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RATING
2021

Best Cash Back Credit Cards of September 2021

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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.

How We Picked These Cards Is a Cash Back Card Right for You?

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 Chase Freedom Flex℠, Capital One Savor Cash Rewards Credit Card, Jasper Cash Back Mastercard®, American Express Cash Magnet® Card, Amazon Business Prime American Express Card, Amazon Business American Express Card, Capital One Spark Classic for Business, American Express Blue Business Cash™ Card, and Capital One Spark Cash Select - $500 Cash Bonus have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

How We Picked These Cards

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?

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.

Best Pick For...

Flat-Rate Cash Back

Citi® Double Cash Card - 18 month BT offer

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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR13.99% – 23.99% (Variable)
  • 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.
Cash Back Rewards

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 (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
Why We Picked It

The Double Cash is a fairly simple card, 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.

The rewards you earn here can be converted to ThankYou points, rather than redeemed as typical cash back. ThankYou points can be converted to airline miles for a better value, though your transfer partners will be limited to JetBlue unless you also have the Citi Prestige® Card or Citi Premier® Card.

Key Features
  • 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.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
  • Balance Transfer fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
  • Annual fee: $0
Runners Up8

Wells Fargo Active Cash Card

Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Perks: Free FICO Score 9 credit score; Visa Signature Concierge; Luxury Hotel Collection
  • Shopping and travel protections: Cellular Telephone Protection; Roadside Dispatch; Travel and Emergency Assistance Services
  • Purchase APR: 0% for 15 months, then 14.99%, 19.99%, or 24.99% Variable
  • Balance Transfer APR: 0% for 15 months, then 14.99%, 19.99%, or 24.99% Variable
  • Balance Transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5
  • Annual fee: $0
View card details

PayPal Cashback Mastercard®

Spending Rewards
  • 2% cash back on all purchases
  • Purchase APR: 22.24%, 26.24% or 29.24% Variable
  • Annual fee: $0
View card details

Chase Freedom Unlimited®

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: 3-month DoorDash membership; Shop through Chase/Chase Offers; ShopRunner membership; Lyft credits; Boxed rewards; Fandango discount
  • Shopping protections: Purchase Protection, Extended Warranty
  • Travel protections: Auto Rental Collision Damage Waiver, Trip Cancellation/Trip Interruption Insurance, Roadside Dispatch, Travel and Emergency Assistance Services
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

Capital One Quicksilver Cash Rewards Credit Card

Spending Rewards
  • 1.5% cash back on all purchases
Introductory Bonus
  • $200 cash bonus for spending $500 within 3 months of account opening
  • Perks: Mastercard Concierge (Mastercard World Elite only); Capital One CreditWise
  • Shopping and travel protections: Cell Phone Protection, Price Protection, Extended Warranty, MasterRental Coverage, Master RoadAssist Service
  • Purchase APR: 0% for 15 months, then 14.99% - 24.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

American Express Cash Magnet® Card

Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • $150 cash back for spending $1,000 in the first 3 months
  • Perks: Amex Offers; ShopRunner membership
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

American Express Cash Magnet® Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

PenFed Power Cash Rewards Visa Signature® Card

Spending Rewards
  • 1.5% cash back on all purchases made with your card
    • 2% cash back on all purchases for PenFed Honors Advantage Members
Introductory Bonus
  • $100 statement credit after spending $1,500 in the first 90 days
  • Perks: Free FICO credit score; Fine Wine and Food; Visa Signature Entertainment; Visa Signature Concierge
  • Shopping protections: Extended Warranty, Purchase Security
  • Travel protections: Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel Accident Insurance
  • Balance Transfer APR: 0% for 12 months, then 17.99%
  • Balance Transfer fee: 3% per transaction
  • No foreign transaction fee
  • Annual fee: $0
View card details

Alliant Cashback Visa® Signature Credit Card

Spending Rewards
  • Tier One Rewards:
    • 2.5% cash back on the first $10,000 of qualifying eligible purchases per billing cycle
    • 1.5% cash back on all other purchases
  • Tier Two Rewards:
    • 1.5% cash back on all purchases
  • Shopping and travel protections: Purchase Security, Extended Warranty, Travel Accident Insurance, Auto Rental Collision Damage Waiver, Roadside Dispatch
  • No foreign transaction fee
  • Annual fee: $99, $0 first year
View card details

HSBC Cash Rewards Mastercard® credit card

Spending Rewards
  • 3% cash back on all purchases in the first 12 months, up to $10,000 spent
  • 1.5% cash back on all purchases after that
  • Perks: 10% annual cash back bonus
  • Purchase APR: 0% for 12 months, then 14.99–24.99% Variable
  • Balance Transfer APR: 0% for 12 months, then 14.99–24.99% Variable
  • Balance Transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
  • No foreign transaction fee
  • Annual fee: $0
View card details

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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% on purchases for 15 months, then 13.99% - 23.99% Variable

Rates & Fees

  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 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.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
Cash Back Rewards

The Blue Cash Everyday® Card from American Express (Review) is one of your best options for cash back on gas, with a solid rate for no annual fee. If you’re willing to pay an annual fee or don’t mind rotating bonus categories, you’ll find some interesting options in the runners up.

Spending Rewards
  • 3% cash back at U.S. supermarkets (earned as a statement credit; up to $6,000 per year in purchases, then 1%)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus
  • 20% back for Amazon purchases in the first 6 months, up to $150 back; $100 back for spending $2,000 in the first 6 months (earned as a statement credit)

American Express offers a host of other features along with the gas category, including Amex Offers, where you can earn extra cash back at all sorts of retailers.

Key Features
  • Amex Offers: Earn extra cash back at a variety of merchants.
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive tickets to events, concerts, sports, and shows
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

Runners Up7

Blue Cash Preferred® Card from American Express

Spending Rewards
  • 6% cash back:
    • U.S. supermarkets (up to $6,000 spent annually, then 1%)
    • Select U.S. streaming services
  • 3% cash back:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus
  • 20% back for Amazon purchases in the first 6 months, up to $200 back; $150 back for spending $3,000 in the first 6 months (earned as a statement credit)
  • Perks: Amex Offers; $120 Equinox+ credit ($10 per month); ShopRunner membership
  • Shopping and travel protections: Return Protection, Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
  • Annual fee: $0 introductory annual fee for the first year, then $95

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Preferred® Card from American Express (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: Free credit score; Social Security number alerts; Inquiry and new account alerts
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 5% cash back in rotating categories, up to $1,500 spent per quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: DoorDash membership; Shop through Chase/Chase Offers; ShopRunner membership; Lyft credits; Boxed rewards; Fandango discount
  • Shopping and travel protections: Cell Phone Protection, Purchase Protection, Extended Warranty Protection, Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
  • Annual fee: $0

View card details

Citi Custom Cash℠ Card

Spending Rewards
  • 5% cash back in your top spend category each billing cycle (up to $500 spent, then 1%)
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $750 in the first 3 months
  • Perks: Free FICO credit score; Citi Entertainment; Mastercard ID Theft protection
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 5%, $5 minimum
  • Annual fee: $0
View card details

Costco Anywhere Visa® Card by Citi

Spending Rewards
  • 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 Protection: Eligible purchases are covered for damage and theft for 120 days (90 days for NY residents).
  • Purchase and Balance Transfer APR: 15.24% (Variable)
  • Annual fee: $0 (Costco membership required)
View card details

Sam’s Club® Mastercard®

Spending Rewards
  • 5% cash back for Gas in the U.S. and Puerto Rico, including gas at Sam's Club (up to $6,000 spent per year)
  • 3% cash back for:
    • Dining
    • Travel
  • 1% cash back on all other purchases
  • Cap of $5,000 in cash back rewards per year
Introductory Bonus
  • $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
  • No foreign transaction fee
  • Annual fee: $0
View card details

Discover it® chrome

Spending Rewards
  • 2% cash back on up to $1,000 spent per quarter, then 1%, at
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: FICO Credit Scorecard; Cash at Checkout
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

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  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $95
  • Purchase APR0% on purchases for 12 months, then 13.99% - 23.99% Variable

Rates & Fees

  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 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.
  • Low intro APR: 0% for 12 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.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
Cash Back Rewards
Spending Rewards
  • 6% cash back:
    • U.S. supermarkets (up to $6,000 spent annually, then 1%)
    • Select U.S. streaming services
  • 3% cash back:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus
  • 20% back for Amazon purchases in the first 6 months, up to $200 back; $150 back for spending $3,000 in the first 6 months (earned as a statement credit)

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.

Why We Picked It

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.

Key Features
  • Amex Offers: Find offers for extra cash back at a changing selection of merchants.
  • $120 Equinox+ Credit: Get up to $10 per month for a stand-alone monthly membership to the Equinox+ app. Will not apply if you purchase the membership through the Equinox app or a third party.
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • Shopping protections: Return Protection, Extended Warranty, Purchase Protection
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 12 months, then 13.99% - 23.99% Variable
  • Annual fee: $0 introductory annual fee for the first year, then $95

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Preferred® Card from American Express (Rates & Fees)

Runners Up5

Blue Cash Everyday® Card from American Express

Spending Rewards
  • 3% cash back at U.S. supermarkets (earned as a statement credit; up to $6,000 per year in purchases, then 1%)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus
  • 20% back for Amazon purchases in the first 6 months, up to $150 back; $100 back for spending $2,000 in the first 6 months (earned as a statement credit)
  • Perks: Amex Offers; ShopRunner membership; Entertainment Access
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Bank of America® Customized Cash Rewards Card

Spending Rewards
  • 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 other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 3%, $10 minimum
  • Annual fee: $0
View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: Free credit score; Social Security number alerts; Inquiry and new account alerts
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 5% cash back in rotating categories, up to $1,500 spent per quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: DoorDash membership; Shop through Chase/Chase Offers; ShopRunner membership; Lyft credits; Boxed rewards; Fandango discount
  • Shopping and travel protections: Cell Phone Protection, Purchase Protection, Extended Warranty Protection, Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

Citi Custom Cash℠ Card

Spending Rewards
  • 5% cash back in your top spend category each billing cycle (up to $500 spent, then 1%)
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $750 in the first 3 months
  • Perks: Free FICO credit score; Citi Entertainment; Mastercard ID Theft protection
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 5%, $5 minimum
  • Annual fee: $0
View card details

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Dining at Restaurants

Capital One Savor Cash Rewards Credit Card

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  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.99% - 24.99% Variable
Cash Back Rewards

Spending Rewards
  • 8% cash back on tickets at Vivid Seats
  • 4% cash back on:
    • Dining
    • Entertainment
    • Streaming Services
  • 3% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $300 cash bonus for spending $3,000 in the first 3 months

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.

Why We Picked It

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.

The Savor’s 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%.

Key Features
  • 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.
  • Complimentary travel planning: Call your concierge at 1-877-288-6784 any time for access to professional travel advisors.
  • World Elite Hotels & Resorts Portfolio: You’ll get complimentary discounts and benefits at over 900 hotel properties, including Marriott, Hyatt, InterContinental, and more.
  • MasterTrip Travel Assistance: Help with travel, like information on regional requirements and medical referrals
  • Master RoadAssist Service: Call 1-800-MC-ASSIST for help with towing, tire changes, and other road services.
  • MasterRental Insurance: Coverage for rented vehicles against damage and theft, as long as you decline the rental company’s own insurance
  • Travel Accident Insurance: Available when traveling by common carrier, which covers you and your family against accidental injury or loss of life
  • Extended Warranty: Will extend an eligible manufacturer’s warranty
  • No foreign transaction fee
  • Annual fee: $95
Runners Up6

Capital One SavorOne Cash Rewards Credit Card

Spending Rewards
  • 8% cash back on tickets at Vivid Seats (through January 2023)
  • 3% cash back for:
    • Dining
    • Grocery stores
    • Streaming Services
    • Entertainment
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash bonus for spending $500 in the first 3 months
  • Perks: Premium Access with OpenTable; Mastercard Concierge (Mastercard World Elite only)
  • Shopping and travel protections: Cell Phone Protection, Extended Warranty, Price Protection, MasterRental Coverage, Master RoadAssist Service
  • Purchase APR: 0% for 15 months, then 14.99% - 24.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

U.S. Bank Cash+™ Visa Signature® Card

Spending Rewards
  • 5% cash back on your choice of two bonus categories (up to $2,000 in combined net purchases per quarter)
  • 2% cash back on your choice of one everyday category:
    • Gas
    • Groceries
    • Restaurants
  • 1% cash back on everything else
Introductory Bonus
  • $200 cash bonus for spending $1,000 in the first 120 days after account opening
  • Perks: Free credit score; Visa Signature Concierge; Visa Signature Luxury Hotel Collection
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Roadside Dispatch
  • Balance Transfer APR: 0%* intro on BTs for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • Annual fee: $0*
View card details

Bank of America® Customized Cash Rewards Card

Spending Rewards
  • 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 other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 3%, $10 minimum
  • Annual fee: $0
View card details

Citi Custom Cash℠ Card

Spending Rewards
  • 5% cash back in your top spend category each billing cycle (up to $500 spent, then 1%)
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $750 in the first 3 months
  • Perks: Free FICO credit score; Citi Entertainment; Mastercard ID Theft protection
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 5%, $5 minimum
  • Annual fee: $0
View card details

Costco Anywhere Visa® Card by Citi

Spending Rewards
  • 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 Protection: Eligible purchases are covered for damage and theft for 120 days (90 days for NY residents).
  • Purchase and Balance Transfer APR: 15.24% (Variable)
  • Annual fee: $0 (Costco membership required)
View card details

Sam’s Club® Mastercard®

Spending Rewards
  • 5% cash back for Gas in the U.S. and Puerto Rico, including gas at Sam's Club (up to $6,000 spent per year)
  • 3% cash back for:
    • Dining
    • Travel
  • 1% cash back on all other purchases
  • Cap of $5,000 in cash back rewards per year
Introductory Bonus
  • $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
  • No foreign transaction fee
  • Annual fee: $0
View card details

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.

Rotating Reward Categories

Discover it® Cash Back

Our rating:
  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APRSee Terms
Cash Back Rewards

The Discover it® Cash Back (Review) is one of the best cash back credit cards available, thanks in large part to Discover’s unique Cashback Match.

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year

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

Quarterly Reward Categories

Here are the 5% categories for 2021:

Quarter 5% Cash Back Categories
January – March Grocery Stores, Walgreens, CVS
April – June Gas Stations, Wholesale Clubs, Select Streaming Services
July – September Restaurants, PayPal
October – December Amazon.com, Target.com, Walmart.com
Key Features
  • 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.
  • Inquiry and new account alerts: Alerts if any new credit inquiries or accounts show up on your Experian credit report
  • No foreign transaction fee
  • Annual fee: $0
Runners Up2

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 5% cash back in rotating categories, up to $1,500 spent per quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: DoorDash membership; Shop through Chase/Chase Offers; ShopRunner membership; Lyft credits; Boxed rewards; Fandango discount
  • Shopping and travel protections: Cell Phone Protection, Purchase Protection, Extended Warranty Protection, Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
  • Annual fee: $0

View card details

U.S. Bank Cash+™ Visa Signature® Card

Spending Rewards
  • 5% cash back on your choice of two bonus categories (up to $2,000 in combined net purchases per quarter)
  • 2% cash back on your choice of one everyday category:
    • Gas
    • Groceries
    • Restaurants
  • 1% cash back on everything else
Introductory Bonus
  • $200 cash bonus for spending $1,000 in the first 120 days after account opening
  • Perks: Free credit score; Visa Signature Concierge; Visa Signature Luxury Hotel Collection
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Roadside Dispatch
  • Balance Transfer APR: 0%* intro on BTs for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • Annual fee: $0*

View card details
Choosing Your Own Categories

U.S. Bank Cash+™ Visa Signature® Card

Our rating:
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  • Min. credit levelGood
  • Annual Fee$0*
  • Purchase APR13.99% - 23.99%* Variable

Rates & Fees

  • Earn up to $550 cash back in the first year.
  • $200 bonus after spending $1,000 in eligible net purchases within the first 120 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
Cash Back Rewards

A fairly unique entry in the U.S. Bank family of credit cards, the U.S. Bank Cash+™ Visa Signature® Card (Review) 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 on your choice of two bonus categories (up to $2,000 in combined net purchases per quarter)
  • 2% cash back on your choice of one everyday category:
    • Gas
    • Groceries
    • Restaurants
  • 1% cash back on everything else
Introductory Bonus
  • $200 cash bonus for spending $1,000 in the first 120 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.

Quarterly Reward Categories

You can pick from any two of these:

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

And one of these:

2% Cash Back Categories
Gas Stations Grocery Stores Restaurants
Key Features
  • 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
  • Balance Transfer APR: 0%* intro on BTs for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • Annual fee: $0*
Runners Up2

Bank of America® Customized Cash Rewards Card

Spending Rewards
  • 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 other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 3%, $10 minimum
  • Annual fee: $0

View card details

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Spending Rewards
  • 3% cash back in one category of your choice each month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back on Dining
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $50,000 per year, then 1% back
Introductory Bonus
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Perks: Preferred Rewards for Business
  • Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
  • Annual fee: $0.00

View card details
Shopping at Amazon.com

Amazon Prime Rewards Visa Signature Card

Our rating:
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  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR14.24% to 22.24% Variable
  • 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
  • $100 Amazon.com Gift Card instantly upon approval
  • $0 annual fee
Cash Back Rewards

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.com
    • Whole Foods Market
  • 2% cash back at:
    • Gas Stations
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $100 Amazon.com Gift Card instantly upon approval
Why We Picked It

Frequent Amazon shoppers can use this 5% cash back rate 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 (there are other metal credit cards with no annual fee, but not many).

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 (learn more about Amazon’s other credit cards).

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.

Key Features
  • 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
  • No foreign transaction fee
  • Annual fee: $0
Runners Up6

Amazon Rewards Visa Signature Card

Spending Rewards
  • 3% cash back at:
    • Amazon.com
    • Whole Foods Market
  • 2% cash back at:
    • Gas stations
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $50 Amazon.com gift card instantly upon account approval
  • Perks: Visa Signature Luxury Hotel Collection; Visa Signature Concierge
  • Shopping and travel protections: Including Purchase Protection, Extended Warranties, Baggage Delay Insurance, and more
  • No foreign transaction fee
  • Annual fee: $0

View card details

Amazon Prime Store Card

Spending Rewards
  • 5% back at Amazon
Introductory Bonus
  • $10 Amazon gift card upon approval
  • Special financing options available for large purchases
  • Annual fee: $0
  • Closed-loop card: This card can only be used at Amazon.

View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: Free credit score; Social Security number alerts; Inquiry and new account alerts
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0

View card details

Bank of America® Customized Cash Rewards Card

Spending Rewards
  • 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 other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 3%, $10 minimum
  • Annual fee: $0

View card details

Amazon Business Prime American Express Card

Spending Rewards
  • 5% cash back (up to $120,000 spent per year) 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
Introductory Bonus
  • $125 Amazon.com gift card upon account approval
  • No foreign transaction fee
  • Annual fee: $0

View card details

Amazon Business American Express Card

Spending Rewards
  • 3% cash back (up to $120,000 spent per year) 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
Introductory Bonus
  • $100 Amazon.com gift card upon account approval
  • No foreign transaction fee
  • Annual fee: $0

View card details
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APRSee Terms
Cash Back Rewards

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).

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back rewards earned in the first year
Why We Picked It

Along with that 5% 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.

The 5% cash back calendar for 2021 is:

Quarter 5% Cash Back Categories
January – March Grocery Stores, Walgreens, CVS
April – June Gas Stations, Wholesale Clubs, Select Streaming Services
July – September Restaurants, PayPal
October – December Amazon.com, Target.com, Walmart.com
Key Features
  • 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: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0
Runners Up7

Bank of America Customized Cash Rewards™ Credit Card for Students

Spending Rewards
  • 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
  • 3% and 2% rewards only up to $2,500 per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Bank of America Preferred Rewards; Free credit score; Visa Platinum or Signature benefits
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 3%, $10 minimum
  • Annual fee: $0
View card details

Capital One SavorOne Student Cash Rewards Credit Card

Spending Rewards
  • 8% cash back at Vivid Seats (until 1/31/23)
  • 3% cash back for:
    • Dining
    • Grocery stores
    • Streaming services
    • Entertainment
  • 1% cash back on all other purchases
  • Perks: Capital One Shopping; Concierge service; Free credit scores with CreditWise; Premier Culinary Experiences; Must-See Music Events; Big-Time Sports Events
  • Shopping and travel protections: Extended Warranty; Travel Accident Insurance; Travel Assistance Services
  • No foreign transaction fee
  • Annual fee: $0
View card details

Capital One Quicksilver Student Cash Rewards Credit Card

Spending Rewards
  • 1.5% cash back for all purchases
  • Perks: Capital One Shopping; Concierge service; Free credit scores with CreditWise; Premier Culinary Experiences; Must-See Music Events; Big-Time Sports Events
  • Shopping and travel protections: Extended Warranty; Travel Accident Insurance; Travel Assistance Services
  • No foreign transaction fee
  • Annual fee: $0
View card details

Discover it® Student chrome

Spending Rewards
  • 2% cash back, up to $1,000 spent per quarter (then 1%), at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back rewards earned in the first year
  • Perks: Good Grade Reward; Free credit score; Social Security number alerts; New account alerts
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

Journey Student Rewards from Capital One

Spending Rewards
  • 1% cash back on all purchases
    • Pay on time and that goes up to 1.25% cash back
  • Perks: $60 streaming credit ($5 per month for 12 months), when you pay on time; Potential access to a higher credit line after six months; Capital One CreditWise
  • No foreign transaction fee
  • Annual fee: $0
View card details

Deserve Edu Mastercard

Spending Rewards
  • 1% cash back on all purchases
Introductory Bonus
  • One year of Amazon Prime Student for spending $500 in the first 3 billing cycles
  • Perks: Potential limited Priority Pass Select membership; Insurance and furniture rental rebates
  • No foreign transaction fee
  • Annual fee: $0
View card details

Wells Fargo Cash Back College Card

Spending Rewards
  • 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
  • Bonus cash back at participating merchants in the Earn More Mall
  • 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
  • Balance Transfer fee: 3%, $5 minimum for transfers made within 120 days; 5%, $5 minimum after that
  • Annual fee: $0
View card details
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  • Min. credit levelBad
  • Annual Fee$0
  • Purchase APR23.99% Variable
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • After you spend $2,500 in the 3% and 2% categories, you’ll earn 1% cash back until the quarter ends
  • Security deposit between $300-$4,900 is required to open your account upon approval
  • Bank of America will periodically review your account and return your security deposit if you qualify
  • 3% foreign transaction fee
  • No annual fee
Cash Back Rewards
Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drug stores
    • Home improvement/furnishings
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back

So not only can you earn cash back, you’ll actually get to choose your own 3% category. That makes the Bank of America® Customized Cash Rewards Secured Card stand out among secured cards, providing cardholders with a way to build credit and earn rewards at the same time.

Why We Picked It

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 Bank of America Cash Rewards Secured is one of the best secured cards available, in our estimation. Secured cards usually have no rewards and few benefits, and sometimes come with high fees. But not only does this card 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.

Bank of America will also review your card account and overall credit every now and then. 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. BofA 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 probably get your deposit back eventually and later on work your way up to an unsecured rewards card.

Key Features
  • Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Annual fee: $0
  • Security deposit: $300–$4,900
Runner Up1

Discover it® Secured

Spending Rewards
  • 2% cash back on up to $1,000 in purchases per quarter (then 1%), at:
    • Restaurants
    • Gas Stations
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year
  • Perks: Free credit score; Social Security number alerts; Credit inquiry and new account alerts
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0
  • Security deposit: $200–$2,500
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  • Min. credit levelFair
  • Annual Fee$39
  • Purchase APR26.99% Variable
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • 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
Cash Back Rewards

It’s pretty simple, but not bad for a flat-rate card — especially one made for fair or average credit. You’ll get the same amount of cash back wherever you shop, with no limit, and with no worrying about bonus categories.

Spending Rewards
  • 1.5% cash back on all purchases
Why We Picked It

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).

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.

Key Features
  • Access a higher credit line: Capital One may automatically consider you for a higher credit line after six months.
  • Capital One CreditWise: The CreditWise service provides free access to one of your VantageScore 3.0 credit scores, based on your TransUnion credit report. You can monitor your score over time and get alerts about any changes. Anyone can enroll in the CreditWise service, cardholder or not.
  • Capital One Second Look fraud coverage: This tool will automatically monitor your account, 24/7, for fraudulent activity.
  • Mastercard ID Theft Protection: Finding out that someone has stolen your identity and is pretending to be you is stressful. If you believe that you’ve been a victim of identity theft call 1-800-MC-ASSIST. These services are available at no charge.
  • No foreign transaction fee
  • Annual fee: $39
Runners Up3

Petal® 2 Cash Back, No Fees Visa® Card

Spending Rewards
  • 1% cash back on eligible purchases initially
  • 1.25% cash back on eligible purchases after 6 on-time payments
  • 1.5% cash back on eligible purchases after 12 on-time payments
  • Petal Offers: Get 2%–10% cash back from select merchants, with no activation necessary.
  • Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
  • Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
  • No foreign transaction fee
  • Annual fee: $0
View card details

Journey Student Rewards from Capital One

Spending Rewards
  • 1% cash back on all purchases
    • Pay on time and that goes up to 1.25% cash back
  • Perks: $60 streaming credit ($5 per month for 12 months), when you pay on time; Potential access to a higher credit line after six months; Capital One CreditWise
  • No foreign transaction fee
  • Annual fee: $0
View card details

Capital One Spark Classic for Business

Spending Rewards
  • 1% cash back on all purchases
  • Perks: Free employee cards; Quarterly and year-end summaries
  • Shopping and travel protections: Purchase Security; Extended Warranty; Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services
  • No foreign transaction fee
  • Annual fee: $0
View card details
Limited or No Credit

Petal® 2 Cash Back, No Fees Visa® Card

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  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Purchase APR12.99 - 26.99% Variable
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back at select merchants
  • $500-$10,000 credit limits
  • Variable APRs 12.99%-26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you’re pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Rewards

The Petal® 2 Cash Back, No Fees Visa® Card (Review) is one of very few cards designed for limited credit that also provides some cash back. And it’s not just 1%, either; you can earn up to 1.5% simply by paying on time.

Spending Rewards
  • 1% cash back on eligible purchases initially
  • 1.25% cash back on eligible purchases after 6 on-time payments
  • 1.5% cash back on eligible purchases after 12 on-time payments

With limited or no credit it can be hard to get approved for that first credit card, but Petal gives you a way in. Petal will look at your “full financial picture” to determine your creditworthiness, which includes connecting to your bank account to check your transaction activity. If you do have some credit established, Petal will check it and may not need to connect to your bank account.

Key Features
  • Petal Offers: Get 2% – 10% cash back from select merchants, with no activation necessary.
  • Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
  • Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
  • No foreign transaction fee
  • Annual fee: $0
Runner Up2

Petal® 1 No Annual Fee Visa® Card

  • Petal Offers: Get 2%–10% cash back from select merchants, with no activation necessary.
  • Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
  • No foreign transaction fee
  • Annual fee: $0
View card details

Jasper Cash Back Mastercard®

Spending Rewards
  • Up to 6% cash back on every eligible purchase (See terms: ):
    • 1% cash back normally (new referrals start at 2% for 12 months)
    • 1% extra cash back for 12 months per approved referral
  • Shopping and travel protections: Extended Warranty, Price Protection, Satisfaction Guarantee, Purchase Assurance, Cellular Wireless Telephone Protection, MasterRental Collision Damage Waiver, and more
  • No foreign transaction fee
  • Annual fee: $0
View card details
Business Flat-Rate Cash Back

Capital One Spark Cash Plus

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  • Min. credit levelGood
  • Annual Fee$150
  • Purchase APRNot Applicable - Paid in Full Monthly
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
Cash Back Rewards
Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $500 after spending $5,000 in the first 3 months; $500 after spending $50,000 in the first 6 months

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

The Capital One Spark Cash Plus offers a simple, flat reward rate, with no worrying about which card to use for which purchases.

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 Plus for everything else.

Key Features
  • Free employee cards
  • Shopping protections: Purchase Security, Extended Warranty Protection, Price Protection
  • Travel protections: Rental Insurance Coverage, Roadside Dispatch, Lost Luggage Reimbursement, Travel Accident Insurance
  • No foreign transaction fee
  • Annual fee: $150
Runners Up5

American Express Blue Business Cash™ Card

Spending Rewards
  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
Introductory Bonus
  • $250 statement credit for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Lowest Hotel Rates Guarantee; Connect to QuickBooks
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

American Express Blue Business Cash™ Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Capital One Spark Cash Select – $500 Cash Bonus

Spark Cash Select
Spending Rewards
  • 1.5% cash back for all purchases
Introductory Bonus
  • $500 cash bonus for spending $4,500 in the first 3 months after account opening
  • Purchase APR: None for None, then 13.24% - 19.24% (Variable)
  • No foreign transaction fee
  • Annual fee: $0
View card details

Ink Business Unlimited® Credit Card

Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 1.5% cash back for every other purchase
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
  • Perks: Shop through Chase and Chase Offers; Free employee cards
  • Shopping and travel protections: Purchase Protection; Extended Warranty Protection; Roadside Dispatch; Auto Rental Collision Damage Waiver; Baggage Delay Insurance; Lost Luggage Reimbursement; Travel Accident Insurance; Travel and Emergency Assistance Services
  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Annual fee: $0
View card details

Discover it® Business Card

Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)
  • Perks: FICO Credit Scorecard; Cash at Checkout; Social Security number alerts; Credit inquiry alerts
  • Purchase APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

Capital One Spark Classic for Business

Spending Rewards
  • 1% cash back on all purchases
  • Perks: Free employee cards; Quarterly and year-end summaries
  • Shopping and travel protections: Purchase Security; Extended Warranty; Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services
  • No foreign transaction fee
  • Annual fee: $0
View card details
Business Bonus Categories

Ink Business Cash® Credit Card

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  • Min. credit levelExcellent
  • Annual Fee$0
  • Purchase APR0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Cash Back Rewards
Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 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 to $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening

A variety of useful business categories makes the Ink Business Cash® Credit Card (Review) handy for businesses with typical office and local travel expenses.

Business owners have a nice variety of credit cards to choose from, and some — like this one — 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) and split up your spending.

Key Features
  • Free employee cards
  • Shop through Chase and Chase Offers: Earn extra cash back at select retailers with Shop through Chase or get discounts with Chase Offers.
  • Shopping and travel protections: Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Service
  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Annual fee: $0
Runners Up4

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Spending Rewards
  • 3% cash back in one category of your choice each month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back on Dining
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $50,000 per year, then 1% back
Introductory Bonus
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Perks: Preferred Rewards for Business
  • Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
  • Annual fee: $0.00
View card details

Amazon Business Prime American Express Card

Spending Rewards
  • 5% cash back (up to $120,000 spent per year) 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
Introductory Bonus
  • $125 Amazon.com gift card upon account approval
  • No foreign transaction fee
  • Annual fee: $0
View card details

Amazon Business American Express Card

Spending Rewards
  • 3% cash back (up to $120,000 spent per year) 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
Introductory Bonus
  • $100 Amazon.com gift card upon account approval
  • No foreign transaction fee
  • Annual fee: $0
View card details

Costco Anywhere Visa® Business Card by Citi

Spending Rewards
  • 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 Protection: Eligible purchases are covered for damage and theft for 120 days (90 days for NY residents).
  • Purchase and Balance Transfer APR: 15.24% (Variable)
  • Annual fee: $0 (Costco membership required)
View card details
Professional Immigrants to the U.S.

Jasper Cash Back Mastercard®

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  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR15.49%–24.99% Variable (based on creditworthiness)
  • Up to 6% cash back by referring friends!
  • Start with 1% and get an extra 1% for a full year for every friend you bring on board.
  • Cash back not limited to certain categories, earn on almost all everyday purchases.
  • No annual fee, no security deposit, no foreign transaction fees.
  • Simple, intuitive app to manage your account.
  • Unique auto payment options that help you build and maintain your credit score.
  • Receive cash back automatically every month as a statement credit after three on time payments.
  • Earn cash back as long as your account is in good standing.
  • Your cash back maximum varies based on your credit limit.
  • Issued by WebBank, Member FDIC.
Why We Picked It

Moving to the U.S.? The Jasper Cash Back Mastercard® (Review) might be designed for you.

It’s made for relocating professionals who don’t yet have an established credit history in the U.S., giving you the leg up you need to start building credit (along with a handy payment option).

You can apply for this card up to 60 days before you arrive in the States, or check to see if you’re prequalified before then. You won’t need a credit history to be approved, and there’s no SSN needed to apply. But you will need to get an SSN and provide it to Jasper within 60 days of card activation.

If you’ve been living here for at least a year, you’ll need to undergo a credit check and provide an SSN when you apply.

This card is available to anyone, not just immigrants to the U.S., and it could be a good option for anyone just getting into the world of credit.

Rewards
Spending Rewards
  • Up to 6% cash back on every eligible purchase (See terms: ):
    • 1% cash back normally (new referrals start at 2% for 12 months)
    • 1% extra cash back for 12 months per approved referral
Key Features
  • Shopping and travel protections: Extended Warranty, Price Protection, Satisfaction Guarantee, Purchase Assurance, Cellular Wireless Telephone Protection, MasterRental Collision Damage Waiver, and more
  • No foreign transaction fee
  • Annual fee: $0
Runners Up3

Petal® 2 Cash Back, No Fees Visa® Card

Spending Rewards
  • 1% cash back on eligible purchases initially
  • 1.25% cash back on eligible purchases after 6 on-time payments
  • 1.5% cash back on eligible purchases after 12 on-time payments
  • Petal Offers: Get 2%–10% cash back from select merchants, with no activation necessary.
  • Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
  • Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
  • No foreign transaction fee
  • Annual fee: $0
View card details

Petal® 1 No Annual Fee Visa® Card

  • Petal Offers: Get 2%–10% cash back from select merchants, with no activation necessary.
  • Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
  • No foreign transaction fee
  • Annual fee: $0
View card details

Discover it® Secured

Spending Rewards
  • 2% cash back on up to $1,000 in purchases per quarter (then 1%), at:
    • Restaurants
    • Gas Stations
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year
  • Perks: Free credit score; Social Security number alerts; Credit inquiry and new account alerts
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0
  • Security deposit: $200–$2,500
View card details

The information related to Jasper Cash Back Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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.

What’s the Best Cash Back Credit Card?

If you’re looking for flat-rate cash back rewards, we like the Citi® Double Cash Card – 18 month BT offer (Review). It gives 2% cash back for everything — 1% for purchases, 1% for payments.

Buying groceries or gas? Try the Blue Cash Preferred® Card from American Express (Review), which offers 6% back at U.S. supermarkets (up to $6,000 spent per year) and 3% back at U.S. gas stations.

Want a card with bonus categories that change over time? The Discover it® Cash Back (Review) provides 5% cash back in categories that change every three months, often including groceries, restaurants, rideshares, and Amazon (5% back is limited to $1,500 spent per quarter; category activation required).

Or, if you’re dealing with fair or average credit, the Capital One QuicksilverOne Cash Rewards Credit Card (Review) is designed for you. It comes with 1.5% back on everything, though it has a small annual fee.

What Are the Highest Cash Back Credit Cards?

The highest cash back rates currently available include, but aren’t limited to:

Though there are exceptions, you’ll notice that most credit cards with exceptionally high cash back rates have spending limits in their most rewarding categories.

How Do Cash Back Cards Work?

Cash back credit cards work like any other credit card. You have to apply to get one, you’ll get a specific credit limit, and if you carry a balance from month to month you’ll be charged interest (unless you have a 0% APR).

Purchases with cash back cards will earn “cash back rewards” — this means that a percentage of the purchase will be added to a special rewards bank in your credit card account.

If you’re getting 5% cash back for a $100 purchase, you’ll get $5 in cash back deposited in your rewards bank. Your cash back rewards can be redeemed in a variety of ways, depending on the card. But the most common method is for statement credits, which simply reduce your account balance.

Many cards have specific bonus categories that let you earn more cash back for certain purchases. Some of the most popular cash back cards have bonus categories for groceries, gas, and dining, for example.

And here’s a fun fact — even if you’re already earning cash back with a credit card, you may be able to boost your rewards with a cash back app like Dosh, which partners with businesses to provide rewards your card wouldn’t ordinarily provide.

Read more How Do Cash Back Credit Cards Work? Plus Our 9 Favorites

Are There Credit Cards With 2% Cash Back on Everything?

There are a few cards that can provide 2% cash back or more on every purchase (see great flat-rate cash back cards here).

The Citi® Double Cash Card – 18 month BT offer (Review) may be the most popular, offering 1% cash back for purchases and 1% back for payments. The PayPal Cashback Mastercard® (Review) is a relative newcomer, with a strong and simple 2% back no matter where you shop.

And then there’s the PenFed Power Cash Rewards Visa Signature® Card (Review), which can give 2% back but only if you’re a PenFed Honors Advantage Member. Otherwise it provides 1.5% back, and you have to be a PenFed member to apply in the first place.

You can also consider the Alliant Cashback Visa® Signature Credit Card — it provides 3% cash back for the first year, and 2.5% back after that. But it has a relatively high annual fee (the other cards above have no annual fees).

Are There Credit Cards With 5% Cash Back?

The Discover it® Cash Back (Review) is a popular starter card, with 5% back in quarterly rotating categories that often include gas, groceries, rideshares, and Amazon (limited to $1,500 in spending per quarter; activation required).

The Chase Freedom Flex℠ (Review) is a longstanding favorite, also providing 5% back in a selection of categories that changes every three months.

Finally, the U.S. Bank Cash+™ Visa Signature® Card (Review) is a powerhouse that doesn’t get enough attention. You can choose two of your own 5% categories each quarter, from rare but handy choices such as TV/internet streaming services, home utilities, cell phone providers, and ground transportation (including Uber and Lyft).

Expert Q&A

Answer by: Omid Kamran Disfani, Assistant Professor, SIU College of Business

As the name suggests, the major benefit of these cards is that consumers can get anywhere from 1 to 5 percent cash back on their purchases depending on the reward program. So, it is a nice way to get a little bit back when you spend, especially when you have to spend the money anyway.

Answer by: Paul Kurnit, Clinical Professor of Marketing, Pace University, Lubin School of Business

What’s the deal?

  1. What are the cash back rates? How do they compare to other card incentive programs?
  2. How much cash back will cardholders be receiving based on their anticipated usage of the card?
  3. What are the options for receiving “cash back?” Over what period of time? How will “cash” be rewarded to customers?

Answer by: Dipra Jha, Assistant Director and Scholarly Associate Professor, School of Hospitality Business Management, Washington State University, Carson College of Business

Cardholders should look for the percentage of cash back offered and if there is an upper limit to how much they can earn in cash back. Also, they should look to see if the cash back is paid as a statement credit or through a gift card, etc.

Answer by: Elaine Luther, D.Sc., Professor, Business Management, Point Park University

They should select cards with offers that match their current purchase patterns, which is why credit cards often have new offers. Some original offers for airline miles have diminished in value over time; mainly because airlines made them harder to redeem, and now fewer people are flying.

Answer by: Mark Scanlan, Professor of Economics, Stephen F. Austin State University

There’s a growing number of cash back cards available today that offer a variety of consumer-friendly features. The key features to investigate when choosing a cash back credit card, other than just selecting the one with the highest cash back rate, include:

1. No annual fee – Most cash back credit cards I recommend don’t charge an annual fee.

2. Low interest rate – I cannot stress enough the importance of paying off cash back credit cards in full every month since the interest rates they carry are often higher than other types of credit cards.

3. Consider company specific cards – It’s always a great idea to check if places you shop already offer a co-branded card. For example, The Amazon Prime Rewards Visa Signature Card (Review) offers 5% cash back on purchases from their website along with a $70 Amazon gift card as a sign up bonus (as of July 2021).

4. Reward limits – Cards with generous cash back rates can have quarterly or yearly limits on the amount of cash back you may be able to earn. For those who put a majority of their purchases on credit cards, having a lower cash back rate with a higher, or no, reward limit may be better than having a card with a higher rate but a lower limit.

5. Introductory offers – Many cash back cards offer amazing introductory offers to those signing up for the first time.. The offers can include a year of low interest rates on purchases or balance transfers, higher cash back for the introductory period, statement credits if you reach certain spending levels, or free gift cards for signing up.

Answer by: Rebecca Davis, Assistant Professor of Economics, Stephen F. Austin State University

Cash back credit cards give a small percentage of each purchase back as a reward, helping individuals earn rewards on spending and gain a smaller uptick in purchasing power. There are some features to consider when choosing a specific cash back credit card. First, find one that has no annual fee. That way individuals are not paying for the cash back benefit and defeating the purpose. Second, some have sign-up bonuses where if an individual spends a certain amount within a given time frame, they earn an additional benefit. Last, some have 0% APR for a given period of time, usually at the first issuance of the card, or for balance transfers from another card.

Answer by: Omid Kamran Disfani

Customers should choose the card that fits their lifestyle. For example, if someone travels a lot, they can get more money back on a travel cash back card. Everyone is different, and every individual has a unique lifestyle, disposable income, and categories of products and services in which they’re willing to spend more. So, to get the most out of their cash back credit cards, customers should look for a fit between their expenses and the reward program. That is why I always suggest that consumers have some kind of an estimate of spending (how much they spend and how often they spend) in each product category. Many financial institutions and credit card issuers provide information on expenditure by category, which customers can use in choosing the right credit card. 

Answer by: Paul Kurnit

The two best ways cardholders will appreciate the benefit are:

  1. Get the cash and save it for a purchase they will appreciate and remember as the reward it is…or,
  2. Apply the cash to reducing bills on the card especially as savings/discounts for purchases.

Answer by: Dipra Jha

Cardholders can make the most out of their cash back cards by combining purchase categories they would frequently use, with the percentage of cash back available. For example, many cards offer cash back on groceries which is something most cardholders would frequently buy and consistently earn cash back on.

Answer by: Elaine Luther

If cardholders are financially responsible, they could open more than one credit card, and use each one strategically for different categories, allowing them to earn the maximum percentage on two or more categories. For example they could use one for gas, and one for groceries.

Answer by: Mark Scanlan

The great thing about taking the time to find the best cash back card for you is that once you have switched your spending to that card, it should require very little additional effort on your part. Don’t fall into the trap of over-spending just to earn more cash back on the card, especially if it means you’re unable to pay off your balance in full each month. Earning 2% cash back while paying 15% interest on outstanding balances is a bad tradeoff.

Answer by: Rebecca Davis

Cash back credit cards come in all varieties. The best option is to choose the right card based on an individual’s typical purchases. If they travel frequently, then a travel card that pays in points or miles, which translate to free flights or hotel stays, might be the best option. There are other cards that have rotating cash back categories like gas stations, grocery stores, or bulk stores like Sam’s Club or Costco, that might be more suited to a general audience than a travel card. Or, if an individual is an avid Amazon shopper, then utilizing the Amazon Prime Rewards Visa Signature Card could earn a relatively high return compared to other cards. Next, once an individual chooses a card that best matches their typical purchases, charge all those purchases and pay it off quickly. If an individual has the money in their account, pay using the cash back credit card to earn rewards and immediately pay it off. This, of course, should be done responsibly. Finally, if the chosen cash back credit card has rotating categories, take advantage of them. If it is gas stations this quarter, then charge all the gas purchases to the card to earn rewards and pay it off.

Answer by: Omid Kamran Disfani

First, any type of fees. Customers should be aware of annual fees and other fees that may apply. I prefer no annual fees, but some cards with annual fees may provide enough cash back to justify the annual or other fees. Second, and this is probably more important, customers should take into account their credit situation. If you have trouble managing the cards you already have, my suggestion is stop applying for new ones! Just because you can get 3% cash back on a new card is not a good enough reason to apply for it. Unfortunately, some consumers who have credit problems tend to apply for new cards all the time and that is not a good strategy.

Answer by: Paul Kurnit

What’s the “fine print?”

  1. Is the deal ongoing? Will the benefit remain the same over time?
  2. Is the cash distribution going to be commensurate with i.e. better than frequent buyer point values on other cards?

Answer by: Dipra Jha

Read the fine print carefully. Do you have to spend X amount of money before the cash back kicks in? Is there an annual fee?

Answer by: Elaine Luther

The most important thing consumers should be aware of is that any percent discount will be worthless if they can’t pay off any credit card balances each month, as the current credit card interest rates are much higher than any savings earned from purchases.

Answer by: Mark Scanlan

Remember that credit card companies aren’t offering cash back cards out of the kindness of their hearts. They’re attempting to make money through annual fees, interest on balances you carry, late payment fees, or hoping you overspend on the card. This means it’s still important to perform your due diligence when evaluating a card by researching all the rules and restrictions. 

Answer by: Rebecca Davis

Most cash back credit cards typically have high APRs. So, if an individual is wanting a credit card for large purchases to pay off over time, then this type of card might not be the best choice. It is best used for regular purchases that individuals plan to pay off quickly. Also, some cards have an earning cap on certain cash back categories, meaning an individual can get up to a certain amount of cash back on purchases for a given type of item. Individuals may even have to “enroll” to activate a new category every quarter with some of the cash back credit cards.

Answer by: Omid Kamran Disfani

I personally prefer a flat rate, because I don’t need to worry about activating categories every quarter and feeling pressured to spend in certain categories. I think rotating cash back categories may influence consumers shopping behavior and they may overspend on categories which offer more cash back. My preference is to always be in the driver’s seat!  Also, I have a card that gives me the flexibility to choose what category I want to receive more cash back in. So, I can set whatever category I want to receive 3% cash back and I can change the category whenever I want. My credit card company also provides a monthly report on my expenses in different categories which is super helpful in setting the category in which I like to receive more cash back. With more competition among credit cards, consumers can expect such additional services from their credit card company which helps them make the right decisions.

Answer by: Paul Kurnit

Keep it simple. Go flat rate at an attractive rate. Let the cardholder know exactly what the deal is, what the cash back distribution is, and how and when the cash is going to be distributed.

Answer by: Dipra Jha

Both are good but rotating cash back category offers allow consumers to switch between categories as their needs or purchasing habits change. Several cards now allow consumers the flexibility to switch back and forth between categories which is great!

Answer by: Elaine Luther

I prefer a flat rate to a rotating one, because it makes it easier to plan purchases. If there are rotating cash back offers, people may be pressured to make unnecessary purchases in categories even if the timing is bad.

Answer by: Mark Scanlan

I prefer the flat rate card since it requires little day-to-day effort to receive your rewards. If you’re the kind of person who makes, and sticks to, a weekly budget and regularly monitors your finances then a rotating cash back card could work for you. These types of cards can offer much higher cash back rates on purchases within the changing categories. Just remember that these categories change quarterly and may require you to activate them each time before they take effect. Also, realize that while the cash back rates may be higher on these cards the rotation of benefits may land on categories you do not purchase often, lowering the benefit of having this type of card. My favorite of the rotating cash back cards is the U.S. Bank Cash+ Visa Signature Card since it offers a 5% cash back rate while allowing you some control over the bonus categories.

Answer by: Rebecca Davis

Flat rate versus rotating cash back depends on the individual. The benefits of a flat rate cash back credit card are that the individual does not have to keep track of which category is earning the most cash back at the time. The benefits of a rotating cash back category credit card are that the individual can maximize rewards on specific purchases. Also, if the individual has multiple cash back credit cards, they can pair different cards to earn more rewards based on the bonus category.

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.

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