The rewards it pays in those categories — particularly at U. supermarkets and on select U. streaming subscriptions — are among the richest of any card.
There's a nice welcome offer for new cardholders and an introductory APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee.
The Blue Cash Everyday® Card from American Express pays elevated rewards at U. supermarkets, at U. gas stations and on U. online retail purchases. The rewards might not be as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn't charge an annual fee either.
The Chase Freedom Unlimited® was already a fine card when it offered 1. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Our pick for: Bonus rewards — high rate for big-box shoppers.
The U. The card also offers a higher-than-usual rate on spending outside its bonus categories. The downside: There's an annual fee. Our pick for: Amazon Prime shoppers.
There's no annual fee, but you have to be a Prime member, and that does have a fee. Our pick for: Bonus rewards — high rates on dining, at grocery stores and more.
Love the night life but dead-set against paying an annual fee? Consider the Capital One SavorOne Cash Rewards Credit Card. It pays a lower cash-back rate on dining and entertainment than the regular Savor card, but the rewards are nevertheless quite good see rates and fees.
The sign-up bonus is smaller than on the annual-fee version, too, but it's still solid see rates and fees. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and an intro APR offer, too.
The Discover it® Cash Back earns bonus cash back in quarterly categories that you activate. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and specific major retailers. 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.
You also get the issuer's signature "cash-back match" bonus in your first year. And unlike with its competitors, there's no activation schedule or bonus calendar to keep track of.
The Bank of America® Customized 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, home improvement and more.
You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Our pick for: Customizable rewards — wide selection of categories. If you don't mind putting some work into your rewards, check out the U. It might be the most customizable cash back card available.
There's a good bonus offer for new cardholders, too. Cash-back credit cards offer the most useful and flexible rewards currency there is: cash. Points and miles can have squishy value and limited flexibility when redeeming.
But a dollar in cash back is a buck you can spend anywhere. Also, cash-back cards are typically the simplest rewards cards: You get a certain amount of cash for every dollar you spend.
You might get more cash back for certain types of spending — at restaurants or gas stations, for example. Think of it this way: A cash-back rewards card is like getting a discount on everything you buy with the card. The fun comes when you use the card everywhere and your cash back piles up.
Even the best cash-back credit cards probably aren't as flashy as travel rewards credit cards, but as with the hare and the tortoise, sometimes slow-and-steady wins the race. Cash-back credit cards come in three basic types that determine how you accumulate cash rewards.
Flat-rate cash-back cards give you a set percentage of cash back regardless of what you buy with the card. A good benchmark is 1. Citi Double Cash® Card. Capital One Quicksilver Cash Rewards Credit Card. It pays unlimited 1. With some cards, you get to choose which categories earn the higher rewards.
Blue Cash Preferred® Card from American Express. gas stations and on transit. Terms apply. Capital One SavorOne Cash Rewards Credit Card.
You have to "opt in" or "activate" the bonus categories online each quarter. Discover it® Cash Back. Many cash-back cards earn a higher rewards rate for certain purchases. So it applies to groceries, cleaning supplies, toiletries, prepared meals and anything else bought at the supermarket.
You can often buy a gift card for a restaurant or retailer at the supermarket, and it counts as a supermarket purchase. Often warehouse clubs and superstores, like Target and Walmart, are excluded.
For larger households, this can be one of the most valuable categories to get accelerated rewards. Sometimes called "dining" this usually includes everything from fast-food restaurants and pizza delivery to white-tablecloth fine dining. Gas stations. This is often described as "gas" and usually applies to traditional gasoline service stations, such as Mobil, Shell and BP.
It usually doesn't extend to gas stations affiliated with supermarkets or warehouse clubs. Often, it counts everything you buy in the associated convenience store, too, although a few cards count only gas paid for at the pump.
That last point hints at the key to cash-back categories — the best ones are where you spend the most money regularly. Other bonus categories you might see include entertainment, drugstores, home improvement stores, wholesale clubs and mobile wallet purchases.
Rotating bonus category cards sometimes designate specific retailers for bonus rewards for a quarter, such as Amazon or Walmart. Which type of cash-back credit card is right for you depends on how you spend money and your patience for tracking rewards categories.
If you spend a lot in certain categories, such as gas or groceries, consider a tiered or bonus category card. The key is to make sure paying the annual fee is worthwhile mathematically. Think of the fee as a reduction in your annual cash-back total.
A cash sign-up bonus is nice to get — if your regular spending will be enough to earn it. Or, for a card with an annual fee, it might compensate for the annual fee for a few years.
Bonuses are less common with cash-back cards, and bonuses are low compared with those on travel credit cards. A higher rewards rate on one card could be a better deal than a card with a bonus and a lower rate, depending on how much you spend and where you spend it.
What are the rules for getting your cash back? Some cards allow you to take the cash back as a statement credit, which can lower your next credit card bill. Others allow you to redeem cash directly into your bank account, while some offer to mail you a paper check. Some issuers allow you to redeem rewards for more than cash back — for merchandise or gift cards, for example.
And others might allow you to transfer cash-back points to another card program where strategic use might yield better value. Carrying a balance from month to month incurs interest charges that can eat up the value of your rewards. If you expect to carry a balance, look for a low-interest credit card instead.
Cash-back cards are easy to understand and use, but they can also seem boring. And co-branded travel cards for airlines and hotel companies might give you perks no other card will. For example, airline cards often offer free checked bags and priority boarding. Many of the best hotel credit cards give you a free night's stay each year.
A 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. A big exception: Americans who travel overseas an average of at least once per year are often better off with a travel rewards credit card because of higher point values and no foreign transaction fees.
Cash-back cards are great for many people, but not everybody. Best rewards currency. Cash is king for flexibility. Nobody can change the value of it, and you can spend it anywhere. No or low annual fees. You can find plenty of choices with no annual fee or reasonable fees if you want superior cash-back rewards.
Low bonus requirements. Relatively low sign-up bonuses. No outsized value. Points earned with travel cards can sometimes be parlayed into huge value, far exceeding the value of any cash-back card.
Inappropriate for carrying a monthly balance. Few perks. Foreign transaction fees. Some cash-back cards charge you a percentage of every purchase you make abroad. Such fees are rarer on travel and luxury cards. But if you never carry a balance, try to pile as much spending as you can onto your cash-back card to pump up your rewards.
For example, you can get one card that offers extra cash back for dining, another that offers extra for shopping at Amazon, and another that gives extra for gas and groceries. Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise you could miss out on hundreds of dollars.
Online credit card malls , accessible through your credit card login, can help you earn extra cash back on your web-based purchases, sometimes up to 10 times as much. If you carry a balance from month to month, the interest can quickly gobble up more than you're earning in cash back.
In that case, a low-interest card is probably a better choice. If you need to transfer a balance, look for a balance-transfer credit card. Still not sure? See our best rewards cards for a range of credit cards that earn cash, points or miles. NerdWallet's Gregory Karp contributed to this article.
To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers.
Factors in our evaluation include each card's cash-back earning rates, rewards structure such as flat-rate or tiered categories , annual fee, redemption options including minimum redemption amounts , promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as loyalty bonuses or the ability to choose one's own rewards categories.
Learn how NerdWallet rates credit cards. At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards.
However, credit score alone does not guarantee or imply approval for any financial product. Sorry, no cards match these filters.
You can still get a personalized list of cards that fit your credit profile in just a few minutes. You might also consider these cards. Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research.
Credit card issuers have no say or influence on how we rate cards. It offers the simplicity of unlimited 2 percent cash rewards on purchases and also comes with one of the most generous intro APR offers available on a rewards card.
This combo should give it terrific long-term value even after you pay off debt. Learn more: Is the Wells Fargo Active Cash worth it?
However, it may be a more flexible option than the Active Cash since you can pool rewards across multiple Citi cards to maximize your earnings. The sign-up bonus is competitive, too, offering a nice chunk of change with a relatively small spending requirement. Learn more: Is the Capital One SavorOne worth it?
This mix of categories makes it one of the most lucrative standalone cash back cards out there. Learn more: Is the Amex Blue Cash Everyday worth it?
Alternatives: If you want a bit more flexibility in your categories, The Bank of America® Customized Cash Rewards credit card lets you choose your own eligible bonus category each month, with options including online shopping, gas stations, travel and more.
Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. This makes it a good choice for deal hunters looking to maximize their earnings.
Learn more: Is the Discover it Cash Back worth it? Alternatives: You may earn more with a flat-rate cash rewards card like the Citi Double Cash® Card or Wells Fargo Active Cash® Card without the hassle of activating new bonus categories each quarter.
To earn cash back, pay at least the minimum due on time. Learn more: Is the Citi Double Cash Card worth it? Alternatives: If you need to make a large purchase and want to save on interest with an intro APR offer, consider the Wells Fargo Active Cash® Card.
It earns the same flat-rate rewards on purchases but comes with a long intro APR offer for purchases and balance transfers. What we love: Every quarter, you can pick your 3 percent and 2 percent bonus categories, which include travel, gas, grocery stores, dining and entertainment. Even better, the customizable categories earn unlimited cash back, so you can take full advantage of tailored, high cash back rates.
Alternatives: The Bank of America® Customized Cash Rewards credit card lets you change your customizable category every month, while the TD card lets you change it every quarter.
streaming subscriptions. What we love: This card offers one of the highest rewards rates you can get at U. supermarkets, making the annual fee more than worth it if you spend a lot on groceries. Learn more: Is the Amex Blue Cash Preferred worth it? Alternatives: If groceries are your top spending category, the Citi Double Cash® Card could also earn a ton of cash back, without charging an annual fee.
Pair it with another cash back card and you may score as much or more cash back on everyday essentials like gas and dining. Earn an extra 1. That's 6. What we love: This card earns elevated rates in multiple, common bonus categories that can make racking up cash back with everyday spending easy.
Plus, its competitive intro APR offer and decent welcome bonus give this card great upfront value. Learn more: Is the Chase Freedom Unlimited worth it? Alternatives: The Wells Fargo Active Cash® Card is a good alternative if you want a card with a great flat rate on purchases.
It also offers a great mix of bonus categories, ranging from everyday staples like dining to unique options like home improvement stores. Learn more: Is the Bank of America Customized Cash Rewards credit card worth it? Heavy spenders may earn more with a card that offers an unlimited flat rewards rate on all purchases, such as the Citi Double Cash® Card.
What we love: Since its bonus category automatically adjusts based on where you spend most, this card can be a great option if you want a simple rewards card to add to your rewards strategy stack.
Learn more: Is the Citi Custom Cash worth it? For example, the Capital One SavorOne Cash Rewards Credit Card earns unlimited rewards on dining, entertainment, grocery stores and more.
Terms apply Earn unlimited 1. It also comes with a few enticing perks and benefits, including a solid welcome offer. Learn more: Is Capital One Quicksilver worth it? Alternatives: If you spend most in a specific category like groceries or gas, consider cards that earn rewards at a higher rate in those categories, like the Bank of America® Customized Cash Rewards credit card.
That card even gives you the option to change your highest-earning cash back category once per calendar month. What we love: This card offers a solid mix of features, including an elevated cash rewards rate on all purchases.
Learn more: Is the Bank of America Unlimited Cash Rewards worth it? Intro offer is not available for this USAA credit card. Earn unlimited 1. What we love: USAA members looking for simple, flat-rate rewards will find a lot to love with this card. It offers an unlimited flat rewards rate, straightforward redemption options, an intro APR on purchases and a chance at a low ongoing APR.
A card like the Citi Double Cash® Card could offer better long-term value since it earns 2 percent cash back on all purchases 1 percent when you buy and 1 percent when you pay off purchases. Earn 2. What we love: This card combines the convenience of a credit card with the predictability of an installment loan, allowing you to earn rewards as you pay off purchases at a fixed interest rate.
Plus, it carries one of the highest flat cash back rates you can get with no annual fee. Learn more: Is the Upgrade Cash Rewards Elite Visa worth it? Alternatives: You may want to consider a card that offers both cash back and an intro APR for new purchases. The Discover it® Cash Back is one great pick and would allow you to finance a large purchase while racking up rewards.
The card details have not been reviewed or approved by the card issuer. This card offers a high rewards rate on pickup and delivery orders from Walmart, as well as an attractive welcome offer for in-store purchases through the Walmart Pay app.
Alternatives : If you want the flexibility to earn rewards with any U. supermarket excluding Walmart , consider the Blue Cash Preferred® Card from American Express.
Cash back credit cards reward you for eligible purchases by giving you a percentage of your purchase price back. The flexibility, simplicity and ongoing value of cash back cards make them one of the more popular types of credit cards on the market.
Chances are if you frequently spend on groceries , gas or other essentials, there's a cash back card that's a great fit for your wallet. While cash back cards can put hundreds of dollars per year back into your wallet, they can also come with drawbacks.
Here are some advantages and disadvantages of carrying a cash back card. Earn rewards : If you pick a card that fits your spending habits, you can earn some extra cash every month just by using your credit card. Build credit : Used responsibly, a cash back credit card can help you improve your credit score by adding to your credit history.
Sign-up bonuses : A first-year sign-up bonus or welcome offer can be worth a few hundred dollars if you can meet the spending requirement. Some cards also hit you with a higher penalty APR if you are late making a payment, which can last a year or more.
Can be high maintenance : Some cards require you to periodically activate or enroll in your cash back category to earn cash back rewards. Fewer travel perks : You might not see a ton of travel benefits on cash back cards, like lounge access, free hotel room upgrades or a TSA Precheck application statement credit.
Cash back cards come in many forms. The best one for you depends on your spending habits and lifestyle. Before you apply, make sure you know the types of cash back cards available. Flat-rate cash back cards offer the same rewards rate for each eligible purchase. Tiered cash back cards offer different rates of cash back for different types of purchases, plus a flat rate of cash back on everything else.
For example, a tiered card may offer a boosted cash back rate of 3 percent on restaurant purchases, while all other purchases earn 1. To maximize your cash back earnings, use more than one tiered card that rewards your most common purchases at high rates. Some credit cards offer bonus categories that change based on your preferences, your spending habits or the time of year.
Here are a few of the most common bonus category structures. Some of the most lucrative cash back credit cards require a paid membership. Co-branded credit cards with membership requirements generally let you earn rewards and extra perks at specific stores or service providers.
Some credit unions also offer cash back card options to their members. Since credit unions are controlled and financed by members themselves, these members will often reap the benefits of more favorable interest rates and fewer banking and penalty fees than a not-for-profit institution.
Membership requirements vary by credit union. Cash back cards differ in the reward categories they offer, though there are a few common categories you can expect to find.
Here are some tips from the experts at Bankrate on how to best use and choose a cash back credit card. This should be your starting point. Most of the best cash back credit cards require at least good credit. Evaluate your expenses to determine which cards can reward you the most for your top spending categories.
Be sure the places you shop most are eligible for rewards based on how each card defines its bonus categories. A card's sign-up bonus can add significantly to its short-term value. Make sure the spending requirement is fairly easy to reach, as carrying a balance will cut into your earnings.
Flat-rate credit cards are a great option to earn consistent cash back on all purchases with minimal effort. Bonus category cash back cards can offer higher cash back rates but require strategic spending to maximize rewards.
Factor ongoing costs of keeping the card. For instance, you might decide a card's annual fee is worth it if you can offset the cost with rewards and perks. Interest rates and common credit card fees , like late charges and balance transfer fees, can also eat into your cash back earnings.
Cash back cards may come with an assortment of perks that can add value to your wallet, such as statement credits on select subscription services. Rotating category cards typically require you to enroll in or activate your bonus cash back categories for the upcoming quarter to earn the higher bonus rate.
Welcome bonuses can deliver a substantial amount of value, and some cards are worth getting for the welcome bonus alone. Leaving this value on the table is a missed opportunity. Just make sure you won't have to overspend to meet the spending requirement.
A combination of cards will allow you to maximize your cash back opportunities when making purchases. Pick cards that cover your major spending categories and at least one card that earns a high flat rate on all purchases: this lets you always earn the maximum amount of rewards on purchases.
Many cash back cards offer shopping portals. When I first got into rewards strategy, I went a little overboard, carrying a card for every spending category I could think of, constantly switching based on where I was shopping or which bonus category was available in a given quarter.
I even had a spreadsheet I used to track my purchases and cash back earnings. It eventually became a headache, though. Now I take a more streamlined approach, focusing on a few key spending categories as I try to strike a balance between high earnings and low maintenance.
Is my stack perfect? Definitely not. I still have a co-branded airline card, a rotating category card and a specific online retailer card sitting around, and using them could help me squeeze a little more earnings out of my purchases. But for now, five cards is plenty to juggle.
People who spend across a wide variety of categories can often combine cards from the same issuer for greater effect. For example, by having a Chase Freedom Flex, Chase Freedom Unlimited and a Chase Sapphire card, you can use the Chase Trifecta 's bonus categories to maximize rewards.
Capital One and Discover agreed to an acquisition in which Capital One will buy Discover. This proposed acquisition has already garnered challenges from Washington, with legislators urging regulators to reject the deal. But what could a merger mean for consumers? It's also worth noting that the Discover payment network is exempt from the fee limitations the Credit Card Competition Act proposes.
Should the act pass, Capital One could be shielded from the effects of the legislation and any collateral damage to rewards programs under the Visa and Mastercard networks. When evaluating the best cash back cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks.
Whenever possible, we also feature cards that are available at various credit levels and price points. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories.
We also estimate the redemption value of points or miles from various rewards programs. With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.
The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking. We also score cards based on how much it costs to keep them in your wallet or carry a balance.
To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value.
However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee.
After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees.
That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks. Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards?
Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.
In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.
Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.
See the respective Guide to Benefits for details, as terms and exclusions apply. The right credit card for you will depend on your spending habits and the perks that matter most to you. Travel cards are great for people who know they want to redeem rewards for travel expenses like airline and hotel bookings.
Travel cards also make sense if you want perks like hotel or airline elite status, free checked bags , free hotel stays or airport lounge access. But even some of the best travel credit cards for beginners charge an annual fee, and the fee for premium travel cards that offer luxury perks can be quite high.
Cash back cards can be simpler to use and offer more flexibility in how you can earn and redeem rewards, with some allowing you to use rewards for cash back, travel spending and more. You may not receive cold, hard cash, but issuers offer redemption options like a direct deposit into a checking account, mailed checks, statement credits or gift cards.
Perhaps the closest you can get to redeeming rewards for physical cash is through a Wells Fargo card that allows you to redeem for cash withdrawals at eligible ATMs. It depends on how you plan to redeem your rewards. If you plan to deposit your cash rewards into a high-yield savings account, it's best to redeem often so that you don't lose out on interest.
However, if you prefer to use your rewards for travel, you might save up your rewards to help cut future travel costs. In fact, your cash back might be worth more if you redeem through an issuer's travel portal , like Chase Ultimate Rewards.
To maximize your earnings, check your issuer's redemption options and be strategic in how and when you redeem. Yes, a cash back credit card is flexible and valuable enough to be worth a spot in most wallets. However, there are a few cash back credit card alternatives that might be just as valuable depending on your needs.
Flat-rate cards do not require any pre-planning, which is great. You buy what you buy and earn cash back at the same rate for everything. To make the most of cash back cards that have rotating categories, however, you have to pay a bit more attention.
For example, if a card offers 5 percent cash back at Amazon in Q4, you may consider doing most of your holiday shopping through that site.
I like to have both a flat-rate and rotating cash back card in my wallet — particularly a flat-rate card that earns at a higher rate usually 1. I have found the most difficult part of maximizing rotating category cash-back cards is keeping track of which categories are currently earning bonus cash back.
Setting reminders and keeping a rewards calendar helps, especially if you have multiple cards of each type. Of course, you also want to make sure you are putting the right expense on the right card to maximize the rewards. We use primary sources to support our work.
Capital One to Acquire Discover. Capital One. Accessed on Feb. Congressional Democrats urge U. to block Capital One-Discover deal. The Washington Post. Every reasonable effort has been made to maintain accurate information.
However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. The information, including card rates and fees, is accurate as of the publish date.
All products or services are presented without warranty. Find your odds with no impact to your credit score. Apply for a credit card with confidence. When you find your odds, you get:. Credit Cards Cash Back Advertiser Disclosure Advertiser Disclosure Bankrate. Written by Steve Dashiell. Steve Dashiell.
Ribbon Expertise. Edited by Nouri Zarrugh. Nouri Zarrugh. Read more Twitter Linkedin. Reviewed by Jason Steele. Jason Steele. Bankrate logo How we make money. Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped over , users compare cash back cards in Circle Check We valued and compared over 50 cash back programs.
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The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions. View card list Collapse Caret Up. Best Cash Back Credit Cards of March Best for flat-rate 2 percent cash rewards: Wells Fargo Active Cash® Card Best for dining: Capital One SavorOne Cash Rewards Credit Card Best for online shopping: Blue Cash Everyday® Card from American Express Best for rotating categories: Discover it® Cash Back Best for everyday spending: Citi Double Cash® Card Best for quarterly customizable categories: TD Cash Credit Card Best for groceries: Blue Cash Preferred® Card from American Express Best for drugstore and dining purchases: Chase Freedom Unlimited® Best for flat-rate cash back: TD Double Up SM Credit Card Best for customizable 3 percent category: Bank of America® Customized Cash Rewards credit card Best for stacking: Citi Custom Cash® Card Best for 1.
Table of contents Collapse Caret Up. Caret Down Caret Up. Sort by Caret Down Caret Up. Credit Card Search Sorry, no cards match these filters You can still get a personalized list of cards that fit your credit profile in just a few minutes.
See my card offers. Best for flat-rate rewards. Wells Fargo Active Cash® Card. Rating: 4. Bankrate review. appOddsOn { aoProduct. Apply now Lock. Apply now Lock on Wells Fargo's secure site. Intro offer. Annual fee. Regular APR. Pros This card offers one of the highest flat cash rewards rates available for a no-annual-fee card.
In addition to a lengthy intro APR, you can also take advantage of varied redemption options like redeeming cash rewards at a Wells Fargo ATM. The 3 percent foreign currency conversion fee could eat into cash rewards if you use this card abroad.
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. No categories to track or remember and cash rewards don't expire as long as your account remains open.
Best for dining. Capital One SavorOne Cash Rewards Credit Card. Rating: 5 stars out of 5. Apply now Lock on Capital One's secure site.
Pros You can earn additional bonus rewards for purchases made through the Capital One Entertainment and Travel portals. It offers a solid rewards rate in a terrific mix of everyday bonus categories, making it ideal as a standalone rewards card.
Cons Beware of redeeming cash rewards on Amazon. Its ongoing APR is on the high side and could prove pricey if you tend to carry a balance. Best for online shopping. Blue Cash Everyday® Card from American Express. Apply now Lock on American Express's secure site.
Pros It offers one of the highest rewards rates you can get on groceries without paying an annual fee, making it a great choice for everyday spending. Cons You can only redeem cash back as a statement credit.
Generally, your choices are between a flat-rate % with a sign-up bonus or a 2% card without one. If the 2% card has a bonus, it will also Tiered cash back cards. These cash back credit cards offer different cash back rates for different types of purchases. Most cards let you earn 1% to 6% back on The best cash back credit cards give you at least % cash back on purchases, along with $0 annual fees, initial bonus offers or 0% APR
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