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The Best Cash Back Credit Cards of November 2019

These are the best cash back cards of October 2019. Continue below our top picks section for an explanation of each card's benefits and potential drawbacks.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

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On Discover's Secure Website

Discover it® Cash Back

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On Discover's Secure Website
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
13.49% - 24.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Chase's Secure Website

Chase Freedom Unlimited®

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On Chase's Secure Website
Earn a $150 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Annual Fee
$0
Regular APR
16.74% - 25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Chase's Secure Website

Chase Freedom®

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On Chase's Secure Website
Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • 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!
  • 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 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • 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!
  • 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 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
Annual Fee
$0
Regular APR
16.74% - 25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Citi's Secure Website

Citi® Double Cash Card

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On Citi's Secure Website
  • Earn cash back twice. 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 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Earn cash back twice. 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 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Regular APR
15.49% - 25.49% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}
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On American Express' Secure Website

Blue Cash Preferred® Card from American Express

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On American Express' Secure Website
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
Annual Fee
$95
Regular APR
14.49%-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Capital One's Secure Website

Capital One® Quicksilver® Cash Rewards Credit Card

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On Capital One's Secure Website
Earn a $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • 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.

  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Annual Fee
$0
Regular APR
15.74% - 25.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Capital One's Secure Website

Capital One® Savor® Cash Rewards Credit Card

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On Capital One's Secure Website
Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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 foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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 foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Annual Fee
$0 intro for first year; $95 after that
Regular APR
16.24% - 25.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}
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On American Express' Secure Website

Blue Cash Everyday® Card from American Express

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On American Express' Secure Website
Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
Annual Fee
$0
Regular APR
14.49%-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}
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On American Express' Secure Website

American Express Cash Magnet®

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On American Express' Secure Website
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
Annual Fee
$0
Regular APR
14.49%-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Chase's Secure Website

Ink Business Cash℠ Credit Card

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On Chase's Secure Website
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Annual Fee
$0
Regular APR
14.99% - 20.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Capital One's Secure Website

Capital One® Spark® Cash for Business

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On Capital One's Secure Website
Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening.
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $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
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $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
Annual Fee
$0 intro for first year; $95 after that
Regular APR
18.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}
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On Discover's Secure Website

Discover it® Cash Back

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On Discover's Secure Website
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
13.49% - 24.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"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."}

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On Chase's Secure Website

Chase Freedom Unlimited®

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On Chase's Secure Website
Earn a $150 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Annual Fee
$0
Regular APR
16.74% - 25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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On Chase's Secure Website

Chase Freedom®

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On Chase's Secure Website
Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • 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!
  • 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 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • 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!
  • 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 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
Annual Fee
$0
Regular APR
16.74% - 25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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On Citi's Secure Website

Citi® Double Cash Card

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On Citi's Secure Website
  • Earn cash back twice. 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 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Earn cash back twice. 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 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Regular APR
15.49% - 25.49% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}

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On American Express' Secure Website

Blue Cash Preferred® Card from American Express

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On American Express' Secure Website
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
Annual Fee
$95
Regular APR
14.49%-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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On Capital One's Secure Website

Capital One® Quicksilver® Cash Rewards Credit Card

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On Capital One's Secure Website
Earn a $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • 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.

  • 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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Annual Fee
$0
Regular APR
15.74% - 25.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}

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On Capital One's Secure Website

Capital One® Savor® Cash Rewards Credit Card

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On Capital One's Secure Website
Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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 foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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 foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Annual Fee
$0 intro for first year; $95 after that
Regular APR
16.24% - 25.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}

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On American Express' Secure Website

Blue Cash Everyday® Card from American Express

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On American Express' Secure Website
Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
Annual Fee
$0
Regular APR
14.49%-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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On American Express' Secure Website

American Express Cash Magnet®

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On American Express' Secure Website
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
Annual Fee
$0
Regular APR
14.49%-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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On Chase's Secure Website

Ink Business Cash℠ Credit Card

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On Chase's Secure Website
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Annual Fee
$0
Regular APR
14.99% - 20.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"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."}

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On Capital One's Secure Website

Capital One® Spark® Cash for Business

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On Capital One's Secure Website
Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening.
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $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
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $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
Annual Fee
$0 intro for first year; $95 after that
Regular APR
18.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}

1. Discover it® Cash Back

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Why we like it: The Discover it® Cash Back is one of the top cash-back cards due to its excellent rewards rate on a variety of common purchase categories. With the card, you'll earn 5% cash back up to $1,500 in purchases in rotating categories—such as grocery stores, gas stations, restaurants, Uber and Lyft—when you activate each quarter. Cardholders also earn 1% cash back on purchases outside of the bonus categories. For 2019, the categories included grocery stores (January-March), gas stations, Uber & Lyft (April-June), restaurants and PayPal (July-September), Amazon.com, Target, and Walmart.com (October-December).

This card is great for anybody who has expenses in the card's rotating categories, which include some of the most popular consumer spending areas. If you hit the $1,500 spending target each quarter (activation required), you'll earn $300 back on the 5% categories alone. The card also has an excellent sign-up bonus: Discover will match all of the cash back you earn at the end of the first year.

Potential drawbacks: This card can be limiting for people who don't have many expenses in the rotating categories. If you don't think you'd maximize those spending areas, or if you'd prefer a card with a simpler earning structure, consider a flat-rate cash-back card like the Chase Freedom Unlimited® or Citi® Double Cash Card.

2. Chase Freedom Unlimited®

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Why we like it: The Chase Freedom Unlimited® is our favorite flat-rate cash-back card for its rewards rate and flexibility. Cardholders earn 1.5% on all purchases with no annual fee. In addition, one of the best parts of this card is that you can boost your earning potential by pairing it with the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. The Chase Freedom Unlimited® comes with a $200 welcome bonus for new cardholders after spending $500 with the card in the first three months.

If you're planning to get into the world of travel rewards cards, then the Chase Freedom Unlimited® is an excellent choice. As mentioned above, you can turn your cash back into travel rewards by transferring points to one of the Chase Sapphire cards. When you redeem points for travel through the Chase Ultimate Rewards portal, their value climbs to 1.25 cents with the Chase Sapphire Preferred® Card and 1.5 cents with the Chase Sapphire Reserve®.

Potential drawbacks: If you're not interested in redeeming points for travel in the future, there are cards with higher flat-rate cash-back rewards than the Chase Freedom Unlimited®, like the Citi® Double Cash Card. Alternatively, if you're looking for a starter credit card that offers cash back, consider the Discover it® Cash Back.

The information related to the Chase Freedom Unlimited® has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. This offer and/or promotion may have since changed, expired, or is no longer available.

3. Chase Freedom®

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Why we like it: Like the Discover it® Cash Back, the Chase Freedom® is a rotating-category cash-back card. Cardholders earn 5% on different spending categories each quarter on up to $1,500 in purchases. While Chase doesn't release the year's full schedule like Discover, categories in the past have included grocery stores, gas stations, restaurants, mobile purchases, pharmacy chains and more.

This card is great for people who want to optimize their spending rewards, as you can stack it with the no-fee Chase Freedom Unlimited® and the Chase Sapphire Preferred® Card ($95 annual fee) or the Chase Sapphire Reserve® ($450 annual fee). You'll be able to earn 1.5 points per dollar on bonus spending with the Chase Freedom Unlimited®, then redeem your points for travel with one of the Sapphire cards.

Potential drawbacks: Given that the bonus categories are capped at $1,500 per quarter, this card can be limiting for people with high expenses. Once you max out the rotating categories, you'll only earn 1 point per dollar on all your purchases. If you anticipate spending much more than $1,500 in the bonus categories each quarter—or you don't want to keep track of rotating categories and cash-back caps—then we suggest a flat-rate cash-back card like the Citi® Double Cash Card.

The information related to the Chase Freedom® has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. This offer and/or promotion may have since changed, expired, or is no longer available.

4. Citi® Double Cash Card

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Why we like it: The Citi® Double Cash Card offers one of the highest cash-back rates available on a no-fee card: 1% when you make a purchase and 1% when you pay your bill, for a total of 2% back. This card is perfect for people who want a simple and reliable card. There are no rotating categories to activate each quarter, and you earn the same rate on every purchase.

If you're looking for a solid balance transfer card, the Citi® Double Cash Card can also fill that role. Cardholders get a 0% introductory APR for 18 months on balance transfers from another credit card. Note that balance transfers do not earn cash back, and all balance transfers must be completed within four months of account opening to qualify for the 0% rate.

Potential drawbacks: The biggest downside of the Citi® Double Cash Card is that it doesn't offer a welcome bonus. However, this card has plenty of long-term value and should be a mainstay in your wallet for years to come. After a few years of earning 2% on all purchases, the rewards value you get from the Citi® Double Cash Card will likely surpass what you'd earn with a 1.5% card with a $200 welcome bonus.

5. Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card
This product is not available through ValuePenguin.
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Why we like it: The Wells Fargo Cash Wise Visa® Card is an excellent flat-rate cash-back card, especially for people who make frequent mobile wallet purchases. You'll earn 1.5% back on every dollar you spend on general purchases and 1.8% back on purchases you make with a mobile wallet, like Apple Pay, Google Pay or Samsung Pay, during the first 12 months of account opening.

One of the best initial benefits of the Wells Fargo Cash Wise Visa® Card is that it offers a 0% APR for 12 months on both purchases and balance transfers. This means if you're looking to make a large purchase, you can take up to a year to pay it off without getting hit with hefty interest charges. Just be sure to pay off your purchase before the end of the first year, as interest will kick in at the end of the 12th month.

Potential drawbacks: The welcome offer on this card is lowerweak in comparison to cards like the Discover it® Cash Back and Chase Freedom Unlimited®. You'll get $150200 back after spending $51,000 on purchases in the first three months with the Wells Fargo Cash Wise Visa® Card. In contrast, the Chase Freedom Unlimited® has a welcome bonus worth up to $2600, while the Discover it® Cash BackChase Freedom Unlimited®'s welcome bonus matches all of the cash back you earn in your first year of card membership.

The information related to the Wells Fargo Cash Wise Visa® Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. This offer and/or promotion may have since changed, expired, or is no longer available.

6. Blue Cash Preferred® Card from American Express

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Why we like it: The Blue Cash Preferred® Card from American Express is our top cash-back card for families. For an annual fee of $95 (See Rates & Fees), it earns an impressive 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%), 3% cash back at gas stations, 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more, and 1% cash back on all other purchases. You'll also earn a welcome offer of $250 after spending $1,000 on purchases within the first three months of account opening.

Potential drawbacks: If you're not able to maximize the supermarket and gas station bonus categories, you may be better off with a no-fee cash-back card. Consider the The Amex EveryDay® Preferred Credit Card from American Express. However, if you spend the maximum $6,000 on groceries each year ($500 a month), you'll get at least $265 in cash back annually, even with the annual fee.

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

7. Capital One® Quicksilver® Cash Rewards Credit Card

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Why we like it: The Capital One® Quicksilver® Cash Rewards Credit Card is another leading flat-rate cash-back card. Like the Chase Freedom Unlimited® and Wells Fargo Cash Wise Visa® Card, it offers 1.5% cash back on all purchases. You'll also get a welcome bonus of $150 when you spend $500 on purchases within the first three months of account opening. You can also make purchases abroad without paying a foreign transaction fee (both the Chase Freedom Unlimited® and Wells Fargo Cash Wise Visa® Card charge 3% on foreign purchases).

Potential drawbacks: The other 1.5% cards on this list have a slight edge over the Capital One® Quicksilver® Cash Rewards Credit Card due to better sign-up bonuses and the potential to elevate the earning rate above 1.5%. With the Chase Freedom Unlimited®, you can earn 3% during your first year on up to $20,000 in purchases and can get a higher rewards rate by transferring points to a Chase Sapphire Preferred® Card or Chase Sapphire Reserve® and redeeming them for travel through the Chase portal. And with the Wells Fargo Cash Wise Visa® Card, you'll get a sign-up bonus worth $50 more and a 1.8% rewards rate on mobile pay purchases.

8. Capital One® Savor® Cash Rewards Credit Card

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Why we like it: The Capital One® Savor® Cash Rewards Credit Card is our favorite cash-back card for dining out. It earns 4% on all restaurant and entertainment purchases (think: bars, concerts, sport tickets), plus 2% at grocery stores and 1% on everything else. It also comes with an excellent sign-up bonus: $300 after spending $3,000 on purchases in the first three months of account opening. Until May 2020, cardmembers earn 8% back on purchases at Vivid Seats.

Potential drawbacks: You'll have to pay a $95 annual fee for this card (waived the first year). Consider the Capital One® SavorOne® Cash Rewards Credit Card if you want a dining card without a fee; it earns 3% on dining and entertainment, 2% at grocery stores, and 1% on everything else. However, the welcome offer on the Capital One® SavorOne® Cash Rewards Credit Card is considerably weaker: $150 after spending $500 in the first three months.

9. Blue Cash Everyday® Card from American Express

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Why we like it: The Blue Cash Everyday® Card from American Express is a great grocery and gas card. It earns 3% back at U.S. supermarkets on up to $6,000 in purchases, 2% at U.S. gas stations and select department stores, and 1% on everything else. You can redeem your cash-back rewards for statement credit toward your bill. The card also comes with a decently competitive welcome offer—$150200 back after spending $1,000 on purchases within the first three months of account opening.

Potential drawbacks: This card only earns 3% cash back on groceries in comparison to the 6% back on the Blue Cash Preferred® Card from American Express (both are capped at $6,000 in spending). If you spend more than $250 per month on groceries, it will be worth it for you to open the Blue Cash Preferred® Card from American Express rather than the Blue Cash Everyday® Card from American Express. Although the Blue Cash Preferred® Card from American Express has a $95 annual fee (See Rates & Fees), it's worth it for people who spend a decent amount on groceries.

For rates and fees on the Blue Cash Everyday® Card from American Express, click here.

The information related to the Blue Cash Everyday® Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. This offer and/or promotion may have since changed, expired, or is no longer available.

10. American Express Cash Magnet®

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Why we like it: The American Express Cash Magnet® is another simple flat rate cash back card with no annual fee (See Rates & Fees). It earns 1.5% on every purchase with no limit on rewards. There's also a decent welcome offer of a $150 statement credit after spending $1,000 on purchases within the first three months of account opening.

Potential drawbacks: You'll have to pay a 2.7% foreign transaction fee with the American Express Cash Magnet® when making purchases abroad. In comparison, the Capital One® Quicksilver® Cash Rewards Credit Card, another no-fee 1.5% back card, charges no foreign transaction fees and offers a better welcome bonus. Unless you need a card on the American Express network for some reason, we'd suggest the Capital One® Quicksilver® Cash Rewards Credit Card over this card.

For rates and fees on the American Express Cash Magnet®, click here.

11. Ink Business Cash℠ Credit Card

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Why we like it: The Ink Business Cash℠ Credit Card is our favorite bonus category cash-back card for small-business owners. With the card, you'll earn 5% cash back on purchases at office supply stores and on cable, phone and internet services, up to $25,000 a year. You'll also earn 2% back at restaurants and gas stations, up to $25,000 per year—all for no annual fee.

Potential drawbacks: This card won't have much value if your business doesn't spend in the 5% bonus category. On the other hand, your rewards will be capped pretty quickly if you're spending significantly more than $2,100 per month in the bonus categories. For high spenders, we suggest the Ink Business Preferred℠ Credit Card ($95 fee), which earns 3 points per dollar spent on a variety of business purchases, up to $150,000 per year. Businesses with unconventional expenses should consider the Capital One® Spark® Cash for Business or the Ink Business Unlimited℠ Credit Card, which earns 1.5% back with no annual fee and no cap on rewards.

12. Capital One® Spark® Cash for Business

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Why we like it: The Capital One® Spark® Cash for Business offers 2% cash back on all purchases with no cap on rewards. There's a $95 annual fee, which is waived the first year. This card is perfect for businesses that don't want to worry about maximizing bonus categories or hitting a rewards cap.

Potential drawbacks: Due to the annual fee on this card, you may want to consider a no-fee flat-rate business card instead, like the The Blue Business® Plus Credit Card from American Express (unlimited 2%) see rates & fees), Capital One® Spark® Cash Select for Business (unlimited 1.5%) or Ink Business Unlimited℠ Credit Card (unlimited 1.5%). However, the Capital One® Spark® Cash for Business, with its $95 annual fee, will be worth it over a no-fee 1.5% cash-back card for businesses that spend more than $19,000 a year (roughly $1,600 per month). Consider the no-annual-fee The Blue Business® Plus Credit Card from American Express if you know your vendors will accept Amex.

Summary of the best cash-back credit cards

How do I pick a cash-back credit card?

As is the case with most top-tier credit cards, the highest rated cash back offers are intended for people with excellent credit scores. Unless you have a credit file that is at least 2 years long, and a FICO score above 680, we recommend you look elsewhere. Students and individuals with bad credit really only have a handful of options for cash back cards. You can check out our guide for students here, and if you're someone with bad credit check out our page here.

Also, if you're someone who carries a balance month-to-month on their credit card look for low interest or balance transfer credit cards instead of cash back ones. Otherwise, you'll end up paying more in interest than you will get in cash back rewards. Consider this.: The highest cash back cards award 5% back. Their interest rates are 15% or more. Anything you add to your balance will actually be costing you 10% more.

For most people, we recommend getting a simple everyday cash back credit card that awards 2% back on all your purchases. This is the simplest to use, and will likely lead to the best results. You'll never have to think about your credit card or manage your spending categories. You simply swipe and collect your rewards.

Those willing to put in a little extra effort can get a higher2-4% cash back rate on more specialized cards. This requires you to consider where it is you use your credit card the most. Restaurants? Gas stations? Grocery stores? A combination of those? Either way, your goal should be to pick a credit card that awards the highest cash back in the categories where you shop most frequently. If you can't find a card like that, you can default back to using a 2% everyday card.

No matter what cash back credit card you end up getting, the best choiceit should provide you with no less than 1.5% back on most purchases, it shouldn't charge any annual fees, and should provide you with statement credit or actual cash rewards. Watch out for cards that are advertised as "cash back" but in reality award you with points that can only be redeemed for merchandise with certain brands. Store cards will often do this. All the credit cards we recommended above are true cash back credit cards. That means you can use the rewards you earn to wipe out charges on your bill.

How we chose the best cash back credit card

Our mission is to curate the best financial products available—in this case, the most rewarding cash back credit cards. To accomplish this, we looked at cards offered by the largest issuers, including American Express, Bank of America, Barclays, Capital One, Chase, Citibank and Discover. We also considered cards that frequently appear on other review sites or that were recommended to us by readers. To narrow the list to our final recommendations, we considered the four factors below.

Cash-back rate higher than 1.5%

We determined that the top cash back credit cards should provide no less than 1.5% back on every purchase. There were many cards we came across that gave users just 1-1.25% back. These were eliminated. While some cards may have a default rate of 1%, they should award 2%+ in certain specific shopping categories, like at gas stations or restaurants.

No annual fee

Most good cash back credit cards do not charge an annual fee. While some exceptions exist, we gave strong preference to cards that don't charge users for the sole privilege of opening an account. We reason that consumers looking for a high cash back rate wouldn’t want fees eating into their rewards.

Easy to redeem cash-back rewards

Cash back credit cards ought to be simple to use. We eliminated cards with complicated redemption systems, or cards that were advertised as cash back but in reality restricted users on how they could use their rewards. For example, some cards allow users to redeem their points only once per year, and the rewards expire within 30 days of being issued. Such offers were cut, as they unnecessarily complicate things for cardholders.

Spending caps

Some cash back credit cards come with a limit on how much cash back you can earn at elevated rewards rates. For example, you get 6% cash back on the first $6,000 spent each year. While spending caps on their own aren't a disqualifier, we did examine whether such caps are unreasonable. We did this by examining average consumer expenditure data from the Bureau of Labor Statistics, and seeing whether the typical user is likely to go over such caps. If that was the case, we kept such cards off our list.

Frequently asked questions about cash-back credit cards

Below are some common questions that people have about cash-back credit cards.

What is the best cash back credit card?

The best cash-back credit card for you depends on your preferences, budget and main areas of spending. If you prefer a simple card that earns a flat rate of cashback, then the Chase Freedom Unlimited® or Citi® Double Cash Card are your best options. The former earns 1.5% on all purchases, while the latter earns an effective 2% rate — 1% when you make a purchase and 1% when you pay your bill. On the other hand, people who want to maximize their rewards may prefer a rotating category cashback card like the Discover it® Cash Back, which earns 5% on categories that rotate each quarter (must be activated) on up to $1,500 each quarter. The categories for the remainder of the year are restaurants and PayPal (July-September) and Amazon.com, Target and Walmart.com (October-December).

Are cash back credit cards really worth it?

If you can responsibly manage a line of credit — i.e., pay off your balance every monthcarry a balance below 30% of your limit and pay your bills on time — then cash back credit cards are worth it. For this type of cardholder, using a cashback credit card gives spending rewards on purchases that would have been made in the first place. However, if you tend to carry a large balance and don't pay your bills on time, high interest charges and late fees will likely negate any cashback benefits.

Should I get another credit card? Is it bad to have too many credit cards?

If you have a credit score over 720 and are responsible with your current credit cards, then there's no reason not to apply for a new card. However, keep in mind that your credit score is affected by the number of account inquiries you have within the past two years and the average age of your accounts. As such, if you're looking to apply for a mortgage, car loan, student loan refi or another loan product, it's best to wait to get a new credit card.

Yowana Wamala

Yowana is a former product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

Comments and Questions

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.

Advertiser Disclosure: The products that appear on this site may be from companies from 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). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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).