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BEST CREDIT CARDSBEST CREDIT CARDSBEST CASH BACK CREDIT CARDS OF FEBRUARY 2025
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17 Best Cash Back Credit Cards of February 2025

Updated: Feb 10, 2025
Jae Bratton
Written by
Lead Writer & Content Strategist
Caitlin Mims
Reviewed by
Editor & Content Strategist
Paul Soucy
Edited by
Fact Checked
Director of Content
Fact Checked
Jae Bratton
Written by
Lead Writer & Content Strategist
Caitlin Mims
Reviewed by
Editor & Content Strategist
Paul Soucy
Edited by
Fact Checked
Director of Content
Fact Checked
+ 2 more
+ 2 more
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

The best cash back credit card is one you will use regularly. Some cards pay a single rate on every purchase, with no work required on your part. Others pay higher rewards in specific categories (up to 6% in some cases) and a lower rate elsewhere. Choose one card for everything, or carry several to maximize your cash back.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

NerdWallet's Best Cash Back Credit Cards of February 2025

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Best Cash Back Credit Cards

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Wells Fargo Active Cash® Card ImageWells Fargo Active Cash® Card
Best for Flat-rate cash back

$0

2%

Cashback
$200
Chase Freedom Unlimited® ImageChase Freedom Unlimited®
Apply Now
on Chase's website
on Chase's website
Best for All-around cash back

$0

1.5%-5%

Cashback
Up to $300
Apply Now
on Chase's website
on Chase's website
Discover it® Cash Back ImageDiscover it® Cash Back
Best for Quarterly categories + matching bonus

$0

1%-5%

Cashback
Cashback Match™
Citi Double Cash® Card ImageCiti Double Cash® Card
Best for Simplicity + high rate

$0

1%-5%

Cashback
$200
Capital One Savor Cash Rewards Credit Card ImageCapital One Savor Cash Rewards Credit Card
Best for Going out & staying in

$0

1%-8%

Cashback
$200
U.S. Bank Shopper Cash Rewards® Visa Signature® Card ImageU.S. Bank Shopper Cash Rewards® Visa Signature® Card
Best for Big box shoppers

$0 intro for the first year, then $95

1.5%-6%

Cashback
$250
Chase Freedom Flex® ImageChase Freedom Flex®
Apply Now
on Chase's website
on Chase's website
Best for Quarterly categories + cash bonus

$0

1%-5%

Cashback
$200
Apply Now
on Chase's website
on Chase's website
Blue Cash Everyday® Card from American Express ImageBlue Cash Everyday® Card from American Express
Best for Popular 3% categories

$0

1%-3%

Cashback
$200
Blue Cash Preferred® Card from American Express ImageBlue Cash Preferred® Card from American Express
Best for Families & households

$0 intro annual fee for the first year, then $95.

1%-6%

Cashback
$250
Bank of America® Unlimited Cash Rewards credit card ImageBank of America® Unlimited Cash Rewards credit card
Apply Now
on Bank of America's website
on Bank of America's website
Best for Simplicity + relationship rewards

$0

1.5%

Cashback
$200
Apply Now
on Bank of America's website
on Bank of America's website
Bank of America® Customized Cash Rewards credit card ImageBank of America® Customized Cash Rewards credit card
Apply Now
on Bank of America's website
on Bank of America's website
Best for Adjustable 3% categories

$0

1%-3%

Cashback
$200
Apply Now
on Bank of America's website
on Bank of America's website
Synchrony Premier World Mastercard® ImageSynchrony Premier World Mastercard®
Apply Now
on Synchrony Bank's website
on Synchrony Bank's website
Best for High rate + hassle-free redemption

$0

2%

Cashback
None
Apply Now
on Synchrony Bank's website
on Synchrony Bank's website
Capital One Quicksilver Cash Rewards Credit Card ImageCapital One Quicksilver Cash Rewards Credit Card
Best for Simplicity + 0% APR offer

$0

1.5%-5%

Cashback
$200
Prime Visa ImagePrime Visa
Apply Now
on Amazon.com's website
on Amazon.com's website
Best for Amazon Prime shoppers

$0

1%-5%

Cashback
$100
Apply Now
on Amazon.com's website
on Amazon.com's website
Citi Custom Cash® Card ImageCiti Custom Cash® Card
Best for Automatic 5% rewards

$0

1%-5%

Cashback
$200
Apple Card ImageApple Card
Best for Apple Pay users

No Fees*

1%-3%

Cashback
N/A
PayPal Cashback Mastercard® ImagePayPal Cashback Mastercard®
Best for Regular PayPal users

$0

1.5%-3%

Cashback
N/A
save money

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Our pick for: Flat-rate cash back

Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on Purchases for 12 months from account opening
Balance transfer intro APR
0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on Purchases for 12 months from account opening
Balance transfer intro APR
0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers
Regular APR
19.24%, 24.24%, or 29.24% Variable APR

2%
Unlimited Cash rewards on purchases.

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • View Rates & Fees

The $0-annual-fee Wells Fargo Active Cash® Card offers an excellent 2% rewards rate on everything you buy, as well as a bundle of other goodies not often found on cards like it.

Pros
  • You'll earn 2% cash rewards on all purchases, among the best rates on the market for products in its class. But the card also features a generous sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. On top of that, it also offers a 0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.

Cons
  • You can find higher cash-back rates in specific, popular spending categories, if you're OK with keeping track of tiered or rotating reward structures. And like many cash-back cards, this one's not ideal for traveling abroad, thanks to its foreign transaction fee.

Read full review

Our pick for: Simplicity + high rate

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score
630-850(Fair - Excellent)
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Regular APR
18.24%-28.24% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score
630-850(Fair - Excellent)
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Regular APR
18.24%-28.24% Variable APR

2%
Cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • View Rates & Fees

The stalwart Citi Double Cash® Card gets high marks for pure value and simplicity: 2% cash back on every purchase — 1% when you make it and 1% when you pay it off.

Shop as you normally would and get a fantastic rewards rate on EVERYTHING.

Pros
  • There are no bonus categories to track or spending limits to be mindful of. The combined 2% rate on all purchases is probably the best you're going to do on a card with a $0 annual fee.

Cons
  • The value in this card is all in the rewards rate, so there's no 0% period for purchases. Higher cash back percentages can be had on different cards for specific categories.

Read full review

Our pick for: All-around cash back

Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
Up to $300
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
19.49%-28.24% Variable APR
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
Up to $300
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
19.49%-28.24% Variable APR

5%
Cash back on travel purchased through Chase Travel℠.
3%
Cash back on drugstore purchases.
3%
Cash back on dining at restaurants, including takeout and eligible delivery services.
1.5%
Cash back on all other purchases.

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

The Chase Freedom Unlimited® is the rare cash back card that doesn't just have bonus categories (travel booked through Chase, restaurants and drugstores) but also pays more than 1% on purchases outside those categories. New cardholders get a great bonus opportunity, too.

Pros
  • This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. There's a strong intro APR offer, and new cardholders who apply through NerdWallet get this bonus offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Cons
  • While you can earn big rewards on travel bookings with this card, it also charges a 3% foreign transaction fee, so it's not a good companion abroad.

Read full review

Our pick for: Families & households

Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
Cashback
Intro offer
$250
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 12 months from the date of account opening
Balance transfer intro APR
0% intro APR on on balance transfers for 12 months from the date of account opening
APR
18.24%-29.24% Variable APR
Annual fee
$0 intro annual fee for the first year, then $95.
Rewards rate
1%-6%
Cashback
Intro offer
$250
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 12 months from the date of account opening
Balance transfer intro APR
0% intro APR on on balance transfers for 12 months from the date of account opening
APR
18.24%-29.24% Variable APR

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.

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
  • 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.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • View Rates & Fees

The annual fee is high for a cash-back card, but the stellar rewards rates on the Blue Cash Preferred® Card from American Express will more than make up for it for families that spend a lot on groceries, gas, transit and streaming.

Pros
  • This card’s 6% cash back rate at U.S. supermarkets (on up to $6,000 a year in spending, then 1%) and its 3% rate at U.S. gas stations have long made it a NerdWallet favorite. On top of that, you now get 6% cash back on select U.S. streaming subscriptions and 3% on transit, including such things as taxis, rideshares, parking, tolls, trains and buses. All other purchases earn 1% back. The welcome bonus offer also adds to the appeal.

Cons
  • The annual fee will be a sticking point for some, but the rewards will offset the fee if you spend just $31 a week at the supermarket. If you don't have significant grocery expenses, however, this simply isn't the card for you. Instead, consider the Blue Cash Everyday® Card from American Express, which has a $0 fee but lower rewards rates.

Read full review

Our pick for: Quarterly categories + matching bonus

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
18.24%-27.24% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
18.24%-27.24% Variable APR

5%
Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Cash back on all other purchases.

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
  • View Rates & Fees

You get 5% cash back on up to $1,500 in spending per quarter in categories that you activate — and unlike with some cards, the 5% categories include places where a lot of people spend a lot of money. With Discover's unique bonus and a $0 annual fee, the Discover it® Cash Back does well as either an everyday card or a backup.

Pros
  • The 5% categories regularly include big line items in many household budgets: grocery stores, restaurants, gas stations and more. You earn 1% on all other spending (that is, spending outside the bonus categories and category spending above the $1,500 quarterly limit when you activate). This card also puts you in charge of your new cardmember bonus. The more you use the card, the bigger your bonus.

Cons
  • Activating the bonus categories each quarter can be a hassle. If you forget, you don't get 5%. The categories might not be a good fit for everyone. You also have to wait a year for your bonus.

Read full review

Our pick for: Popular 3% categories

Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months from the date of account opening
Balance transfer intro APR
0% intro APR on on balance transfers for 15 months from the date of account opening
APR
18.24%-29.24% Variable APR
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months from the date of account opening
Balance transfer intro APR
0% intro APR on on balance transfers for 15 months from the date of account opening
APR
18.24%-29.24% Variable APR

3%
Cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%).
3%
Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%).
3%
Cash Back at U.S. gas stations (up to $6,000 per year, then 1%).
1%
Cash Back on other purchases.

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • View Rates & Fees

Refreshed with new benefits, including higher rewards in some of the most popular spending categories, the Blue Cash Everyday® Card from American Express is a strong contender for fee-averse families.

Pros
  • The card earns 3% cash back on up to $6,000 spent per year in each of three categories: U.S. supermarkets, U.S. gas stations and U.S. online retail purchases. Other spending earns 1% cash back. There's a great 0% intro APR period and a strong welcome offer, among other benefits. And the annual fee is an unbeatable $0. Terms apply.

Cons
  • Bonus rewards are capped in each category. Many households that spend a lot on groceries and streaming will be better off with the Blue Cash Preferred® Card from American Express, even after accounting for its annual fee, because of that card's high rewards rates.

Read full review

Our pick for: Going out & staying in

Annual fee
$0
Rewards rate
1%-8%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro on purchases for 15 months
Balance transfer intro APR
0% intro on balance transfers for 15 months; balance transfer fee applies
Regular APR
19.24%-29.24% Variable APR
Annual fee
$0
Rewards rate
1%-8%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro on purchases for 15 months
Balance transfer intro APR
0% intro on balance transfers for 15 months; balance transfer fee applies
Regular APR
19.24%-29.24% Variable APR

8%
Cash back on Capital One Entertainment purchases.
5%
Cash back on hotels and rental cars booked through Capital One Travel.
3%
Cash back on dining.
3%
Cash back on entertainment.
3%
Cash back on popular streaming services.
3%
Cash back at grocery stores (excluding superstores like Walmart® and Target®).
1%
Cash back on all other purchases.

  • Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  • View Rates & Fees

The $0-annual-fee Capital One Savor Cash Rewards Credit Card offers an irresistible (and hard-to-find) combination: high rates on dining AND at grocery stores, as well as on a broad range of entertainment options.

Pros
  • You'll earn 3% cash back on dining, at grocery stores and on entertainment and eligible streaming services, plus 8% back on Capital One Entertainment purchases. Other purchases earn 1% back. There's also a generous sign-up bonus, not to mention an intro APR offer. That's a lot of value packed into a card with a $0 annual fee.

Cons
  • If your spending is more concentrated in one food category over the other — dining out or cooking at home — you might do better with a card that specializes in that area.

Read full review

Our pick for: Quarterly categories + cash bonus

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
19.49%-28.24% Variable APR
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Regular APR
19.49%-28.24% Variable APR

5%
Cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Cash back on Chase travel purchased through Chase Travel®.
3%
Cash back on dining.
3%
Cash back at drugstores.
1%
Cash back on all other purchases.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49%-28.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

The Chase Freedom Flex® offers rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus a generous bonus for new cardholders. If you're willing to put in a little work, it's one rich card.

Pros
  • This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. New cardholders can snag a strong sign-up bonus, too.

Cons
  • You have to opt in to the bonus categories every quarter, which can be a hassle. The rotating 5% categories might not be a good fit for everyone, and in recent years, they've shifted a bit toward lower-spending areas: Restaurants dropped out of the rotation entirely (although dining is now a permanent 3% category), and gas stations have been included for two quarters a year.

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Our pick for: Simplicity + relationship rewards

Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.24%-28.24% Variable APR
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on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro APR on Purchases for 15 billing cycles
Balance transfer intro APR
0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.24%-28.24% Variable APR

1.5%
Cash back on all purchases.

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The $0-annual-fee Bank of America® Unlimited Cash Rewards credit card earns a simple, straightforward rate on all purchases, and you can boost that rate even further if you're eligible for the Bank of America Preferred Rewards® program.

Pros
  • The card earns an unlimited 1.5% back on all purchases, an uncomplicated rate that's in line with the industry standard. If you're a member of the issuer's Preferred Rewards program, that rate can be 1.875% to 2.625%, depending on your level in the program. On top of that, it offers incentives, including a sign-up bonus and an intro APR on purchases and balance transfers.

Cons
  • In recent years, a 1.5% rewards rate has become table stakes. You can find cards with higher rewards rates.

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Our pick for: Simplicity + 0% APR offer

Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro on purchases for 15 months
Balance transfer intro APR
0% intro on balance transfers for 15 months; balance transfer fee applies
Regular APR
19.24%-29.24% Variable APR
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$200
Recommended credit score
690-850(Good - Excellent)
Purchase intro APR
0% intro on purchases for 15 months
Balance transfer intro APR
0% intro on balance transfers for 15 months; balance transfer fee applies
Regular APR
19.24%-29.24% Variable APR

5%
Cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
1.5%
Cash back on every purchase, every day.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
  • View Rates & Fees

The original 1.5% cash-back credit card is still getting it done, even after being challenged by a wave of competitors. Few cards offer as compelling a combination of cash-back rate, sign-up bonus, intro 0% APR offer and redemption flexibility as the Capital One Quicksilver Cash Rewards Credit Card.

Pros
  • You earn unlimited 1.5% cash back on every purchase, and you can redeem your cash back in any amount, with no minimum. New cardholders get a great 0% intro APR period for purchases. And don't sleep on the sign-up offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Cons
  • Simplicity is this card's strength, but if you're willing to put in a little effort, you can score bigger cash back with other options, especially those with bonus categories.

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Our pick for: Amazon Prime shoppers