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2021

Best Cash Back Credit Cards of March 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.

Our Selection Criteria Is a Cash Back Card Right for You?

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The information related to Capital One Spark Cash for Business, Amazon Business Prime American Express Card, Amazon Business American Express Card, Capital One Spark Classic for Business, American Express Blue Business Cash™ Card, Capital One Spark Cash Select for Business, and U.S. Bank Business Cash Rewards World Elite™ Mastercard® have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Our Selection Criteria

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

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

Is a Cash Back Card Right for You?

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

Our rating:
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  • Min. credit levelExcellent
  • Annual Fee$0
  • Regular APR13.99% – 23.99% (Variable)
Cash Back Rewards
Spending Rewards
  • 2% cash back for every purchase you make (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

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.

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.
  • Purchase APR: 13.99% – 23.99% (Variable)
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable) (for transfers made during the first four months)
Runners Up8

PayPal Cashback Mastercard®

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

Chase Freedom Unlimited®

  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back for all other purchases
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Balance Transfer APR: 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

Capital One Quicksilver Cash Rewards Credit Card

  • 1.5% cash back for all purchases
  • $200 for spending $500 in the first 3 months after account opening
  • Purchase: 0% for 15 months, then 15.49% - 25.49% (Variable)
  • No foreign transaction fee
  • Annual fee: $0
View card details

American Express Cash Magnet® Card

  • 1.5% cash back for all purchases
  • $150 cash back for spending $1,000 in the first 3 months
  • Purchase APR: 0% on purchases for 15 months, then 13.99% - 23.99% Variable (Rates & Fees)
  • Annual fee: $0
View card details

PenFed Power Cash Rewards Visa Signature® Card

  • 1.5% cash back on all purchases made with your card
    • 2% cash back on all purchases for PenFed Honors Advantage Members
  • $100 statement credit after spending $1,500 in the first 90 days
  • Purchase APR: 11.74% to 17.99% Variable
  • Balance Transfer APR: 0% for 12 months, then 11.74% to 17.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

Alliant Cashback Visa® Signature Credit Card

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

HSBC Cash Rewards Mastercard® credit card

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

Wells Fargo Cash Wise Visa® card

  • 1.8% cash rewards on Google Pay or Apple Pay mobile wallet purchases during the first 12 months after account opening
  • 1.5% cash rewards on every other purchase
  • $150 cash back for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 14.49%-24.99% Variable (for transfers requested in the first 120 days)
  • Annual fee: $0
View card details
  • 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.

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.99% - 23.99% Variable

Rates & Fees

Cash Back Rewards
Spending Rewards
  • 3% cash back at:
    • U.S. supermarkets (up to $6,000 spent annually)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $200 cash back for spending $1,000 in the first 3 months

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.

Why We Picked It

The Blue Cash Everyday is a rewarding card for everyday purchases, and if you need a handy card for gas this is a real contender.

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: Discounts or extra points 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
  • Shopping and travel protections: Car Rental Insurance, Global Assist Hotline
  • Purchase APR: 0% on purchases for 15 months, then 13.99% - 23.99% Variable
Runners Up6

Blue Cash Preferred® Card from American Express

  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
  • $300 statement credit for spending $3,000 in the first 6 months
  • Purchase APR: 0% on purchases for 12 months, then 13.99% - 23.99% Variable (Rates & Fees)
  • Annual fee: $0 introductory annual fee for the first year, then $95
View card details

Discover it® Cash Back

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

Chase Freedom Flex℠

  • 5% cash back on:
    • Lyft rides (through March 2022)
    • Travel purchase through Chase Ultimate Rewards
  • 5% cash back in rotating reward categories (usually including gas), up to $1,500 spent per quarter (then 1%)
  • 1% cash back on all other purchases
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Balance Transfer APR: 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

Costco Anywhere Visa® Card by Citi

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

Sam’s Club® Mastercard®

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

Discover it® chrome

  • 2% cash back, up to $1,000 spent per quarter (then 1%), at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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.

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  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $95
  • Regular APR13.99% - 23.99% Variable

Rates & Fees

Cash Back Rewards
Spending Rewards
  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $300 statement credit for spending $3,000 in the first 6 months

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 significant discounts at a changing selection of merchants and websites, like TurboTax, SamsClub.com, Etsy, and many more.
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • Shopping and travel protections: Return Protection, Car Rental Loss and Damage Protection
  • Purchase APR: 0% on purchases for 12 months, then 13.99% - 23.99% Variable
Runners Up4

Blue Cash Everyday® Card from American Express

  • 3% cash back at U.S. supermarkets, up to $6,000 spent per year (then 1%)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on all other purchases
  • $200 cash back for spending $1,000 in the first 3 months
  • Purchase APR: 0% on purchases for 15 months, then 13.99% - 23.99% Variable (for transfers made during the first 60 days) (Rates & Fees)
  • Annual fee: $0
View card details

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%).
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details

Discover it® Cash Back

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

Chase Freedom Flex℠

  • 5% cash back on:
    • Lyft rides (through March 2022)
    • Travel purchased through Chase Ultimate Rewards
  • 5% cash back in rotating reward categories (usually including groceries and gas), up to $1,500 spent per quarter (then 1%)
  • 1% cash back on all other purchases
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Balance Transfer APR: 14.99% - 23.74% Variable
  • Annual fee: $0
View card details
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one 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.
  • 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.

American Express is a Credit Card Insider advertiser.

Dining at Restaurants

Capital One Savor Cash Rewards Credit Card

Our rating:
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  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 24.99% Variable
Cash Back Rewards

Spending Rewards
  • 8% cash back on tickets at Vivid Seats
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% 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.
  • World Elite Mastercard benefits: Including Price Protection, Extended Warranty, MasterRental Insurance, Trip Cancellation/Interruption Insurance, and more
  • Purchase and Balance Transfer APR: 15.99% - 24.99% Variable
  • No foreign transaction fee
Runners Up5

Capital One SavorOne Cash Rewards Credit Card

Spending Rewards
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $500 in the first 3 months
  • Purchase APR: 0% for for 15 months, then 15.49% - 25.49% (Variable)
  • Annual fee: $0
View card details

U.S. Bank Cash+™ Visa Signature® Card

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

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%).
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details

Costco Anywhere Visa® Card by Citi

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

Sam’s Club® Mastercard®

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

Discover it® Cash Back

Our rating:
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APRSee Terms
Cash Back Rewards
Spending Rewards
  • 5% cash back in categories that rotate every three months (see calendar on next tab), up to $1,500 spent per quarter (then 1%; activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year

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.

Why We Picked It

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.

Here are the 5% categories for 2021, along with last year’s for comparison.

Quarter 2020 Categories 2021 Categories
January – March
  • Grocery Stores
  • Walgreens
  • CVS
  • Grocery Stores
  • Walgreens
  • CVS
April – June
  • Gas Stations
  • Uber
  • Lyft
  • Wholesale Clubs
  • Gas Stations
  • Wholesale Clubs
  • Select Streaming Services
July – September
  • Restaurants
  • PayPal
  • Restaurants
  • PayPal
October – December
  • Amazon.com
  • Target.com
  • Walmart.com
  • 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.
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms (for transfers requested in the first 90 days)
  • No foreign transaction fee
Runners Up4

Chase Freedom Flex℠

  • 5% cash back on:
    • Lyft rides (through March 2022)
    • Travel purchased through Chase Ultimate Rewards
  • 5% cash back in rotating reward categories, up to $1,500 spent per quarter (then 1%)
  • 1% cash back on all other purchases
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Balance Transfer APR: 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

U.S. Bank Cash+™ Visa Signature® Card

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

ABOC Platinum Rewards Mastercard® Credit Card

  • 5X points per dollar in rotating categories, up to $1,500 spent per quarter
  • 1X point per dollar on all other purchases
  • $150 statement credit after you spend $1,200 on purchases within the first 90 days
  • Purchase APR: 0% for 12 months after that the variable APR will be 12.90% - 22.90% , based on your creditworthiness
  • Balance Transfer APR: 12.90% - 22.90% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

Amalgamated Bank of Chicago Union Strong Card

  • 5X points per dollar in rotating categories, up to $1,500 spent per quarter
  • 1X point per dollar on all other purchases
  • $150 statement credit after you spend $1,200 on purchases within the first 90 days
  • Purchase APR: 0% for 12 months, then 9.25% Variable
  • Balance Transfer APR: 0% for 18 months, then 9.25% Variable
  • No foreign transaction fee
  • 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*
  • Regular APR13.99% - 23.99%* Variable

Rates & Fees

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

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

Why We Picked It

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

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
  • Purchase APR: 13.99% - 23.99%* Variable
  • Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • No foreign transaction fee
Runners Up2

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back for every other purchase
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%)
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details

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

  • 3% cash back in your choice of one category each month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back on Dining
  • 1% cash back for every other purchase
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Spending limit: 3% and 2% categories are limited to the first $50,000 in combined spending per year (then 1%)
  • Purchase APR: 0% for 9 billing cycles, then 13.74% - 23.74% Variable APR
  • Annual fee: $0.00
View card details
  • Earn up to $550 cash back in the first year.
  • $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 13.99% – 23.99%
  • No annual fee*
  • Great Offer from U.S. Bank, a 2020 World’s Most Ethical Company® – Ethisphere Institute, February 2020
  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR14.24% to 22.24% Variable
Cash Back Rewards
Spending Rewards
  • 5% cash back (up to $120,000 spent per year) at:
    • Amazon
    • Whole Foods
  • 2% cash back at:
    • Gas stations
    • Restaurants
    • Drugstores
  • 1% cash back for every other purchase
Introductory Bonus Offer
  • $70 Amazon.com Gift Card instantly upon approval

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.

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, 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
  • Purchase and Balance Transfer APR: 14.24% to 22.24% Variable
  • No foreign transaction fee
Runners Up6

Amazon Rewards Visa Signature Card

  • 3% cash back (up to $120,000 spent per year) at:
    • Amazon
    • Whole Foods
  • 2% cash back at:
    • Restaurants
    • Gas stations
    • Drugstores
  • 1% cash back on all other purchases
  • $50 Amazon.com gift card instantly upon account approval
  • Purchase and Balance Transfer APR: 15.74%–23.74% Variable
  • Annual fee: $0 (Amazon Prime membership not required)
View card details

Amazon.com Store Card

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

Discover it® Cash Back

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

Bank of America® Cash Rewards Credit Card

  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Spending limit: 3% and 2% categories are limited to the first $2,500 in combined spending per quarter (then 1%)
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable (for transfers made during the first 60 days)
  • Annual fee: $0
View card details

Amazon Business Prime American Express Card

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

Amazon Business American Express Card

  • 3% cash back at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases
  • $100 Amazon.com gift card upon account approval
  • Purchase APR: 15.24%–23.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
  • Requires active Prime membership
  • Cash back can be redeemed for statement credits or at Amazon.com checkout
  • Earn 5% back at Amazon.com and Whole Foods Market
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APRSee Terms
Cash Back Rewards
Spending Rewards
  • 5% cash back in categories that rotate every three months, up to $1,500 spent per quarter, then 1% (activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Double all cash back rewards earned in the first year

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).

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
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
Runners Up5

Bank of America Cash Rewards™ Credit Card for Students

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

Discover it® Student chrome

  • 2% cash back, up to $1,000 spent per quarter (then 1%), at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Cashback Match: Double all cash back rewards earned in the first year
  • Purchase APR: See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

Journey Student Rewards from Capital One

  • 1% cash back on every purchase
    • 1.25% cash back when you pay on time
  • $60 streaming credit: $5 per month for 12 months on select streaming services, when you pay on time
  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • Purchase and Balance Transfer APR: 26.99% (Variable)
  • No foreign transaction fee
  • Annual fee: $0
View card details

Deserve Edu Mastercard

  • 1% cash back on all purchases
  • 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
  • Purchase APR: 18.74% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

Wells Fargo Cash Back College Card

  • 3% cash back for the first 6 months, up to $2,500 spent, on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Purchase APR: 0% for 6 months, then 12.15%–22.15% Variable
  • Balance Transfer APR: 0% for 6 months, for transfers made within 120 days, then 12.15%–22.15% Variable
  • Annual fee: $0
View card details
Apply Now

securely on the issuer's website

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  • Min. credit levelBad
  • Annual Fee$0
  • Regular APR23.99% Variable
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® 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.
  • Security deposit: $300–$4,900
Runner Up1

Discover it® Secured

  • 2% cash back on the first $1,000 spent per quarter (then 1%) at:
    • Restaurants
    • Gas stations
  • 1% cash back on all other purchases
  • Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year
  • Free FICO credit score: Keep tabs on your FICO Score 8, based on your TransUnion report, and get tips to improve your credit scores.
  • Social Security number alerts: Get notified if your SSN is found on any of thousands of risky dark web sites.
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0
  • Security deposit: $200–$2,500
View card details
  • 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
  • Min. credit levelFair
  • Annual Fee$39
  • Regular APR26.99% (Variable)
Cash Back Rewards
Spending Rewards
  • 1.5% cash back on all purchases

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.

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: You may be automatically considered for a higher credit line after six months.
  • CreditWise: Use the CreditWise tool to monitor your TransUnion credit report, and your VantageScore 3.0 based on that report.
  • Purchase and Balance Transfer APR: 26.99% (Variable)
  • No foreign transaction fee
Runners Up3

Petal® 2 Cash Back, No Fees Visa® Card

  • 1% cash back for every purchase initially
    • 1.25% cash back on purchases after 6 on-time payments
    • 1.5% cash back on 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 your VantageScore 3.0 credit score from your Experian credit report, whenever you’d like.
  • Purchase APR: 12.99 - 26.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

Journey Student Rewards from Capital One

  • 1% cash back for every purchase
    • 1.25% cash back if you pay on time
  • $60 streaming credit: $5 per month for 12 months on select streaming services, when you pay on time
  • Access a higher credit line: You may be automatically considered for a higher credit line after six months
  • Purchase and Balance Transfer APR: 26.99% (Variable)
  • No foreign transaction fee
  • Annual fee: $0
View card details

Capital One Spark Classic for Business

  • 1% cash back on all purchases
  • Purchase and Balance Transfer APR: 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • 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
Limited or No Credit

Petal® 2 Cash Back, No Fees Visa® Card

Our rating:
Apply Now

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Apply Now

securely on the issuer's website

  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APR12.99 - 26.99% Variable
Rewards

The Petal® 2 Cash Back, No Fees Visa® Card 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 purchases initially
  • 1.25% cash back on purchases after 6 on-time payments
  • 1.5% cash back on 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.
  • Purchase APR: 12.99 - 26.99% Variable
  • Credit limit: $500–$10,000
  • No foreign transaction fee
  • Annual fee: $0
Runner Up2

Petal® 1 No Annual Fee Visa® Card

  • Petal’s cash flow technology: Looks at bank account records to help you qualify
  • Petal Offers: Get 2% – 10% 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.
  • Purchase APR: 19.99%–29.49% Variable
  • Credit limit: $500–$10,000
  • No foreign transaction fee
  • Annual fee: $0
  • Issued by WebBank, Member FDIC
View card details

Jasper Mastercard®

Spending Rewards
  • Up to 6% cash back on every eligible purchase (terms apply):
    • 1% cash back to begin
    • 0.5% extra cash back for 12 months per approved referral
  • No credit history required for relocating professionals
  • No SSN required to apply for relocating professionals (an SSN must be provided to Jasper within 60 days after card activation)
  • Shopping and travel protections: Extended Warranty, Price Protection, Satisfaction Guarantee, Purchase Assurance, Cellular Wireless Telephone Protection, MasterRental Collision Damage Waiver, and more
  • Purchase APR: 15.49%–24.99% Variable
  • Credit limit: Up to $5,000
  • No foreign transaction fee
  • Annual fee: $0
View card details
  • For a limited time only: Get $50 for a Petal 2 card approval. Full terms apply.
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back from 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
Business Flat-Rate Cash Back

Capital One Spark Cash for Business

Our rating:
  • Min. credit levelExcellent
  • Annual Fee$0 intro for first year; $95 after that
  • Regular APR20.99% (Variable)
Cash Back Rewards
Spending Rewards
  • 2% cash back for all purchases
Introductory Bonus Offer
  • $500 cash bonus for spending $4,500 in the first 3 months

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

Why We Picked It

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

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

Key Features
  • Shopping protections: Purchase Security, Extended Warranty Protection, Price Protection, Cell Phone Protection
  • Travel protections: MasterRental Insurance Coverage, Roadside Dispatch, Lost Luggage Reimbursement, Travel Accident Insurance
  • Purchase and Balance Transfer APR: 20.99% (Variable)
  • No foreign transaction fee
Runners Up5

American Express Blue Business Cash™ Card

  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
  • Purchase APR: 0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable (Rates & Fees)
  • Annual fee: No annual fee
View card details

Capital One Spark Cash Select for Business

  • 1.5% cash back for all purchases
  • $200 cash bonus for spending $3,000 in the first 3 months after account opening
  • Purchase APR:0% on purchases for for 9 months, then 13.99% - 23.99% (Variable)
  • Balance Transfer APR: 13.99% - 23.99% (Variable)
  • No foreign transaction fee
  • Annual fee: $0
View card details

Ink Business Unlimited® Credit Card

  • 1.5% cash back for all purchases
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
  • Purchase APR:0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
  • Balance Transfer APR: 13.24% - 19.24% Variable
  • Annual fee: $0
View card details

Discover it® Business Card

  • 1.5% cash back for all purchases
  • Cashback Match: Get double the cash back in your first year (awarded after your first year)
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

Capital One Spark Classic for Business

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

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

Business Bonus Categories

Ink Business Cash® Credit Card

Our rating:
  • Min. credit levelExcellent
  • Annual Fee$0
  • Regular APR13.24% - 19.24% Variable
Cash Back Rewards
Spending Rewards
  • 5% cash back on Lyft rides
  • 5% cash back on up to $25,000 spent per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $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.

Why We Picked It

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 below) and split up your spending.

Key Features
  • Chase Offers and Shop through Chase: Earn extra cash back with Shop through Chase or find discounts with Chase Offers.
  • Free employee cards
  • Shopping and travel protections: Including Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
  • Purchase APR: 0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
  • Balance Transfer APR: 13.24% - 19.24% Variable
Runners Up5

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

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

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

  • 3% cash back on:
    • Gas
    • Office supply stores
    • Cellular service providers
  • 1% cash back on all other purchases
  • $500 cash back for spending $4,500 in the first 150 days
  • Purchase APR: 0%* for 15 billing cycles, then 11.99%-22.99%* Variable
  • Balance Transfer APR: 11.99%-22.99%* Variable
  • Annual fee: $0*
View card details

Amazon Business Prime American Express Card

  • 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
  • $125 Amazon.com gift card upon account approval
  • Purchase APR: 15.24%–23.24% Variable
  • Balance Transfer APR: None
  • No foreign transaction fee
  • Annual fee: $0
View card details

Amazon Business American Express Card

  • 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
  • $100 Amazon.com gift card upon account approval
  • Purchase APR: 15.24%–23.24% Variable
  • Balance Transfer APR: None
  • No foreign transaction fee
  • Annual fee: $0
View card details

Costco Anywhere Visa® Business Card by Citi

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

Jasper Mastercard®

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  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APR15.49%–24.99% Variable

Rates & Fees

Rewards

Moving to the U.S.? The Jasper 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.

Spending Rewards
  • Up to 6% cash back on every eligible purchase (terms apply):
    • 1% cash back to begin
    • 0.5% extra cash back for 12 months per approved referral
Key Features
  • No credit history required for relocating professionals
  • No SSN required to apply for relocating professionals (an SSN must be provided to Jasper within 60 days after card activation)
  • Shopping and travel protections: Extended Warranty, Price Protection, Satisfaction Guarantee, Purchase Assurance, Cellular Wireless Telephone Protection, MasterRental Collision Damage Waiver, and more
  • Purchase APR: 15.49%–24.99% Variable
  • Credit limit: Up to $5,000
  • No foreign transaction fee
  • Annual fee: $0
Runners Up3

Petal® 2 Cash Back, No Fees Visa® Card

  • 1% cash back on purchases initially
    • 1.25% cash back on purchases after 6 on-time payments
    • 1.5% cash back on purchases after 12 on-time payments
  • Petal Offers: Get up to 10% back with 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.
  • Purchase APR: 12.99 - 26.99% Variable
  • Credit limit: $500–$10,000
  • No foreign transaction fee
  • Annual fee: $0
View card details

Petal® 1 No Annual Fee Visa® Card

  • Petal’s cash flow technology: Looks at bank account records to help you qualify
  • Petal Offers: Get up to 10% back with 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.
  • Purchase APR: 19.99%–29.49% Variable
  • Credit limit: $500–$10,000
  • No foreign transaction fee
  • Annual fee: $0
  • Issued by WebBank, Member FDIC
View card details

Discover it® Secured

  • FICO Credit Scorecard: Keep tabs on your FICO Score 8, based on your TransUnion report, and get tips to improve your credit scores.
  • Social Security number alerts: Notifications if your SSN is found on any thousands of risky websites
  • New account and inquiry alerts: Get alerts if any new accounts or credit inquiries show up on your Experian credit report.
  • Purchase APR: See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details
  • Get up to 6% cash back by referring friends!
  • Start with 1% and get extra 0.5% for a full year for every friend you bring on board
  • Up to $5,000 credit limit
  • 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. If your account is past due, cash back will be locked.
  • Your cash back maximum varies based on your credit limit.
  • Cash back not limited to certain categories, earn on almost all everyday purchases
  • See Jasper’s terms and fees
  • Issued by WebBank, Member FDIC

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.

The ABOC offers two hidden gems that each provide 5X points (equal to 5% back) for an interesting variety of purchases that include bills, travel, and superstores. Those cards are the ABOC Platinum Rewards Mastercard® Credit Card and Amalgamated Bank of Chicago Union Strong Card.

Finally, the U.S. Bank Cash+™ Visa Signature® Card 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

Q1) What should cardholders look for in cash back credit cards?

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.

Q2) How can cash back cardholders make the most out of their cards?

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.

Q3) What should people be aware of when looking at cash back credit cards?

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.

Q4) Do you prefer flat rate cash back or rotating cash back category offers?

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.

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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