You could pocket hundreds of dollars each year and enjoy 0% Intro APR by using the right cash back card.
Cash back cards usually come in 3 varieties.
- Flat Rate Cash Back Cards – These cards pay the same on everything, like unlimited 1.5% cashback. Best for people who like to keep it simple and not keep track of rotating categories.
- Bonus Category Cash Back Cards – These cards pay a higher rate in categories that usually change every 3 months. Best for people who like to maximize their cash back and shop at many places.
- Tiered Cash Back Cards – These cards pay higher rates on categories that stay the same throughout the year, like gas or groceries and 1% on everything else.
Take a look at our picks for best cash back credit cards and easily apply for the one that makes the most sense for you now.
Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card is a no annual fee card offering market-leading cash back rates on the things you love most – food and entertainment. This card comes with a stellar rewards rate of unlimited 3% Cash Back on dining, 3% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases. If you spend a lot in those bonus categories then the cash back can pile up fast.
There are no rotating categories or sign-ups needed to earn cash rewards and new cardholders also receive a one-time $200 Cash Back after you spend $500 on purchases within 3 months from account opening. To top it off, this card has an APR of 0% intro on purchases for 15 months. All in all, the Capital One SavorOne Cash Rewards Credit Card is a no-brainer for anyone that loves dining out, or spends a lot on grocery shopping.
Citi® Double Cash Card – 18 month BT offer
When it comes to cash back cards, the Citi® Double Cash Card – 18 month BT offer is truly one of a kind – it's the only card that allows you to earn cash back twice. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.. There are no limits to how much cash back you can earn and your cash back won't expire.
The Citi® Double Cash Card – 18 month BT offer is the perfect option for any consumers who don't want to have to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. You simply earn the same flat-rate of 2% no matter what you are purchasing. This card even comes with a top-tier intro APR on balance transfers: 0% for 18 months on Balance Transfers. If you're paying a high interest rate on your current credit card, that intro period can help you escape those pesky interest charges.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card makes earning cash back easy with a generous unlimited 1.5% Cash Back on every purchase, every day and a one-time $200 Cash Back after you spend $500 on purchases within 3 months from account opening. This card can also help you avoid high interest rates with an APR of 0% intro on purchases for 15 months.
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. With the lucrative combo of 0% intro APR and cash back rewards on purchases, this card might be the perfect fit to help you save big. And to top it off, there is no annual fee.
Bank of America® Cash Rewards credit card
Earn cash back on your terms with the Bank of America® Cash Rewards credit card. This popular card offers one of the most flexible cash back programs available – 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.
You'll also enjoy a year of 0% intro APR while you earn cash back for the things you buy most. This card offers 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days and 0% Introductory APR on purchases for 12 billing cycles. You pay no annual fee with this card from Bank of America, and to top it off, new cardholders can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Blue Cash Everyday® Card from American Express
With the Blue Cash Everyday® Card from American Express you earn bonus cash back for the things you buy most: 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% back on other purchases New cardholders also earn a welcome offer of $200 back after you spend $1,000 in purchases on your new Card within the first 3 months..
On top of the lucrative cash back, the Blue Cash Everyday® Card from American Express comes with a generous intro APR: 0% on purchases for 15 months. That can be a lifesaver if you need to make a big purchase and want to spread your payments out over time, interest free. Finally, cardholders love that even with all these perks, this card comes with no annual fee.
Discover it® Cash Back
The Discover it® Cash Back credit card has been a consumer favorite for many years. With the popular rewards program you get cash back for the things you buy most: 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. In addition to the cash back rewards, cardholders receive an intro APR of 0% for 14 months on purchases and balance transfers – all with no annual fee! The ongoing APR is 11.99% - 22.99% Variable.
What really makes this card stand out is the unique cash back intro offer: Discover offers a Dollar-for-dollar match of all cash back earned the first year. There's no signing up. And no limit to how much is matched. This clever rewards structure can be especially beneficial for consumers who don't want to have to spend a hefty amount on their card during the first 3 months in order to receive a sign up bonus. And on the flip side, the fact that there's no limit to the amount of the Cash Back Match means that this card can be extremely rewarding if you're a big spender.