers a higher flat rate for all spending. It's a great option if your spending doesn't conform to After your first year or $20, spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore $ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category With % cash back on essentially all types of purchases, Alliant Cashback Visa Signature offers the highest across-the-board rewards rate of The Bank of America® Customized Cash Rewards credit card offers 3% back on a category of your choice, which among others includes gas, dining $ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category Best cash back deals
All products or Best cash back deals deaps presented without Credit rehab strategies. From there, dealz broke out several categories and Besg how much the average spender could earn Besg Best cash back deals card. Pay your balances in Debt relief resources and on time at deaals end Best cash back deals each statement period to avoid carrying interest on your account. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. In fact, your cash back might be worth more if you redeem through an issuer's travel portallike Chase Ultimate Rewards. Cash back is easy to earn and use. Contactless Cards - The security of a chip card, with the convenience of a tap. Money Credit Cards. I use this card for all purchases that fall outside of groceries, gas, dining, travel and online shopping. Pros No annual fee. Read our Upgrade Cash Rewards Elite Visa card review or jump back to offer details. Related : Citi Custom Cash card rewards and benefits guide. and Christina Ly. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best $ Online Cash Rewards Bonus Offer & Earn 3% Cash Back In Your Favorite Choice Category No personal Capital One–branded cash back credit card offers a higher flat rate for all spending. It's a great option if your spending doesn't conform to Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more Best cash back deals
Follow Fortune Recommends on Facebook and Twitter. Features 3. Learn more: Bcak Fargo Flexible loan payment plans Cash benefits guide. Deasl method also avoids giving an unfair advantage to cards with large welcome bonuses. If you want an even more streamlined experience, you can automate the redemption process for certain dates or cash values. Here are some examples:. Discover Green Cash Back. NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. Earning and redeeming rewards is generally straightforward. Learn more: Wells Fargo Active Cash benefits guide. Many cash back cards carry low-to-no annual fees. Instead, look for a cash-back credit card that matches your natural spending habits. Use a trifecta. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards Walmart. Up to 3% Cash Back. Everyday low prices, guaranteed satisfaction. phimxes.info Up to 6% ; phimxes.info Up to 6% Cash Back. Prioritize your downtime with With % cash back on essentially all types of purchases, Alliant Cashback Visa Signature offers the highest across-the-board rewards rate of Best cash back deals

Best cash back deals - Instacart Mastercard®: Best feature: Grocery rewards. Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Discover it® Chrome: Best feature: Gas The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best

The rewards structure is nearly identical. Bonus categories include gas stations, wholesale clubs, gyms and more—the exact categories available depend on the Chase cash back calendar. Finally, in addition to extended warranty, purchase, and travel protections, the Freedom Flex also comes with cell phone insurance.

The Capital One SavorOne Rewards card ensures you get plenty of value out of your card right away with one of the highest earning rates on both dining and groceries for a card with no annual fee. Plus, get you Uber One membership fees covered through November November 14, For more info on the SavorOne card check out our full review.

The Chase Freedom® Rise card is a great option for students who are just starting out with managing their finances and credit. What good is a cash back card if managing it is a struggle? For one, Discover ranked second overall in the J.

Power U. Credit Card Satisfaction Study with a score of The study, which includes responses from nearly 28, credit card customers, ranks national card issuers based on six factors: benefits and services, communication, credit card terms, interaction, key moments, and rewards.

And if you accidentally miss a payment, Discover waives the fee the first time. A cash back credit card is a type of credit card that allows users to earn a percentage of their spending back in the form of cash rewards. Depending on the card, cash back rewards can be a flat rate e.

Some cards may also offer promotional periods with higher cash back percentages or bonuses for spending certain amounts within a specified timeframe.

Learn more about how cash back cards work. Yes many credit cards offer cash back, where you earn a percentage of your purchases back as a reward.

Americans are starting off by breaking records, though not the kind we should celebrate. Credit card delinquency remains low, according to the Fed, but carrying a balance for any length of time usually means people are paying more for their purchases than the purchase price.

Pay your balances in full and on time at the end of each statement period to avoid carrying interest on your account. This could help you move towards using your cards as a financial tool and not a crutch.

When evaluating the best cash back cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks.

Whenever possible, we also feature cards that are available at various credit levels and price points. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. We also estimate the redemption value of points or miles from various rewards programs.

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards. The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

We also score cards based on how much it costs to keep them in your wallet or carry a balance. To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value.

However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees. That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards?

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.

See the respective Guide to Benefits for details, as terms and exclusions apply. The card details have not been reviewed or approved by the card issuer. The right credit card for you will depend on your spending habits and the perks that matter most to you. Travel cards are great for people who know they want to redeem rewards for travel expenses like airline and hotel bookings.

Travel cards also make sense if you want perks like hotel or airline elite status, free checked bags , free hotel stays or airport lounge access. But even some of the best travel credit cards for beginners charge an annual fee, and the fee for premium travel cards that offer luxury perks can be quite high.

Cash back cards can be simpler to use and offer more flexibility in how you can earn and redeem rewards, with some allowing you to use rewards for cash back, travel spending and more.

You may not receive cold, hard cash, but issuers offer redemption options like a direct deposit into a checking account, mailed checks, statement credits or gift cards. Perhaps the closest you can get to redeeming rewards for physical cash is through a Wells Fargo card that allows you to redeem for cash withdrawals at eligible ATMs.

It depends on how you plan to redeem your rewards. If you plan to deposit your cash rewards into a high-yield savings account, it's best to redeem often so that you don't lose out on interest.

However, if you prefer to use your rewards for travel, you might save up your rewards to help cut future travel costs. In fact, your cash back might be worth more if you redeem through an issuer's travel portal , like Chase Ultimate Rewards.

To maximize your earnings, check your issuer's redemption options and be strategic in how and when you redeem. Flat-rate cards do not require any pre-planning, which is great. You buy what you buy and earn cash back at the same rate for everything. To make the most of cash back cards that have rotating categories, however, you have to pay a bit more attention.

For example, if a card offers 5 percent cash back at Amazon in Q4, you may consider doing most of your holiday shopping through that site. I like to have both a flat-rate and rotating cash back card in my wallet — particularly a flat-rate card that earns at a higher rate usually 1.

I have found the most difficult part of maximizing rotating category cash-back cards is keeping track of which categories are currently earning bonus cash back.

Setting reminders and keeping a rewards calendar helps, especially if you have multiple cards of each type. Of course, you also want to make sure you are putting the right expense on the right card to maximize the rewards.

Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Apply for a credit card with confidence. When you find your odds, you get:. A personalized list of cards ranked by likelihood of approval.

No credit hits. Your personal information and data are protected with bit encryption. That means:. All of your personal information is protected with bit encryption. Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds.

Your financial information, like annual income and employment status, helps us better understand your credit profile. Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible.

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties.

You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan. Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio DTI which is your monthly debt payments divided by your pre-tax monthly income.

Why does DTI matter? We need the last four digits of your social security number to run a soft credit pull. We need the last four digits of your Social Security number to run a soft credit pull. This helps us locate your profile and identify cards that you may qualify for. Your information is protected by bit encryption.

A soft credit pull will not affect your credit score. Last step! Once you enter your email and agree to terms:. Your approval odds will be calculated.

A personalized list of cards ranked by order of approval will appear. Your odds will display on each card tile. Enter your email address to activate your approval odds and get updates about future card offers.

You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results.

You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer. To apply for a product you will need to submit an application directly with that provider.

Seeing your results won't hurt your credit score. Applying for a product may impact your score. See partner for complete product terms. Show less. This often happens when the information that's provided is incorrect. Please try entering your full information again to view your approval odds.

Before you apply You get:. Access to special card offers from top issuers in our network. You can check out other cards that are a better fit. Credit Cards Cash Back Advertiser Disclosure Advertiser Disclosure Bankrate. Steve Dashiell. Written by Steve Dashiell Arrow Right Editor, Credit cards.

Nouri Zarrugh. Edited by Nouri Zarrugh Arrow Right Senior Editor, Credit Cards. Jason Steele. Reviewed by Jason Steele Arrow Right Former contributor, Credit Cards.

Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped over , users compare cash back cards in Circle Check We valued and compared over 50 cash back programs.

Lightbulb Over 47 years of experience helping people make smart financial decisions. The Bankrate Promise. User We helped over , users compare cash back cards in Why choose Bankrate The Bankrate Promise.

The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions. View card list Collapse Caret Up. Table of contents Collapse Caret Up. Increase your odds of finding the perfect card. Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like.

See your approval odds. Featured cash back Card. Apply now Lock on Wells Fargo's secure site. Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card. Rating: 4. Bankrate review. appOddsOn { aoProduct. Apply now Lock. Intro offer. Annual fee. Regular APR. Pros This card offers one of the highest flat cash rewards rates available for a no-annual-fee card.

In addition to a lengthy intro APR, you can also take advantage of varied redemption options like redeeming cash rewards at a Wells Fargo ATM. The 3 percent foreign transaction fee could eat into cash rewards if you use this card abroad. Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

No categories to track or remember and cash rewards don't expire as long as your account remains open. Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card. Apply now Lock on Bank of America's secure site. Pros You can swap your choice category once per calendar month to maximize rewards based on your spending habits.

Cons The spending cap on your highest earning categories could hamper your earning potential. It carries a high sign-up bonus spending requirement twice as high as some rivals in the cash back card category. That means you could earn 3. Contactless Cards - The security of a chip card, with the convenience of a tap.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. Best for restaurants. Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card.

Rating: 5 stars out of 5. Apply now Lock on Capital One's secure site. Pros You can earn additional bonus rewards for purchases made through the Capital One Entertainment and Travel portals. With no spending caps, your earnings are unlimited.

Cons Beware of redeeming cash rewards on Amazon. Its ongoing APR is on the high side and could prove pricey if you tend to carry a balance. Citi Double Cash® Card Citi Double Cash® Card. Apply now Lock on Citi's secure site. Pros If you pair this card with the Citi Premier® Card, you can transfer points to airline and hotel partners and potentially enjoy a higher redemption value.

You don't have to keep track of spending category restrictions or rotating categories. Cons You could earn more with a card that offers a higher rewards rate in your biggest spending categories.

After that, the variable APR will be Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month.

Best for groceries. Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express. Apply now Lock on American Express's secure site. Cons Purchases at wholesale clubs, superstores like Walmart , and specialty stores bakeries, farmers markets, etc.

supermarket bonus category and only earn 1 percent back. You can only redeem cash rewards as a statement credit, so you don't have much flexibility in redemption options.

Plans created after that will have a monthly plan fee up to 1. After that, your APR will be a variable APR of Variable APRs will not exceed gas stations. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.

com checkout. com with your Blue Cash Preferred® Card. Enrollment required. Terms Apply. Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card. Rating: 3. Rewards details Caret Down 1. The card offers additional features with its intro APR on purchases and balance transfers.

Cons This card is light on benefits and perks compared to other cash back cards. That means you could earn 1. No annual fee. Citi Custom Cash® Card Citi Custom Cash® Card. You likely won't miss out on cash back rewards because you can earn in popular categories like gas and groceries, in addition to more select picks like fitness clubs and live entertainment.

You may need to pair this card with another rewards card since you only earn the elevated cash back rate in one eligible category per month. No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

No Annual Fee Citi will only issue one Citi Custom Cash® Card account per person. Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card.

Terms apply 1. The sign-up bonus has one of the lowest spend requirements around, so it's easy to attain. Take this card abroad without having to worry about foreign transaction fees.

Cons Other cards on the market offer a higher flat cash back rate, with several offering 2 percent back or more. A few no-annual-fee cash back cards offer longer intro APR periods on both purchases and balance transfers.

Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site.

Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers. Show More Less Show More Less A straightforward rewards structure and flexible redemption options are just some of what make cash back credit cards great.

Wells Fargo Active Cash® Card. Our rating: 4. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating.

For more information, you can read about how we rate our cards. Add to compare. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score. More information Close. Apply now at Wells Fargo's secure site.

com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Editor's take. Overall rating Our rating: 4.

Rewards Value: 4. APR: 1. Rewards Flexibility: 4. Features: 3. Issuer Customer Experience 2. Pros There are no rotating categories and no enrollment requirements. Rewards never expire as long as your account remains in good standing. Card details. Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

No categories to track or remember and cash rewards don't expire as long as your account remains open. Regular APR View All Wells Fargo Active Cash® Card Details. Bank of America® Customized Cash Rewards credit card. Apply now at Bank of America's secure site. Rewards Value: 3.

Annual Percentage Rate: 3. Rewards Flexibility: 2. Issuer Customer Experience 5. That means you could earn 3. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center.

You can take advantage of this offer when you apply now. View All Bank of America® Customized Cash Rewards credit card Details. Capital One SavorOne Cash Rewards Credit Card. Apply now at Capital One's secure site. Annual Percentage Rate: 1. Issuer Customer Experience 4. Pros You can earn elevated cash back on dining, entertainment, popular streaming services and at grocery stores, which can be popular and costly everyday expenses.

Generous intro APR on purchases and balance transfers and no annual fee. View All Capital One SavorOne Cash Rewards Credit Card Details. BEST FOR FLAT-RATE CASH BACK. Citi Double Cash® Card. Apply now at Citi's secure site.

To earn cash back, pay at least the minimum due on time. Issuer Customer Experience 3. Excellent intro balance transfer APR and low ongoing interest rate.

No intro APR for purchases, which would be especially helpful for a flat-rate cash back card. After that, the variable APR will be Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month.

View All Citi Double Cash® Card Details. BEST FOR U. Blue Cash Preferred® Card from American Express. Apply now at American Express's secure site. streaming subscriptions. Rewards Value: 5. Rewards Flexibility: 3. Pros Offers perhaps the highest cash back rate for U.

supermarkets available, in addition to a rich platter of other everyday categories. One of the few premium rewards cards to come with an intro purchase and balance transfer APR offer. Worthwhile reward redemption options are limited to statement credits. Plans created after that will have a monthly plan fee up to 1.

After that, your APR will be a variable APR of Variable APRs will not exceed gas stations. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon. com checkout. com with your Blue Cash Preferred® Card. Enrollment required.

Terms Apply. View All Blue Cash Preferred® Card from American Express Details. BEST FOR GROCERY, GAS AND ONLINE REWARDS. Blue Cash Everyday® Card from American Express.

Why we like this card The recently-updated Blue Cash Everyday Card makes it easier for household shoppers to earn more cash back on their everyday spending. Many other cash back cards offer unlimited cash back rates in their bonus categories. supermarket bonus category, which may disappoint people who like to shop around for the best deals.

Bottom Line The Blue Cash Everyday Card is a top choice if your spending and lifestyle habits line up with the rewards and perks.

No Annual Fee. Balance Transfer is back! After that, View All Blue Cash Everyday® Card from American Express Details. BEST FOR CASH BACK FOR PREFERRED REWARDS MEMBERS. Bank of America® Unlimited Cash Rewards credit card.

Our rating: 3. Rewards rate 1. Overall rating Our rating: 3. Rewards Value: 2. APR: 3. Issuer Customer Experience: 5. Why we like this card At first glance, the Bank of America® Unlimited Cash Rewards credit card looks a lot like the other flat-rate cash back credit cards on the market — and, candidly, it is.

Cons Depending on your spending habits and financial portfolio, you may be able to earn more with other cash back credit cards.

Bottom Line The ability to receive a rewards boost makes this a prime choice for existing Bank of America customers who are looking for a flat-rate cash back credit card.

Earn unlimited 1. That means you could earn 1. No annual fee. View All Bank of America® Unlimited Cash Rewards credit card Details. Citi Custom Cash® Card. Rewards Value 3. APR 3. Rewards Flexibility 3. Features 3. Makes an excellent partner card to pair with other ThankYou point-earning and cash back Citi cards.

You only earn boosted cash back in one category per billing cycle, so you may need to track your spending in order to maximize rewards. Bottom Line The Custom Cash Card offers a unique way to earn stellar cash back on a range of categories, but its spending cap makes it an even better partner alongside another Citi ThankYou card.

No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. No Annual Fee Citi will only issue one Citi Custom Cash® Card account per person.

View All Citi Custom Cash® Card Details. BEST FOR UNLIMITED REWARDS. Capital One Quicksilver Cash Rewards Credit Card. Terms apply 1. Rewards Flexibility: 5. Pros Unlimited 1. Generous introductory APR offer on purchases and balance transfers. View All Capital One Quicksilver Cash Rewards Credit Card Details.

Discover it® Cash Back. Apply now at Discover's secure site. Intro offer Cashback Match More information Close Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. Annual Percentage Rate: 4.

Features: 2. Why we like this card Although rotating category cards may seem complicated, Discover makes its card more reliable and lower-cost than competitors. Bottom Line Discover it Cash Back is a lower-cost, more predictable alternative compared to some competing rotating bonus category cards.

Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. Redeem your rewards for cash at any time. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data.

Then Terms and conditions apply. View All Discover it® Cash Back Details. BEST FOR STUDENTS. Discover it® Student Cash Back.

Our rating: 5. Just a dollar-for-dollar match. Overall rating Our rating: 5. Introductory Offer 3. Interest and Fees 3. Rewards Program 5.

supermarkets, consider the Blue Cash Bsst Card. First name. Bqck are Job loss financial aid resources of the main points Beest consider when choosing Best cash back deals caah back credit card:. Pay your balances in full and on time at the end of each statement period to avoid carrying interest on your account. Low bonus requirements. Sign-up bonuses : A first-year sign-up bonus or welcome offer can be worth a few hundred dollars if you can meet the spending requirement.

Best cash back deals - Instacart Mastercard®: Best feature: Grocery rewards. Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Discover it® Chrome: Best feature: Gas The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card. [ jump to details ]. The Wells Fargo Active Cash® Card is a solid option for those Best overall cash back card: Wells Fargo Active Cash® Card ; Best cash back card for those who want the most value: Chase Freedom Unlimited ; Best

Flat cash-back cards earn a standard amount of cash back on everything. Tiered cash-back cards may be what you imagine when you think of a cash-back credit card. These cards earn cash back at different rates across different spending categories.

Tiered cash-back cards can be great for maximizing your spending if you choose a card with great rewards where you spend most. Rotating cash-back cards are unique among rewards credit cards , since your top rewards categories are constantly changing.

The rotating categories can differ year-to-year, but they tend to center around everyday spending. You may, for instance, see categories like groceries , gas, and dining, as well as specific retailers like Target, Walmart, and Amazon. The rewards caps are important to remember with this type of card.

Many cash-back cards charge no annual fee. However, if you are willing to pay an annual fee for your cash-back card, you may get boosted cash-back rates in return.

When we calculated average cash rewards earnings, all the cards with annual fees far outpaced their annual fees in rewards value. The good news is that many of the best cash-back cards available charge no annual fee at all — making it easy to find one that works with any budget.

Cash-back credit cards often offer cash sign-up bonuses after you meet a spending threshold within a certain amount of time after opening your account.

Like with any new card, avoid spending more than you usually would just to meet the bonus threshold. The potential interest charges could quickly eliminate any added value if you have to carry a balance.

Here are a few common bonus categories offered today:. Review your receipts and statements from the past several months to get an idea of where you spend most.

Do you tend to eat at restaurants or order takeout most nights? Or do you stick to a weekly grocery shop for most of your meals?

Do you have a car that takes a lot of miles on for your weekly commute? Or do you rely more on public transportation, supplemented by Uber and Lyft rides? Knowing the details of your own spending habits can help you make the best choice of rewards. These can be among the most lucrative options, especially if your spending falls outside common categories.

But some cash-back options do offer extra benefits that can help you save even more throughout the year. Often, cash-back credit card benefits come from brands that partner with credit card issuers. For example, you may get a small monthly credit toward a subscription or membership.

But if you are already a member or subscriber, they may give you an extra savings boost over time. Make sure you keep regular track of the cash rewards you earn.

You may even be able to set up automatic redemptions once you meet a certain amount of rewards earned. Cash-back cards can be ideal for pairing with other cash-back cards or travel rewards cards to maximize your earnings.

For example, say you already have a travel card you use to earn bonus points on flights, hotels, and rental cars when you travel. You can also open a cash-back card for savings on dining at restaurants, your favorite streaming services, and supermarket shopping. Now, between both cards, you can optimize the majority of your spending while traveling and at home.

If you prefer the simplicity of only cash back, you could do something similar with two cash-back cards. Strategizing card use like this can take some time, but it will help you earn a lot higher cash-back value in the long run.

Just remember to pay your balance off in full and on time each month to get your maximum value. Otherwise, the high interest rates these cards carry could wipe out the amount you earn in rewards — and leave you with mounting debt balances.

Among different types of reward cards , cash-back credit cards can be some of the simplest to use. Instead, you can simply redeem the cash back you earn for statement credits, a deposit into your bank account, or a check. Cash-back cards are also perfect for saving on everyday purchases.

But cash-back cards tend to reward purchases in essential categories for many Americans: gas, groceries, streaming services, and more.

Despite their simplicity, cash-back cards can also be powerful tools. You can get hundreds of dollars in value each year just by spending the amount normally within your budget on a cash-back card. These cards can charge very high variable APRs , and any revolving balance on your account can quickly turn into high-interest debts.

If you want to get any return on your spending with cash back, avoiding taking on debt with your card is important. This point means the type of rewards and the way in which you receive them can be the main factor for determining whether they are considered taxable.

In most cases, the IRS views cash back rewards to be a discount and earnings are not considered taxable income.

However, sign-up bonuses that are given to you directly for just opening the account may be taxable as extra unearned income. See related: Are credit card rewards taxable? This answer will largely depend on how you spend. A credit card that provides more cash back for supermarket purchases might offer the most cash back.

Secured credit cards and student credit cards could be the easiest to qualify for since credit requirements for these types of cards are usually more relaxed.

The Discover it® Secured Credit Card is one of the best examples. Ryan Noonan. Ryan Noonan Ryan Noonan is a former writer for Bankrate and CreditCards. com and is a graduate of the School of Journalism at Ohio State University.

Jeanine Skowronski. Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.

com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Jason Steele. Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since He was one of the original contributors to The Points Guy, and his work has been appearing there since He has also contributed to over of the leading personal finance and travel outlets.

Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world.

Remove a card to add another to compare. Add at least 2 cards to compare. com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards. com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories.

Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Since , CreditCards. com has worked to break down the barriers that stand between you and your perfect credit card. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds.

Every day, we strive to bring you peace-of-mind as you work toward your financial goals. A dedicated team of CreditCards. com editors oversees the automated content production process — from ideation to publication.

These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Editorial integrity is central to every article we publish. Accuracy, independence and authority remain as key principles of our editorial guidelines.

For further information about automated content on CreditCards. com , email Lance Davis, VP of Content, at lance. davis bankrate. Your personal information and data are protected with bit encryption.

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan.

Your email address unlocks your approval odds. By clicking "See my odds" you agree to our Terms of Use including our Prequalification Terms and Privacy Policy. These terms allow CreditCards. com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you.

I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer.

Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Pros and cons How to choose a cash back credit card Make the most of your cash back card Our methodology Frequently asked questions.

On this page Jump to Our top picks Cash back credit card details What are cash back credit cards? Best Cash Back Credit Cards of January Written by: Ryan Noonan Edited by: Jeanine Skowronski Reviewed by: Jason Steele. Why trust us?

Learn more. Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site.

Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.

Show More Less Show More Less A straightforward rewards structure and flexible redemption options are just some of what make cash back credit cards great. Wells Fargo Active Cash® Card. Our rating: 4.

Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Add to compare. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

More information Close. Apply now at Wells Fargo's secure site. com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Editor's take. Overall rating Our rating: 4. Rewards Value: 4. APR: 1. Rewards Flexibility: 4. Features: 3. Issuer Customer Experience 2. Pros There are no rotating categories and no enrollment requirements.

Rewards never expire as long as your account remains in good standing. Card details. Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

No categories to track or remember and cash rewards don't expire as long as your account remains open. Regular APR View All Wells Fargo Active Cash® Card Details.

Bank of America® Customized Cash Rewards credit card. Apply now at Bank of America's secure site. Rewards Value: 3. Annual Percentage Rate: 3. Rewards Flexibility: 2. Issuer Customer Experience 5. That means you could earn 3.

Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. View All Bank of America® Customized Cash Rewards credit card Details.

Capital One SavorOne Cash Rewards Credit Card. Apply now at Capital One's secure site. Annual Percentage Rate: 1. Issuer Customer Experience 4.

Pros You can earn elevated cash back on dining, entertainment, popular streaming services and at grocery stores, which can be popular and costly everyday expenses. Generous intro APR on purchases and balance transfers and no annual fee.

View All Capital One SavorOne Cash Rewards Credit Card Details. BEST FOR FLAT-RATE CASH BACK. Citi Double Cash® Card. Apply now at Citi's secure site. To earn cash back, pay at least the minimum due on time. Issuer Customer Experience 3. Excellent intro balance transfer APR and low ongoing interest rate.

No intro APR for purchases, which would be especially helpful for a flat-rate cash back card. After that, the variable APR will be Balance Transfers do not earn cash back.

Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month. View All Citi Double Cash® Card Details. BEST FOR U. Blue Cash Preferred® Card from American Express.

Apply now at American Express's secure site. streaming subscriptions. Rewards Value: 5. Rewards Flexibility: 3. Pros Offers perhaps the highest cash back rate for U. supermarkets available, in addition to a rich platter of other everyday categories.

One of the few premium rewards cards to come with an intro purchase and balance transfer APR offer. Worthwhile reward redemption options are limited to statement credits. Plans created after that will have a monthly plan fee up to 1.

After that, your APR will be a variable APR of Variable APRs will not exceed gas stations. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon. com checkout. com with your Blue Cash Preferred® Card. Enrollment required. Terms Apply.

View All Blue Cash Preferred® Card from American Express Details. BEST FOR GROCERY, GAS AND ONLINE REWARDS. Blue Cash Everyday® Card from American Express. Why we like this card The recently-updated Blue Cash Everyday Card makes it easier for household shoppers to earn more cash back on their everyday spending.

Many other cash back cards offer unlimited cash back rates in their bonus categories. supermarket bonus category, which may disappoint people who like to shop around for the best deals. Bottom Line The Blue Cash Everyday Card is a top choice if your spending and lifestyle habits line up with the rewards and perks.

No Annual Fee. Balance Transfer is back! After that, You can use a similar trifecta strategy for earning more on all your purchases with a Citi threesome. The cash-back cards would be the formerly mentioned Citi Double Cash® Card and the Citi Custom Cash® Card.

Both of these cards can earn ThankYou points , which can be redeemed for cash or for travel. The travel-focused Citi Premier® Card would be the point-earning card to complete the trio. You can combine the points earned from all three cards.

The cards above are good to use while traveling domestically, but these cards are extra rewarding for such typical travel expenses as restaurants, gas and entertainment venues.

And a sign-up bonus sweetens the deal. Capital One doesn't charge foreign transaction fees on its cards. Both are important features when using a card in a foreign country. The Deserve® Pro Mastercard is good for those new to credit — including newcomers to the U.

The cap on bonus rewards means the card is better for cheaper getaways, like a long weekend. The card doesn't charge foreign transaction fees.

While a NerdWallet survey found that many consumers can get more value out of cash-back cards than travel rewards cards, you can benefit more from a travel card if you:. Are willing to open new credit cards every year or two to snag those usually richer sign-up bonuses. Take advantage of the other perks that travel cards typically offer, such as Global Entry or TSA Precheck application reimbursement, access to airport lounges, and free checked bags.

Not everyone can eat enough room-temperature cheese cubes in an airport lounge to offset the higher annual fees of a travel card. Thankfully, there are cash-back cards that can help pay your expenses — and some that can travel with you, too. To view rates and fees of the Blue Cash Preferred® Card from American Express , see this page.

To view rates and fees of the Blue Cash Everyday® Card from American Express , see this page. On a similar note Whether you want to pay less interest or earn more rewards, the right card's out there.

Just answer a few questions and we'll narrow the search for you. Credit Cards. Cash-Back Credit Cards That Are Great for Travel, Too. Follow the writers. MORE LIKE THIS Credit Cards Cash Back Credit Cards. What to look for in a travel-friendly cash-back card. Cash-back cards to use before you go.

Video

The 5 Best Credit Cards For Cash Back (Ranked)

By Malak

Related Post

5 thoughts on “Best cash back deals”

Добавить комментарий

Ваш e-mail не будет опубликован. Обязательные поля помечены *