Spend More to Earn More: Unlimited Cash Back Cards | CompareCredit™
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Spend More to Earn More: Unlimited Cash Back Cards

How the Big Bonus Cash Cards Stack Up

Editorial Note: Our editorial team's content is not provided or commissioned by any financial institution or partner. The opinions, reviews or recommendations expressed in any article mention are solely those of our editorial team.
Our Pick
Runner Up

Flexible Cash Back up to 5%

Citi Custom Cash Card

Apply Now

Best Credit Cards with Unlimited Cash Back

These no-annual-fee Cash Back Cards offer a sizable bonus and the potential to earn far more over the course of card membership. The way we see it, if you plan on using a credit card regularly, you might as well get rewards for it. So, lets break down the best cash back bonus cards we've seen in quite a while.

Our Pick

Capital One Quicksilver Cash Rewards Credit Card

(7,621 reviews)

Apply Now

on Capital One's secure site

Recommended Credit

excellent creditExcellent, Good

Best For: Easy $200 Cash Back Bonus

$200 Cash Back after you spend $500 on purchases within 3 months from account opening.

Product Details

  • Select "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
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 16.49%-26.49% variable APR after that

The Capital One Quicksilver Cash Rewards Credit Card lets you earn unlimited 1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). We love this card because it takes the hassle out of earning cash back – there are 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. There's also a generous intro APR of 0% intro on purchases for 15 months as balance transfers after which the ongoing Variable APR is 16.49% - 26.49% (Variable).

Runner Up

Wells Fargo Active Cash® Card

(4,645 reviews)

Apply Now

on Wells Fargo's secure site

Rates & Fees

Recommended Credit

excellent creditExcellent/Good

Best For: Flat-rate Cash Rewards

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.

Product Details

  • Select "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
  • Select “Apply Now” to learn more about the product features, terms and conditions

The Wells Fargo Active Cash® Card offers the highest flat-rate cash back around with unlimited 2% cash rewards on purchases. There are no caps, no restrictions, and no rotating categories to worry about. Cardholders will also enjoy 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. That means you'll have over a year to take a break from high-interest rates. After the intro period is up, the ongoing APR will be: 16.49%, 21.49%, or 26.49% Variable APR.

Citi Custom Cash Card

(1,611 reviews)

Apply Now

on Citibank's secure site

Recommended Credit

excellent creditExcellent, Good

Best For: Flexible Cash Back up to 5%

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Product Details

  • Select "APPLY NOW" to apply online
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • 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.

This card from Citi keeps things simple by maxing out your rewards categories…automatically. Instead of earning bonus rewards in a pre-selected spending category, the Citi Custom Cash Card offers 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Like the other cards we've seen so far, this one comes with an intro APR of0% for 15 months on purchases and balance transfers . Once that ends, the ongoing APR is 15.49% - 25.49% (Variable).

Discover it® Cash Back

(2,346 reviews)

Apply Now

on Discover's secure site

Rates & Fees

Recommended Credit

good creditGood, Excellent

Best For: Unlimited First Year Bonus

Discover will match all the cash back you’ve earned at the end of your first year

Product Details

  • Select "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.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click ""Apply Now"" to see terms and conditions.

Meet the one card on our list that's a little different from the others. This card lets you earn an incredible 5% cash back on everyday purchases at different places each quarter up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. After a 0% Intro APR for 15 months on purchases, the APR goes to 13.49% - 24.49% Variable.

But what really makes this card stand out is how much you can earn in initial cash back.

Bank of America® Customized Cash Rewards credit card

(970 reviews)

Apply Now

on Bank of America's secure site

Recommended Credit

excellent creditExcellent, Good

Best For: Choosing Your Bonus Category

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening (excluding balance transfers and cash advances).

Product Details

  • Select "APPLY NOW" to apply online
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening (excluding balance transfers and cash advances).
  • 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.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 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.

Flexibility is built into the Bank of America® Customized Cash Rewards credit card. You'll earn 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. This card also offers See Terms and for any balance transfers made in the first 60 days. After that the Variable APR is See Terms.

Bottom Line

.. getting one of these cards is an easy way to line your pockets with some extra cash back ...

Choosing the best cash back card will always depend on your personal spending habits, but we've found that the cards above are the best options for most people. Whether you're looking for simple, flat-rate rewards on purchases, or a quick $200 Sign Up Bonus, getting one of these cards is an easy way to line your pockets with some extra cash back. Check out our straight-forward recap of each card below to select the best one for you and apply securely online today!

Recap of Our Recommendations

CardBest forSign Up BonusRewards Rate 
Our Pick

Capital One Quicksilver Cash Rewards Credit Card

Easy $200 Cash Back Bonus$200 Cash Back after you spend $500 on purchases within 3 months from account opening1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)Apply Now
Runner Up

Wells Fargo Active Cash® Card

Flat-rate Cash RewardsEarn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months2% cash rewards on purchasesApply Now

Rates & Fees

Citi Custom Cash Card

Flexible Cash Back up to 5%Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.Apply Now

Discover it® Cash Back

Unlimited First Year BonusDiscover will match all the cash back you’ve earned at the end of your first year5% cash back on everyday purchases at different places each quarter up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.Apply Now

Rates & Fees

Bank of America® Customized Cash Rewards credit card

Choosing Your Bonus Category$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening (excluding balance transfers and cash advances).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 purchaseApply Now