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4 Excellent Cash Back Credit Cards of 2023
A cash back credit card earns you cash rewards – usually around 1% to 2% but sometimes more – on every purchase. Compare these deals, from our partners, to find the one for you.
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Nerdwallet's 4 Excellent Cash Back Credit Cards of 2023
- Chase Freedom Unlimited®: Best for Cash-Back Pairing with Chase Sapphire Preferred®
- Wells Fargo Active Cash® Card: Best for Cash back — high flat rate + incentives
- Capital One SavorOne Cash Rewards Credit Card: Best for Dining and Groceries + No Annual Fee
- Citi Custom Cash℠ Card: Best for Lucrative rewards for everyday spending
Excellent Cash Back Credit Cards From Our Partners
| Credit Card | NerdWallet rating | Annual Fee | Intro APR | Regular APR | Learn More |
|---|---|---|---|---|---|
| Excellent for Cash-Back Pairing with Chase Sapphire Preferred® | $0 | 0% intro APR for 15 months on purchases and balance transfers | 19.49%-28.24% Variable APR | Apply Nowon Chase's website | |
| Excellent for Cash back — high flat rate + incentives | $0 | 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers | 19.74%, 24.74%, or 29.74% Variable APR | Apply Nowon Wells Fargo's website Rates & Fees | |
| Excellent for Dining and Groceries + No Annual Fee | $0 | 0% intro APR for 15 months on purchases and balance transfers | 19.74%-29.74% Variable APR | Apply Nowon Capital One's website | |
| Excellent for Lucrative rewards for everyday spending | $0 | 0% intro APR on Purchases and Balance Transfers for 15 months | 18.74%-28.74% Variable APR | Apply Nowon Citibank's application |
Excellent for
Cash-Back Pairing with Chase Sapphire Preferred®
Apply Nowon Chase's website
Annual Fee$0
Intro APR0% intro APR for 15 months on purchases and balance transfers
Regular APR19.49%-28.24% Variable APR
Recommended Credit Score
- 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 19.49% - 28.24%.
- 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, real-time alerts, and more.
Apply Nowon Chase's website
Excellent for
Cash back — high flat rate + incentives
Apply Nowon Wells Fargo's website
Rates & FeesAnnual Fee$0
Intro APR0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
Regular APR19.74%, 24.74%, or 29.74% Variable APR
Recommended Credit Score
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select "Apply Now" to learn more about the product features, terms and conditions
- View Rates & Fees
Apply Nowon Wells Fargo's website
Excellent for
Dining and Groceries + No Annual Fee
Apply Nowon Capital One's website
Annual Fee$0
Intro APR0% intro APR for 15 months on purchases and balance transfers
Regular APR19.74%-29.74% Variable APR
Recommended Credit Score
- 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; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Apply Nowon Capital One's website
Excellent for
Lucrative rewards for everyday spending
Apply Nowon Citibank's application
Annual Fee$0
Intro APR0% intro APR on Purchases and Balance Transfers for 15 months
Regular APR18.74%-28.74% Variable APR
Recommended Credit Score
- 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 18.74% - 28.74%, 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.
- 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.
Apply Nowon Citibank's application
