Best Cash Back Credit Cards | CompareCredit.com

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Best Cash Back Credit Cards

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Blue Cash Everyday® Card from American Express

(1,379 reviews)

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Rates & Fees

Product Details
  • Click "APPLY NOW" to apply online
  • Earn a $200 statement credit 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 and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Citi® Double Cash Card – 18 month BT offer

(2,830 reviews)

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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.

American Express Cash Magnet® Card – $150 Welcome Offer

(1,107 reviews)

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Rates & Fees

Product Details
  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 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 and no interest.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.

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Chase Freedom Flex

(2,103 reviews)

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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 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% 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 Flex

Blue Cash Preferred® Card from American Express

(174 reviews)

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Rates & Fees

Product Details
  • Click "APPLY NOW" to apply online
  • Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Offer Expires 12/10/2020
  • Limited Time Offer: $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Capital One® Quicksilver® Cash Rewards Credit Card

(848 reviews)

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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

Capital One® SavorOne® Cash Rewards Credit Card

(89 reviews)

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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

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!

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