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ExpertiseCash back credit cards are a great way to earn money on everyday purchases. With these cards, you get back a percentage of your spending. Start earning rewards on your routine spending and make the most of every dollar—apply for a cash-back credit card today.
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Rewards Rate:
6% Cash Back at U.S. supermarkets up to $6,000 per year in purchases, then 1%
6% Cash Back on select U.S. streaming subscriptions
3% Cash Back on U.S. gas stations and transit including taxis/rideshare, parking, tolls, trains, buses and more
1% Cash Back on other purchases
(Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months
Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
Rewards Rate:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49%-28.49%, based on your creditworthiness.
Rewards Rate:
Unlimited 1.5% for every $1 you spend on all purchases
Welcome Bonus: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers then, a variable APR of 18.49% - 28.49%
Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases
Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)
Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Rewards Rate:
3% cash back in your choice category
2% at grocery stores/wholesale clubs
1% on all other purchases
3% and 2% cash back on up to $2,500 in combined quarterly purchases
Welcome Bonus: $200 online cash rewards bonus after you spend at least $1,000 on purchases within the first 90 days of opening your account
Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers then, a variable APR of 18.49% - 28.49%
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In the age of digital banking, securing the best cash back credit cards has become a breeze. Online applications have simplified the process, ensuring you can access the best credit cards for cash back without stepping out of your home. With a few clicks, you can compare card benefits, interest rates, and, most importantly, cash back percentages.
The plethora of cash back credit cards available might seem overwhelming. Here's how you can narrow down your choices:
Spending Patterns: Analyze where you spend most. If you dine out often, choose a card that offers higher cash back on dining. For those who drive a lot, cards that offer the highest cash back for fuel could be beneficial.
Annual Fees: Cash back credit cards with no annual fee are a great starting point for those wary of recurring charges.
Cash Back Percentage: If maximizing returns is your goal, lean towards the highest cash back credit card available.
Remember, the best credit card for cash back aligns seamlessly with your spending habits.
Before jumping into the world of cash back rewards, it's vital to grasp the basics:
Rewards Structure: Cash back credit cards typically offer a percentage back on your purchases. This could be a flat rate or vary by category.
Redemption: Understand how you can redeem your cash back. Some cards offer statement credits, while others might have direct deposits or checks.
Limitations: Some cards have caps on how much cash back you can earn in specific categories.
There isn't a one-size-fits-all answer. The best cashback credit card depends on your spending habits and preference for fees, rewards rates, and redemption methods.
Cash back credit cards offer tangible returns in cash, while points or miles cards provide rewards that can be redeemed for travel, merchandise, or other services.
Absolutely! Many of the best cash back cards come with no annual fee, ensuring you keep more hard-earned rewards.
With the proper knowledge, choosing the perfect cash back credit card becomes a rewarding experience. Explore, compare, and enjoy the benefits of smart spending.
Bank of America
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
