Spend More to Earn More: Unlimited Cash Back Cards
Zero Regrets. Zero Interest for 21 Months.
Zero Regrets. Zero Interest for up to 21 Months.
How the Big Bonus Cash Cards Stack Up
Editorial Note:
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, let's break down the best cash back bonus cards we’ve seen in quite a while.
on Capital One's secure site
Best For: First Year Cash Back Match
Enjoy a popular rewards program for the things you buy most: 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
What really makes this card stand out is its unique cash back welcome offer: Discover will automatically match all the cash back you’ve earned at the end of your first year. The cash back match is perfect for people who don't want to have to spend a certain amount during the first 3 months to earn a welcome offer. And with no limit to how much is matched, this card can be extremely rewarding for big spenders! Cardholders can also enjoy an APR of 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, 17.49% - 26.49% (Variable) APR thereafter. Balance transfer fee applies.
on Wells Fargo's secure site
Best For: Easy Flat-Rate Cash Back
This card has everything you could want in a cash back card. Enjoy one of the highest flat-rate cash back offers we've seen: Earn unlimited 2% cash rewards on purchases. Forget about keeping up with certain spending categories or caps on the amount you can expect to earn. This card is all about consistent cash rewards.
Plus: Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months. For many of us, that’s just a couple of trips to the grocery store to cash in on a serious reward. You will also have a year to escape high interest rates with 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (18.49%, 24.49%, or 28.49% Variable APR after that). With no annual fee to get in your way, this card really offers a tempting combo of time and money.
on Bank of America's secure site
Best For: Choosing Your Bonus Category
Enjoy cash back on your terms with this popular card that offers one of the most flexible cash back programs available. Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back 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.
This card also offers 0% Intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, 17.49% - 27.49% Variable APR on purchases and balance transfers thereafter. A balance transfer fee of 3% for 60 days from account opening, then 5% applies. You pay no annual fee with the Bank of America® Customized Cash Rewards credit card, and to top it off, new cardholders earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
on Citibank's secure site
Best For: Cash Back + Intro BT Offer
When it comes to cash back cards, the Citi Double Cash® Card from our partner Citibank 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.
With 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 no annual fee, and a top-tier intro APR on balance transfers: 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) thereafter.
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