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7 Excellent Cash Back Credit Cards of 2022

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.

NerdWallet's Excellent Cash Back Credit Cards of 2022

Excellent Cash Back Credit Cards From Our Partners

Excellent for

Cash Back That You Can Customize

U.S. Bank Cash+™ Visa Signature® Card

4.3

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Intro APR

0% intro APR for 15 billing cycles on purchases and balance transfers

Regular APR

13.99%-23.99% Variable APR

Recommended Credit Score
  • New! $200 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 Travel Center.

  • 2% cash back on one everyday category, like Gas Stations/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 13.99% - 23.99%.

  • No Annual Fee.

  • Terms and conditions apply.

  • View Rates & Fees
Apply Now

on US Bank's website

  • New! $200 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 Travel Center.

  • 2% cash back on one everyday category, like Gas Stations/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 13.99% - 23.99%.

  • No Annual Fee.

  • Terms and conditions apply.

  • View Rates & Fees
Apply Now

on US Bank's website

Pros

  • No annual fee

  • Bonus categories

  • High rewards rate

Cons

  • Complicated rewards

Read full review

Excellent for

Everyday Spending

Blue Cash Preferred® Card from American Express

5.0

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$0 intro for the first year, then $95

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

13.99%-23.99% Variable APR

Recommended Credit Score
  • Earn a $300 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 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each 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% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%

  • 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 and 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.

  • Terms Apply.

  • View Rates & Fees
Apply Now

on American Express's website

Pros

  • High rewards rate

  • Bonus categories

  • Intro APR period

  • Cash rewards

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Spending caps on bonus rewards

Read full review

Excellent for

Cash back — high flat rate + incentives

Wells Fargo Active Cash℠ Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Intro APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Regular APR

14.99%-24.99% 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 14.99% to 24.99% 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 category restrictions or sign ups 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 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card

  • Select “Apply Now” to learn more about the product features, terms and conditions

  • View Rates & Fees
Apply Now

on Wells Fargo's website

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus categories

Read full review

Excellent for

Dining and groceries + no annual fee

Capital One SavorOne Cash Rewards Credit Card

5.0

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

14.99%-24.99% 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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023

  • 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; 14.99% - 24.99% variable APR after that

  • No foreign transaction fee

  • No annual fee

Apply Now

on Capital One's website

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • No foreign transaction fees

Cons

  • Requires good/excellent credit

Read full review

Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

14.99%-23.74% 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 14.99% - 23.74%.

  • 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 Now

on Chase's website

Pros

  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons

  • Requires good/excellent credit

Read full review

Excellent for

Bonus Categories and First Year Cashback Match

Discover it® Cash Back

4.9

NerdWallet rating 
Apply now

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

Annual fee

$0

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Regular APR

11.99%-22.99% Variable APR

Recommended Credit Score
  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

  • Plus, earn unlimited 1% cash back on all other purchases - automatically.

  • Redeem cash back in any amount, any time. Rewards never expire.

  • Use your rewards at Amazon.com checkout.

  • No annual fee.

  • Discover is accepted nationwide by 99% of the places that take credit cards.

  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

  • View Rates & Fees
Apply Now

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

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Requires good/excellent credit

Read full review

Excellent for

Lucrative rewards for everyday spending

Citi Custom Cash℠ Card

4.7

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

0% intro APR on Purchases and Balance Transfers for 15 months

Regular APR

13.99%-23.99% Variable APR

Recommended Credit Score
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 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 13.99% - 23.99%, 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 Now

on Citibank's application

Pros

  • No annual fee

  • 5% bonus categories

  • Intro APR Period

Cons

  • Low rate outside bonus categories

  • Requires good/excellent credit

Read full review