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

What is a good welcome bonus?

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 the standard cash-back rate for credit cards?

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.

Can I get a cash-back credit card with a 0% intro APR?

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.

Guides

Find the right cash back card for you

Current Credit Card Bonus Categories: Discover, Chase Freedom, Citi Dividend

by Kenley Young

Cash-Back Credit Cards That Are Great for Travel, Too

by Gregory Karp, Sara Rathner

Which 5% Rotating Bonus Category Card Should I Choose?

by Robin Saks Frankel, Erin Hurd

Which 1.5% Cash-Back Credit Card Should You Choose?

by Gregory Karp, Robin Saks Frankel

Make the most of your cash back card

Making the Most of the Chase Freedom Unlimited

by Claire Tsosie

How to Get the Most Out of the Discover it Cash Back Card

by Virginia C. McGuire, Funto Omojola

How to Make the Most of Your Capital One Quicksilver Card

by Paul Soucy

Getting the Most From Your Bank of America Customized Cash Card: There Are No Shortcuts

by Claire Tsosie

Read reviews of the top cash back cards

Chase Freedom Unlimited Review: A Potential One-Card Solution

5.0

NerdWallet rating

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

5.0

NerdWallet rating

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

4.6

NerdWallet rating

The card earns 1.5% cash back on all purchases, features a sign-up bonus as well as a 0% APR promotion.

Capital One Savor Review: Foodie-Focused Rewards, for No Fee

5.0

NerdWallet rating

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

4.7

NerdWallet rating

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

5.0

NerdWallet rating

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: A Solid Choice for Everyday Spending

4.9

NerdWallet rating

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 [nw_marketplace_field product_type="credit_cards" entity_type="offers" entity_id="2a5d5681-8a3b-4e4c-9509-7476a4d3290d" credit_cards_offers_field="details.annual_fee_details" card_id="4220" /].