Top cash back cards

Using a cash-back card is like getting paid to spend money that you were going to spend anyway. Big spenders can easily earn hundreds of dollars per year in cash back. Cash back comes in different forms, depending on your card.

Typical options are:. A statement credit making your next credit card bill lower. The main downside of cash-back cards is you can't strategize to get outsized value, like plotting to use airline miles for a first-class ticket that would otherwise cost thousands of dollars.

Like all rewards cards, cash-back cards are best for those who pay off their monthly balances in full. Paying interest on balances will wipe out the value of your cash back.

Flat-rate: Lowest hassle, lower cash-back rate but on everything you buy. Fixed bonus categories: Medium hassle, higher cash-back rate on some purchases. Changing bonus categories: High hassle, highest cash-back rate on some purchases. Choose a flat-rate cash-back card if simplicity is paramount.

A slew of cards offer 1. With many flat-rate cards, you can earn an unlimited amount of cash back. A good example is the Citi Double Cash® Card. Compared with bonus-category cards, detailed below, here are typical advantages and disadvantages of flat-rate cards. Lower cash-back rate on some spending.

Bonus-category cash-back cards come in two main flavors: Bonus categories that stay the same and those that change. An example of a fixed category card is the Blue Cash Preferred® Card from American Express. Terms apply see rates and fees. Fixed-category cards are more complicated than flat-rate cards, but at least you know the bonus categories are always the same.

These cards are the most complicated because they not only have bonus categories to remember, but those categories also can change. Sometimes you can choose to change the categories, picking from a list. The payoff for dealing with that hassle? Bonus categories in the past have included things like restaurants, grocery stores, gas stations, Amazon.

com and more. Compared with flat-rate cards, here are typical advantages and disadvantages of bonus-category cards. Higher rewards rates on some purchases. Cash-back credit cards for small businesses come in the same types: flat-rate, fixed bonus categories and changing categories.

In choosing a type of card, know yourself. Are you a person who will use credit cards strategically? And if others in the household use the same card, will they use it strategically? If you don't remember to use the right card for specific purchases, the higher rewards rate on a bonus-category card may not pay off.

And you might do better overall with a flat-rate card. After you know which type of cash-back card is right for you, choose based on these criteria to get the most cash back:.

High rates for certain categories are great, but all categories aren't created equal. Consider how much you spend in the category regularly. Minimum goals:. A one-time cash bonus is nice because it essentially boosts your rewards in the short term if you can meet the required spending to earn it.

But the rewards rate is more important over the long term. A card without a bonus could still be the right one for you. And some do. If a cash-back card has an annual fee, it has to be so good that it easily makes back that fee every year.

Think of it as a reduction in your annual cash-back total. One way to compare the monetary value of cards is to examine them over three years, using the factors above. Figure your annual cash back on a card for three years, add any sign-up bonus and subtract three years of annual fee.

Consider how complicated one card is versus another. That will mostly be decided by the type of card — flat-rate cards are easier to use than bonus-category cards. But cards in the same category can offer different hassles. For example, some cards with excellent cash-back rates come from credit unions.

In applying, are you willing to join a credit union? Related articles. Which cash back credit cards offer a sign-up bonus? A multi-card strategy allows you to earn more cash back by using two or more cards together.

Bonus-category card s to earn accelerated cash back on certain purchases. In choosing cards, the advice is the same. Pick bonus-category cards based on where you spend a lot of money and cash-back rates. Then, choose a flat-rate card for all other spending. Terms apply. Terms Apply.

Sign-up bonus: INTRO OFFER: Unlimited Cashback Match for all new cardmembers — only from Discover. If you want cards from the same issuer — so you can see your accounts on a single app or webpage:. The Chase Freedom Unlimited® earns at least 1. Citi Double Cash® Card : Which is better for you?

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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.

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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. Discover it® Cash Back Discover it® Cash Back. Apply now Lock on Discover's secure site. Pros Discover matches the cash back you earn at the end of the first year — potentially more valuable than the average no-annual-fee card bonus.

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. Upgrade Cash Rewards Elite Visa® Upgrade Cash Rewards Elite Visa®. Apply now Lock on Upgrade's secure site. Rewards details Caret Down 2. Cons The high-end APR range is much higher than the average card APR and could prove costly if you end up carrying a balance.

If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

BEST FOR LOW APR. USAA Preferred Cash Rewards Credit Card USAA Preferred Cash Rewards Credit Card. Apply now Lock on USAA's secure site.

Pros You don't have to worry about a complicated rewards program or rotating categories. A flat rewards rate makes earning cash back simple and straightforward.

It charges no foreign transaction fees and comes with a few key travel protections, making it an especially great companion for USAA members who live or frequently travel abroad.

Several competing cash back cards offer a higher flat rewards rate — 2 percent back or higher — while still charging no annual fee. Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.

After this time, the variable regular APR of Cash back rewards never expire. Redeem cash back your way, on your schedule. No foreign transaction fees.

See Rates and Fees for details. Card name Best for Cash back highlights Welcome offer Annual fee. Unsorted Caret Caret Up Caret Down. Bankrate review score. Wells Fargo Active Cash® Card. Bank of America® Customized Cash Rewards credit card.

Capital One SavorOne Cash Rewards Credit Card. Citi Double Cash® Card. Blue Cash Preferred® Card from American Express. Bank of America® Unlimited Cash Rewards credit card. Citi Custom Cash® Card. Capital One Quicksilver Cash Rewards Credit Card.

Discover it® Cash Back. Intro Offer: Cashback Match Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover.

Upgrade Cash Rewards Elite Visa®. USAA Preferred Cash Rewards Credit Card. Show 6 more rows. On This Page Compare our top cards What is a cash back credit card? Tips on choosing the best cash back card for you Expert advice on maximizing cash back cards In the news How we assess the best cash back credit cards Frequently asked questions Ask the experts.

A closer look at our top cash back cards. select this. from parent. Simplicity seekers and people planning to make a large purchase. Even better is the fact that you can change your pick once per calendar month to match your spending habits.

People looking for flexibility. If you want the freedom to choose and change your bonus rewards category, this card is a great option. Heavy spenders may earn more with a card that offers an unlimited flat rate on all purchases, such as the Citi Double Cash Card.

Capital One SavorOne Cash Rewards Credit Card Best for dining and entertainment rewards. Learn more: Why expert Ana Cvetkovic loves the Capital One SavorOne Card. Read our Citi Double Cash Card review or jump back to offer details. Blue Cash Preferred® Card from American Express Best for grocery rewards.

Few cash back cards offer rates as high as this card, much less in a rewards category as valuable as U. If groceries are your top spend every month, the Citi Custom Cash Card could also earn significant cash back in this category without the annual fee. Pair it with another cash back card to help you score as much or more cash back on other everyday essentials like gas and dining.

Learn more: Amex Blue Cash Preferred benefits guide. Read our Blue Cash Preferred Card from American Express review or jump back to offer details. Bank of America® Unlimited Cash Rewards credit card Best for Bank of America customers. Citi Custom Cash® Card Best for automatic bonus category.

There are 10 eligible bonus categories to choose from and many of them conveniently fit into a cash back or rewards strategy. Learn more: Is the Citi Custom Cash worth it? Read our full Citi Custom Cash Card review or jump back to offer details. Capital One Quicksilver Cash Rewards Credit Card Best for 1.

Cash back beginners. 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. Learn more: Is Capital One Quicksilver Worth It? Read our Capital One Quicksilver Cash Rewards Credit Card review or jump back to offer details.

Discover it® Cash Back Best for rotating cash back categories. Learn more: Guide to the Discover cash back calendar. Read our Discover it® Cash Back review or jump back to offer details.

Upgrade Cash Rewards Elite Visa® Best for personal loan alternative. Every time you make a payment, you earn one of the highest flat cash back rates on the market. 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.

You may want to consider a card that offers cash back and an intro APR for new purchases. The Discover it® Cash Back allows you to do just that, so you can finance a large purchase while racking in rewards. Learn more: Is the Upgrade Cash Rewards Elite Visa worth it?

Read our Upgrade Cash Rewards Elite Visa card review or jump back to offer details. USAA Preferred Cash Rewards Credit Card Best for USAA members. USAA members looking for a simple flat-rate cash back card.

A few cards also have a high rewards rate in travel and other everyday categories. For instance, the Capital One SavorOne Cash Rewards card earns bonus rewards on Capital One travel and in several popular everyday categories.

Learn more: Why expert Margaret Wack chose the Chase Freedom Unlimited card. Read our Chase Freedom Unlimited review. Capital One QuicksilverOne Cash Rewards Credit Card Best for fair credit. Learn more: Compare Capital One QuicksilverOne vs. Read our Capital One QuicksilverOne Cash Rewards Credit Card review.

Prime Visa Best for online shopping. If you prefer Walmart over Amazon for online shopping, the Capital One Walmart Rewards® Mastercard® offers 5 percent cash back at Walmart.

Read our Prime Visa review. Alliant Cashback Visa® Signature Card Best for 2. This card offers one of the highest flat rates around for Alliant Credit Union account holders — even higher than the Wells Fargo Active cash card. Learn more: Best flat-rate cash back credit cards.

Read our Alliant Cashback Visa Signature Credit Card review. Discover it® Secured Credit Card Best for bad credit. People with bad or no credit who want to earn rewards while they work on their score. Learn more: Discover it® Secured Credit Card benefits guide.

Read our Discover it® Secured Credit Card review. Users can pick two high-earning quarterly cash back categories and one everyday category that earns at a slightly lower rate year round.

A flat-rate rewards card like the Wells Fargo Active Cash Card may be a better fit if you prefer simplicity. Learn more: Best 5 percent cash back credit cards. Read our full U. What is a cash back credit card?

LEARN MORE How does cash back work? Arrow Right. Pros and cons of using cash back credit cards. Checkmark 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.

Checkmark Build credit : Used responsibly, a cash back credit card can help you improve your credit score by adding to your credit history. Checkmark 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.

Types of cash back credit card rewards. Top examples include: Wells Fargo Active Cash Card Citi Double Cash Card Capital One Quicksilver Cash Rewards Credit Card. Quarterly rotating bonus categories : These cards rotate or change bonus categories every quarter , and typically require you to enroll in or activate categories to receive the bonus rate.

Choose your own category : Some cards let you choose your cash back category every month, which is perfect for people who plan their spending. Auto-optimizing bonus categories : For maximizing rewards, these cards will do the work for you.

Typically, the card will apply the bonus rate to purchases within your top eligible category at the end of each month. Top examples include:. 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.

Groceries: This category usually covers a variety of types of items you can purchase at supermarkets. Many cards exclude purchases from superstores and warehouse stores. Dining: Most cards include most kinds of dining out at restaurants, though some also allow you to earn cash back on take out and delivery as well.

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. Travel: This category can include a variety of travel methods.

Airline and hotel purchases are the most common options. Looking for a particular type of cash-back credit card? Best cards for groceries. Best cards for restaurants. Best cards for gas. Tips on choosing the best cash back card for you. Document How to choose a cash back credit card Caret Down 1.

Check your credit score This should be your starting point. Review your spending habits Evaluate your expenses to determine which cards reward the highest for your top spending categories.

Compare welcome offers A card's sign-up bonus can add significantly to its short-term value. Weigh the costs Factor ongoing costs of keeping the card. 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.

Calendar Clock. Enroll or activate your bonus categories each quarter 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. Earn your welcome bonus Welcome bonuses can deliver a substantial amount of value, and some cards are worth getting for the welcome bonus alone.

Add Card. Combine cards A combination of cards will allow you to maximize your cash back opportunities when making purchases.

This card automatically rewards your top spending category each billing cycle, and I only use it for groceries, making that my top category by default. Gas and online shopping : The Blue Cash Everyday Card from American Express. Since I use the Custom Cash for groceries, it made sense for me to use the no-annual-fee Blue Cash Everyday to get a solid rewards rate on gas.

Online shopping is another key category for me, so this card is quite versatile. Dining : The Capital One SavorOne Cash Rewards Credit Card. Everything else : The Citi Double Cash.

I use this card for all purchases that fall outside of groceries, gas, dining, travel and online shopping. A flat rate of up to 2 percent back 1 percent when you buy, 1 percent when you pay off purchases is hard to beat.

Bankrate Insight People who spend across a wide variety of categories can often combine cards from the same issuer for greater effect.

Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited More cash-back cards to consider · Wells Fargo Active Cash® Card · Prime Visa · Chase Freedom Unlimited®. The Chase Freedom Unlimited is another no annual fee Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards

Top cash back cards - U.S. News' Best Cash Back Cards of February · Discover it® Cash Back · Instacart Mastercard® · Chase Freedom Unlimited® · Discover it® Chrome · Blue Cash Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited More cash-back cards to consider · Wells Fargo Active Cash® Card · Prime Visa · Chase Freedom Unlimited®. The Chase Freedom Unlimited is another no annual fee Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards

Cash back can be used to lower your overall statement balance or to add to your bank account, while travel cards can use their points or miles to cover travel expenses. The two types of credit cards also tend to differ in what kind of benefits they offer. Travel cards usually offer protections including things like travel accident or rental car insurance, and may even offer annual statement credits.

Cash-back credit cards on the other hand will usually feature shopping protections and introductory APR offers. If there is something you regularly spend a lot on, choosing a credit card that earns rewards for the purchase can be a good way to bolster your finances.

Other types of credit cards earn points or miles which may make more sense if you travel often. Miles work similarly.

You can transfer miles to travel partners, but you can also use them directly with an airline or hotel brand.

No, the IRS typically treats credit card rewards as a rebate on your spending rather than as income. However, credit card rewards earned without spending money -- such as if you receive a referral bonus by getting a friend to sign up for a credit card from your issuer -- may be considered taxable income.

Yes, redeeming cash back as a statement credit will lower the overall balance of your credit account. Whether cash-back rewards expire varies from card to card. For others, your rewards never expire as long as your account is open and in good standing.

For rates and fees of the Blue Cash Preferred Card from American Express, click here. For rates and fees of the Blue Cash Everyday Card from American Express, click here. CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer.

If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer.

Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.

Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships.

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Table of Contents In this article Jump to. How to choose a cash-back card How do cash-back cards work? Types of cash-back credit cards Pros and cons of cash-back credit cards How to maximize your cash back How does a cash-back card compare to travel rewards cards? Is a cash-back card right for you?

Alternatives to cash-back credit cards How to apply for a cash-back credit card FAQs Other credit cards we researched Our methodology. How we rate credit cards. Advertiser Disclosure.

Advertiser Disclosure CNET editors independently choose every product and service we cover. Money Credit Cards. Written by Evan Zimmer Evan Zimmer Staff Writer. Edited by Jaclyn DeJohn Jaclyn DeJohn Editor. Reviewed by Shonda Martin Shonda Martin Expert Reviewer. Updated Feb.

CNET'S PICK. CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market.

Credit card issuers have no say or influence in our ratings. Rewards Rate 1. Amaz-ing rewards Prime Visa. Learn More. To earn cash back, pay at least the minimum due on time.

Eat out while traveling Chase Freedom Unlimited®. Average rewards with strong features Capital One Quicksilver Cash Rewards Credit Card. Terms apply; Earn unlimited 1. Revolving rewards Discover it® Cash Back. Intro offer available Intro Offer: Unlimited Cashback Match - only from Discover.

Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Best for dining and entertainment Capital One SavorOne Cash Rewards Credit Card.

A good credit union card Alliant Cashback Visa® Signature Card. Gas rewards for the Costco shopper Costco Anywhere Visa® Card by Citi. Show More Show Less. The best cash-rewards credit card Wells Fargo Active Cash® Card 9. Apply Now with Wells Fargo. 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.

Table of Contents How to choose a cash-back card How do cash-back cards work? The best cash-rewards credit card Wells Fargo Active Cash® Card. Apply Now. Intro Offer. Annual Fee. Rewards Rate. It does not necessarily guarantee approval for any financial product. Our Take The Active Cash card is the best general credit card you could choose.

Our Take Additional Details Rewards Rate. A combination credit card Upgrade Cash Rewards Visa®. Apply Now with Upgrade.

Our Take The Upgrade Cash Rewards Visa card combines a personal loan with a credit card. Earn 1. com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.

For fair credit. Up to 1. A revolving rewards card. Our Take The U. Regular APR Mitigate credit card debt and earn good rewards Citi Double Cash® Card. Apply Now with Citi. Our Take While it may fall a bit short compared to the Active Cash card, the Citi Double Cash is still a strong contender.

Best for supermarket spending and streaming Blue Cash Preferred® Card from American Express. Apply Now with American Express.

Our Take The Blue Cash Preferred is one of, if not the most, rewarding credit cards when it comes to U. More flexibility than most Citi Custom Cash® Card. Our Take The Citi Custom Cash Card has more flexibility than the average rewards card. Terms apply.

Rewards Rate 2. A well-rounded card. Earn rewards for online shopping Blue Cash Everyday® Card from American Express.

Are cash-back rewards taxable? Can you apply cash back to your credit card balance or statement? Does cash back expire? Written by Evan Zimmer. Other perks include travel accident insurance, extended warranty protection, and savings opportunities with BankAmeriDeals.

So, if you spend far above the limit, you may consider a card with unlimited cash back. The Capital One SavorOne Cash Rewards Credit Card offers cash back designed for foodies and entertainment lovers alike. The elevated cash back on entertainment purchases and streaming subscriptions makes this card one of the best cards for streaming.

Unlike similar cards, there are no spending limits to worry about. supermarkets and on select U. streaming subscriptions. See rates and fees. There are two main types of cash back cards:. Deciding on the right cash back credit card depends on your purchases and the perks you want to access.

First, look at your budget to identify where you spend the most monthly. Then, look for a cash back card with high earning rates in those categories.

Choosing a card that fits your purchases helps you optimize rewards on your everyday spending. Terms, Conditions, and Limitations Apply. Please visitamericanexpress. Underwritten by Amex Assurance Company. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.

Social Links for Hanna Horvath View Author Archive Get author RSS feed. Published Jan. Chase Freedom Unlimited®: Best for flexible redemption options Pros Cons Earn at least 1. supermarkets U.

What are cash back cards, and how do they work? There are two main types of cash back cards: Flat-rate cards: If you want a no-fuss card or spend regularly in the same categories, this card is for you.

Flat-rate cards offer a fixed rate on all your purchases. Tiered cards: This card offers higher cash-back on certain types of purchases. You can maximize your cash back with one of these cards if your spending aligns with the bonus categories.

The bottom line Deciding on the right cash back credit card depends on your purchases and the perks you want to access.

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 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 cash-back credit cards · Best overall and best for no annual fee: Chase Freedom Unlimited® Card · Best for flat-rate cash back: Citi Double: Top cash back cards
















With most cash-back cards, Top cash back cards can see your caeds earnings on your monthly statement or through your online account portal, and you casu Credit repair price comparison when Medical bill forgiveness how to redeem backk cash back. Cadrs One SavorOne Cash Rewards Credit Credit repair price comparison. Once you enter your email and agree to terms:. One of the largest cash back credit card mistakes is not selecting the right category to earn the most on your spending. 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. People with bad or no credit who want to earn rewards while they work on their score. This is a foolproof way to reserve travel for free. NerdWallet's ratings are determined by our editorial team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. Best for business card with unlimited cash back. Prime Visa Best for online shopping. Long term, cardholders can enjoy making reservations all across the country with the SavorOne card, knowing you will automatically get some cash back every single time with no annual fee. Eligible spending categories are:. Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited More cash-back cards to consider · Wells Fargo Active Cash® Card · Prime Visa · Chase Freedom Unlimited®. The Chase Freedom Unlimited is another no annual fee Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards More cash back cards to consider · Citi® Double Cash Card · Blue Cash Preferred® Card from American Express · U.S. Bank Cash+® Visa Signature® Best cash-back credit cards · Best overall and best for no annual fee: Chase Freedom Unlimited® Card · Best for flat-rate cash back: Citi Double Cash Back Credit Card Reviews · The Bankrate promise · Blue Cash Preferred® Card from American Express · Blue Cash Preferred® Card from American Express · Search 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 U.S. News' Best Cash Back Cards of February · Discover it® Cash Back · Instacart Mastercard® · Chase Freedom Unlimited® · Discover it® Chrome · Blue Cash Top cash back cards
Read our oTp review of the Ink Toop Cash Credit Cah. Minimum Top cash back cards. Cash-back cards can be ideal for pairing with Aid for individuals facing unemployment cash-back cards or bxck rewards cards to maximize your earnings. There are two main types of cash back cards:. Best cash-back credit cards Cash-back credit cards are often designed to reward everyday spending. The Chase Freedom Unlimited® earns at least 1. Learn more about applying for the Blue Cash Preferred® from American Express. gas stations and U. Bank Rewards Travel Center. Interest rates and common credit card fees , like late charges and balance transfer fees, can also eat into your cash back earnings. The credit-builder. A flat-rate cash back credit card that carries no annual fee is a great choice for someone who wants to earn rewards without much additional thought. Table of Contents How to choose a cash-back card How do cash-back cards work? Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited More cash-back cards to consider · Wells Fargo Active Cash® Card · Prime Visa · Chase Freedom Unlimited®. The Chase Freedom Unlimited is another no annual fee 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 credit cards compared Cash Back Credit Card Reviews · The Bankrate promise · Blue Cash Preferred® Card from American Express · Blue Cash Preferred® Card from American Express · Search Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more. · CNET'S PICK Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited More cash-back cards to consider · Wells Fargo Active Cash® Card · Prime Visa · Chase Freedom Unlimited®. The Chase Freedom Unlimited is another no annual fee Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards Top cash back cards
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11 best cash-back credit cards of February 2024

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2024 BEST CREDIT CARDS 💳 Best Cash Back Credit Cards + Best Travel Credit Cards + New To Credit ... Topp you own a small business, you may Tlp a bcak card that Credit repair price comparison bonus points cwrds things such as Credit repair price comparison bsck online advertising. It has bonus categories that match the spending patterns of many busy, Credit score education U. 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. Just make sure you won't have to overspend to meet the spending requirement. Few cash back cards offer rates as high as this card, much less in a rewards category as valuable as U. by Sarah Hostetler. Revolving rewards Discover it® Cash Back.

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