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NerdWallet’s Best Cash Back Credit Cards, 2015

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Best Cash Back Credit Cards

Looking for a cash back credit card with no annual fee and stellar rewards? Some of the best cards out there pay out in dead presidents. Whether you’re a family man with a family van, a young adult looking for ease and simplicity in a world that offers little of either, a jetsetter or — well — anyone, it doesn’t get much better than a cash-back credit card. We’ll break down the best options for you and explain why we love them.

Best 5% rotating bonus rewards card: Chase Freedom® 

Chase Freedom Credit Card

Chase Freedom®

Apply Now on Chase's secure website


  • Bonus 5% cash back categories
  • No annual fee
  • 0% intro APR on purchases and balance transfers
  • Qualify with Good credit


  • If you value simplicty, a flat rate cash back card may be better

Sign-up Bonus

Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee


Intro APR Promotions

0% for 15 Months on purchases and 0% Intro APR for 15 months on balance transfers


  • APR: 13.99%-22.99% (Variable)
  • Cash Advance APR: 24.99%, Variable

Card Details

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

The standout Chase Freedom® is a favorite among NerdWallet readers, writers and editors alike. It earns 5% cash back on everyday spending in rotating, quarterly categories, like gas,, restaurants and groceries, up to $1,500 spent per quarter. Plus, you’ll get 1% cash back on all other purchases. Here’s the bonus category list for 2015:

  • Q1 (January 1 – March 31): Grocery stores, movie theaters and Starbucks stores
  • Q2 (April 1 – June 30): Restaurants
  • Q3 (July 1 – September 30): Gas stations
  • Q4 (October 1 – December 31):

Plus, you’ll get a sign-up bonus to sweeten the deal: Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening. We love the Chase Freedom® for its high rewards on key spending categories, but it also comes with a great 0% APR deal: 0% for 15 Months on purchases and 0% Intro APR for 15 months on balance transfers, and then the ongoing APR of 13.99%-22.99% (Variable).  No matter what you’re looking for in a card, the Chase Freedom® delivers.

Our favorite for gas and groceries: Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred Credit Card
Apply Now

on American Express's
secure website

The Blue Cash Preferred® Card from American Express offers one of the highest rewards rates out there on groceries and gas: 6% cash back on grocery stores, up to the first $6,000 spent annually,  3% back on gas and select department store spending, and 1% cash back on all other purchases. And here’s a neat tip: You can purchase gift cards for Starbucks, Amazon, etc. at the grocery store, essentially earning 6% rewards on every place that sells gift cards.

Finally, you receive a signup bonus: Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit. There is a $75 annual fee. The $0 annual fee Blue Cash Everyday® Card from American Express  has a lower rewards rate of 3% on groceries and 2% on gas and department stores, and has a lower signup bonus: Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.

Looking only at grocery rewards, if you spend $50 a week or more in that category (a bar the average American easily clears), you’re better off with the Blue Cash Preferred® Card from American Express. That’s before you account for the higher signup bonus and better gas and department store rewards. This is one of our favorite cards for families. A word of warning, though: Not all merchants accept American Express, so you might want to carry a no-fee Visa or MasterCard as a backup.

Best flat-rate rewards card: Citi®Double Cash Card

Citibank Citi® Double Cash Card Credit Card
Apply Now

on Citibank's
secure website

The best thing about the Citi®Double Cash Card is that it combines simplicity with value. You’ll earn 1% cash back when you make your purchases, then an additional 1% cash back when you pay them off.  And it takes the “no fuss” concept even further: The annual fee of $0, and there’s no need to worry about earning caps, redemption gimmicks or changing bonus categories. In addition to great cash back, this card offers 0% for 15 months on purchases and balance transfers, and then the ongoing APR of 12.99% - 22.99% Variable — The Citi®Double Cash Card keeps it classy!

Best card for debt payoff and earning rewards on purchases: the Discover it®-New! Double Cash Back your first year

Discover It Credit Card
Apply Now

on Discover's
secure website

The Discover it®-New! Double Cash Back your first year offers a killer package of 5% cash back in bonus categories and an annual fee of $0, plus perks that are typically only found on high-fee cards. You’ll earn 5% cash back in categories that change every quarter, up to $1,500 spent, plus an unlimited 1% elsewhere. You also receive purchase and return protection at no cost, plus a break on interest for a period of time: 0% on purchases for 12 months and 0% on balance transfers for 12 months, and then the ongoing APR of 10.99% - 22.99% Variable.

And when it comes to fees, the $0 annual fee is just the beginning. There are no foreign transaction fees — key if you go abroad — and your first late payment fee is waived. So get excited: 5% is the new black.

  • Jesse Barnes

    You can apply for a separate SallieMae account with Barclays and that will double your caps on the 5%, but you will have to switch to the 2nd card after you max out the cap on the 1st card in a month. If you want to get really down to it and get all the $$$ back you can!

  • Jesse Barnes

    I agree… BCP as well as most cards with an annual fee (unless you have massive spending and earns) are just a sham to make you think you are getting something back, but in essence you are paying for what you get back but in fees. And good luck really getting anything “back” if you are carrying a balance… that would just be LOL funny if you think you are getting anything back!

  • erehwon53

    I use the Barclay arrival+ card. it gives 2 points for every dollar you spend. those points turn into dollars so for every 10K you get $100. then you get 10% back when you spend the points. I mainly use the points for airfare but they can go toward hotel rooms, local travel taxis or in NYC MTA cards even car rentals. I got back $2k my first year. Much better than waiting to get 60K points on travel rewards programs and then not being able to use them. I can buy a ticket from any airline and get a refund with my points.

  • steeplechaser33

    Citizens bank cash back plus. 0 annual fee. 0% foreign xaction fee. 1.8% cash back on all purchases.

  • Rob Rex

    JCB Marukai, 3% across the board. But you have to live in California and it uses Discover’s network – so it’s usefulness may not be the greatest.

  • Brian

    Except for the fact that you have to apply in-person at a branch, and the bank is not located throughout the country. I would have to buy plane tickets in order to apply for the card, as would many.

  • Nate

    You might want to try out the rewards calculator at Credit Card Tun Up. com. It looks for the best combinations of cards for your entered spending pattern. So you could see what cards it pairs with the Blue Cash Preferred card for your particular situation.

  • fredfnord

    Have someone else in the family get a BCP as well?

  • strykker31

    Cool Site… Thanks for sharing :)

  • fredfnord

    NASA Federal Credit Union’s Platinum Cash Rewards card. (Yes, anyone can join.)

    1% cash back for the first $1000 in a year.
    1.25% cash back for the next $1000
    2% cash back for the rest, for the whole year

    (Some people on here will say ‘no, that’s per month’. They are wrong. I have had this card for three years. I have checked. It always gives me $22.50 for the first $2000 I spend, and 2% flat after that. Plus it occasionally has bonus offers, maybe once a year.)

    Not only do they allow moderate credit, but if you have poor credit there is a secured version that has the exact same benefits. And it’s run by a credit union, does not require an arbitration agreement, and has excellent service. I have found absolutely nothing negative to say about this. It’s my go-to card for any spending that isn’t in a specific category that I get bonuses on.

  • shadowx360

    It’s been up on their site for over a year that you need Excellent Credit, which they define as 3 years of a credit card and over 5k limit.

  • Thee Gooch

    Chase Freedom doesn’t have an annual fee. So what do you mean “charge out the butt”? If you don’t spend a lot, then annual fees don’t make sense. No fee cards like the Freedom or Blue Cash every day are nice. What you want to do is match rewards offerings with how you spend money, and decide which card is the best match. What you don’t want to do is change how you spend to earn rewards. you also don’t want to carry a balance and pay interest.

  • Scott S

    Annendum: The new Citi Double Cash (2% everywhere) is a MasterCard and in that way is superior to the Fidelity Amex (MC is accepted more widely), but one might still prefer the Fidelity Card to get a sign-up bonus. As a Fidelity Amex holder already, I will wait for a sign-up bonus to get the Citi X2$, and continue to use either Cash+ Visa or cash back debit card for non-5% categories when AmEx is not accepted.

  • Firstname Lastname

    The poor online support of the Fidelity AMEX card negates the 2% cash back.

  • Gregory Schwedock

    MC vs. Amex superiority depends what you’re looking for. Amex has superior resolution dispute and insurance etc.

  • Scott S

    Ah but the Fidelity Investment Rewards AmEx is fulfilled by FIA card services. It’s one of the few AmEx cards not serviced and financed by themselves. Cardholders don’t deal with AmEx, they deal with the FIA customer service (and website, yuck), and I think that’s for resolution dispute as well.

    Regarding other benefits like car/travel insurance and warranty extension, I’ve done my best to understand what’s going on. For instance, my cardholder benefits literature indicated that the extended warranty was actually through the AmEx program (which is great, it’s the best among the big 4), while other cardholders before me (summer 2014) said it was through FIA.

  • Komrad

    Explain further, please. What were you trying to do online that you could not do?