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Cash Back Credit Cards

A cash-back credit card earns you cash rewards – usually around 1% to 2% but sometimes more – on every purchase. Some of the cash-back cards below are from NerdWallet's partners.

Showing 110 of 18
Annual FeeRewards Rate Sign Up Value Annual Rewards

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred Credit Card

Blue Cash Preferred® Card from American Express

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$75
Annual Fee
1.0%
Rewards Rate
$384Annual Rewards
Apply Nowon American Express's secure website.
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Capital One® Quicksilver® Cash Rewards Credit Card

Capital One Quicksilver Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

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$0
Annual Fee
1.5%Rewards Rate
$374Annual Rewards
Apply Nowon Capital One's secure website.
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Chase Freedom®

Chase Freedom Credit Card

Chase Freedom®

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$0
Annual Fee
1.0%
Rewards Rate
$338Annual Rewards
Apply Nowon Chase's secure website.
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Discover it®-Double cash back your first year

Discover it Credit Card

Discover it®-Double cash back your first year

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$0
Annual Fee
1.0%
Rewards Rate
$336Annual Rewards
Apply Nowon Discover's secure website.
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Blue Cash Everyday® Card from American Express

American Express Blue Cash Everyday Credit Card

Blue Cash Everyday® Card from American Express

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$0
Annual Fee
1.0%
Rewards Rate
$313Annual Rewards
Apply Nowon American Express's secure website.
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Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One QuicksilverOne Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

View Details
$39
Annual Fee
1.5%Rewards Rate
$285Annual Rewards
Apply Nowon Capital One's secure website.
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First National Omaha Graphite(SM) American Express(R) Card

First National Omaha Graphite(SM) American Express(R) Card Credit Card

First National Omaha Graphite(SM) American Express(R) Card

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$99
Waived first yearAnnual Fee
1.0%Rewards Rate
$265Annual Rewards
Apply Nowon First National Omaha's secure website.
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Union Bank Graphite American Express Card

Union Bank Graphite(SM) American Express(R) Card Credit Card

Union Bank Graphite American Express Card

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$99
Waived first yearAnnual Fee
1.0%Rewards Rate
$265Annual Rewards
Apply Nowon Union Bank's secure website.
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Fifth Third Cash Rewards

Fifth Third Bank Cash Rewards Credit Card

Fifth Third Cash Rewards

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$0
Annual Fee
1.0%Rewards Rate
$264Annual Rewards
Apply Nowon Fifth Third Bank's secure website.
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Bremer Bank Signature

Bremer Bank Signature Credit Card

Bremer Bank Signature

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$0
Annual Fee
1.0%Rewards Rate
$229Annual Rewards
Apply Nowon Bremer Bank's secure website.
View Details
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

NerdWallet: Hi Vikram, As Kelly notes, the Chase Sapphire Preferred isn't technically a cash back card because its best value comes from redeeming for travel.

Vikram: why isn't chase preferred card included here?...

NerdWallet: Hi Andy, While you can redeem for cash back, you're definitely much better off redeeming for travel - as Kelly mentioned, your points are worth 25% more when you book through Chase. Cash is definitely an option, though!

Andy Stein: Kelly, actually, Chase Sapphire Preferred is a cash back card. Last year I applied for $500 cash back after spending $3000 in the first 3 months. I redeemed $500 cash. To avoid annual fee (1st year was free), I converted to Chase Sapphire, still same 1% cash back!

NerdWallet: Hey Kay, It actually depends on the merchant categorization code, which is assigned to the merchant by a credit card network (like Visa or MasterCard). There's no way to see it on your receipt, the best you can do is look online. However, when it comes to Amex, basics like Safeway, Whole Foods, Trader Joe's, Food Lion and other grocery store chains DO earn bonus rewards.

NerdWallet: Your best bet might be the US Bank Cash+, which gives 5% back in two bonus categories that you choose from a list that rotates quarterly. However, it doesn't have a signup bonus, so you might also want to consider the Chase Freedom or Citi Dividend Platinum Select - check out their 5% bonus categories and see if they align with your spending patterns.

NerdWallet: Hi John, thanks for catching the error! We'll fix that ASAP.

NerdWallet: Hi Linda, I'm sorry you had such difficulty with Capital One! For what it's worth, we've had a decent experience with Chase customer service, but they don't have any no foreign transaction fee cards that also don't charge annual fees.

Linda Weinert: My husband applied for the Capitol One card based on low foreign transaction fee (0%). Took a LONG time to get the card and then he asked for another card on the same account in my name. They misspelled my name. Overall, it took around 5 weeks to get each of us a card with a correctly spelled name. Also, if you are travelling abroad, they cannot give you a card with a chip in it.

John Connor: The blue cash preferred reward for grocery is calculating at 1% instead of 6%.

NerdWallet: Hey there GB: Unfortunately, we're not able to show the Chase Amazon card on our tool because of compliance reasons. However, we invite you to read our blog post about it here: http://www.nerdwallet.com/blog/credit-cards/amazon-credit-card-review/

Kelly: CSP is primarily a rewards card, not a cash back card. The 40000 points offered is worth far more than $400 if used for travel or to transfer to partners.

Dell Erwin: Thanks for your kind and helpful information.

Gracious Brisket: As usual, the Chase Amazon card is left off the list. No annual fee, 2% back on dining, gas, drugstores, office supplies AND 3% back on amazon.com purchases (whos prices usually beat everyone). No caps, no fees, no nonsense. Oh, and of course you receive 1% back on everything else. Best of all you can cash in your points for travel vouchers worth up to 60% over the cash you could also receive. For example 25,000 points = $250 = $400 travel voucher (no restrictions either!) You're welcome, nerds.

I registered solely for this: I think you are the stupidest person out there -- stupid is one thing, but why would you come online and show the world that you are stupid? You earn 5,000 points, but you earn TWO points for every 1 dollar. You get $50 and that's 2% cashback. If I were you I would sign in again, delete my comment, and go straight to a local school enroll in 4th grade math class while calling your math teacher and apologize.

Dan Chan: She asked for gas AND grocery so AmEx Blue Cash Preferred is best for those categories. PFCU visa is good for gas alone.

Mandy H.: The Chase Sapphire Preferred is offering a $400 cash reward after spending $3000 in the first 3 months. My wife and I each got one. Why is this card not shown here???

John Brendel: No, that is not accurate. AmEx Blue Cash Preferred is NOT the best for gasoline purchases. Pentagon Federal Credit Union's Visa card pays 5% cash back on gas purchases all the time, and it has no annual fee ever.

dellerwin: Many merchants in central Virginia will not accept AMEX. Check to see if the rewards are cash or points. My AMEX-Fideleity 2% rewards is 2% points but only 1% cash. It took me a year to discover this deceit.

dellerwin: Many merchants in central Virginia will NOT accept AMEX cards. Plus, they say 2% points as rewards. That is NOT 2% cash back. You only get 1% cash back with the AMEX-Fidelity card. Very deceitful advertising, I think.

dellerwin: I have AMEX Fidelity card, recommended by Clark Howard, with 2% points for each purchase. After a year, I learned that you get 2% points but not 2% CASH. After earning 5,000 points, they put $50 into my linked Fidelity account--1% cash back and half that if I have it transfered to checking or other cash vehicle. I think it is very deceitful advertising to highlight 2% points. Most people think of that as cash back. It is not! It pays to read the fine print. Plus, many merchants in our area, central Virginia, will not accept AMEX. So, bye bye AMEX-Fidelity!

RML: If I have great credit and spend most on flights, taxis, and eating out (not groceries), which would be the best card for me? Right now I have Amex blue but not the cash kind and I've racked up a bunch of points but I don't see anything that I want to redeem them for. Cash back would be better.

Kay Bee: Hello; I am trying to determine which card out there is the best choice for grocery purchases.Including the various AMEX's. Also I am assuming Walmart does not count as a "Grocery Store" with the various cards. I read in an earlier post that grocery stores had to be names as such on receipts. Is this correct ? Thanks!

Bobbo: I was wondering am i able to pay rent with these cards to gain cash back rewards. And if not is there such a way to include rent payment to gain rewards.

Jason: I have the Chase Freedom card. Yes, they will send you a check. You do need to earn $20.00 in cash back value, then you log on and ask for a check or they will credit the amount to your Chase Checking account (if you have one). You can also get it credited to your credit card balance, which is the same as getting a check if you pay off the balance every month. (If you carry a balance during the 0% intro period, I found that statement credits do not reduce the minimum payment due).

bigbern47: I am a charter member of Citibank Drivers Edge going back over 20 years.I get back 2% cash back on all purchases.The cash may only be used when buying any car,new or used.I have bought many cars over the years and have never saved less than $1000 on any car.I don't know if the program is still available.I love it.

jmjstb6: Currently I have an Exxon/Mobil Mastercard. I never carry a balance. 10/31/12 this card will be closed. Every month it figures out what your cash back amount is and it comes off the next months' bill. 3% on gas and 1% on everything else with no caps. I like this and am looking for something similar.

patty: How can i redeem my rewards or cash back from chase continental debit/crredit master card?

NerdWallet: As a rule, it's not a good idea since they'd have to run your credit for both cards, and that always affects your credit score. But if you time it exactly right, there is a small chance that you can take advantage of reporting delays.

Ski: OK...got it! Thx Couple more questions. Would it be OK to apply for both cards at the same time? Or should I wait a while in between? If so, how long?

NerdWallet: AmEx won't send you a check in the mail to exchange for cash, but you can redeem them for statement credits instead. This is just like cash, only it's directly applied to your statement. Essentially, if you spend $25 on your credit card, you can use a $25 statement credit to cover the cost. You'll get the value, but unfortunately you won't be getting any foldin' money.

Ski: Currently I don't have ANY rewards credit cards. I always thought they were some sort of scam that had fineprint which would somehow screw you out of your rewards (kinda like frequent flier miles that expire or don't transfer when airlines merge, etc.) I'm considering getting an Amex Blue Cash Everyday (mainly for Costco) & a Chase Freedom. How easy is it to actually get your "cash back"? Do they just issue you a check... how does it work? The Amex Blue Cash Preferred says: "Cash back will be provided in the form of Reward Dollars, redeemable for statement credits, gift cards and merchandise." Are these "reward dollars" something I can exchange for good ol' U.S. minted regular American dollar$? i.e. Can I actually get the $ to hold in my hand? Or will I need to call Peggy and trade them for tokens then upgrade to coupons, apply to my statement or...? Thanks in advance for any info.

NerdWallet: I wouldn't necessarily say it's an either-or, as long as you wait a bit between applications. You can have your Amex Blue Cash for everyday use, and if you run into a merchant that doesn't take Amex, you can use the no-fee Bank of America card as a backup. I actually have the Bank Americard myself - it replaced my amazing 2% cash back Schwab Visa - but I never actually use it, preferring the Chase Freedom. It gave 5% cash back on gas last quarter and will again next quarter, as well as 5% back on groceries this quarter.

Micah: I am a young professional with good credit. I applied for the Chase Freedom to use on the 5% items and wanted to have another card with the 3%, 2%, 1% to use as well. I'm torn between the Blue Cash AMEX and the BankAmericard Cash Rewards. I have a BoA account that I use and I am worried about AMEX not being accepted everywhere, but I'm not sure I trust BoA with as much negative publicity they have had recently. Thoughts between the two?

Alshay: The best cash back card is the Discover card. I pay my balance in full each month and right now I get about 3% back monthly on my purchases. Great card, great service and they are accepted at many more locations then Amex.

NerdWallet: Does the first Chase card have an annual fee? If you don't use the second card (the one with the fee) I'd recommend canceling it after you apply for the Amex. I've run into problems with merchants that don't take Amex before, so it's helpful to either keep a Visa or MasterCard credit card on hand, or a V/MC debit card.

Sabrina: I pay my Chase VISA card every month. I have a second VISA with Chase that I never use. Those are my only cards. I'm thinking of getting rid of the second VISA which charges me $49 annually and swap it for the AMEX Blue Cash Preferred. Then I'd transfer all my spending to the AMEX. My question is: How often do you find that merchants won't accept the AMEX? And is it a bad idea to cancel the non-active card? Thanks for any tips!

NerdWallet: Very true, I'm hoping that the $100 bonus is only temporary, as last year it was upped to $150 and then to $200.

BiGd: I wouldn't apply for Chase Freedom until the offer is back at $200. This is pretty typical of credit card companies to cycle their offers throughout the year.

DG: For the amex preferred card are target, bed bath and beyond etc... considered department stores? what about amazon and BN

Heronva: NerdWallet are you planning any blogs on the Sallie Mae Visa 2% cash credit card?

DG: are target, bed bath and beyond etc... considered department stores? what about amazon and BN

NerdWallet: You sound like the prime candidate for the American Express Blue Cash Preferred, which gives 6% cash back on groceries, 3% on gas and department stores and 1% elsewhere. There is a $75 annual fee, but that's mitigated by a $150 signup bonus.

DG: I am looking for a cash back or rewards card. I have excellent credit. I spend most my money on food (both groceries and eating out), movies, books, and stores like target, bed bath and beyond, ulta, sephora. My gas usage varies a great deal from none for months at a time to $100 a month.

NerdWallet: The American Express Blue Cash Preferred is the best for gas/groceries, giving 6% cash back on groceries, 3% on gas and department stores and 1% elsewhere. It has a $75 annual fee, but right now, there's a $150 signup bonus to wipe out that fee for the first two years.

Judithbritez: I am retired and have credit cards but i woulds like to ger one for just gas and groceries which one would you suggest

Heronva: Actually, I also thought I had a problem with AmEx posting my cash back rewards until I read the fine print. It states clearly on the statement that cash rewards will not post until a payment is made. It took two statements for my cash rewards to appear.

NerdWallet: You'd receive 5 points, which you can then redeem for cash (of course, you can also use those points for gift cards, merchandise and the like).

NerdWallet: Hi Victoria, Our personal favorite for students is the Citi Forward for College Students, which gives 5 ThankYou points per $1 spent on books, movies, music and dining out (books, by the way, includes the campus bookstore and Amazon.com). There's no annual fee, and even though the signup bonus isn't stellar, the rewards program makes up for it. Check it out: http://www.nerdwallet.com/card-details/card-name/Citibank-ForwardSM-for-College-Students

Victoria Earllene: Hi! I am a college student with a Discover More card. I have had the card for a little over a year and have never had a late payment. I don't spend very much, only $100 to $200 a month, and pay it off in full. I would like to get either a Visa or MC with rewards. Which credit cards would you recommend? I

Erin Baker: their.... it's their... Maybe you don't know as much as you think.

NerdWallet: I would recommend the Chase Freedom, a no-fee cash back credit card. Two of us here at NerdWallet, both with very short credit histories, applied and were approved for the card. It's a good deal in general, with 5% cashback on rotating bonus categories, 1% back elsewhere and a $200 signup bonus.

Djuhlemann: I am a young professional and I just opened up my first credit card with Wells Fargo about 9 months ago. I have never missed a payment on this credit card and my credit is good. I am looking for cash rewards or travel rewards, but I am concerned they may reject me for not having established credit long enough. Do you think they would reject me? If not, which card would you recommend to me?

Y26404986: If its a statement credit, you won't get a 1099-INT. However, I received $200 for opening a Chase Checking account ($200 deposited into my account) and that resulted in a 1099-INT.

Y26404986: Agreed .. its a pity Discover is accepted so sparsely because they treat cardmembers like GOLD. I have the Discover card and take full advantage of their quarterly 5% cashback bonus program which if you redeem for partner gift certificates you can leverage the value up even more ($20 for $25 gift card; $40 for $50 gift card). I LOVE DISCOVER! Plus, this year (2012) they've increased the quarterly category spending limits to $1500. YAY!! Oh yeah, I never carry a balance and pay off my credit card in full every month. Who says financial companies are evil? Its all about personal responsibility.

Y26404986: I have the FIAmex card and love it. One correction - there is NO annual fee. And it does suck a bit that its Amex (not Visa/MC) but still, better 2% than 1% wherever it's accepted.

NerdWallet: Hi Julia, Which card to you use?

julia scott: I have a pre-paid, card I can put any amount I want on it. The only thing is that I have to pay to reload, pay each time I use it, the amount very's, depending on weather I sigh, swipe, or use pin..... Is there another card cheaper then this ??

NerdWallet: You're generally off the hook if your bonus has a spending threshold, or if the bonus is less than $600.

Maxim12: Are the $200 cash back after spending $500 or $1,000 taxable with 1099 MISC?

Mekong57: Will I get a 1099NIT for the $200 chase freedom bonus?

Rogdlds: I disagree-I am a member of 2 credit unions and while I agree that if you carry a balance, credit union cards usually carry a lower rate, they generally don't have very good cash back rates. If you don't carry a balance and are using cash back cards for saving money- look at Fidelity Amex and Discover.

Deb: I have two questions, if you wouldn't mind helping me out here: First, I'm really new to credit cards in general, much less cash back credit cards (although I do have good credit for paying my student loans on time). Could you explain how it would be possible to transfer the cash rewards from the credit card account to a separate checking account? How do you find out if there are fees for doing this, and what they are? I saw "Transfer: None" listed under Intro APR Promotions for a few cards, but I wasn't sure what this means. Second (and somewhat related), with the 2% Fidelity AmEx card, is it possible to transfer the cashback received to a separate checking account? Obviously, it's an investment account, so that complicates things. Thank you VERY much! :)

Sandi: I am confused about the Fidelity rewards AMEX which I currently use as much as possible. 2% is deposited to a fidelity account each month.

NerdWallet: If you carry a balance, you shouldn't apply for a rewards credit card. The APRs are always higher. You're much better off in that case with a low APR credit card: http://www.nerdwallet.com/low-apr-credit-cards Or a credit union: http://www.nerdwallet.com/credit-union

Michael Porter: I agree, early this year I had a chase Visa and my interest rate went from 14.99 to 23.99. I applied for a visa card through my credit union becu.org I was issued a visa with 6.99 interest rate and 7 months later I'm still very satisfied with this low rate.

J Krosberg: Don't even bother with these credit cards, they will use any excuse to raise your rate up to 29.99%. Try your credit union, their rates are lower and if they are a federal credit union by law they can't raise your rate more than 19.99%.

NerdWallet: The $200 deal is alive and well. Chase has never listed it on their own site, it's only available through online channels like ours. If you click the "Apply Now" link above, it will take you to the deal. Hope that helps!

GenePearson: Chase Freedom appears to have changed their offer from $200 to $100. Unable to get to the Chase application screen via NerdWallet. Chase.com site said only $100.

Money card: Hey Nerd I know more about credit cards than your company. Discover needs to be at the top of the cashback list. they may have low caps, but they were the first credit card with no annual fee. while chase had a $25.00 fee. Discover agents talk nicely to there card members, while chase decides what color of there cards needs to be.

NerdWallet: To avoid any confusion with our users going forward, the below text is from the T&C on the Chase Freedom application page: Replying to this offer: If you omit any information on the form, we may deny your request for an account. If applicable, Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer or have received a similar bonus offer, may not be eligible for a second Chase credit card in the same Rewards Program, or for any bonus offer. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing.

Ba Sh: I checked the terms and conditions and suggest that u check them too. There is no mention of such criterion. Try to click on the chase link that you have posted and show me where a visitor can learn about this particular condition to the offer?

NerdWallet: That is standard operating procedure for any an all credit card offers. Please check the card's terms and conditions before applying.

Tester: I too, have a Schwab credit card that gave straight 2% back in cash into my account every month. Nothing good lasts, not going to stay with BAC. There fees are higher than there stock share price, looks like I will have to with capital one venture card for now....

Nearmsp: The foreign transaction is no more an issue. Most foreign countries have cleaned out the huge 3% Visa and the rest were earning. Now local companies convert the local fee in to USD and eat up a small portion of the fee. So greedy visa and the rest have lost out. I travel to China, India etc frequently and most 5 star hotels bill my credit card in USD and I pay no foreign transaction charge. Paying in USD is cool for billing purposes for travel claim calculations etc.

Tim: Awesome card site...just found it. I have an old Amex cashback card no longer offered that is awesome, but I carry an additional card to fill the gap. Looks like I'll drop my Discover card (low caps) and pickup the Chase Freedom (can't beat the $200 bonus) and PenFed (love the unrestricted location/cap 5% gas). Thanks!!!

sunkat: Looks like Ritz has no Forex fee; might as well get both cards....lol

NerdWallet: If you stay at the Ritz a lot, that's a pretty solid choice: http://www.nerdwallet.com/blog/2011/ritzcarlton-credit-card-now-with-50000-point-bonus/

NerdWallet: Actually it's 2.7%, so you'd stil be losing money :-/

sunkat: guess I missed it; thx for info what is the Forex fee for Fidelity AMEX? 1%? So with the 2% cash back offsetting it, it's like getting 1% cash back on foreign transactions instead of 2% , correct? good enough for me! I've had my Schwab/FIA 2% visa for 2 years and haven't made one foreign transaction and haven't used it for ATM one time; so I guess it's an individual thing. If you make a lot of foreign transactions and have a card that get's better than 1% cash back with no forex fee, then that would make more sense. Having said all of that, I'm now deciding between the Fidelity 2% cash back AMEX and the new Ritz-Carlton rewards VISA thru Chase; because I stay at the Ritz a lot, $395 annual fee though...ugh

NerdWallet: Hey, that card is actually listed last in that blog post. There are a few caveats, which you mention here, and which are the primary reasons it's not our #1 replacement for the old Schwab card. If the Fidelity card were a Visa and charged no foreign transaction fees, it would certainly be a favorite.

sunkat: thanks for link, Tim. I don't know why they don't mention the Fidelity Amex 2% cash back - it's almost as good as the Schwab was. I can't think of anywhere I've used the Schwab Visa that doesn't take AMEX...just the occasional small merchant. And Fidelty Amex waits until you have accumulated 2500 points before automatically depositing $50 cash into your Fidelity acct. These seem to be very minor differences and no real impact on an annual basis. What am I missing here? The Fidelity AMEX 2% cash back should be a no-brainer for everyone that loved the Schwab Visa.

NerdWallet: Hey SL11, this blog post may also help you: http://www.nerdwallet.com/blog/2011/adieu-to-the-2-charles-schwab-credit-card/

SL11: I have one of those Schwab cards. 2% is ending October 31, FIA switching it to B of A with only 1% cash back. Time to find a new card. That's why I'm on this website...

NerdWallet: The Fidelity card has no annual fee, and it pays 2% just like the Schwab card used to. You can find information about it here: http://www.nerdwallet.com/card-details/card-name/Fidelity-Investment-Rewards-American-Express As for our credit card listings, if you have suggestions for better cards than what we have listed, we are happy to do the research and add them to our site along with these others.

sunkat: I always get the gas reward at all gas stations that have convenience stores attached (7-eleven, mobile, exxon, shell, etc) Here is a BIG tip.... Get the Costco Amex for business and get 4% cash back on gas up to $6,000/year Ever have a yard sale or sell anything on Ebay? You are a sole proprietor...apply for the business card as "John Smith, sole proprietor" and use your SSN as your Business Tax ID - completely legit

Susiemmanning: I was very disappointed when I received a notice from Chase Freedom credit card yesterday stating their policy change to the 3 categories each quarter instead of the top 3 out of 15 categories every month for the 3 percent rewards. AND Also when you order out $200.00 you receive $250.00. These changes will cost me around $400.00 a year! Now looking for another bargain, any ideas?

guest: these aren't the best cards, what a joke. Just b/c you get paid from these companies doesn't mean you can't show cards that actually have good rewards like the schwab or fidelity card.

Antoniomooneyhan: my name is glinn mooneyhan and i am trying to get a credit card for my business and porson

Rkobernat: I have Chase Freedom and can use two of their 3 month 5% bonus rewards a year; Jan-Mar 5% on Groc and Drugstores & July-Sept 5% on Gas, Hotels and Airlines.  The other 6 months I use my Capitol One card that pays 2% all the time on Gas and Groceries. My take, you need two cards.

NerdWallet: Thanks for that, I know exactly what the credit card agreement says, but it's still not clear to me what gas from a "convenience store" is, since I haven't had problems getting the 3% from any gas station that also contained a convenience store. I'm sorry it hasn't worked out for you, have you tried calling Amex to find out what the problem is?

Fill 'er up: Tim, The following is an excerpt from the card agreement. Gas from convenience stores is specifically excluded from the 3% cash back. My experience is primarily with BP stations and Citco. I have never once received 3% from anywhere other than Costco. Yes- I am aware of the one month delay. I don't know why you are receiving the 3% and I am not. You will receive an annual reward of: • 3% on the first $3,000 of eligible purchases of gasoline at Costco or stand-alone gas stations in the U.S. during an award period. However, instead of 3% you will receive a reward of 1% for: - single purchases of more than 75 gallons of gasoline. - purchases of gasoline made at superstores, supermarkets, convenience stores and warehouse clubs (other than Costco). - purchases of gasoline at Costco or standalone gas stations in the U.S. after the first $3,000 during an award period. • 3% for eligible purchases at restaurants. • 2% for eligible purchases of travel from airlines, hotels, car rental companies, cruise lines, travel agencies and tour operators. • 1% on all other eligible purchases, including at Costco.

NerdWallet: I know that the terms and conditions on this card say "free standing gas stations," but I don't believe that means gas stations without convenience stores. I'm pretty sure it means gas stations that aren't associated with other warehouse, grocery, or department stores. In fact most gas rewards credit cards won't pay bonus rewards on gas purchases at these places, and the Costco card is the only one that allows bonuses at Costco. Which gas stations are you having problems with? I have this card as well and can experiment to see if I'm having similar problems as you. Just to double check myself, I checked my own statement and verified that I received the 3% bonus for every gasoline purchase I made in my last billing period. The Amex website makes it really easy because it breaks your rewards down into categories and shows you exactly how much of your spending earns the 3% gas reward. Keep in mind when you're checking your statement though, that the rewards are delayed by a month. So your march rewards statement will reflect purchases from February. In my case, I bought gas at Shell, Chevron, Velero, and Union 76, all of which earned my the max 3% rewards.

Fill 'er up: I have the True Earnings Costco Card from American Express and have been very disappointed. Although it is not mentioned in your card summary, the 3% cash back on gasoline only applies to gasoline from Costco and "free standing gas stations". A free standing gas station is one without a convenience store. Thus far, I have not received the 3% cash back for the purchase gas at a non Costco gas station because virtually every gas station has some sort of convenience store associated with it. I think the 3% cash back description is very misleading. The last time that I was at Costco, they had a salesperson touting the 3% cash back benefit for all gas purchases which is clearly misleading. I will likely cancel the card and seek out alternative cards.

NerdWallet: You won't find any on our site that fit that description, unfortunately. I believe the best rule of thumb is as follows: if your employer gives you a corporate card for which you don't have to submit a credit application, then that card is their responsibility, and you should only be liable for non-business use. If, however, you personally submit an application for a business credit card that asks for your SSN as well as your business's EIN (which will almost always be the case for small business owners or executives), then you are personally responsible for all the charges.

Jharrison: Are there any cash reward business cards that do not hold the individuals personally responsible for its purchases?