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2020

Best Cash Back Credit Cards

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Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

If you’re going to spend money, why not get some of it back? A cash back card won’t make you rich, but saving two, three, or five percent here and there will add up over time. If you’re using cash or a debit card instead of a credit card, you could switch over and start earning rewards every time you make a purchase.

Best Cash Back Credit Cards
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

The right cash back card for you will easily fit into your spending and shopping habits, without being a hassle to use and pay off. Consider these key features if you’re in the market for a new card.

  • Bonus categories that fit your spending habits: Look for a high cash back rate for the types of purchases you make most often.
  • A rewards program that works for you: You should be able to easily understand and redeem your rewards.
  • Valuable signup bonus: The best cash back rewards cards offer signup bonuses, sometimes up to $500 or more.
  • Promotional interest rates: Many cash back cards provide introductory 0% APR intro offers on purchases, balance transfers, or both.
  • Extra perks and benefits: Credit card benefits can come in very useful in some situations, and may provide exclusive services or insurance for eligible purchases and while traveling.
  • A reasonable annual fee: If you’re going to pay an annual fee for a rewards card, be sure to get your money’s worth.
Is a Cash Back Card Right for You?
Best Cash Back Credit Cards
Brendan Harkness

By Brendan Harkness

Is a Cash Back Card Right for You?

When used responsibly, cash back cards are a great way to earn rewards and enjoy extra perks when shopping and traveling. Most people can benefit from carrying at least one cash back card, for a number of reasons:

  • To save a bit of money: You won’t get rich from credit card rewards, but you could earn enough for a fancy dinner each month or even a fantastic vacation.
  • Cash back is easy to redeem: Cash back is easy to redeem for statement credits or bank deposits, which work like direct deposit. Other rewards cards may have more complicated redemption systems, especially travel rewards cards like airline and hotel cards.
  • Many options to choose from: You’ll find cash back cards designed for all kinds of spending. Some provide extra cash back for certain types of purchases (called bonus categories) while others offer the same flat rate for every purchase.
  • Designed for all levels of credit: The best cash back cards tend to require good or excellent credit, but there are options for fair or average credit too, and even bad or limited credit. Most people should be able to find a card that suits them in some way, even if it’s not a perfect fit for all their spending.
  • A more secure payment method: If you’re using cash or a debit card for most of your spending, you’re missing out on valuable security measures and fraud protections.
Our Selection Criteria
BEST PICK FOR

Flat-Rate Cash Back

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 13.99% – 23.99% (Variable)
Apply Now

securely on the issuer's website

The Citi® Double Cash Card - 18 month BT offer (Review) is your best cash back option if you want a card for all-around, general spending. The rewards are the main attraction, but you’ll also get a nice introductory APR for balance transfers before its variable APR kicks in.

Spending Rewards
  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

You can earn unlimited cash back with this card, though it won’t come all at once. You’ll get the remaining 1% when you pay off your purchases, whether that’s immediately or later on.

It’s fairly simple, but a strong offer nevertheless. A general-use, flat-rate cash back card like this can be paired with a different rewards card that has bonus categories, like the others on this page. You can use that other card whenever you spend in the bonus categories, and pay with the Double Cash for all other purchases.

  • Citi Concierge: Call for non-emergency help whenever you need it, like assistance making travel reservations.
  • ShopRunner membership: Use ShopRunner to get free two-day shipping and returns at participating retailers.
  • Free credit score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
  • Purchase APR: 13.99% – 23.99% (Variable)
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable) (for transfers made during the first four months)
  • Annual fee: $0
PayPal Cashback Mastercard®

PayPal Cashback Mastercard®

  • 2% cash back on all purchases
  • Purchase APR: 22.24%, 26.24% or 29.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 5% cash back on Lyft rides
  • 1.5% cash back for all other purchases
  • $150 bonus for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 16.49% - 25.24% Variable
  • Annual fee: $0
View card details
Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • 1.5% cash back for all purchases
  • $150 for spending $500 in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
American Express Cash Magnet® Card

American Express Cash Magnet® Card

  • 1.5% cash back for all purchases
  • $150 cash back for spending $1,000 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 12.99–23.99% Variable (for transfers requested in the first 60 days) (Rates & Fees)
  • Annual fee: $0
View card details
PenFed Power Cash Rewards Visa Signature® Card

PenFed Power Cash Rewards Visa Signature® Card

  • 1.5% cash back on all purchases made with your card
    • 2% cash back on all purchases for PenFed Honors Advantage Members
  • $100 statement credit after spending $1,500 in the first 90 days
  • Purchase APR: 11.74% to 17.99% Variable
  • Balance Transfer APR: 0% for 12 months with 3% balance transfer fee now through March 31, 2020, then 11.74% to 17.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Alliant Cashback Visa® Signature Credit Card

Alliant Cashback Visa® Signature Credit Card

  • 3% cash back for all purchases in the first year
  • 2.5% cash back for all purchases after the first year
  • Purchase and Balance Transfer APR: 11.99%–14.99% Variable
  • No foreign transaction fee
  • Annual fee: $99, $0 first year
View card details
HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

  • 3% cash back on purchases in the first 12 months, up to $10,000 spent
  • 1.5% cash back on all other purchases
  • Purchase and Balance Transfer APR: 0% for 12 months, then 14.99–24.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

  • 1.8% cash rewards on Google Pay or Apple Pay mobile wallet purchases during the first 12 months after account opening
  • 1.5% cash rewards on every other purchase
  • $150 cash back for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 13.99%-25.99% Variable (for transfers requested in the first 120 days)
  • Annual fee: $0
View card details
2 8
  • Earn cash back twice. 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.

Citi is a Credit Card Insider advertiser.

BEST PICK FOR

Gas

Ducks Unlimited Rewards Visa Signature® Card

Ducks Unlimited Rewards Visa Signature® Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 21.24% Variable
Apply Now

securely on the issuer's website

The Ducks Unlimited Rewards Visa Signature® Card is the best all-around gas card, with an excellent 5% cash back category that lasts all year and has no spending limit.

Spending Rewards
  • 5% cash back at:
    • Gas stations
    • Sporting goods stores
  • 1% cash back for every other purchase

The Ducks Unlimited is a pretty simple card, with no signup bonus, but if you spend a lot of money on gas every year this is your most rewarding option.

This card can be very valuable, but it’s issued by a smaller bank and the online services may be a bit behind the times. But we’ve found customer support to be knowledgeable and helpful.

  • Free credit score: Check your FICO Bankcard Score 9 for free, whenever you’d like.
  • Visa Platinum benefits: Basic Visa Platinum protections may include Roadside Dispatch and an Auto Rental Collision Damage Waiver.
  • Possible Visa Signature benefits: Upgraded Visa Signature benefits may include Purchase Protection, Return Protection, Trip Delay Reimbursement, and others.
  • Purchase and Balance Transfer APR: 21.24% Variable
  • Annual fee: $0
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
  • $250 statement credit for spending $1,000 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 12 months, then 12.99–23.99% Variable (Rates & Fees)
  • Annual fee: $95
View card details
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • 3% cash back at U.S. supermarkets, up to $6,000 spent per year (then 1%)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on all other purchases
  • $150 statement credit for spending $1,000 in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 15 months, then 12.99–23.99% Variable (Rates & Fees)
  • Annual fee: $0
View card details
Discover it® Cash Back

Discover it® Cash Back

  • 5% cash back in rotating categories (usually including gas), up to $1,500 spent per quarter (then 1%; activation required)
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: 0% for 14 months, then 13.49% - 24.49% Variable (for transfers requested in the first 90 days)
  • No foreign transaction fee
  • Annual fee: $0
View card details
Chase Freedom®

Chase Freedom®

  • 5% cash back on Lyft
  • 5% cash back in rotating reward categories (usually including gas), up to $1,500 spent per quarter (then 1%)
  • 1% cash back on all other purchases
  • $150 cash bonus after spending $500 on purchases in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 15 months, then 16.49% - 25.24% Variable
  • Annual fee: $0
View card details
Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

  • 4% cash back on Gas, including gas at Costco (up to $7,000 per year, then 1%)
  • 3% cash back for:
    • Restaurants
    • Travel
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Purchase and Balance Transfer APR: 15.24% (Variable)
  • Annual fee: $0
View card details
Sam’s Club® Mastercard®

Sam’s Club® Mastercard®

  • 5% cash back on eligible gas, including at Sam’s Club; up to $6,000 per year (then 1%)
  • 3% cash back on:
    • Dining
    • Travel
  • 1% cash back on all other purchases
  • $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
  • Purchase APR: 16.65%–24.65% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Discover it® chrome

Discover it® chrome

  • 2% cash back, up to $1,000 spent per quarter (then 1%), at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: 0% for 14 months, then 13.49% - 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
2 7
  • 5% cash back at gas stations and sporting goods stores
  • 1% cash back everywhere else
  • Visa Platinum or Visa Signature benefits, depending on creditworthiness
  • No annual fee
  • Foreign transaction fee of 3%
  • A portion of every purchase goes to help fund wetland conservation
BEST PICK FOR

Groceries

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $95
Regular APR 12.99–23.99% Variable
Apply Now

securely on the issuer's website

Groceries and gas are common expenses for many people, and it’s convenient to have one card you can use for both. The Blue Cash Preferred® Card from American Express (Review) is an excellent choice to fill that need, with the best cash back rate for U.S. supermarkets you’ll find.

Spending Rewards
  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $250 statement credit for spending $1,000 in the first 3 months

The 6% back you can earn at U.S. supermarkets with this card is the best base rate we’ve seen for that category. You can get better than that (10%) with the Discover it® Cash Back, but only for a few months during the first year with the card.

You’ll be limited to $6,000 in spending per year at that 6% rate, but that’s still $360 in cash back, which is not bad at all. To hit that limit in a year you’d need to spend about $115 on groceries per week.

Purchases at U.S. gas stations will get 3% cash back, with no limit. That’s competitive with most other rewards cards, which don’t usually offer any more than that at gas stations.

  • Amex Offers: Find significant discounts at a changing selection of merchants and websites, like TurboTax, SamsClub.com, Etsy, and many more.
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • Shopping and travel protections: Return Protection, Car Rental Loss and Damage Protection
  • Purchase and Balance Transfer APR: 0% for 12 months, then 12.99–23.99% Variable (for transfers made during the first 60 days)
  • Annual fee: $95
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • 3% cash back at U.S. supermarkets, up to $6,000 spent per year (then 1%)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on all other purchases
  • $150 statement credit for spending $1,000 in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 15 months, then 12.99–23.99% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%).
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 16.24%–26.24% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details
Discover it® Cash Back

Discover it® Cash Back

  • 5% cash back in rotating categories (usually including groceries and gas), up to $1,500 spent per quarter (then 1%; activation required)
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: 0% for 14 months, then 13.49% - 24.49% Variable (for transfers requested in the first 90 days)
  • Annual fee: $0
View card details
Chase Freedom®

Chase Freedom®

  • 5% cash back on Lyft
  • 5% cash back in rotating reward categories (usually including groceries and gas), up to $1,500 spent per quarter (then 1%)
  • 1% cash back on all other purchases
  • $150 cash bonus after spending $500 on purchases in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 15 months, then 16.49% - 25.24% Variable
  • Annual fee: $0
View card details
2 4
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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.
  • Don’t wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Dining at Restaurants

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0 intro for first year; $95 after that
Regular APR 15.99% - 24.99% Variable
Apply Now

securely on the issuer's website

Going out to eat is a bit more fun when you can hand over a shiny metal credit card. The Capital One® Savor® Cash Rewards Credit Card (Review) can fit that bill and offers an excellent cash back rate at restaurants, along with some useful bonus categories that complement the foodie aura this card exudes.

Spending Rewards
  • 8% cash back at Vivid Seats (until 5/2020)
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back for every other purchase
Introductory Bonus Offer
  • $300 cash bonus for spending $3,000 in the first 3 months

If you’re always going out to eat or ordering in, how does saving 4% on all that spending sound? Just don’t fight over who gets to pay the bill.

These categories cover dining, entertainment, and grocery shopping. That’s quite a nice variety to have on just one card — if dinner and a movie is your kind of thing, this card would fit quite well. And if you don’t have a better card for groceries, like one of the options above, the Savor will let you get a bit more than the standard 1%.

  • Capital One CreditWise: Check your VantageScore 3.0 credit score for free, based on your TransUnion credit report, and see information from that report.
  • World Elite Mastercard concierge: Call any time for non-emergency help with making reservations, finding hard-to-find gifts, and more.
  • World Elite Mastercard benefits: Including Price Protection, Extended Warranty, MasterRental Insurance, Trip Cancellation/Interruption Insurance, and more.
  • Purchase and Balance Transfer APR: 15.99% - 24.99% Variable
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back for every other purchase
  • $150 cash back for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • Annual fee: $0
View card details
U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

  • 5% cash back in your choice of two categories per quarter (including Fast food), up to $2,000 per quarter (then 1%)
  • 2% cash back in one category of your choice (including Restaurants)
  • 1% cash back for every other purchase
  • $150 cash bonus for spending $500 in the first 90 days after account opening
  • Purchase APR: 13.99% - 23.99%* Variable
  • Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • Annual fee: $0*
View card details
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%).
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 16.24%–26.24% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details
AARP® Credit Card From Chase

AARP® Credit Card From Chase

  • 3% cash back at:
    • Restaurants
    • Gas stations
  • 1% cash back on all other purchases
  • $100 cash back when you spend $500 in the first 3 months
  • Purchase and Balance Transfer APR: 17.74%–24.49% Variable
  • Annual fee: $0
View card details
Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

  • 4% cash back on gas, including gas at Costco (up to $7,000 per year, then 1%)
  • 3% cash back for:
    • Restaurants
    • Travel
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Purchase and Balance Transfer APR: 15.24% (Variable)
  • No foreign transaction fee
  • Annual fee: $0
View card details
Sam’s Club® Mastercard®

Sam’s Club® Mastercard®

  • 5% cash back on eligible gas, including at Sam’s Club; up to $6,000 per year (then 1%)
  • 3% cash back on:
    • Dining
    • Travel
  • 1% cash back on all other purchases
  • $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
  • Purchase APR: 16.65%–24.65% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
2 6
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

The information related to Capital One® Savor® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Rotating Reward Categories

Discover it® Cash Back

Discover it® Cash Back

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $0
Regular APR 13.49% - 24.49% Variable
Apply Now

securely on the issuer's website

The Discover it® Cash Back (Review) is one of the best cash back credit cards available, thanks to a unique offer from Discover.

It has 5% cash back rotating reward categories, which switch every three months. They often include popular expenses like gas, groceries, rideshares like Uber and Lyft, and Amazon.com.

Spending Rewards
  • 5% cash back in categories that rotate every three months (see calendar below), up to $1,500 spent per quarter (then 1%; activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year

Here are the 5% categories for 2020, along with last year’s for comparison.

Quarter 2020 Categories 2019 Categories
January – March
  • Grocery Stores
  • Walgreens
  • CVS
  • Grocery Stores
April – June
  • Gas Stations
  • Uber
  • Lyft
  • Wholesale Clubs
  • Gas Stations
  • Uber
  • Lyft
July – September
  • Restaurants
  • PayPal
  • Restaurants
  • PayPal
October – December
  • Amazon.com
  • Target.com
  • Walmart.com
  • Amazon.com
  • Target
  • Walmart.com
  • Free Credit Score: Track your FICO Score 8 over time, based on your TransUnion credit report.
  • Social Security Number Alerts: Get notified if your SSN is found on any thousands of risky websites.
  • Purchase and Balance Transfer APR: 0% for 14 months, then 13.49% - 24.49% Variable (for transfers requested in the first 90 days)
  • No foreign transaction fee
  • Annual fee: $0
Chase Freedom®

Chase Freedom®

  • 5% cash back on Lyft
  • 5% cash back in rotating reward categories, up to $1,500 spent per quarter (then 1%)
  • 1% cash back on all other purchases
  • $150 cash bonus after spending $500 on purchases in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 15 months, then 16.49% - 25.24% Variable
  • Annual fee: $0
View card details
U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

  • 5% cash back in your choice of two categories per quarter, up to $2,000 per quarter (then 1%)
  • 2% cash back in one category of your choice per quarter
  • 1% cash back on all other purchases
  • $150 cash bonus for spending $500 in the first 90 days after account opening
  • Purchase APR: 13.99% - 23.99%* Variable
  • Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • Annual fee: $0*
View card details
ABOC Platinum Rewards Mastercard® Credit Card

ABOC Platinum Rewards Mastercard® Credit Card

  • 5X points per dollar in rotating categories, up to $1,500 spent per quarter
  • 1X point per dollar on all other purchases
  • $150 statement credit after you spend $1,200 on purchases within the first 90 days
  • Purchase APR: 0% for 12 months after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Balance transfer APR: 0% for 18 months after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • No foreign transaction fee
  • Annual fee: $0
View card details
Amalgamated Bank of Chicago Union Strong Card

Amalgamated Bank of Chicago Union Strong Card

  • 5X points per dollar in rotating categories, up to $1,500 spent per quarter
  • 1X point per dollar on all other purchases
  • $150 statement credit after you spend $1,200 on purchases within the first 90 days
  • Purchase APR: 0% for 12 months, then 10.75% Variable
  • Balance transfer APR: 0% for 18 months, then 10.75% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
2 4
  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click “APPLY NOW” to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
BEST PICK FOR

Choosing Your Own Categories

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $0*
Regular APR 13.99% - 23.99%* Variable
Apply Now

securely on the issuer's website

A fairly unique entry in the U.S. Bank family of credit cards, the U.S. Bank Cash+™ Visa Signature® Card is one of very few cards that let you choose your own bonus cash back categories. It’s a good deal too, offering quite a bit of cash back and a wide variety of categories to choose from (some of which are rarely seen on credit cards).

Spending Rewards
  • 5% cash back in your choice of two categories, up to $2,000 spent per quarter
  • 2% cash back in your choice of one everyday category
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $150 cash bonus for spending $500 in the first 90 days after account opening

So you’ll get two 5% categories and one 2% category, and you can pick each one. You’ll need to sign up for the categories each quarter before you’ll start earning cash back at the 5% or 2% rates.

Pick any two of these:

5% Cash Back Categories
TV, Internet, Streaming Services Cell Phone Providers Department Stores Electronics Stores
Fast Food Furniture Stores Ground Transportation Gyms/Fitness Centers
Home Utilities Movie Theaters Select Clothing Stores Sporting Goods Stores

And one of these:

2% Cash Back Categories
Gas Stations Grocery Stores Restaurants
  • Free credit score: See your VantageScore 3.0 based on your TransUnion credit report.
  • Visa Signature Concierge: Call for personal assistance with travel bookings, dining reservations, business services, and more.
  • Visa Signature Luxury Hotel Collection: Get perks at select hotels like a $25 food and beverage credit and room upgrades when available.
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Roadside Dispatch
  • Purchase APR: 13.99% - 23.99%* Variable
  • Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • No foreign transaction fee
  • Annual fee: $0*
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back for every other purchase
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%)
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 16.24%–26.24% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details
Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

  • 3% cash back in your choice of one category each month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back on Dining
  • 1% cash back for every other purchase
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per year (then 1%)
  • Purchase APR: 0% for 9 billing cycles, then 13.74% - 23.74% Variable APR
  • Annual fee: $0.00
View card details
  • Earn up to $550 cash back in the first year.
  • $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 13.99% – 23.99%
  • No annual fee*
  • Great Offer from U.S. Bank, a 2020 World’s Most Ethical Company® – Ethisphere Institute, February 2020
BEST PICK FOR

Shopping at Amazon.com

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 15.74% to 23.74% Variable
Apply Now

securely on the issuer's website

A lot of people are spending a lot of money at Amazon, and the Amazon Prime Rewards Visa Signature Card (Review) gives you a way to save on every purchase you make from the online superstore.

Spending Rewards
  • 5% cash back at:
    • Amazon
    • Whole Foods
  • 2% cash back at:
    • Gas stations
    • Restaurants
    • Drugstores
  • 1% cash back for every other purchase
Introductory Bonus Offer
  • $70 Amazon.com Gift Card instantly upon approval

Frequent Amazon shoppers can use this 5% discount to save a tidy sum. A study from Consumer Intelligence Resource Partners reported that the average Prime member is spending $1,400 per year at Amazon in 2018. If you spent that much you’d get $70 in cash back, enough for a nice gift. The gift card offer is a nice bonus too, and you won’t even need to meet a spending threshold to earn it.

The Prime card is made with metal, an unusual feature to find outside of premium credit cards.

To be eligible for this card you’ll need to have an Amazon Prime membership. If you’re not a Prime member you can apply for the Amazon Rewards Visa Signature Card (Review), which is less rewarding (3% back at Amazon) but there’s no fee involved.

If you don’t think you need Prime, you could always start with the regular Amazon Rewards card. Then, if you ever decide to get a Prime membership, you’ll automatically be upgraded to the Amazon Prime Rewards card. And likewise, if you ever cancel your Prime membership, you’ll be downgraded to the regular Amazon Rewards card.

  • Visa Signature Luxury Hotel Collection: Perks at eligible hotels, including complimentary WiFi, room upgrades when available, a $25 food and beverage credit, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance.
  • Shopping and travel protections: Including Purchase Protection, Extended Warranties, Baggage Delay Insurance, and more.
  • Purchase and Balance Transfer APR: 15.74% to 23.74% Variable
  • No foreign transaction fees
  • Annual fee: $0 (Amazon Prime membership required)
Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card

  • 3% cash back at:
    • Amazon
    • Whole Foods
  • 2% cash back at:
    • Restaurants
    • Gas stations
    • Drugstores
  • 1% cash back on all other purchases
  • $50 Amazon.com gift card instantly upon account approval
  • Purchase and Balance Transfer APR: 15.74%–23.74% Variable
  • Annual fee: $0 (Amazon Prime membership not required)
View card details
Amazon.com Store Card

Amazon.com Store Card

  • 5% back at Amazon for Prime members; no reward for non-Prime members
  • $10 Amazon.com gift card upon approval
  • Special financing options available for large purchases
  • Purchase APR: 28.24% Variable
  • Annual fee: $0
  • Closed-loop card: This card can only be used at Amazon.
View card details
Discover it® Cash Back

Discover it® Cash Back

  • 5% cash back in rotating categories (usually including Amazon), up to $1,500 spent per quarter (then 1%; activation required)
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: 0% for 14 months, then 13.49% - 24.49% Variable (for transfers made in the first 90 days)
  • No foreign transaction fee
  • Annual fee: $0
View card details
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%)
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 16.24%–26.24% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details
Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

  • 5% cash back at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases
  • $125 Amazon.com gift card upon account approval
  • Purchase APR: 15.24%–23.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Amazon Business American Express Card

Amazon Business American Express Card

  • 3% cash back at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases
  • $100 Amazon.com gift card upon account approval
  • Purchase APR: 15.24%–23.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
2 6
  • Requires active Prime membership
  • Cash back can be redeemed for statement credits or at Amazon.com checkout
  • Earn 5% back at Amazon.com and Whole Foods Market
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval
BEST PICK FOR

Students

Discover it® Student Cash Back

Discover it® Student Cash Back

Our rating
Min. credit level Limited Credit History
Details
(Rates & Fees)
Annual Fee $0
Regular APR 14.49% - 23.49% Variable
Apply Now

securely on the issuer's website

Student credit cards typically don’t offer the best rewards because they’re designed for people who are new to credit. But the Discover it® Student Cash Back (Review) has an excellent 5% cash back rate in rotating categories, just like the regular Discover it® Cash Back (Review).

Along with that cash back you’ll also get a $20 statement credit award for every year that you get a GPA of 3.0 or higher, a nice little bonus.

Spending Rewards
  • 5% cash back in categories that rotate every three months, up to $1,500 spent per quarter, then 1% (activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: New cardmembers get double cash back in the first year (awarded after the first year)

The 5% cash back calendar for 2020 is:

Quarter 5% Cash Back Categories
January – March Grocery Stores, Walgreens, CVS
April – June Gas Stations, Uber, Lyft, Wholesale Clubs
July – September Restaurants, PayPal
October – December Amazon.com, Target.com, Walmart.com
  • Good Grade Reward: Discover will give you a $20 statement credit reward for every year that you get a 3.0 GPA or higher, for up to five years.
  • Free credit score: Track your FICO Score 8 over time, based on your TransUnion credit report.
  • Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
  • New account alerts: Get notified of any new accounts or inquiries on your Experian credit report.
  • Purchase APR: 14.49% - 23.49% Variable
  • Balance Transfer APR: 10.99% for 6 months, then 14.49% - 23.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
Bank of America Cash Rewards™ Credit Card for Students

Bank of America Cash Rewards™ Credit Card for Students

  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% rewards only up to $2,500 per quarter, then 1% cash back
  • Purchase and Balance Transfer APR: 0% for 12 months, then 16.24%–26.24% Variable
  • Annual fee: $0
View card details
Discover it® Student chrome

Discover it® Student chrome

  • 2% cash back, up to $1,000 spent per quarter (then 1%), at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Cashback Match: Double all cash back rewards earned in the first year
  • Purchase APR: 14.49% - 23.49% Variable
  • Balance Transfer APR: 10.99% for 6 months, then 14.49% - 23.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

  • 1% cash back on every purchase
    • 1.25% cash back when you pay on time
  • Higher credit line: Access a higher credit line after making your first five monthly payments on time.
  • Purchase and Balance Transfer APR: 26.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Deserve Edu Mastercard

Deserve Edu Mastercard

  • 1% cash back on all purchases
  • Perks: One free year of Amazon Prime Student, potential limited Priority Pass Select membership, insurance and furniture rental rebates
  • Purchase APR: 20.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Wells Fargo Cash Back College Card

Wells Fargo Cash Back College Card

  • 3% cash back for the first 6 months, up to $2,500 spent, on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Purchase APR: 0% for 6 months, then 12.15%–22.15% Variable
  • Balance Transfer APR: 0% for 6 months, for transfers made within 120 days, then 12.15%–22.15% Variable
  • Annual fee: $0
View card details
2 5
  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% – 23.49% applies.
  • Click “APPLY NOW” to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
BEST PICK FOR

Bad Credit

Discover it® Secured

Discover it® Secured

Our rating
Min. credit level Bad
Details
(Rates & Fees)
Annual Fee $0
Regular APR 24.49% Variable
Apply Now

securely on the issuer's website

If you have bad credit (a FICO score of 579 or less) you’ll have trouble qualifying for most credit cards, especially those with rewards programs. You will have some options, however.

Secured credit cards are designed for people with poor or limited credit. They require a refundable security deposit when you apply for them, which will fund the credit limit.

You can use a secured card to improve your credit, building up a history of positive activity and on-time payments. When your credit is good enough you can close the card, get your deposit back, and apply for a better unsecured card.

The Discover it® Secured (Review) is the best secured card available, in our estimation. Secured cards usually have no rewards and few benefits, and sometimes come with high fees. But not only does the Discover it Secured have generally favorable terms, it also comes with a solid cash back program — the kind you might expect to find on an unsecured rewards card.

Spending Rewards
  • 2% cash back on up to $1,000 spent per quarter at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year

So not only can you earn cash back, you’ll actually get double that amount in your first year. That makes the Discover it Secured stand out among secured cards, providing cardholders with a way to build credit and earn rewards at the same time.

Discover will also review your card account and overall credit every eight months. If you’ve been a responsible credit user, always making on-time payments, they may consider returning your security deposit and allowing you to continue using the card. Discover will be checking your overall credit with the credit bureaus, including how you use other credit cards, not just your usage of this card.

This is a great feature to have, and you won’t find it on every secured card. As long as you continue using it responsibly and maintain good credit habits in general, you can expect to eventually get your deposit back and later on graduate to an unsecured rewards card.

  • Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
  • New account alerts: Get notified of any new accounts or inquiries on your Experian credit report.
  • Purchase APR: 24.49% Variable
  • Balance Transfer APR: 10.99% for 6 months, then 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
  • Security deposit: $200 to $2,500
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you’ve earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click “APPLY NOW” to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
BEST PICK FOR

Fair or Average Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Our rating
Min. credit level Fair
Details
Annual Fee $39
Regular APR 26.99% Variable
Apply Now

securely on the issuer's website

If you don’t have good credit, you may not be approved for some of the cards on this page. But the Capital One® QuicksilverOne® Cash Rewards Credit Card (Review) is one of the few rewards credit cards that are designed specifically for fair or average credit (a FICO credit score of around 580–669).

Spending Rewards
  • 1.5% cash back on all purchases

Use this card responsibly, always paying your credit card bills on time. We recommend paying your entire statement balance each billing period, to help your credit utilization. It will also help you stave off credit card debt because you won’t accrue interest charges on purchases with this strategy.

  • Higher credit line: Access a higher credit line after making your first five monthly payments on time.
  • CreditWise: Use the CreditWise tool to monitor your TransUnion credit report, and your VantageScore 3.0 based on that report.
  • Purchase and Balance Transfer APR: 26.99% Variable
  • No foreign transaction fee
  • Annual fee: $39
Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

  • 1% cash back for every purchase
    • 1.25% cash back if you pay on time
  • Perk: Higher credit line after making your first five monthly payments on time
  • Purchase and Balance Transfer APR: 26.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

  • 1% cash back on all purchases
  • Purchase and Balance Transfer APR: 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

The information related to Capital One® QuicksilverOne® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Business Flat-Rate Cash Back

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Our rating
Min. credit level Excellent
Details
Annual Fee $0 intro for first year; $95 after that
Regular APR 18.49% Variable
Apply Now

securely on the issuer's website

Looking for an easy way to earn some rewards for your business spending? Look no further.

The Capital One® Spark® Cash for Business (Review) offers a simple, flat reward rate, with no worrying about which card to use for which purchases.

Spending Rewards
  • 2% cash back for all purchases
Introductory Bonus Offer
  • $500 cash bonus for spending $4,500 in the first 3 months

There’s no limit to the cash back you can earn, making this a good choice for businesses that spend a lot. Consider pairing this card with other business credit cards that do have bonus categories, and which typically come with spending limits; you can use those other cards when spending in their categories, and the Spark Cash for everything else.

  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
  • Shopping and travel protections: Extended Warranty, Price Protection, Travel Accident Insurance, Lost Luggage Reimbursement, and more
  • Purchase and Balance Transfer APR: 18.49% Variable
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
  • Purchase and Balance Transfer APR: 0% for 12 months, then 13.24–19.24% Variable
  • Annual fee: No annual fee
View card details
Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business

  • 1.5% cash back for all purchases
  • $200 cash bonus for spending $3,000 in the first 3 months after account opening
  • Purchase APR:0% intro on purchases for 9 months, then 14.49% - 22.49% Variable
  • Balance Transfer APR: 14.49% - 22.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

  • 1.5% cash back for all purchases
  • $500 cash bonus for spending $3,000 on purchases in the first 3 months after account opening
  • Purchase APR:0% Intro APR on Purchases for 12 months, then 14.74% - 20.74% Variable
  • Balance Transfer APR: 14.74% - 20.74% Variable
  • Annual fee: $0
View card details
Discover it® Business Card

Discover it® Business Card

  • 1.5% cash back for all purchases
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)
  • Purchase APR: 0% for 12 Months, then 14.49% - 22.49% Variable
  • Balance Transfer APR: 14.49% - 22.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

  • 1% cash back on all purchases
  • Purchase and Balance Transfer APR: 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
2 5
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

The information related to Capital One® Spark® Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Business Bonus Categories

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Our rating
Min. credit level Excellent
Details
Annual Fee $0
Regular APR 14.74% - 20.74% Variable

Business owners have a nice variety of credit cards to choose from, and some — like the Ink Business Cash℠ Credit Card (Review) — can be quite valuable.

Your 5% and 2% cash back categories have some spending limits (except for Lyft), so this card might not be suitable for bigger companies. Or you could always pair the Ink Business Cash with other business cards (like the runners up, or flat-rate cards below) and split up your spending.

Spending Rewards
  • 5% cash back on Lyft rides
  • 5% cash back on up to $25,000 spent per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $500 cash back for spending $3,000 in the first 3 months
  • Chase Offers and Shop through Chase: Earn extra cash back with Shop through Chase or find discounts with Chase Offers.
  • Free employee cards
  • Shopping and travel protections: Including Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
  • Purchase APR: 0% Intro APR on Purchases for 12 months, then 14.74% - 20.74% Variable
  • Balance Transfer APR: 14.74% - 20.74% Variable
  • Annual fee: $0
Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

  • 3% cash back in your choice of one category each month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back on Dining
  • 1% cash back for every other purchase
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per year (then 1%)
  • Purchase APR: 0% for 9 billing cycles, then 13.74% - 23.74% Variable APR
  • Annual fee: $0.00
View card details
U.S. Bank Business Cash Rewards World Elite™ Mastercard®

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

  • 3% cash back on:
    • Gas
    • Office supply stores
    • Cellular service providers
  • 1% cash back on all other purchases
  • $200 cash back for spending $1,000 in the first 90 days
  • Purchase APR: 0% for 9 billing cycles, then 12.99%–23.99% Variable
  • Balance Transfer APR: 12.99%–23.99% Variable
  • Annual fee: $0
View card details
Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

  • 5% cash back at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases
  • $125 Amazon.com gift card upon account approval
  • Purchase APR: 15.24%–23.24% Variable
  • Balance Transfer APR: None
  • No foreign transaction fee
  • Annual fee: $0
View card details
Amazon Business American Express Card

Amazon Business American Express Card

  • 3% cash back at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases
  • $100 Amazon.com gift card upon account approval
  • Purchase APR: 15.24%–23.24% Variable
  • Balance Transfer APR: None
  • No foreign transaction fee
  • Annual fee: $0
View card details
Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

  • 4% cash back on eligible Gas, including gas at Costco; up to $7,000 per year, then 1% back
  • 3% cash back:
    • At Restaurants
    • On Travel
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Purchase APR: 15.24% (Variable)
  • No foreign transaction fee
  • Annual fee: $0 (Costco membership required)
View card details
2 5

Cash Back Cards With Annual Fees

Some cash back cards have annual fees, but this shouldn’t necessarily stop you from getting one of them. You’ll just need to make sure that you’ll get enough out of the card to justify that fee, from the cash back and other benefits.

An easy way to figure this out is to calculate how much spending it would take to earn enough cash back to offset that annual fee for one year. If you’ll spend at least that much with the card, it may be a good choice for you.

You’ll want to spend more than that to make the card actually profitable, of course, rather than just offset the fee. And you should also make sure that you won’t be able to get more value from a different card with the same level of spending.

For example, consider two hypothetical credit cards:

  • Card A has an annual fee of $100 and provides 2% cash back for all purchases
  • Card B has no annual fee and provides 1.5% cash back for all purchases

Which card is more rewarding overall? That would depend on how much you spend.

To offset the $100 fee of Card A, you would need to spend $5,000, earning at the 2% rate. That would give you $100 in rewards, completely offsetting the annual fee, and leaving you at zero profit. That’s because $100 is 2% of $5,000.

If you spent that same $5,000 with Card B, you’d only get $75 in cash back, earning at the 1.5% rate. But that would be all profit, because there’s no annual fee to pay.

This shows how you’ll actually earn more profit overall with Card B if you spend $5,000 per year, even though it offers a lower cash back rate. You’ll need to factor in annual fees like this when considering the value of a card.

If you do the math, you’ll find that you actually need to spend $20,000 per year before you’ll earn an equal amount of cash back with these cards, after subtracting the annual fee. If you spend less than that per year, Card B is the more profitable choice. If you spend more than that, Card A finally becomes more profitable.

Amount Spent Annually Cash Back Earned (Card A) Cash Back Earned (Card B)
$2,500 -$50 $37.50
$5,000 $0 $75
$10,000 $100 $150
$20,000 $300 $300
$30,000 $500 $450

This is a simple example, and it doesn’t take into account any value you might get from the other card benefits. But some calculations like these will work to compare cards in most cases, including most of the cards on this page.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the American Express Cash Magnet® Card, please click here.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Capital One® Savor® Cash Rewards Credit Card, Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Spark® Cash for Business, Capital One® Quicksilver® Cash Rewards Credit Card, Costco Anywhere Visa® Card by Citi, Capital One® SavorOne® Cash Rewards Credit Card, Amazon Business Prime American Express Card, Amazon Business American Express Card, Journey® Student Rewards from Capital One®, Capital One® Spark® Classic for Business, Capital One® Spark® Cash Select for Business, and Costco Anywhere Visa® Business Card by Citi have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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