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Start Earning Up To 10% Cash Back With One of These Nerd-Approved Credit Cards

Cash-back credit cards range from straightforward to complex, but each can be rewarding. Learn more about how these cards work, how to maximize your rewards, and how to choose the right one for you. Then, browse our Nerd-approved picks and apply today!

One Of Our Favorite Picks

Bank of America® Unlimited Cash Rewards Credit Card

on Bank of America's website, or call (800) 343-3246

4.6

NerdWallet rating 

on Bank of America's website, or call (800) 343-3246

Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • No annual fee
  • New cardholder bonus offer
  • Intro APR period

Cons

  • Best rewards limited to certain customers
  • No bonus categories
  • Requires good/excellent credit
  • $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.
Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • No annual fee
  • New cardholder bonus offer
  • Intro APR period

Cons

  • Best rewards limited to certain customers
  • No bonus categories
  • Requires good/excellent credit
  • $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.

How Do Cash-Back Credit Cards Work?

Every time you use a cash-back credit card to make a qualifying purchase in store or online, it earns a percentage of the amount paid. That means if you spend $500 on a card that earns 1.5% cash back, you'll earn $7.50 back in rewards. Cash back cards are so popular because they’re easy to understand, and the main benefit comes in the most useful rewards currency: dollars. Using a cash-back card is like getting paid to spend money that you were going to spend anyway. Or put differently, you get a discount on whatever you buy with the card, in the form of redemption options such as a deposit into an eligible bank account, a check, statement credit, or a gift card. Big spenders can easily earn hundreds of dollars per year in cash back.

What Types of Cash Back Can You Earn?

Flat rate on all purchases

A flat-rate cash-back credit card can offer up to 2% in cash back on all purchases. It's typically the simplest way to earn cash back, but it may not be as straightforward on some cards.

Skip to flat-rate cards >

Elevated rewards in everyday categories

Other cash-back credit cards may offer higher rewards in certain categories and a base rewards rate. Some cards may also set a spending limit on the maximum amount you can earn in the highest-earning cash-back category.

Skip to elevated rewards cards >

Cash back in customized categories

Some cash-back credit cards earn rewards in a few high-spending categories from a list of several popular options that are likely to match your spending.

Skip to customized cash cards >

Bonus cash in rotating categories

A cash-back rate as high as 5% in common spending categories is possible to earn with a bit of maintenance. Your memory will have to be sharp with these options or you'll have to set reminders to stay on top of categories as they change.

Skip to rotating category cards >

How to Choose the Right Card For You

First, decide what type of cash back you want to earn:
  • Flat-rate: Lowest hassle, lower cash-back rate (but on everything you buy).
  • Fixed bonus categories: Medium hassle, higher cash-back rate on some purchases.
  • Changing bonus categories: High hassle, highest cash-back rate on some purchases.

    Then, narrow your list by considering how important the following factors are for you:
  • Does the card offer attractive rewards rates in your highest spending categories?
  • Does the card offer a sign-up bonus to boost your short-term earnings?
  • Does the card charge an annual fee? If so, is the rewards rate so good that it makes back that fee every year?
  • How complex are the earning criteria, compared to how much effort you're willing to put in?

    Ready to start racking up rewards? Compare our favorite picks below!

  • Flat-Rate Cash Back

    Citi® Double Cash Card

    on Citibank's application

    4.9

    NerdWallet rating 

    on Citibank's application

    Annual fee

    $0

    Rewards rate

    1%-5%

    Cashback

    Intro offer

    $200

    Recommended Credit Score

    Pros

    • No annual fee
    • High rewards rate
    • Intro balance transfer fee

    Cons

    • No intro APR period on 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).
    Annual fee

    $0

    Rewards rate

    1%-5%

    Cashback

    Intro offer

    $200

    Recommended Credit Score

    Pros

    • No annual fee
    • High rewards rate
    • Intro balance transfer fee

    Cons

    • No intro APR period on 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).
    The Citi Double Cash® Card is notable among cash-back cards, especially for an annual fee of $0. With superior flat-rate cash back, it’s ideal for consumers who want low-hassle, unlimited cash rewards on everything they charge. What it lacks in sizzle, it makes up for in daily dependability.

    How does it work? The card gives you 2% cash back on every purchase — 1% when you make it, and another 1% back when you pay it off. The sooner you pay your balance, the sooner you earn the second half of the rewards. That's a powerful incentive to pay your credit card bill in full every month, which we recommend you do anyway to avoid interest.

    Elevated Rewards In Everyday Categories

    Capital One® SavorOneSM Cash Rewards Credit Card

    on Capital One's website

    5.0

    NerdWallet rating 

    on Capital One's website

    Annual fee

    $0

    Rewards rate

    1%-10%

    Cashback

    Intro offer

    $200

    Recommended Credit Score

    Pros

    • No annual fee
    • Intro APR period
    • Bonus categories
    • No foreign transaction fees

    Cons

    • Requires good/excellent credit
    • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
    • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
    • 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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
    • No foreign transaction fee
    • No annual fee
    Annual fee

    $0

    Rewards rate

    1%-10%

    Cashback

    Intro offer

    $200

    Recommended Credit Score

    Pros

    • No annual fee
    • Intro APR period
    • Bonus categories
    • No foreign transaction fees

    Cons

    • Requires good/excellent credit
    • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
    • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
    • 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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
    • No foreign transaction fee
    • No annual fee
    The Capital One SavorOne Cash Rewards Credit Card is one of our favorite cards offering elevated rewards in everyday spending categories. It pays an unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. If you're a frequent restaurant diner or grocery shopper, it'll be hard to find a better cash-back card for an annual fee of $0.

    The potential to earn such a rich rate on both eating out and eating in helps separate this card from much of its competitors, which tend to focus on only one of those categories or the other. Plus, unlike some other cards, it doesn't limit how much spending is eligible for its higher rewards rates, and it doesn't have a minimum amount for redeeming your rewards. It's possible to find similar or higher rates with other options, but rarely both with the same card unless you're willing to cough up an annual fee.

    Blue Cash Preferred® Card from American Express

    on American Express' website

    5.0

    NerdWallet rating 

    on American Express' website

    Annual fee

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

    Rewards rate

    1%-6%

    Cashback

    Intro offer

    $250

    Recommended Credit Score

    Pros

    • High rewards rate
    • Bonus categories
    • Intro APR period
    • Cash rewards

    Cons

    • Has annual fee
    • Requires good/excellent credit
    • Spending caps on bonus rewards
    • Earn a $250 statement credit after you spend $3,000 in 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 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
    • 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.
    • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
    • 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 Preferred® Card. Enrollment required.
    • Terms Apply.
    Annual fee

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

    Rewards rate

    1%-6%

    Cashback

    Intro offer

    $250

    Recommended Credit Score

    Pros

    • High rewards rate
    • Bonus categories
    • Intro APR period
    • Cash rewards

    Cons

    • Has annual fee
    • Requires good/excellent credit
    • Spending caps on bonus rewards
    • Earn a $250 statement credit after you spend $3,000 in 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 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
    • 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.
    • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
    • 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 Preferred® Card. Enrollment required.
    • Terms Apply.
    Families can rack up serious cash back with the Blue Cash Preferred® Card from American Express. The $95 annual fee is a whopper and pricey for a cash-back credit card, but if you spend at least $31 a week at the supermarket, you'll cover it.

    It offers an eye-popping 6% cash back at U.S. supermarkets on up to $6,000 in spending per year, 6% back on select U.S. streaming subscriptions, and a generous 3% back on transit including U.S. gas stations, plus 1% cash back on everything else. Terms apply. Cash back is received in the form of reward dollars that can be redeemed as a statement credit. Gift cards and merchandise are also available.

    Cash Back In Customized Categories

    U.S. Bank Cash+® Visa Signature® Credit Card

    on US Bank's website

    4.3

    NerdWallet rating 

    on US Bank's website

    Annual fee

    $0

    Rewards rate

    1%-5%

    Cashback

    Intro offer

    $200

    Recommended Credit Score

    Pros

    • No annual fee
    • Bonus categories
    • High rewards rate

    Cons

    • Complicated rewards
    • $200 rewards bonus after spending $1,000 in eligible purchases within the first 120 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 Center
    • 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
    • 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 19.49% - 29.74%
    • No Annual Fee
    • Terms and conditions apply.
    Annual fee

    $0

    Rewards rate

    1%-5%

    Cashback

    Intro offer

    $200

    Recommended Credit Score

    Pros

    • No annual fee
    • Bonus categories
    • High rewards rate

    Cons

    • Complicated rewards
    • $200 rewards bonus after spending $1,000 in eligible purchases within the first 120 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 Center
    • 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
    • 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 19.49% - 29.74%
    • No Annual Fee
    • Terms and conditions apply.
    The U.S. Bank Cash+® Visa Signature® Card is a good match for avid rewards optimizers — those who juggle cards strategically to get the best return for every dollar. It works fine as an everyday card, but keep in mind that it requires some work on your part.

    This card stands out from competitors in the 5% cash-back space by giving you the freedom to choose the categories where you'll earn that top rate. The card lets you select two 5% cash-back categories each quarter from a list of 12 (including home utilities, cell phone providers, ground transportation, gym and fitness centers, department stores, fast food and movie theaters), and it features a higher combined quarterly spending cap than the competition. Plus, you'll choose a 2% cash-back category every quarter from a list of three, and there's no spending cap on that category. Finally, you get 5% back on certain travel bookings through U.S. Bank.

    Bonus Cash In Rotating Categories

    Discover it® Cash Back

    on Discover's website, or call 800-347-0264

    4.9

    NerdWallet rating 

    on Discover's website, or call 800-347-0264

    Annual fee

    $0

    Rewards rate

    1%-5%

    Cashback

    Intro offer

    Cashback Match

    Recommended Credit Score

    Pros

    • No annual fee
    • Intro APR period
    • Bonus categories
    • Cash rewards

    Cons

    • Complicated rewards
    • Spending caps on bonus rewards
    • Lower acceptance abroad
    • 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—automatically.
    • Redeem your rewards for cash at any time.
    • 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 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
    • No annual fee.
    • Terms and conditions apply.
    Annual fee

    $0

    Rewards rate

    1%-5%

    Cashback

    Intro offer

    Cashback Match

    Recommended Credit Score

    Pros

    • No annual fee
    • Intro APR period
    • Bonus categories
    • Cash rewards

    Cons

    • Complicated rewards
    • Spending caps on bonus rewards
    • Lower acceptance abroad
    • 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—automatically.
    • Redeem your rewards for cash at any time.
    • 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 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
    • No annual fee.
    • Terms and conditions apply.
    The Discover it® Cash Back on the other hand offers a high rewards rate in rotating categories, a good 0% APR offer and an unusual bonus that could become a windfall. If you don't mind keeping track of bonus categories that change every three months, this card is a winner either as an everyday card or as part of a multicard rewards-maximizing strategy.

    You would be hard-pressed to find a card with no annual fee that earns more than 5% cash back in bonus categories, which for the Discover it® Cash Back have recently included things like gas stations, grocery stores, restaurants and more. If you max out the 5% rotating quarterly category rewards each year on this card — that is, if you activated and spent up to $1,500 in those categories each quarter all year — you would earn $300 in bonus cash back, plus 1% back on every other purchase.