Best Cash Back Credit Cards | CompareCredit.com

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Best Cash Back Credit Cards

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Capital One Quicksilver Cash Rewards Credit Card

(2,772 reviews)

  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 1.5% Cash Back on every purchase, every day
  • 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) thereafter
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Citi® Double Cash Card – 18 month BT offer

(3,160 reviews)

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% for 18 months on Balance Transfers
  • No annual fee and $0 liability on unauthorized charges
  • $0
  • Excellent
Product Details
  • Click "APPLY NOW" to apply online
  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Bank of America® Cash Rewards credit card

(1,818 reviews)

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% on every purchase
  • No annual fee and no expiration on rewards
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap

Capital One SavorOne Cash Rewards Credit Card

(811 reviews)

  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 3% Cash Back on dining & entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases
  • 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) thereafter
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

Blue Cash Everyday® Card from American Express

(1,414 reviews)

  • $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% Cash Back on other purchases
  • $0
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Discover it® Cash Back

(2,027 reviews)

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Dollar-for-dollar match of all cash back earned the first year
  • No annual fee, no foreign transaction fees and award-winning customer service
  • $0
  • Good, Excellent
  • Discover
Product Details
  • Click "APPLY NOW" to apply online
  • 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. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

See additional details for Discover it® Cash Back

Bank of America® Premium Rewards® credit card

(76 reviews)

  • 2 points for every $1 spent on travel and dining purchases 1.5 points per $1 spent on all other purchases
  • 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits
  • $95
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $100 in Airline Incidental Credits annually and TSA Pre✓®/Global Entry Statement Credits of up to $100, every four years
  • No Foreign Transaction Fees
  • Low $95 annual fee
  • Contactless Cards - The security of a chip card, with the convenience of a tap

Chase Freedom Unlimited®

(182 reviews)

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
  • $0
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®


Cash Back Credit Cards

When it comes to credit card rewards, cash back remains the top choice for the most consumers. Cash back credit cards come in all different shapes and sizes. Some offer simple flat rate rewards programs while others allow you to earn bonus cash back in special spending categories. Let’s take a look at some of the key factors to look for when selecting the best cash back credit card for you.

Rewards Rates – Earn Cash Back on Purchases

The number one thing you will want to consider when comparing cash back offers is the rewards structure for new purchases. Some credit cards make things simple and just offer the same cash back rate for all purchases, no matter what you spend money on. There are many cards the offer unlimited 1.5% cash back on all purchases, which is quite a generous return on your spending. Some go as high as 2% back, but be sure to read the fine print to make sure you understand how to ensure you earn the full rewards rate. Flat-rate cash back cards like this are popular because they take the hassle out of earning rewards. There’s no worrying about bonus categories or quarterly caps on your cash back – just swipe and earn!

If you want to maximize your spending to get the most bang for your buck, then you should consider a cash rewards card that offers bonus cash back in certain spending categories. These cards come in a wide variety and will offer extra cash back on certain spending. There are cards that offer bonus cash back on dining, groceries, gas, travel, streaming services and more. When considering which card is best for you, it’s important to examine your spending and see which card aligns with your spending habits. For example, if you find that you typically spend a lot on dining out, then using a card that offers bonus cash back on dining can help you rake it the most rewards.

Boost Your Cash Back with a Sign Up Bonus

In addition to the ongoing rewards rate, you will want to pay attention to any sign up bonus or welcome offer that a cash back credit card comes with. These are easy ways to kickstart your rewards earnings. Sign up bonus can range anywhere from $25 to $500 and typically require you spend a certain amount within the first few months in order to earn them. Obviously, the bigger the sign up bonus the better, but you’ll want to make sure you’re able to actually meet the minimum spend requirement in order to earn the bonus.

Things to Keep in Mind

As with any rewards credit card, you should always keep in mind that the best practice is to always pay your balance off in full each month. If you don’t any cash back you earn will be drastically outweighed by the interest charges you pile up for carrying a balance. Also, pay attention to annual fees – most cash back cards come with no annual fees, but depending on your spending habits, it could be worth paying an annual fee to earn extra rewards

All in all, a cash back credit card is a no-brainer for anyone who pays their balance off in full each month. Compare the best cash back cards above on this page and select the best one for you. Apply today and start earning rewards on all of your purchases!