Cash Back Credit Cards
Cash back credit cards offer a percentage of cash back on purchases that can be used for credits, gift cards, or other rewards. Some cards offer higher cash back rates based on purchase type.
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How to Choose The Best Cash Back Credit Card
For most people, cash back cards are the best. Take your cash rewards, and spend them however you please. With cash back rewards, you know exactly what a dollar is worth … but which cash back card should you choose? Sally French breaks it down for you.
Cash back credit cards FAQs
Cash-back credit cards offer varying welcome bonuses. Some cards don't offer any sign-up bonuses, while others offer modest bonuses of $25 to $100. If you're willing to pay an annual fee, you may be able to find a card with a more generous bonus worth $150, $200, or even $250. In the end, the best welcome bonus for you will depend on your spending habits and financial objectives.
What is a good welcome bonus?
When it comes to cash back credit cards, you'll generally have a choice between a 1.5% cash-back card with a sign-up bonus or a 2% cash-back card without one. Just be aware that some 2% cards may come with additional requirements to earn the bonus.
What is the standard cash-back rate for credit cards?
You can get cash-back cards with a 0% intro APR. With no-interest periods lasting 12, 15, or 18 months, some of these offers are among the best available. Cash-back cards may not be as well known for their 0% APR offers, but they can be valuable features for those looking to finance a large purchase or pay off debt.
Can I get a cash-back credit card with a 0% intro APR?
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Compare the top cash back cards
Read reviews of the top cash back cards
Chase Freedom Unlimited Review: A Potential One-Card Solution
Start with a lucrative bonus, add 3% back on restaurants, 1.5% back outside of bonus categories and flexible redemption options, and you have a winner.
Wells Fargo Active Cash® Card Review: 2% Cash Back With a Bonus
The card features unlimited 2% cash back on all purchases, a sign-up bonus and a 0% intro APR promotion.
Capital One Quicksilver Review: A No-Fuss, No-Gimmicks Card
The card earns 1.5% cash back on all purchases, features a sign-up bonus as well as a 0% APR promotion.
Capital One SavorOne Review: Delicious Foodie-Focused Rewards, for No Fee
Food and entertainment rewards are the centerpiece of this card, which pays an unlimited 3% cash back at restaurants and grocery stores, but also on streaming and more.
Citi Custom Cash Card Review: Low-Maintenance 5% Cash Back
The card earns 5% cash back (up to a spending cap) in your top spending category each billing cycle. Everything else earns an unlimited 1% back.
American Express Blue Cash Preferred Review: Perhaps the Ultimate Family Card
You'll earn 6% back at U.S. supermarkets on up to $6,000 a year in spending, plus 6% back on select U.S. streaming services and 3% back at U.S. gas stations and eligible transit. Terms apply. The catch? A sizable annual fee.
Citi Double Cash Review: 2% on Everything Is Tough to Beat
The combined 2% rewards rate — 1% when you make a purchase and 1% when you pay it off — is among the best on any cash-back card, especially for an annual fee of $0.
Discover it Cash Back Review: 5% Rewards Are Worth a Little Work
This card offers a high rewards rate in rotating categories, a good 0% APR offer and an unusual bonus that could become a windfall.