Higher cash back percentages can be had on different cards for specific categories. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Best Cash-Back Credit Cards 1. If you expect to carry a balance, look for a low-interest credit card instead. The Discover it® Cash Back earns bonus cash back in quarterly categories that you activate. You can't get rewards deposited into a bank account, as is possible with many other cash-back cards. Wells Fargo Cash Wise Visa is one of a growing cohort of “1.5% cards” – cash-back credit cards that earn a flat, unlimited 1.5% return on spending. 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. is nice to get — if your regular spending will be enough to earn it. Read our review. Cash-back credit cards offer the most useful and flexible rewards currency there is: cash. At TPG, we try to make the research process as simple as possible. If you’re struggling to meet your $6,000 annual supermarket spending limit with food and dry goods purchases alone, make up the difference by purchasing other merchants’ gift cards at the supermarket checkout counter. INTRO OFFER: Unlimited Cashback Match – only from Discover. These are the top places to find good deals on cheap sports tickets. Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Earn 2% cash back on up to $6,000 in combined gas and grocery purchases each year So how do we make money? Earn unlimited 1.5% cash back on all other purchases. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. Or, for a card with an annual fee, it might compensate for the annual fee for a few years. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. The more you use the card, the bigger your bonus. If you're buying groceries regularly but not necessarily. This card gives you 2% cash back on all purchases: 1% for every dollar you spend and another 1% for every dollar you pay off. Before applying, confirm details on the issuer’s website. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. It’s like getting an immediate 6% discount at your favorite restaurants, retailers, and e-commerce websites. Some cards allow you to take the cash back as a statement credit, which can lower your next credit card bill. 4.5 Apply Now. Keep in mind that most cash-back credit cards require applicants to have good to excellent credit – usually indicated by a credit score above 700, and sometimes even higher. And if you spend at least $61 per week at the supermarket, you’re actually better off paying the annual fee on that card because you'll come out ahead with the higher rewards rate. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. Instead of points that you have to figure out how to redeem — and that you might not be able to redeem for something you want — you get real dollars and cents you can use for, well, anything. Instead of a flat 1% cash back and rotating 5% cash-back categories with quarterly spending caps, it simply earns an unlimited 1.5% on most purchases, with some exceptions: You can redeem for virtually anything, in any amount, at the Chase Ultimate Rewards® portal – including cash equivalents, merchandise, and travel. Best Cash Back Credit Cards ; Best Low Interest Credit Cards Best Credit Cards. All Types Of Spending: Citi Cash Back+ (1.6% cashback) For those that want a fuss-free cashback card, this card gives you 1.6% cashback on all your spending, regardless of the category you spend on. Blue Cash Preferred® Card from American Express - Best for Grocery Purchases. There’s no spending limit on the U.S. gas station and transit operator categories – you get 3% cash back on every $1 spent in those places, period. For example, airline cards often offer, Still, while travel dreams are more exciting than another $90 in cash back on your credit card statement, cash-back credit cards might actually be the right choice for most people. Citi Double Cash’s two-tiered cash-back program rewards cardholders who pay their balances in full each month. To earn cash back, pay at least the minimum due on time. 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Once you’ve decided which type of cash-back credit card works best for you, consider these factors: Nobody wants to pay an annual fee — and most cash-back cards don’t have one — but sometimes it can work out better. We may have financial relationships with some of the companies mentioned on this website. No outsized value. Depending on the card you use and where you use it, you'll earn cash rewards of 1% to 6% of the amount of each transaction. Read our review. You'll earn 3% cash back in a category you choose and 2% at grocery stores and wholesale clubs, on up to $2,500 per quarter in combined spending in those categories. Often, it counts everything you buy in the associated convenience store, too, although a few cards count only gas paid for at the pump. The rewards aren't as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn't charge an annual fee. Our pick for: Bonus categories — quarterly categories + cash-back match. will more than make up for it for families that spend a lot on groceries, gas, transit and streaming. The Capital One Quicksilver Cash Rewards Credit Card offers a compelling combination of a good rewards rate, redemption flexibility, sign-up bonus and introductory 0% APR period. Some issuers allow you to redeem rewards for more than cash back — for merchandise or gift cards, for example. Learn more about this card and find out how to apply here. With Discover's unique bonus and a. does well as either an everyday card or a backup. Best for gas and groceries: Blue Cash Preferred® Card from American Express. Terms Apply. Plus, earn unlimited 1% cash back on all other purchases – automatically. The annual fee will be a sticking point for some, but the rewards will offset the fee if you spend just $31 a week at the supermarket. 1%-5%Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Instead, consider the Blue Cash Everyday® Card from American Express, which has a $0 fee but lower rewards rates. A good benchmark is 1.5% cash back on everything. Plus, get a decent bonus offer and an introductory 0% APR period. on Citibank's application. Citi Flex Plan offers are made available at Citi's discretion. Carrying a balance from month to month incurs interest charges that can eat up the value of your rewards. These spending categories are flexible enough to reflect your spending habits which, if they happen to change from time to time, you can choose new categories every 90 days. That’s especially true when they're compared with. If there's an annual fee, make sure you’re getting more than that in cash back. Our pick for: Flat-rate cash back — bonus offer + 0% period for purchases. With Discover's unique bonus and a $0 annual fee, the Discover it® Cash Back does well as either an everyday card or a backup. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). You also get the issuer's signature "cash-back match" bonus in your first year. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Do cash-back cards actually give you cash? But there’s much more to the story. This card for people with fair or "average" credit pays the same cash-back rate as the regular Quicksilver card, which targets people with excellent credit. Scotiabank Gold American Express ; MBNA Rewards World Elite ; Scotia Momentum Visa Infinite ; BMO World Elite MasterCard ; SimplyCash Preferred by American Express ; SimplyCash by American Express ; … With some cards, you get to choose which categories earn the higher rewards. One big drawback is the $25 minimum redemption threshold, which could be an issue for lighter spenders. If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase, Contactless Cards - The security of a chip card, with the convenience of a tap, Exclusively designed for those spending $50,000+ a year on their card, Earn 2.5% cash back up to $250 ($10,000 in qualifying purchases) per billing cycle with no revolving categories, No limit to the cash-back awards you can earn, Works with Google Pay, Apple Pay and Samsung Pay. Our pick for: Bonus rewards — 5%/3% categories + high ongoing rate. 12 Best Cash Back Credit Cards of December 2020 - NerdWallet As you compare cash back cards, be sure to … The Blue Cash Everyday® Card from American Express is a great option for families that spend a lot on groceries and gas but not enough to justify the annual fee on the Blue Cash Preferred® Card from American Express. Think of it this way: A cash-back rewards card is like getting a discount on everything you buy with the card. . You get 5% cash back on up to $1,500 in spending per quarter in categories that you activate — and unlike with some cards, the 5% categories include places where a lot of people spend a lot of money. Your whole restaurant bill, including the server’s tip, counts for accelerated rewards. See our best rewards cards for a range of credit cards that earn cash, points or miles. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. The Capital One QuicksilverOne Cash Rewards Credit Card gets a big thumbs-up for offering an extremely competitive 1.5% rewards rate for people still building their credit. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Up to $550 Bonus Cash in the First Year; 5% Cash Back in 2 Categories of Your Choice. If your household spends a lot on groceries, gas, transit and streaming services, the Blue Cash Preferred® Card from American Express is for you. You’ll earn 5% cash back on the first $2,000 in combined eligible net purchases each quarter in two categories of your choice and 2% cash back on your choice of one everyday category. In order to get cashback, you need to make a minimum transaction of Rs. The Chase Freedom Flex℠ offers rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus generous bonus opportunities for new cardholders. Best for Less-Than-Perfect Credit. was specifically designed for bigger spenders. The Alliant Cashback Visa® Signature Credit Card is designed for big spenders, although perhaps not the biggest spenders. Sometimes card issuers call this category “groceries,” but the rewards are determined by the type of store, not the specific items you purchase. But a dollar in cash back is a buck you can spend anywhere. Unlimited 1.5% Cash Back on all Purchases; $150 Sign-Up Bonus. Still not sure? You could turn $150 cash back into $300. Best Rotating Cash Back Visa Card. . It comes with a nice sign-up bonus, too – a $150 cash bonus that requires just $500 in spending within the first three months, to be exact. spenders. . . For folks with long commutes, healthy travel and dining-out budgets, and long Costco shopping lists, the four-tiered cash-back program is among the most generous around. Rewards programs, on the other hand, are compiled of special offers and bonus points which can be redeemed for things other than cash: airline miles, gas cards, gift cards, hotel stays and more. If your cash-back categories overlap, you’ll wind up with redundant cards in your wallet. There's an annual fee of $0 intro for the first year, then $99. There are three basic kinds of cash-back credit cards: • Flat-rate cards pay the same cash-back rate no matter what you buy. The categories might not be a good fit for everyone. The card does have an annual fee after the first year, but the 2.5% cash back will start to rack up rewards in excess of a 2% cash back card with no annual fee once you cross the $2,000 threshold each month. There’s no minimum spending or maximum rewards. Your cash back comes as a statement credit. Money Compare. Unlimited 1.5% Cash Back on your purchases. See our Chase Freedom Unlimited Card review for more information. This amount is usually deducted from your bill once a year. 2. » MORE: Beware of minimum redemption requirements. Other bonus categories you might see include entertainment, drugstores, home improvement stores, wholesale clubs and mobile wallet purchases. has a high cash-back rate of 2.5%, up to $10,000 in qualifying purchases per billing cycle. Instead of points that you have to figure out how to redeem — and that you might not be able to redeem for something you want — you get real dollars and cents you can use for, well, anything. Find out how to apply for this card here. Best Cash Back Credit Cards for 2020. At those rates, carrying a balance for even a single month can seriously eat into your cash back earnings. Some cards let you pick which types of merchants earn the higher rates, but most have set categories. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. offers solid, no-fuss cash rewards — 1.5% cash back on purchases — for a. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits. You can redeem your accumulated rewards for cash back (via statement credit), travel, merchandise, and gift cards. offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Brian Martucci writes about credit cards, banking, insurance, travel, and more. If you’re willing to switch among cards to maximize your rewards, be sure to get cards that complement one another's rewards structures. But a few cards give you back 2% or even more. References to products, offers, and rates from third party sites often change. Earn unlimited 1.5% cash back on every purchase made for your business. Which type of cash-back credit card is right for you depends on how you spend money and your patience for tracking rewards categories. See if you qualify for a better offer with Chase: Customizable rewards: 3% categories you can adjust monthly, 1%-3%Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases, $200$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. There's a 0% introductory period for purchases and a fantastic bonus offer for new cardholders, and you can get free cards for people who work with you in your business. On top of all that, new cardholders get a 0% introductory APR period, bonus rewards at grocery stores and the opportunity to earn a sweet cash bonus. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. Freedom Flex has several opportunities to earn bonus cash on a routine basis: Chase Freedom Flex leverages Chase Ultimate Rewards points, a versatile spending currency that is worth $0.01 per point or more depending on redemption. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). And co-branded travel cards for airlines and hotel companies might give you perks no other card will. This is often described as "gas" and usually applies to traditional gasoline service stations, such as Mobil, Shell and BP. Earn 2.5% cash back up to $250 ($10,000 in qualifying purchases) per billing cycle with no revolving categories. And, as a relatively new addition to Amex’s stable, it comes with a generous limited-time welcome offer: up to $150 in bonus cash. 2.5%Earn 2.5% cash back up to $250 ($10,000 in qualifying purchases) per billing cycle with no revolving categories. On top of that, you now get 6% cash back on select U.S. streaming subscriptions and 3% on transit, including such things as taxis, rideshares, parking, tolls, trains and buses. Who doesn’t like getting a credit on their monthly credit card statement – or, better yet, actual cash deposited into the account of their choice? Terms Apply. 1.50%Unlimited 1.5% Cash Back on your purchases. If you have a side business that incurs expenses — be it freelance work, deliveries, rideshare driving or something else — it makes sense to have a dedicated small-business card for it to keep business and personal spending separate. Best for Rotating Cash Back Bonuses: Chase Freedom Flex What to Know About This Card Our partners cannot pay us to guarantee favorable reviews of their products or services. offers rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus generous bonus opportunities for new cardholders. The rewards structure is somewhat complicated. (You typically have to spend $500 to $1,000 in the first few months.) Yes Prosperity Cashback Credit Card. In other words, don’t let the promise of cash back lull you into letting your card balances grow over time. Gas stations. gets best-in-class marks for pure value and simplicity: 2% cash back on every purchase — 1% when you make it and 1% when you pay it off. Meanwhile, this card’s 2% cash back rate at U.S. gas stations and select U.S. department stores is unlimited, as is 1% cash back everywhere else. Everything else earns 1% on everything else. As you go through the article, do note that you need to have excellent credit (generally a 700+ FICO score) to be approved for any of these cards. There's a good bonus offer for new cardholders, too. If you have a side business that incurs expenses — be it freelance work, deliveries, rideshare driving or something else — it makes sense to have a dedicated small-business card for it to keep business and personal spending separate. You’re unlikely to find such valuable perks as reimbursement for TSA Precheck applications or free checked bags or early check-in at a hotel. You can often buy a gift card for a restaurant or retailer at the supermarket, and it counts as a supermarket purchase. Most of the best cash-back cards offer a simple, flat rate and no fees. New cardholders also get 5% back on up to $12,000 in grocery store purchases in the first year (not including Target or Walmart) and can snag this sign-up bonus: Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Pre-qualified offers are not binding. New cardholders also get 5% back on up to $12,000 in grocery store purchases in the first year (not including Target or Walmart) and can snag this sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. The Bank of America® Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel and others. Top cashback credit cards Currently, the top cashback cards are from Amex – they have big intro bonuses and pay good ongoing rates. You’ll find each type of card on this list of the best cash-back cards available to U.S. consumers today. combines a rich offer for new cardholders (see the product details tab) with a semi-customizable rewards structure that lets you choose which purchases will earn the highest cash-back rate. Citi® Double Cash Card – 18 month BT offer, Best for Flat-rate cash back: High ongoing rate, Best for Bonus rewards: Quarterly categories + cash-back match, Blue Cash Preferred® Card from American Express, Best for Bonus rewards: Groceries, gas, commuting, streaming, Blue Cash Everyday® Card from American Express, Best for Bonus rewards: Groceries and gas + no annual fee, Best for Flat-rate cash back: Bonus offer + 0% period for purchases, Best for Bonus rewards: 5%/3% categories + high ongoing rate, Bank of America® Cash Rewards credit card, Best for Customizable rewards: 3% categories you can adjust monthly, Alliant Cashback Visa® Signature Credit Card, Best for High rewards for bigger spenders, Best for Bonus rewards: Quarterly categories + cash bonus, Capital One Quicksilver Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card. This card also puts you in charge of your new cardmember bonus. Terms and limitations apply. Chase Freedom®: Best Cash Back Card with Rotating Categories. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. Year after year, the Citi® Double Cash Card – 18 month BT offer has been our choice for the best flat-rate cash-back card. An annual fee is worth it only if you’re earning more in rewards than you pay — and more than you would if you were using a no-fee card. After you hit the limit, you get 1% cash back on supermarket purchases, with no spending cap. That’s especially true when they're compared with travel cards, which can be aspirational — visions of earning a free flight to Bora Bora in first class or a night at a swanky hotel in New York City. A 2016 study by NerdWallet found in many cases, a consumer could get more value by using a cash-back card and using the cash rewards to pay for travel expenses. Best Cash Back Credit Card Reviews. American Express treats rideshare operators such as Lyft and Uber as transit operators, which is great news for those who frequently use those services. • Rotating category cards pay a higher rate (often 5%) in bonus categories that change from time to time and a lower rate (usually 1%) on everything else. Learn more about this card and find out how to apply here. Plus, earn unlimited 1% cash back on all other purchases – automatically. Still, while travel dreams are more exciting than another $90 in cash back on your credit card statement, cash-back credit cards might actually be the right choice for most people. earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. If you’ll have trouble paying off the balance every month, a cash-back card — or any reward card — might not be for you. However, keep in mind that you need to obtain either Ink Preferred or Sapphire Preferred/Reserve – and remember, having Chase Freedom Unlimited doesn’t necessarily qualify you for those cards. Keep in mind that most cash-back credit cards require applicants to have good to excellent credit – usually indicated by a credit score above 700, and sometimes even higher. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account opening will get an additional 2.5 bonus points (an additional 5% back in rewards, for a total of 10%). If you're buying groceries regularly but not necessarily all the time, it's worth a look. Some have a minimum redemption requirement — you might not be able to cash in your rewards until you have accumulated at least $20 or $25. If you need to transfer a balance, look for a balance-transfer credit card. If you’re already spending $60 per year (or $120, if you’re springing for the Executive membership) on a Costco membership, and you’re able to meet Citi’s stringent underwriting requirements, this card is a no-brainer. Earn unlimited 1.5% cash back on all other purchases. Few perks. New cardholders also get 5% back on up to $12,000 in grocery store purchases in the first year (not including Target or Walmart) and can snag this sign-up bonus: Earn unlimited 1.5% cash back on every purchase, every day, One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, The original 1.5% cash-back credit card is still getting it done, even after being challenged by a wave of competitors. But most Costco members shop often enough that this isn’t a massive inconvenience. 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