The Best Cash Back Credit Cards of July 2021

The Best Cash Back Credit Cards of July 2021

The Citi® Double Cash Card – 18 month BT offer is one of the best options for consumers. That's because it earns the same high rate of cash back on every purchase.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner

Best cashback credit cards 2021

Best for business

Capital One Spark Cash for Business

  • On Capital One's Secure Website

Best 1.5% cash back

Chase Freedom Unlimited®

  • On Chase's Secure Website

Best flat rate

Citi® Double Cash Card – 18 month BT offer

  • On Citibank's Secure Website

Cashback credit cards let consumers earn a percentage of rewards for every dollar they spend, and they often come with other perks and consumer protections.

If you’re wondering whether cashback credit cards are worth it, consider whether you typically spend more than it costs to own a particular cashback card and if you want easy rewards on purchases in your most advantageous spending categories. If you answer yes, then cashback credit cards can certainly be worth it.

Since the rewards are valuable and typically easy to redeem, cashback cards are one of the most popular types of credit cards.

Which cashback credit card is best for your needs? That typically depends on the categories you spend the most in, which cardholder perks you prefer and whether you're willing to pay an annual fee. We highlight the top cashback credit cards of 2021 below.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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Best cashback credit card for business

Capital One Spark Cash for Business

  • On Capital One's Secure Website

$0 intro for first year; $95 after that

20.99% (Variable)

Excellent/Good

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

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Our thoughts

There’s a lot to love about the Capital One Spark Cash for Business, and this includes the $500 in bonus cash you can earn. Beyond the initial rewards, we also love that this Capital One cash back card lets you rack up an unlimited 2% Cash Back for your business on every purchase, everywhere for each dollar you spend. Not only is this a generous rewards rate, but you don't have to worry about bonus categories or earning caps.

You also get employee cards at no cost, so you can earn cash back each time one of your employees makes a business-related purchase. In terms of redemption options, you get the flexibility of being able to cash in your points at any time and in any amount.

  • Additional cardholder benefits include roadside assistance, None foreign transaction fees, purchase protection against damage or theft and extended warranties.
  • Earn a flat 2% Cash Back for your business on every purchase, everywhere with no spending limit, plus a generous $500 in bonus cash.
  • Redeem your rewards at any time and in any increments you want.
  • This card is light on cardholder perks.
  • An annual fee of $0 intro for first year; $95 after that.
  • The ongoing APR is high, making this card a poor choice if you plan to carry a balance.
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$95 after that\",\"apr\":\"20.99% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions\\u003C\\\/li\\u003E\\u003Cli\\u003EPurchase above your credit limit with no hassle and no over-limit fees\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 annual fee for the first year; $95 after that\\u003C\\\/li\\u003E\\u003Cli\\u003EFree employee cards, which also earn unlimited 2% cash back on all purchases\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 Fraud Liability if your card is lost or stolen\\u003C\\\/li\\u003E\\u003Cli\\u003ERewards won't expire for the life of the account, and you can redeem your cash back for any amount\\u003C\\\/li\\u003E\\u003Cli\\u003ENo foreign transaction fees\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Business\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4224.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/416?url=_best-cash-back-credit-cards\",\"name\":\"Capital One Spark Cash for Business\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThere\u2019s a lot to love about the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Spark Cash for Business: 2% Cash Back All The Time\" href=\"https:\/\/www.valuepenguin.com\/capital-one-spark-cash-credit-card\"\u003ECapital One Spark Cash for Business\u003C\/a\u003E\u003C\/span\u003E, and this includes the $500 in bonus cash you can earn. Beyond the initial rewards, we also love that this Capital One cash back card lets you rack up an unlimited 2% Cash Back for your business on every purchase, everywhere for each dollar you spend. Not only is this a generous rewards rate, but you don't have to worry about bonus categories or earning caps.\u003C\/p\u003E\n\n\u003Cp\u003EYou also get employee cards at no cost, so you can earn cash back each time one of your employees makes a business-related purchase. In terms of redemption options, you get the flexibility of being able to cash in your points at any time and in any amount.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Additional cardholder benefits include roadside assistance, None foreign transaction fees, purchase protection against damage or theft and extended warranties.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a flat 2% Cash Back for your business on every purchase, everywhere with no spending limit, plus a generous $500 in bonus cash.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Redeem your rewards at any time and in any increments you want.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card is light on cardholder perks.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n An annual fee of $0 intro for first year; $95 after that.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The ongoing APR is high, making this card a poor choice if you plan to carry a balance.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card for gas

Bank of America® Cash Rewards Credit Card

$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

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Our thoughts

The Bank of America® Cash Rewards Credit Card is unique in that you can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. For your 3% category, choose from gas, online shopping, dining, travel, drug stores or home improvement and furnishings.

We like that this card doesn’t come with an annual fee. Also note that you can redeem your cash back in any amount in the form of statement credits or deposits into a Bank of America account or a Merrill account.

  • 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.
  • You can change your 3% category each month online or through the mobile app.
  • Intro APR of 0% for 15 billing cycles for purchases and 0% for 15 billing cycles for balance transfers followed by an APR of 13.99% - 23.99% Variable APR; balance transfers must be initiated within 60 days of account opening to qualify for the introductory rate.
  • $0 annual fee.
  • Bank of America Preferred Rewards members can earn an additional 25% to 75% in rewards with their card.
  • Rewards in 3% and 2% categories are limited to the first $2,500 in combined spending in those categories each quarter.
  • This card doesn’t come with many meaningful cardholder benefits.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Bank\"\u003EBank of America\u00ae Cash Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bank of America Cash Rewards card\" href=\"https:\/\/www.valuepenguin.com\/bank-america-cash-rewards-credit-card\"\u003EBank of America\u00ae Cash Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E is unique in that you can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. For your 3% category, choose from gas, online shopping, dining, travel, drug stores or home improvement and furnishings.\u003C\/p\u003E\n\n\u003Cp\u003EWe like that this card doesn\u2019t come with an annual fee. Also note that you can redeem your cash back in any amount in the form of statement credits or deposits into a Bank of America account or a Merrill account.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You can change your 3% category each month online or through the mobile app.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro APR of 0% for 15 billing cycles for purchases and 0% for 15 billing cycles for balance transfers followed by an APR of 13.99% - 23.99% Variable APR; balance transfers must be initiated within 60 days of account opening to qualify for the introductory rate.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bank of America Preferred Rewards Program Guide: Maximizing Your Banking Relationship and Credit Card Spending\" href=\"https:\/\/www.valuepenguin.com\/bank-america-preferred-rewards-program\"\u003EBank of America Preferred Rewards\u003C\/a\u003E\u003C\/span\u003E members can earn an additional 25% to 75% in rewards with their card.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rewards in 3% and 2% categories are limited to the first $2,500 in combined spending in those categories each quarter.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card doesn\u2019t come with many meaningful cardholder benefits.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card for fair credit

Petal® 2 Cash Back, No Fees Visa® Credit Card

  • On Petal's Secure Website

$0

Variable APRs between 12.99% - 26.99%

Limited/Average/Good

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • Between 2% - 10% cash back from select merchants
  • $500 - $10,000 credit limits
  • Variable APRs 12.99% - 26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

Our thoughts

The Petal® 2 Cash Back, No Fees Visa® Credit Card is geared to consumers with fair credit, yet it is free of burdensome fees many credit cards in this category charge. You’ll also earn flat-rate rewards with this card that increases as you make on-time payments. You’ll Earn 1% cash back on eligible purchases right away, and between 2% to 10% cash back from select merchants. We love the fact you won’t pay an annual fee on this card, and you can also utilize the card’s mobile app to monitor your spending and payments.

  • Earn 1% cash back on eligible purchases right away, and between 2% to 10% cash back from select merchants
  • $0 annual fee, no late fees and no hidden fees.
  • Qualify for a line of credit between $500 and $10,000.
  • Qualify with fair credit, limited credit and no credit history.
  • No traditional sign-up bonus.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Petal\"\u003EPetal\u00ae 2 Cash Back, No Fees Visa\u00ae Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EFair credit\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1544?url=_best-cash-back-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Petal\u00ae 2 Cash Back, No Fees Visa\u00ae Credit Card\"\u003E\u003Cimg alt=\"Petal\u00ae 2 Cash Back, No Fees Visa\u00ae Credit Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4518.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1544?url=_best-cash-back-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Petal's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EVariable APRs between 12.99% - 26.99%\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003ELimited\/Average\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":60,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003ENo fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.\u003C\/li\u003E\u003Cli\u003EUp to 1.5% cash back after making 12 on-time monthly payments\u003C\/li\u003E\u003Cli\u003E1% cash back on eligible purchases right away\u003C\/li\u003E\u003Cli\u003EBetween 2% - 10% cash back from select merchants\u003C\/li\u003E\u003Cli\u003E$500 - $10,000 credit limits\u003C\/li\u003E\u003Cli\u003EVariable APRs 12.99% - 26.99%\u003C\/li\u003E\u003Cli\u003EBuild credit alongside tens of thousands of Petal Card members\u003C\/li\u003E\u003Cli\u003ECash flow technology may help applicants without credit history get approved\u003C\/li\u003E\u003Cli\u003EPetal's mobile app makes it easy to manage your money, track your spending, and automate payments\u003C\/li\u003E\u003Cli\u003ESee if you're pre-approved within minutes without impacting your credit score\u003C\/li\u003E\u003Cli\u003EPetal reports to all 3 major credit bureaus\u003C\/li\u003E\u003Cli\u003ENo deposits required\u003C\/li\u003E\u003Cli\u003ECard issued by WebBank, Member FDIC\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"Variable APRs between 12.99% - 26.99%\",\"bannerDisclaimers\":[\"On Petal's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Limited\\\/Average\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ENo fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.\\u003C\\\/li\\u003E\\u003Cli\\u003EUp to 1.5% cash back after making 12 on-time monthly payments\\u003C\\\/li\\u003E\\u003Cli\\u003E1% cash back on eligible purchases right away\\u003C\\\/li\\u003E\\u003Cli\\u003EBetween 2% - 10% cash back from select merchants\\u003C\\\/li\\u003E\\u003Cli\\u003E$500 - $10,000 credit limits\\u003C\\\/li\\u003E\\u003Cli\\u003EVariable APRs 12.99% - 26.99%\\u003C\\\/li\\u003E\\u003Cli\\u003EBuild credit alongside tens of thousands of Petal Card members\\u003C\\\/li\\u003E\\u003Cli\\u003ECash flow technology may help applicants without credit history get approved\\u003C\\\/li\\u003E\\u003Cli\\u003EPetal's mobile app makes it easy to manage your money, track your spending, and automate payments\\u003C\\\/li\\u003E\\u003Cli\\u003ESee if you're pre-approved within minutes without impacting your credit score\\u003C\\\/li\\u003E\\u003Cli\\u003EPetal reports to all 3 major credit bureaus\\u003C\\\/li\\u003E\\u003Cli\\u003ENo deposits required\\u003C\\\/li\\u003E\\u003Cli\\u003ECard issued by WebBank, Member FDIC\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":60,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Fair credit\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4518.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1544?url=_best-cash-back-credit-cards\",\"name\":\"Petal\\u00ae 2 Cash Back, No Fees Visa\\u00ae Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Petal 2 Visa\" href=\"https:\/\/www.valuepenguin.com\/petal-visa-credit-card\"\u003EPetal\u00ae 2 Cash Back, No Fees Visa\u00ae Credit Card\u003C\/a\u003E\u003C\/span\u003E is geared to consumers with fair credit, yet it is free of burdensome fees many credit cards in this category charge. You\u2019ll also earn flat-rate rewards with this card that increases as you make on-time payments. You\u2019ll Earn 1% cash back on eligible purchases right away, and between 2% to 10% cash back from select merchants. We love the fact you won\u2019t pay an annual fee on this card, and you can also utilize the card\u2019s mobile app to monitor your spending and payments.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 1% cash back on eligible purchases right away, and between 2% to 10% cash back from select merchants\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee, no late fees and no hidden fees.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Qualify for a line of credit between $500 and $10,000.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Qualify with fair credit, limited credit and no credit history.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No traditional sign-up bonus.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card for poor, bad or limited credit

Discover it® Secured Credit Card

For new cardmembers, 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. Just a dollar-for-dollar match.

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Our thoughts

The Discover it® Secured Credit Card is the rare card available to consumers with Limited/Bad/Poor credit that offers both a good cash rewards program. You’ll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically. Discover will even double all the rewards you earn after the first year for new cardmembers.

The Discover it® Secured Credit Card is a secured credit card, meaning you have to put down a cash deposit to secure your line of credit. Generally speaking, the line of credit you secure will be the same as your deposit, so putting down $500 up front when you apply for the card would qualify you for a $500 line of credit.

While securing your line of credit with cash may not seem ideal, a secured card is considerably easier to qualify for and use to build better credit over time. And, once your credit line is secured, you don't have to worry about paying an annual fee to maintain your account.

  • Easy approvals, even if you have Limited/Bad/Poor credit.
  • Free FICO® credit score on your monthly statement.
  • You’ll have to secure your line of credit with a cash deposit.
  • Bonus rewards in the 2% category are limited to $1,000 in spending each quarter.
  • No traditional credit card sign-up bonus.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Discover\"\u003EDiscover it\u00ae Secured Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFor new cardmembers, 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. Just a dollar-for-dollar match. \n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EFor new cardmembers, 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. Just a dollar-for-dollar match. \\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Discover it\u00ae Secured Credit Card Review: Is It a Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-secured-credit-card\"\u003EDiscover it\u00ae Secured Credit Card\u003C\/a\u003E\u003C\/span\u003E is the rare card available to consumers with Limited\/Bad\/Poor credit that offers both a good cash rewards program. You\u2019ll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically. Discover will even double all the rewards you earn after the first year for new cardmembers.\u003C\/p\u003E\n\n\u003Cp\u003EThe Discover it\u00ae Secured Credit Card is a secured credit card, meaning you have to put down a cash deposit to secure your line of credit. Generally speaking, the line of credit you secure will be the same as your deposit, so putting down $500 up front when you apply for the card would qualify you for a $500 line of credit.\u003C\/p\u003E\n\n\u003Cp\u003EWhile securing your line of credit with cash may not seem ideal, a secured card is considerably easier to qualify for and use to build better credit over time. And, once your credit line is secured, you don't have to worry about paying an annual fee to maintain your account.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Easy approvals, even if you have Limited\/Bad\/Poor credit.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free FICO\u00ae credit score on your monthly statement.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You\u2019ll have to secure your line of credit with a cash deposit.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Bonus rewards in the 2% category are limited to $1,000 in spending each quarter.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No traditional credit card sign-up bonus.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best 1.5% cashback credit card

Chase Freedom Unlimited®

  • On Chase's Secure Website

$0

14.99% - 23.74% Variable

Excellent/Good

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

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Our thoughts

When it comes to cashback credit cards that offer 1.5% back, it’s hard to beat the Chase Freedom Unlimited®. Not only can you earn a generous sign-up bonus, but you Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. With this Chase cashback card, you won’t have to pay an annual fee and you can save money on interest since you get a 0% Intro APR for 15 months for new purchases (14.99% - 23.74% Variable thereafter).

Because this card lets you earn points in the Chase Ultimate Rewards® program, you can redeem your points for statement credits, gift cards, merchandise, travel and more.

  • Save money with a 0% Intro APR for 15 months on new purchases (14.99% - 23.74% Variable APR thereafter).
  • Earn a flat rate of 1.5% cash back on most purchases, along with bonus rewards for certain purchases, with a $0 annual fee.
  • Major cardholder benefits include purchase protection against damage or theft and extended warranties.
  • Limited-time offers. Unique partner benefits, including a free three months subscription for DoorDash DashPass (activate by Dec. 31, 2021) and earn 5% cash back on Lyft rides until March 2022.
  • Coronavirus updates. Until Dec. 31, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.25 cents per point redeemed for statement credits on donations to eligible charities.
  • No bonus categories to let you earn more rewards.
  • Charges a foreign transaction fee of 3% of each transaction in U.S. dollars when you make purchases overseas.
  • Some flat-rate cashback credit cards (see the Citi® Double Cash Card – 18 month BT offer below) offer a higher rewards rate.
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23.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\u003C\/li\u003E\u003Cli\u003EEarn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\u003C\/li\u003E\u003Cli\u003EEarn unlimited 1.5% cash back on all other purchases.\u003C\/li\u003E\u003Cli\u003EEarn 5% on Chase travel purchased through Ultimate Rewards\u00ae, 3% on dining and drugstores, and 1.5% on all other purchases.\u003C\/li\u003E\u003Cli\u003ENo annual fee.\u003C\/li\u003E\u003Cli\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\u003C\/li\u003E\u003Cli\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.99% - 23.74% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% cash back on grocery store purchases (not including Target\\u00ae or Walmart\\u00ae purchases) on up to $12,000 spent in the first year.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 1.5% cash back on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% on Chase travel purchased through Ultimate Rewards\\u00ae, 3% on dining and drugstores, and 1.5% on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"1.5% cash back\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4282.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/990?url=_best-cash-back-credit-cards\",\"name\":\"Chase Freedom Unlimited\\u00ae\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target\\u00ae or Walmart\\u00ae purchases) on up to $12,000 spent in the first year.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EWhen it comes to cashback credit cards that offer 1.5% back, it\u2019s hard to beat the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Freedom Unlimited Review: Is It A Top Cashback Card Contender?\" href=\"https:\/\/www.valuepenguin.com\/chase-freedom-unlimited-credit-card\"\u003EChase Freedom Unlimited\u00ae\u003C\/a\u003E\u003C\/span\u003E. Not only can you earn a generous sign-up bonus, but you Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. With this Chase cashback card, you won\u2019t have to pay an annual fee and you can save money on interest since you get a 0% Intro APR for 15 months for new purchases (14.99% - 23.74% Variable thereafter).\u003C\/p\u003E\n\n\u003Cp\u003EBecause this card lets you earn points in the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: We Break Down How They Work\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E program, you can redeem your points for statement credits, gift cards, merchandise, travel and more.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Save money with a 0% Intro APR for 15 months on new purchases (14.99% - 23.74% Variable APR thereafter).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a flat rate of 1.5% cash back on most purchases, along with bonus rewards for certain purchases, with a $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Major cardholder benefits include purchase protection against damage or theft and extended warranties.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELimited-time offers\u003C\/strong\u003E. Unique partner benefits, including a free three months subscription for DoorDash DashPass (activate by Dec. 31, 2021) and earn 5% cash back on Lyft rides until March 2022.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECoronavirus updates\u003C\/strong\u003E. Until Dec. 31, 2021, cardholders can use the \"Pay Yourself Back\" feature to get 1.25 cents per point redeemed for statement credits on donations to eligible charities.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No bonus categories to let you earn more rewards.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Charges a foreign transaction fee of 3% of each transaction in U.S. dollars when you make purchases overseas.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Some flat-rate cashback credit cards (see the Citi\u00ae Double Cash Card \u2013 18 month BT offer below) offer a higher rewards rate.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best flat-rate cashback card

Citi® Double Cash Card – 18 month BT offer

  • On Citibank's Secure Website

$0

13.99% – 23.99% (Variable)

Excellent/Good

  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

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Our thoughts

The Citi® Double Cash Card – 18 month BT offer is one of the highest earning flat-rate of cashback cards. You’ll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Though this Citi cashback card doesn't offer any kind of sign-up bonus, the card’s 2% cash back rate makes up for the lack of a bonus over time.

The card doesn’t have any meaningful cardholder benefits, but you won’t pay an annual fee. With that being said, you can save money with its balance transfer offer. Once you sign up, you'll get an intro APR of 0% for 18 months on Balance Transfers, followed by an APR of 13.99% – 23.99% (Variable).

  • One of the highest rewards rates among flat-rate cashback credit cards.
  • $0 annual fee.
  • Intro 0% balance transfer offer can help you save money.
  • This card has few meaningful cardholder benefits.
  • It doesn't offer a sign-up bonus.
  • You can only redeem rewards for statement credits, direct deposit or a check.
  • You don't earn the second 1% back until you pay for your purchases.
  • High ongoing APR for purchases depletes rewards value if you carry a balance.
  • Charges a foreign transaction fee of 3%.
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class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99% \u2013 23.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/li\u003E\u003Cli\u003ETo earn cash back, pay at least the minimum due on time.\u003C\/li\u003E\u003Cli\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \u2013 23.99%, based on your creditworthiness.\u003C\/li\u003E\u003Cli\u003EBalance Transfers do not earn cash back.\u003C\/li\u003E\u003Cli\u003EIf 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.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.99% \u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.99% \\u2013 23.99% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ETo earn cash back, pay at least the minimum due on time.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \\u2013 23.99%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfers do not earn cash back.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf 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.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.99% \\u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Flat-rate cash back\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-cash-back-credit-cards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E is one of the highest earning flat-rate of cashback cards. You\u2019ll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Though this Citi cashback card doesn't offer any kind of sign-up bonus, the card\u2019s 2% cash back rate makes up for the lack of a bonus over time.\u003C\/p\u003E\n\n\u003Cp\u003EThe card doesn\u2019t have any meaningful cardholder benefits, but you won\u2019t pay an annual fee. With that being said, you can save money with its balance transfer offer. Once you sign up, you'll get an intro APR of 0% for 18 months on Balance Transfers, followed by an APR of 13.99% \u2013 23.99% (Variable).\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n One of the highest rewards rates among flat-rate cashback credit cards.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro 0% balance transfer offer can help you save money.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card has few meaningful cardholder benefits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n It doesn't offer a sign-up bonus.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You can only redeem rewards for statement credits, direct deposit or a check.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You don't earn the second 1% back until you pay for your purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High ongoing APR for purchases depletes rewards value if you carry a balance.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Charges a foreign transaction fee of 3%.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card for groceries

Blue Cash Preferred® Card from American Express

$0 introductory annual fee for the first year, then $95

13.99%-23.99% Variable

Excellent/Good

  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 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.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

$150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.

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Our thoughts

The Blue Cash Preferred® Card from American Express easily has one of the best cashback credit card offers for groceries purchases at U.S. supermarkets, since you earn 6% back on up to $6,000 spent each year (then 1%) in this category. If you max out your rewards by spending $500 per month on groceries each year, you could earn $360 per year in cash back in this category alone.

The card also offers rewards in other categories: 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. Terms apply. Rewards are easily redeemable for statement credits toward your purchases.

If your goal is saving money on interest for a limited time, the card offers an intro APR of 0% on purchases for 12 months followed by an APR of 13.99%-23.99% Variable.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.

  • 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. Terms apply.
  • Generous welcome bonus.
  • A $0 introductory annual fee for the first year, then $95 annual fee applies.
  • 6% category is only for U.S. grocery stores, and a $6,000 annual limit applies, then you earn 1%.
  • You can only redeem your rewards for statement credits.
  • Charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
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class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/495?url=_best-cash-back-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Blue Cash Preferred\u00ae Card from American Express\"\u003E\u003Cimg alt=\"Blue Cash Preferred\u00ae Card from American Express\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4327.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/495?url=_best-cash-back-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0 introductory annual fee for the first year, then $95\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.99%-23.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":76,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.\u003C\/li\u003E\u003Cli\u003EPlus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.\u003C\/li\u003E\u003Cli\u003E$0 intro annual fee for the first year, then $95.\u003C\/li\u003E\u003Cli\u003E6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).\u003C\/li\u003E\u003Cli\u003E6% Cash Back on select U.S. streaming subscriptions.\u003C\/li\u003E\u003Cli\u003E3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more).\u003C\/li\u003E\u003Cli\u003E1% Cash Back on other purchases.\u003C\/li\u003E\u003Cli\u003ELow intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%\u003C\/li\u003E\u003Cli\u003EPlan It\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\u003C\/li\u003E\u003Cli\u003ECash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0 introductory annual fee for the first year, then $95\",\"apr\":\"13.99%-23.99% Variable\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/blue-cash-preferred-credit-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.\\u003C\\\/li\\u003E\\u003Cli\\u003EPlus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 intro annual fee for the first year, then $95.\\u003C\\\/li\\u003E\\u003Cli\\u003E6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).\\u003C\\\/li\\u003E\\u003Cli\\u003E6% Cash Back on select U.S. streaming subscriptions.\\u003C\\\/li\\u003E\\u003Cli\\u003E3% Cash Back at U.S. gas stations and on transit (including taxis\\\/rideshare, parking, tolls, trains, buses and more).\\u003C\\\/li\\u003E\\u003Cli\\u003E1% Cash Back on other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ELow intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%\\u003C\\\/li\\u003E\\u003Cli\\u003EPlan It\\u00ae gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.\\u003C\\\/li\\u003E\\u003Cli\\u003ECash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":76,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Groceries\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4327.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/495?url=_best-cash-back-credit-cards\",\"name\":\"Blue Cash Preferred\\u00ae Card from American Express\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E$150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E$150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Preferred from American Express Card: Big Cash Back, Small Annual Fee\" href=\"https:\/\/www.valuepenguin.com\/blue-cash-preferred-card\"\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/a\u003E\u003C\/span\u003E easily has one of the best cashback credit card offers \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Credit Cards for Groceries 2021\" href=\"https:\/\/www.valuepenguin.com\/best-grocery-credit-cards\"\u003Efor groceries purchases\u003C\/a\u003E\u003C\/span\u003E at U.S. supermarkets, since you earn 6% back on up to $6,000 spent each year (then 1%) in this category. If you max out your rewards by spending $500 per month on groceries each year, you could earn $360 per year in cash back in this category alone.\u003C\/p\u003E\n\n\u003Cp\u003EThe card also offers rewards in other categories: 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. Terms apply. Rewards are easily redeemable for statement credits toward your purchases.\u003C\/p\u003E\n\n\u003Cp\u003EIf your goal is saving money on interest for a limited time, the card offers an intro APR of 0% on purchases for 12 months followed by an APR of 13.99%-23.99% Variable.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of Blue Cash Preferred\u00ae Card from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 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. Terms apply.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous welcome bonus.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A $0 introductory annual fee for the first year, then $95 annual fee applies.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 6% category is only for U.S. grocery stores, and a $6,000 annual limit applies, then you earn 1%.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You can only redeem your rewards for statement credits.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card with rotating categories

Discover it® Cash Back

For new cardmembers, 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.

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Our thoughts

The Discover it® Cash Back is popular among consumers who want to earn bonus rewards in categories that change over time. This card lets you 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, 1% unlimited cash back on all other purchases - automatically. For 2021, Discover bonus categories are as follows:

  • January-March: Grocery stores, Walgreens and CVS
  • April-June: Gas stations, select streaming services and wholesale clubs
  • July-September: Restaurants and PayPal
  • October-December: Amazon.com, Target.com and Walmart.com

While this card doesn’t come with a traditional bonus, Discover will double all the rewards you earn the first year through their Cashback Match program. This makes the card one of the most rewarding cashback credit cards for its first year.

  • 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, 1% unlimited cash back on all other purchases - automatically
  • 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.
  • You only earn 5% back on up to $1,500 in quarterly bonus categories, which limits your rewards potential. Purchases outside its bonus categories only earn 1% cash back.
  • You have to remember to enroll in the categories each quarter to earn 5% cash back.
  • No traditional sign-up bonus.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"it\"\u003EDiscover it\u00ae Cash Back\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFor new cardmembers, 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. \n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EFor new cardmembers, 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. \\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Discover it\u00ae Cash Back Credit Card Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-credit-card\"\u003EDiscover it\u00ae Cash Back\u003C\/a\u003E\u003C\/span\u003E is popular among consumers who want to earn bonus rewards in categories that change over time. This card lets you 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, 1% unlimited cash back on all other purchases - automatically. For 2021, Discover bonus categories are as follows:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n January-March: Grocery stores, Walgreens and CVS\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n April-June: Gas stations, select streaming services and wholesale clubs\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n July-September: Restaurants and PayPal\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n October-December: Amazon.com, Target.com and Walmart.com\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EWhile this card doesn\u2019t come with a traditional bonus, Discover will double all the rewards you earn the first year through their Cashback Match program. This makes the card one of the most rewarding cashback credit cards for its first year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 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, 1% unlimited cash back on all other purchases - automatically\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 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.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You only earn 5% back on up to $1,500 in quarterly bonus categories, which limits your rewards potential. Purchases outside its bonus categories only earn 1% cash back.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You have to remember to enroll in the categories each quarter to earn 5% cash back.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No traditional sign-up bonus.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card for dining out

Capital One® Savor® Cash Rewards Credit Card

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

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Our thoughts

If you spend a lot of money on dining each month, the Capital One® Savor® Cash Rewards Credit Card is hard to beat. Cardholders Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores. The rewards you can earn with this card are unlimited, too.

You'll have to pay an annual fee of $95, but you don't have to worry about a foreign transaction fee when making purchases overseas because there is a 0% foreign transaction fee. You also get the benefit of being able to redeem your rewards for cash back in any amount or for purchases on Amazon.com.

  • Earn unlimited rewards, including 4% back on dining and entertainment.
  • Generous bonus offer.
  • Qualify for extended warranties, travel accident insurance, complimentary concierge service and more.
  • Foreign transaction fee of 0%.
  • Only earn 1% back on non-bonus spending.
  • You'll have to pay an annual fee of $95.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"One\"\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you spend a lot of money on dining each month, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Savor Cash Rewards Credit Card Review: Is It Worth Applying?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-savor-rewards-credit-card\"\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E is hard to beat. Cardholders Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores. The rewards you can earn with this card are unlimited, too.\u003C\/p\u003E\n\n\u003Cp\u003EYou'll have to pay an annual fee of $95, but you don't have to worry about a foreign transaction fee when making purchases overseas because there is a 0% foreign transaction fee. You also get the benefit of being able to redeem your rewards for cash back in any amount or for purchases on Amazon.com.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn unlimited rewards, including 4% back on dining and entertainment.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous bonus offer.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Qualify for extended warranties, travel accident insurance, complimentary concierge service and more.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fee of 0%.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Only earn 1% back on non-bonus spending.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You'll have to pay an annual fee of $95.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card with a 0% intro APR

Chase Freedom Flex℠

  • On Chase's Secure Website

$0

14.99% - 23.74% Variable

Excellent/Good

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

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Our thoughts

The Chase Freedom Flex℠ is another card in this niche that lets you earn 5% back in categories that rotate each quarter. You’ll Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.

This card also gives you a long 0% Intro APR on Purchases for 15 months, followed by an APR of 14.99% - 23.74% Variable. This could save a significant amount of interest if you want to make a large purchase and pay it down over time.

  • Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.
  • Get a 0% Intro APR on Purchases for 15 months (followed by an APR of 14.99% - 23.74% Variable).
  • Earn rewards with $0 annual fee.
  • Qualify for purchase protection against damage or theft, extended warranties, zero liability protection and more.
  • Limited-time offers. Unique partner benefits, including a free three months subscription for DoorDash DashPass (activate by Dec. 31, 2021) and earn 5% cash back on Lyft rides until March 2022.
  • Rotating bonus categories are capped at $1,500 in purchases per quarter.
  • You have to remember to enroll in the categories each quarter to earn 5% cash back.
  • Intro 0% APR offer doesn’t apply to balance transfers.
  • Charges a foreign transaction fee of 3% of each transaction in U.S. dollars.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Freedom\"\u003EChase Freedom Flex℠\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003E0% intro APR\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1311?url=_best-cash-back-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Chase Freedom Flex\u2120\"\u003E\u003Cimg alt=\"Chase Freedom Flex\u2120\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4572.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1311?url=_best-cash-back-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E14.99% - 23.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\u003C\/li\u003E\u003Cli\u003EEarn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\u003C\/li\u003E\u003Cli\u003EEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!\u003C\/li\u003E\u003Cli\u003EEarn 5% on Chase travel purchased through Ultimate Rewards\u00ae, 3% on dining and drugstores, and 1% on all other purchases.\u003C\/li\u003E\u003Cli\u003ENo annual fee.\u003C\/li\u003E\u003Cli\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\u003C\/li\u003E\u003Cli\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.99% - 23.74% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% cash back on grocery store purchases (not including Target\\u00ae or Walmart\\u00ae purchases) on up to $12,000 spent in the first year.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% on Chase travel purchased through Ultimate Rewards\\u00ae, 3% on dining and drugstores, and 1% on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"0% intro APR\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4572.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1311?url=_best-cash-back-credit-cards\",\"name\":\"Chase Freedom Flex\\u2120\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target\\u00ae or Walmart\\u00ae purchases) on up to $12,000 spent in the first year.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Freedom Flex: Why This New Card Is a No-Brainer\" href=\"https:\/\/www.valuepenguin.com\/chase-freedom-flex-card\"\u003EChase Freedom Flex℠\u003C\/a\u003E\u003C\/span\u003E is another card in this niche that lets you earn 5% back in \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Cash Back Calendar 2021: Q2 Categories Include Gas Stations and Home Improvement Stores\" href=\"https:\/\/www.valuepenguin.com\/credit-cards\/chase-cash-back-calendar\"\u003Ecategories that rotate each quarter\u003C\/a\u003E\u003C\/span\u003E. You\u2019ll Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.\u003C\/p\u003E\n\n\u003Cp\u003EThis card also gives you a long 0% Intro APR on Purchases for 15 months, followed by an APR of 14.99% - 23.74% Variable. This could save a significant amount of interest if you want to make a large purchase and pay it down over time.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get a 0% Intro APR on Purchases for 15 months (followed by an APR of 14.99% - 23.74% Variable).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn rewards with $0 annual fee.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Qualify for purchase protection against damage or theft, extended warranties, zero liability protection and more.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELimited-time offers\u003C\/strong\u003E. Unique partner benefits, including a free three months subscription for DoorDash DashPass (activate by Dec. 31, 2021) and earn 5% cash back on Lyft rides until March 2022.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rotating bonus categories are capped at $1,500 in purchases per quarter.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You have to remember to enroll in the categories each quarter to earn 5% cash back.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro 0% APR offer doesn\u2019t apply to balance transfers.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Charges a foreign transaction fee of 3% of each transaction in U.S. dollars.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best cashback credit card for students

Discover it® Student Cash Back

For new cardmembers, Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

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Our thoughts

The Discover it® Student Cash Back is geared to students with Fair/Limited credit histories, and offers the same great cashback rewards program as the regular version of the card. You can 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, 1% unlimited cash back on all other purchases - automatically. Plus, just like the non-student version of the card, Discover will match your cash back at the end of the year if you are a new card member, essentially doubling your rewards.

As a student, this card lets you qualify for a $20 Good Grade Reward each year your GPA is 3.0 or higher (for up to five years). The card is also free of annual fees, and you’ll get a free FICO score on your monthly statement.

  • 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, 1% unlimited cash back on all other purchases - automatically.
  • Discover will double all the rewards you earn the first year for new card members.
  • Qualify for a $20 statement credit if your GPA is 3.0 or higher.
  • May be easier to qualify for than other unsecured credit cards.
  • This card’s 5% back category bonus is limited to $1,500 in spending each quarter (you only earn 1% cash back after that).
  • You have to remember to enroll in the categories each quarter to earn 5% cash back.
  • No traditional sign-up bonus. You get a cashback match offer instead.
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Just a dollar-for-dollar match. \n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EFor new cardmembers, Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. \\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Discover it\u00ae Student Cash Back Credit Card Review: Is It the Best Student Card?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-student-credit-card\"\u003EDiscover it\u00ae Student Cash Back\u003C\/a\u003E\u003C\/span\u003E is geared to students with Fair\/Limited credit histories, and offers the same great cashback rewards program as the regular version of the card. You can 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, 1% unlimited cash back on all other purchases - automatically. Plus, just like the non-student version of the card, Discover will match your cash back at the end of the year if you are a new card member, essentially doubling your rewards.\u003C\/p\u003E\n\n\u003Cp\u003EAs a student, this card lets you qualify for a $20 Good Grade Reward each year your GPA is 3.0 or higher (for up to five years). The card is also free of annual fees, and you\u2019ll get a free FICO score on your monthly statement.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 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, 1% unlimited cash back on all other purchases - automatically.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Discover will double all the rewards you earn the first year for new card members.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Qualify for a $20 statement credit if your GPA is 3.0 or higher.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n May be easier to qualify for than other unsecured credit cards.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This card\u2019s 5% back category bonus is limited to $1,500 in spending each quarter (you only earn 1% cash back after that).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You have to remember to enroll in the categories each quarter to earn 5% cash back.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No traditional sign-up bonus. You get a cashback match offer instead.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Compare cash back cards

To figure out which are the best cash-back credit cards for your preferences and spending habits, you’ll want to take a look at factors like welcome offer, earning rate and annual fee. The chart below breaks down our picks for the best and highest cash back credit cards.

Card
Welcome offer
Earning rate
Annual fee
Capital One Spark Cash for Business
Capital One Spark Cash for BusinessEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.Earn a flat 2% Cash Back for your business on every purchase, everywhere with no spending limit, plus a generous $500 in bonus cash.$0 intro for first year; $95 after that
Apply Now
  • On Capital One's Secure Website
unavailable credit card
Bank of America® Cash Rewards Credit Card$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.Earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. For your 3% category, choose from gas, online shopping, dining, travel, drug stores or home improvement and furnishings.$0Read Review
Petal® 2 Cash Back, No Fees Visa® Credit Card
Petal® 2 Cash Back, No Fees Visa® Credit CardN/AEarn 1% cash back on eligible purchases right away, and between 2% to 10% cash back from select merchants.$0
Apply Now
  • On Petal's Secure Website
Show All Rows

What is a cashback card?

A cashback card is a type of credit card that lets you earn cash rewards for each dollar you spend. Many cashback cards also come with benefits like zero fraud liability, purchase protection and extended warranties.

How do cashback credit cards work?

Cashback cards let you earn rewards as a percentage of your spending, so you’ll rack up more cash back the more you use your card.

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Most cashback cards then let you earn cash back as a statement credit, redeem your rewards for gift cards and more. These types of cards literally couldn’t be more convenient, as they allow you to get cash from a credit card.

Cashback vs. points and miles credit cards

The good thing about cashback cards is that as a consumer, you always know how much value your rewards are and you know exactly how to redeem them — it’s a straightforward and relatively simple system. That said, credit cards that offer points and miles are a bit more complex, but typically offer more redemption options that can boost the value of your rewards. If you’d rather not get involved with the complexities of points and miles, and would prefer to simply earn cash back on all your spending, cashback cards will be the way to go.

There are 3 types of cashback cards:

1. Flat-rate cashback cards

Flat-rate cashback cards let you earn a specific percentage of rewards regardless of the category of your purchases. If you have a flat-rate rewards credit card that lets you earn 2% back on all purchases you make, for example, you’ll earn $2 in rewards for each $100 you spend.

2. Tiered cashback cards

Tiered cashback cards let you earn more rewards in some categories than others. They might offer 3% back in specific categories like dining or travel, then 2% back in another category like grocery stores, for example. Typically speaking, tiered cards also offer 1% back on all non-bonus purchases made with your card.

3. Rotating category cashback cards

Some cards come with rotating categories that change each quarter to help you earn cash back. Cards in this realm typically let you earn a specific amount of rewards in a specific category for three months, usually up to specific limits. The Chase Freedom® is a good example since you earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases. Like other cards with rotating rewards categories, the Chase Freedom® also lets you earn 1% back on all other purchases.

How to choose a cashback credit card

The right rewards credit card for you depends on your spending style and the type of rewards you want to earn. In the process of choosing a cashback card, you’ll want to consider the following factors:

1. Earning categories

Make sure the card you choose offers generous rewards in the categories you spend the most in. If you spend a lot on groceries or gas, for example, you could look for a card that offers bonus categories on these purchases.

Conversely, it can make sense to sign up for a flat-rate rewards card that offers a higher earning rate on everything you buy. This strategy would help you avoid having to worry about bonus categories or earning caps.

Some of the most common earning categories include the following:

  • Dining: This category typically includes going out to eat at any restaurant as well as ordering delivery. In this category, you’ll earn points on your entire bill including the tip.
  • Gas stations: This category typically refers to filling up with gas at the major gas service stations, including places like Mobil, BP and Shell. Oftentimes, purchases at the accompanying convenience shop also count toward your rewards earnings, but you should double-check with your personal card.
  • Supermarkets: This category refers to grocery stores, and will sometimes simply be called "groceries." You can earn rewards in this category by making any type of purchase at the supermarket. However, be sure to check the details of your specific card because superstores like Costco, Walmart and Target are typically not included.

2. Sign-up bonus

Look for a rewards credit card that offers a generous initial bonus and that preferably comes with a minimum spending requirement you can easily reach. If you can earn a welcome bonus when you spend $3,000 on purchases within three months, for example, make sure you can spend $1,000 per month on your card via regular spending and bills.

3. Annual fee

Most cashback cards don’t charge an annual fee, yet those that do typically offer a higher rate of rewards. If you decide to pay an annual fee for a credit card, make sure the rewards or cardholder benefits are worth it to you. If you’re looking for the best cash back credit card with no annual fee, try the Citi® Double Cash Card – 18 month BT offer. This card allows you to Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

4. Redemption options

Make sure the card you select lets you redeem rewards in the way you want, whether that means for statement credits, gift cards, cash in the mail or several different options.

5. 0% introductory APR

Some cashback cards let you save money with a 0% APR on new purchases and balance transfers for a limited time. If you would like a card with this benefit, make sure to check how long you get 0% APR and whether your offer applies to purchases, balance transfers or both.

6. Other benefits

Also look for cards that offer the perks you want the most, whether that includes extended warranties, purchase protection, travel insurance or other benefits.

How to make the most of a cashback credit card

Also pay special attention to bonus categories that can help you rack up more rewards over time as well as bonus cashback offers.

To make the most of a cashback credit card, you should use it for all your regular spending and bills. Also, you should always pay your balance in full and never, ever carry long-term debt with a rewards credit card. Cashback credit cards tend to charge high APRs that start at around 11.99%. Using a card to earn 1% to 3% cash back will not compensate for the amount you have to pay in interest.

If you’re looking for a credit card that offers the most cash back, or simply the card that has the best cashback program, recognize that different cards offer different amounts of cash back in varying categories. For example, if you’re unsure what 1.5 cash back means on a credit card, that indicates that you’ll get 1.5 cents in cash back rewards per dollar spent in a particular category, like gas or groceries. Here is a breakdown of the major types of cash back categories.

  • Dining and entertainment: Capital One® Savor® Cash Rewards Credit Card - Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores.
  • Gas: Bank of America® Cash Rewards Credit Card - Earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.
  • U.S. supermarkets: The Blue Cash Preferred® Card from American Express is a really great American Express cashback card, as it gives you 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. Terms apply. Cash back is redeemable for statement credits.
  • Rotating categories: The Discover it® Cash Back is one of the top 5% cashback credit cards. 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, 1% unlimited cash back on all other purchases - automatically.
  • All categories: Citi® Double Cash Card – 18 month BT offer - Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
What card gives you the most cash back?
Blue Cash Preferred® Card from American Express - 6% cash backThis card gives you 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. Terms apply. Cash back is redeemable for statement credits.
Apply Now
Discover it® Cash Back - 5% cash backThis card gives you 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, 1% unlimited cash back on all other purchases - automaticallyRead Review
Bank of America® Cash Rewards Credit Card - 3% cash backThis card gives 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.Read Review
Citi® Double Cash Card – 18 month BT offer - 2% cash backThis card gives Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now
  • On Citibank's Secure Website

Pros and cons of using a cash-back card

Pros of picking the best cash rewards credit card

  • Cashback credit cards offer you rewards with indisputable value — cold, hard cash. Whether you choose to redeem those rewards as a statement credit, gift card or even as a physical check in the mail, you know what you’re getting and you can spend your rewards whenever you want, on anything you want.
  • The cashback rewards method is simple. You won’t have to play the game of maximizing your points and miles or waiting until the right moment to redeem them. Look for a $200 cashback credit card to further maximize your benefits.
  • Typically cashback cards will charge either no or low annual fees. It’s easy to get great value out of this type of card without having to pay too much to own it.

Cons of choosing cash back bonus credit cards

  • With cashback credit cards, there is little opportunity to expand the value of your rewards. Conversely, with points and miles cards you can often use your rewards strategically to extend their value beyond what could be possible with a cashback card.
  • Typically cashback credit cards don’t offer significant welcome bonuses, ranging from $0 to around $200. Points and miles cards, however, often offer sign-up offers more than twice that amount.
  • Fewer benefits. Cashback cards don’t typically offer the perks that points and miles cards do, like free checked bags or travel protection.

FAQs about cashback credit cards

What is the best cashback credit card?

The best cashback credit card is different for everyone. We suggest comparing card options based on their rewards rates and how they align with your normal spending, as well as rewards redemption options, annual fees and the cardholder benefits you can qualify for.

What credit card gives the most cash back?

The credit card that offers the most cash back also varies from person to person since some cards offer more rewards in specific categories. Some cards offer a higher rate of rewards on all purchases than others. The Citi® Double Cash Card – 18 month BT offer is a popular option, since it lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Alternatively, one of the highest paying cashback cards is the Blue Cash Preferred® Card from American Express, which gives you 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. Terms apply. Cash back is redeemable for statement credits.

Is credit card cash back taxable?

Credit card rewards are considered a rebate on your spending, and thus they are not considered taxable income.

Why do credit card companies offer cash back?

Credit card companies offer cash back as an incentive for you to sign up for their cards and use them for regular purchases. They make money off of transaction fees and interest when you carry a balance, so the rewards they pay out is worth it to them.

Are cashback credit cards worth it?

Cashback credit cards can be worth the trouble if you always pay your balance in full and you never pay a dime in interest. If you are wondering whether you should get a cashback credit card, consider whether or not you’ll be able to spend more than the card’s annual fee, and the way in which you’d prefer to earn and collect your rewards. If you’re worried about racking up long-term debt, you may want to stay away from credit cards altogether.

Is cash back on a business credit card taxable?

Cash back earned with a business credit card is considered a rebate on your purchases. For that reason, it is not considered taxable income.

How do you calculate the cashback rate on credit cards?

Cash rewards rates are typically doled out as a percentage of your spending. With that in mind, a card that offers 1% back on all purchases would give you $1 for each $100 you spend. Likewise, a card that offers 2% back would give you $2 for each $100 you spend.

What is a 1.5% cashback card?

Cards in this category let you earn 1.5% back for each dollar you spend, or $1.50 for each $100 in purchases you charge to your credit card.

Are cashback or miles cards better?

Some rewards credit cards offer airline miles instead of cash rewards. Neither card is "better," but it's likely one option might work better for your needs. Airline credit cards typically work best for consumers who travel often and stick with the same airline or airline alliance.

Do cashback cards build credit?

Cashback cards can help you build credit since all your credit movements are reported to the three credit bureaus — Experian, Equifax and TransUnion. To build credit with a credit card, make sure to pay your balance early or on time each month, keep debt levels at a minimum and avoid opening or closing too many credit accounts.

What is the best cashback business credit card?

Our pick for the best cashback business credit card is the Capital One Spark Cash for Business. With this card you can earn a flat 2% Cash Back for your business on every purchase, everywhere with no spending limit. Plus, you can Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

Do cashback cards actually give you cash?

Cashback cards give you cash as a statement credit on your card, and in some cases can directly deposit your rewards into your checking or savings account. Cashback rewards can also be redeemed as gift cards or in the form of a physical check mailed to you by your credit card issuer upon request.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.

The information related to the Wells Fargo Propel American Express® card, Bank of America® Cash Rewards Credit Card, Discover it® Secured Credit Card, Discover it® Cash Back, Discover it® Student Cash Back and Capital One® Savor® Cash Rewards Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).