18 Best Cash Back Credit Cards of December 2024
Updated: Dec 2, 2024
+ 2 more+ 2 more
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.
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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.
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.
Why trust NerdWallet
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.
Show More
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.
Why trust NerdWallet
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.
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.
Why trust NerdWallet
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.
Why trust NerdWallet
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 December 2024
Wells Fargo Active Cash® Card: Best for Flat-rate cash back
Chase Freedom Unlimited®: Best for All-around cash back
Discover it® Cash Back: Best for Quarterly categories + matching bonus
Capital One Savor Cash Rewards Credit Card: Best for Going out & staying in
Citi Double Cash® Card: Best for Simplicity + high rate
Blue Cash Preferred® Card from American Express: Best for Families & households
U.S. Bank Cash+® Visa Signature® Card: Best for Wide selection of categories
Citi Custom Cash® Card: Best for Automatic 5% rewards
Bank of America® Unlimited Cash Rewards credit card: Best for Simplicity + relationship rewards
Blue Cash Everyday® Card from American Express: Best for Popular 3% categories
Chase Freedom Flex®: Best for Quarterly categories + cash bonus
Capital One Quicksilver Cash Rewards Credit Card: Best for Simplicity + 0% APR offer
Bank of America® Customized Cash Rewards credit card: Best for Adjustable 3% categories
U.S. Bank Shopper Cash Rewards® Visa Signature® Card: Best for Big box shoppers
PayPal Cashback Mastercard®: Best for Regular PayPal users
Prime Visa: Best for Amazon Prime shoppers
Apple Card: Best for Apple Pay users
Synchrony Premier World Mastercard®: Best for High rate + hassle-free redemption
Show SummaryHide Summary
Best Cash Back Credit Cards
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Wells Fargo Active Cash® CardApply Now on Wells Fargo's website on Wells Fargo's website | Best for Flat-rate cash back | $0 | 2% | $200 | Apply Now on Wells Fargo's website on Wells Fargo's website |
 Chase Freedom Unlimited®Apply Now on Chase's website on Chase's website | Best for All-around cash back | $0 | 1.5%-5% | Up to $300 | Apply Now on Chase's website on Chase's website |
 Blue Cash Preferred® Card from American ExpressApply Now on American Express' website on American Express' website | Best for Families & households | $0 intro annual fee for the first year, then $95. | 1%-6% | $250 | Apply Now on American Express' website on American Express' website |
 U.S. Bank Cash+® Visa Signature® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Wide selection of categories | $0 | 1%-5% | $200 | Apply Now on U.S. Bank's website on U.S. Bank's website |
 Discover it® Cash BackApply Now on Discover's website, on Discover's website, or call 800-347-0264 | Best for Quarterly categories + matching bonus | $0 | 1%-5% | Cashback Match™ | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
 Capital One Savor Cash Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Going out & staying in | $0 | 1%-8% | $250 | Apply Now on Capital One's website on Capital One's website |
 Blue Cash Everyday® Card from American ExpressApply Now on American Express' website on American Express' website | Best for Popular 3% categories | $0 | 1%-3% | $200 | Apply Now on American Express' website on American Express' website |
 Chase Freedom Flex®Apply Now on Chase's website on Chase's website | Best for Quarterly categories + cash bonus | $0 | 1%-5% | $200 | Apply Now on Chase's website on Chase's website |
 Citi Double Cash® CardApply Now on Citibank's application on Citibank's application | Best for Simplicity + high rate | $0 | 1%-5% | $200 | Apply Now on Citibank's application on Citibank's application |
 U.S. Bank Shopper Cash Rewards® Visa Signature® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Big box shoppers | $0 intro for the first year, then $95 | 1.5%-6% | $250 | Apply Now on U.S. Bank's website on U.S. Bank's website |
 Synchrony Premier World Mastercard®Apply Now on Synchrony Bank's website on Synchrony Bank's website | Best for High rate + hassle-free redemption | $0 | 2% | None | Apply Now on Synchrony Bank's website on Synchrony Bank's website |
 Capital One Quicksilver Cash Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Simplicity + 0% APR offer | $0 | 1.5%-5% | $200 | Apply Now on Capital One's website on Capital One's website |
 Bank of America® Unlimited Cash Rewards credit cardApply Now on Bank of America's website on Bank of America's website | Best for Simplicity + relationship rewards | $0 | 1.5% | $200 | Apply Now on Bank of America's website on Bank of America's website |
 Bank of America® Customized Cash Rewards credit cardApply Now on Bank of America's website on Bank of America's website | Best for Adjustable 3% categories | $0 | 1%-3% | $200 | Apply Now on Bank of America's website on Bank of America's website |
 Citi Custom Cash® CardApply Now on Citibank's application on Citibank's application | Best for Automatic 5% rewards | $0 | 1%-5% | $200 | Apply Now on Citibank's application on Citibank's application |
 Prime VisaApply Now on Amazon.com's website on Amazon.com's website | Best for Amazon Prime shoppers | $0 | 1%-5% | $200 | Apply Now on Amazon.com's website on Amazon.com's website |
 Apple CardApply Now on Apple's website on Apple's website | Best for Apple Pay users | No Fees* | 1%-3% | N/A | Apply Now on Apple's website on Apple's website |
 PayPal Cashback Mastercard® | Best for Regular PayPal users | $0 | 1.5%-3% | N/A |
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.
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.
Flat-rate cash back
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.
Our Take
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 19.49%, 24.49%, or 29.49% Variable APR.
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.
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.
Families & households
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.
Product Details
- 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 18.49% - 29.49%.
- 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.
- Terms Apply.
- View Rates & Fees
Our Take
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.
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.
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.
All-around cash back
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.
Product Details
- 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 19.99% - 28.74%.
- 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
Our Take
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!
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.
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.
Popular 3% categories
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.
Product Details
- 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, 18.49% to 29.49% 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.
- Terms Apply.
- View Rates & Fees
Our Take
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.
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.
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.
Quarterly categories + matching bonus
This card earns 5% cash back on quarterly categories that you activate (on up to $1,500 per quarter in category spending) and 1% on other purchases. The categories for October through December 2024 are especially enticing for holiday shoppers: Amazon.com and Target.
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.
Product Details
- 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. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- View Rates & Fees
Our Take
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.
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.
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.
Simplicity + high rate
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.
Product Details
- 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 18.49% - 28.49%, 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
Our Take
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.
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.
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.
Wide selection of categories
The unique rewards system on the U.S. Bank Cash+® Visa Signature® Card makes it a potentially lucrative option for people who don't mind (or who even enjoy) actively managing their credit card accounts.
Product Details
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
- 2% cash back on one everyday category like Gas Stations and EV Charging Stations, or Grocery Stores (excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.74% - 28.99%.
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
Our Take
A rotating category card with a twist: You pick your bonus categories. You earn 5% cash back in two categories you choose, on up to $2,000 per quarter in combined spending (then 1%); unlimited 2% cash back in an "everyday" category of your choice; and 1% elsewhere. There's a good sign-up bonus, and the annual fee is $0.
Rotating category cards involve work, and this one adds an extra layer of effort because you have to pick your categories each quarter. Forget to do so, and you'll earn only 1%. Further, the 5% categories tend to be more specialized than on comparable cards, so you might have trouble maxing out bonus rewards.
The unique rewards system on the U.S. Bank Cash+® Visa Signature® Card makes it a potentially lucrative option for people who don't mind (or who even enjoy) actively managing their credit card accounts.
Going out & staying in
For foodies, the $0-annual-fee Capital One Savor Cash Rewards Credit Card offers an irresistible (and hard-to-find) combo: high rates on dining AND at grocery stores.
Product Details
- For a limited time, earn a $250 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
- View Rates & Fees
Our Take
You'll earn 8% back on Capital One Entertainment purchases and 3% back on dining, grocery stores, eligible streaming services and entertainment. All 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.
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 one of those areas.
For foodies, the $0-annual-fee Capital One Savor Cash Rewards Credit Card offers an irresistible (and hard-to-find) combo: high rates on dining AND at grocery stores.
Automatic 5% rewards
The $0-annual-fee Citi Custom Cash® Card offers something unique in its class: 5% rewards that are automated based on your spending and don't require any "activation" or bonus-calendar tracking. Terms apply.
Product Details
- 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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
- View Rates & Fees
Our Take
The card earns 5% back automatically in your eligible top spending category per billing cycle, on up to $500 spent per cycle. Other purchases earn 1% back. Eligible 5% categories include popular line items like restaurants, grocery stores, gas stations and a host of others. And you get that rate automatically; it's customized to your spending.
Note the $500 monthly spending cap for the 5% rewards rate, which means the most you can earn per month in a bonus category would be $25.
The $0-annual-fee Citi Custom Cash® Card offers something unique in its class: 5% rewards that are automated based on your spending and don't require any "activation" or bonus-calendar tracking. Terms apply.
Simplicity + 0% APR offer
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.
Product Details
- 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
- View Rates & Fees
Our Take
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.
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.
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.
High rate + hassle-free redemption
The Synchrony Premier World Mastercard® pays a flat 2% cash back on all purchases, and those rewards are automatically applied to your balance as a statement credit.
Product Details
- 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
- No annual fee^
- Zero Liability Protection
- Secure online and mobile app account access
- Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.
- Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
- *2% cash back is valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made, if the account is open and in good standing. See Rewards Terms for details. We reserve the right to modify features of the Cashback Program at any time.
- ^NO ANNUAL FEE: New Accounts as of October 1, 2024: Variable Purchase APR 18.74%, 27.74%, or 34.49%. Variable Bal Trans APR 18.74%, 27.74%, or 34.49% and 4% Fee ($10 min). Variable Cash APR 21.74%, 30.74% or 37.49% and 5% Fee ($10 min). Variable Penalty APR 28.74%, 37.74% or 39.99%. Minimum Interest Charge is $2. Foreign transaction fee: 3%.
Our Take
This is a good card for someone who wants to earn a lot of cash back without a lot of work. There are no bonus categories to keep track of, just straight 2% cash back on all purchases. Your cash back redeems automatically as a statement credit (within two billing cycles). And the annual fee is $0.
This card doesn't have a sign-up bonus or a 0% intro APR period. Because the rewards redeem automatically, you can't save them up for something special, as some folks like to do.
The Synchrony Premier World Mastercard® pays a flat 2% cash back on all purchases, and those rewards are automatically applied to your balance as a statement credit.
Simplicity + relationship rewards
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.
Product Details
- $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 18.49% - 28.49% 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.
Our Take
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.
In recent years, a 1.5% rewards rate has become table stakes. You can find cards with higher rewards rates.
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.
