Best Credit Cards
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Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

Best Cash Back Credit Cards of 2017

The best cash back credit cards for you will depend on where you spend most of your money, and how simple of a rewards program you wish to have. We've found that for savvy consumers, having more than one cash back credit card is usually the best way to maximize rewards - simply always use the card that provides you the highest returns per purchase. Most of the best cash back cards have no annual fee, which makes them easy to combine in your wallet.

The Best Cash Back Credit Cards of 2017 Are...

Best Cash Back Credit Cards

After looking through our database of over 200 credit cards, we picked out the following credit cards from the set. Analysis from our editors concluded these cash back credit cards offer some of the highest rewards, best bonuses, and give consumers the most bang for their buck.

Best Overall Cash Back Credit Card Chase Freedom Unlimited℠

The Chase Freedom Unlimited℠ offers one of the best fixed-rate cash back rates all purchases, plus one of the top bonuses of any cash back credit card on the market. Users earn 1.5% on all their purchases, regardless of category. You can also earn $150 after you spend $500 on purchases within the first 3 months of account opening.

What puts this card to the top of our list is the fact it has great long-term potential because of the form of its rewards—Chase Ultimate Rewards. If you ever, down the line, decide to pair this card with either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve℠, you’ll unlock the ability to combine your points together, which will greatly increase their value. You'll be able to redeem your points for cash back as you always did, or transfer them to airline miles. All these things can take this card's rewards rate from 1.5% to upwards of 1.875%+.

Summary

  • Flat 1.5% cash back on all purchases
  • Not as effective in the long-term, if you don't pair it with the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve℠
  • $150 cash back bonus after spending $500 on purchases within first 3 months

Best Cash Back Credit Card for Optimizers: Chase Freedom®

The Chase Freedom® has some of the highest rewards available, though requires a little bit of work to get there. The card accrues a 5% rewards rate for certain types of seasonal spending each quarter, up to the first $1,500 in purchases. For example, in the first quarter of 2017, the bonus categories include local commuter transport and gas stations. All other spending will earn just 1% cash back. The rate you get on shopping outside of bonus categories is average, though you can always combine this card with the Chase Freedom Unlimited℠ we mentioned above, and only use it when you are earning 5% cash back.

This credit card requires consumers to be mindful of how they pay, which can be a deal-breaker for some. Consumers who wish to simply pull out their credit card and pay - no matter where they're shopping - will not be too pleased with the Chase Freedom®. Not only do you have to keep track of the quarterly spending categories, if you hope to maximize value, you must also activate the bonus spending every 3 months - if you fail to do so, you will not earn more than 1% back.

Summary

  • One of the highest rewards rates of any credit card
  • Requires activation and mindfulness to take advantage of bonus categories
  • Offers good savings on categories seldom found with other rewards cards (such as local commuter transport)

Best Cash Back Credit Card for Everyday Use: Citi® Double Cash Card - 18 month BT offer

If you don't care about bonuses, and just want a solid cash back rate anywhere you shop, then the Citi® Double Cash Card - 18 month BT offer is for you. At the time of purchase, Citi® Double Cash Card - 18 month BT offer cardholders earn 1% cash back. Then, when they pay that purchase off on their bill, they earn an additional 1%. This is by far one of the easiest rewards credit cards to use - there are no bonus categories to keep track of, and no complicated redemptions.

One downside to using the Citi® Double Cash Card - 18 month BT offer is the lack of any welcome bonus. Nowadays, most credit cards will offer users some sort of incentive to sign-up with their card. The absence of this sort of reward greatly hurts this card's short-term potential.

Summary

  • 1% cash back at the time of purchase, then another 1% back when that purchase is paid off
  • No bonuses result in poor short-term value when compared to other cash back credit cards
  • Simple to use rewards program

Best Cash Back Credit Card for Dining at Restaurants: AARP® Credit Card

The AARP® Credit Card has one of the highest cash back rewards rates on restaurant and gas spending we've seen. In these categories, cardholders can get 3% back anytime they shop. Also, keep in mind that you don't need to be an AARP member to apply. You just need to have a good credit score (FICO 700+) and be over 18 years old.

The card also has a charitable element to it that may appeal to some users. In 2016, Chase Bank USA, N.A. will automatically donate $0.10 for each purchase made at a restaurant with your AARP Credit Card from Chase to AARP Foundation, in support of Drive To End Hunger. This is a program that helps provide meals to elderly citizens.

Summary

  • 3% cash back at restaurants and gas
  • No annual fee
  • $100 after you spend $500 on purchases in the first 3 months

Best Cash Back Credit Card for Gas & Groceries: Blue Cash Preferred® Card from American Express

Image of Blue Cash Preferred® Card from American Express

This card is not available through ValuePenguin.

The Blue Cash Preferred® Card from American Express is a fantastic cash back credit card for people who spend a lot of their money at gas stations and supermarkets. Based on the average household budget, this card can save you as much as $835 over two years. That's more than many of the other credit cards on this list. Keep in mind that all rewards earned through the Blue Cash Preferred® Card from American Express will be offset by the card's annual fee of $95. Make sure you're spending enough money the card's main rewards categories to justify that fee. As a rule of thumb, if you spend at least $270 per month at supermarkets, we calculate that this card will be worth the investment.

This card's 6% cash back rewards rate for U.S. supermarkets is the highest we've ever seen - the next closest is 3% with the Blue Cash Everyday® Card from American Express. While only the first $6,000 of supermarket purchases is eligible, it is still very beneficial for the average household, which can spend $3,971 annually on food at supermarkets. Frequent drivers and shoppers can also find this card useful: the Blue Cash Preferred® Card from American Express card awards a 3% cash rewards rate at US gas stations - with no cap on rewards. All other net spending earns a flat 1% cash back.

Summary

  • 6% cash back rate at U.S. supermarkets on up to $6,000 in purchases per year
  • $95 annual fee
  • 3% cash back at U.S. gas stations
  • American Express isn't accepted in as many stores as VISA and Mastercard

Best Cash Back Credit Card for Students: Discover it® for Students

The Discover it® for Students credit card is quite similar to the Chase Freedom®, with special seasonal spending categories that earn 5% on up to $1,500 in combined spending when you sign up. For new cardmembers, Discover doubles all cash back rewards at the end of the first year. That would essentially make it, at a bare minimum, a 2% cash back card on all purchases, for the duration of that first year.

Something students may appreciate is that Discover is one of the most forgiving when it comes to making mistakes – which makes it a great starter card. There is no overlimit fee, in case you go over your allowable credit limit. There is also no late fee on your first late payment – a feature that can save a forgetful user up to $37. Finally, the Discover it® for Students has no penalty APR, which means your interest rate won’t go up because of late payments.

Summary

  • The best overall cash back rate for the first year of membership
  • Caps on 5% cash back categories
  • Access to Discover Deals for additional savings on big brands, such as Macy's
  • No late fee on your first late payment

Best Cash Back Credit Card for Business: Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business is an extremely flexible card that can be beneficial for most businesses. It provides 2% cash back on all purchases, no matter the category. Furthermore, new accounts are eligible for a one-time $500 bonus, once they spend $4,500 on purchases within the first 3 months. That's enough to cover the card's annual fee for at least eight years.

From a business-perspective, the Capital One® Spark® Cash for Business provides good solutions for managers. You can issue employee cards at no additional cost. All the purchases they make will earn cash back for the account, so you can still earn rewards even when your employees are the ones doing the spending.

Summary

  • 2% cash back on all purchases
  • Employee cards at no additional cost
  • $0 intro annual fee for the first year $59 after that

Summary of 2016's Best Cash Back Credit Cards

Here is a summary of our picks for the best cash back credit cards available right now.

Best For...CardCash Back Bonus
OverallChase Freedom Unlimited℠$150 Bonus after you spend $500 on purchases in your first 3 months from account opening
OptimizersChase Freedom®$150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Everyday UseCiti® Double Cash Card - 18 month BT offerNone
RestaurantsAARP® Credit Card$100 after you spend $500 on purchases in the first 3 months
GasBlue Cash Preferred® Card from American Express150 back after you spend $1,000 in purchases on your new Card within the first 3 months
StudentsDiscover it® for StudentsDiscover doubles all cash back at the end of the first year for new cardmembers
BusinessCapital One® Spark® Cash for BusinessOne-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months

How the Best Cash Back Credit Cards Compare to One Another

To give you an idea of how some of the above credit cards compared, we calculated how much cash back the average individual would earn on each. We looked at average consumer spending from by the Bureau of Labor Statistics, organized them by bonus categories, and applied each card's rewards rates. The average individual spends about $17,160 a year on goods that could be charged on credit cards. Keeping this average spending profile in mind, here are the credit cards ranked from the most ongoing cash back value (excluding bonuses) to the least.

Graph detailing the estimated cash back rewards one can expect if his or her budget fits that of an average American consumer, as determined by the Bureau of Labor Statistics

Consumers whose spending closely align with the habits of the "average American in 2014", as determined by the Bureau of Labor Statistics, will benefit most from the Blue Cash Preferred® Card from American Express. However, the answer is rarely that simple. People, as well as how they spend, tend to be as unique as snowflakes. Therefore, if you want a more personalized recommendation, you should either consider which of the above categories fit you best or look to our comparison tool below.

Compare Cash Back Credit Cards on Your Budget

If you're still unsure of which cash back credit card fits your budget best, you can use our comparison tool to help you find the answer. Enter your estimated monthly spending, and we will run all the calculations for you - showing you the estimated rewards rate for each card.

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Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Barclaycard CashForward™ World Mastercard®
$0 1.56%
$200
Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
$560
Graph Card Read Review More Details
Annual Fee $0
APR 15.99%, 20.99% or 25.99% Variable

Card Details

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness
  • Please note, there is a fee for balance transfers
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 560
Wells Fargo Cash Wise Visa® Card
$0 1.56%
$200
Earn $200 cash rewards bonus after spending $1,000 in the first 3 months
$560
Graph Card Read Review More Details
Annual Fee $0
APR 13.99%-25.99% (Variable)

Card Details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 560
Chase Freedom Unlimited℠
$0 1.42%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening;Earn a $25 Bonus when you add your first authorized user and make a purchase within this same 3-month period
$510
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 510
Capital One® Quicksilver® Cash Rewards Credit Card
$0 1.42%
$150
Get $150 bonus after spending $500 within the first 3 months
$510
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 23.99% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 510
TRIO℠ Credit Card
No Annual Fee 0.94%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$340
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340
Capital One® Premier Dining Rewards Card
$0 0.94%
$100
$100 once you spend $500 on purchases within the first 3 months
$340
Graph Card Read Review More Details
Annual Fee $0
APR 15.49% - 24.49% (Variable)

Card Details

  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No annual fee
  • No foreign transaction fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340
U.S. Bank Cash 365™ American Express® Card
No Annual Fee 1.28%
$100
Cardholders who have a qualifying U.S. Bank product and spend $500 within the first 3 months of account opening receive $100
$460
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.74% - 23.74% Variable

Card Details

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 460
Discover it® ­- Cashback Match™
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® chrome
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
NHL® Discover it® Card
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® for Students
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 22.99% Variable

Card Details

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® chrome for Students
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card More Details
Annual Fee $0
APR 13.99% - 22.99% Variable

Card Details

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Discover it® Secured Card ­- No Annual Fee
$0 1.00%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details
Annual Fee $0
APR 23.99% Variable

Card Details

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360
Chase Freedom®
$0 1.08%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$390
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 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 like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390
Susan G. Komen® Credit Card
Image of Susan G. Komen® Credit Card $0.00 1.08%
$150
$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$390
Graph Card More Details
Annual Fee $0.00
APR 13.99% - 23.99% Variable APR on purchases
*Rates and Fees

Card Details

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen ® has received more than $7 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390
Capital One® QuicksilverOne® Credit Card
$39 0.78%
$0
$282
Graph Card Read Review More Details
Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 282
Ally CashBack Credit Card
No Annual Fee 0.94%
$100
Receive a $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24%, 18.24% or 23.24% Variable

Card Details

  • 2% cash back at gas stations and grocery stores
  • 1% cash back on all other purchases
  • $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
  • 10% Ally Deposit Bonus when you deposit your cash rewards into an eligible Ally Bank account

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340
World Wildlife Fund Credit Card
Image of World Wildlife Fund Credit Card No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
BankAmericard Cash Rewards™ for Students
Image of BankAmericard Cash Rewards™ for Students No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
U.S. Pride® Credit Card
Image of U.S. Pride® Credit Card No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
MLB® Credit Card
Image of MLB® Credit Card No Annual Fee 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
BankAmericard Cash Rewards™ Credit Card
$0.00 0.94%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card Read Review More Details
Annual Fee $0.00
APR 13.99% - 23.99% Variable APR on purchases
*Rates and Fees

Card Details

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
Blue Cash Everyday® Card from American Express
$0 0.94%
$100
Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
$340
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Terms and Limitations Apply

Annual Fee $0
APR 13.99%-24.99% Variable
*Rates and Fees

Card Details

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340
PNC CashBuilder® Visa Credit Card
No Annual Fee 0.83%
$0
$300
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% to 22.24% Variable

Card Details

  • 1.25% to 1.75% cash back depending on how much you spend or your banking relationship with PNC
  • Earn between 1.25% and 1.75% cash back on all purchases, depending on how much you spend
  • Redemptions start at $50
  • Rewards don't expire
  • $0 Fraud Liability

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 300 x $1 = $300
Total Net Estimated Rewards Through 24 Months 300
BP Visa® Credit Card
No Annual Fee 0.50%
$0
$180
Graph Card More Details
Annual Fee No Annual Fee
APR 27.24%

Card Details

  • Introductory Offer: Earn 25¢ off** per gallon For every $100 you spend with your BP Visa® Credit Card or BP Credit Card for the first 90 days your account is open (excluding non-BP gas stations)
  • 25¢ off per gallon for every $100 you spend at BP
  • 15¢ off per gallon for every $100 you spend for eligible groceries, dining and travel
  • 5¢ off** per gallon for every $100 you spend everywhere Visa® credit cards are accepted (excluding non-BP gas stations)
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 18,000 x $0.01 = $180
Total Net Estimated Rewards Through 24 Months 180
National Geographic Platinum Edition® Visa®
No Annual Fee 0.81%
$50
Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
$290
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Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 290
Journey® Student Rewards from Capital One®
$0 0.67%
$0
$240
Graph Card Read Review More Details
Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Total Net Estimated Rewards Through 24 Months 240

How To Find The Best Cash Back Credit Card

If you couldn’t find a cash back credit card for you in our list above, you can always search through offers yourself. Picking a card is a highly personalized process, and there is no one best cash back credit card for everyone. Instead, everyone will have a card that works best for him or her. One way to find the right cash back card for your needs is to follow the methodology outlined below.

Consider your spending habits

The first step in searching for the best cash back credit card should involve you sitting down and figuring out where you spend most of your money. Search for credit cards that compliment this well. As you may have noticed, credit cards tend to be specialized in certain areas. Some give better cash back on supermarket and gas spending, while others will give you the best rates on online purchases.

Do you pay off your credit card bill in full at the end of the month?

If the answer is “no”, you shouldn’t be looking at cash back credit cards in the first place. While cards can offer 0% interest for a select period of time, this habit can end up costing you dearly in the long-run. Carrying a balance on your credit card will almost always result in you being charged more interest than you gain in cash back.

Know the differences between true cash back, statement credit, and points

While a credit card may be marketed as being “cash back”, they may in fact not be just a cash back credit card. For example, the Chase Freedom® actually awards its users Ultimate Rewards points. Those can be then traded in for a number of things, including cash back rewards. However, understanding this detail is crucial. Some rewards points may hold more value when traded in for things other than cash back. Therefore, make sure you understand your card’s rewards program before you start using it.

One more point that is key to finding the best cash back credit card is knowing the difference between statement credit and true cash back. Some allow you to accumulate cash back that you eventually redeem for a check or deposit into your bank account. Others will be automatically applied to your credit card statement. If you would like to be passive about your rewards program, and not go through the hassle of redeeming rewards, this may suit you better.

Make sure you’re aware of minimum redemptions and reward expiration

Some cash back credit cards don’t allow you to get your rewards until you accumulate $100 worth. Others, on the other hand, allow you to redeem as little as $1. For low-spenders, having a $100 minimum redemption may be problematic. If you’re someone who uses his or her credit card sparingly, you may not be able to hit a $100 minimum for a long time. In such a case, having a cash back credit card may not seem beneficial at all.

Though rare, some cash back credit cards have their rewards expire if unused. One easy way to check for this is to search for the word “expire” on the card’s agreement.

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

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.

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.

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