See our Capital One Savor Cash Rewards Credit Card review for more information. NerdWallet's ratings are determined by our editorial team. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Terms Apply. We believe everyone should be able to make financial decisions with confidence. If you're looking for a non-Amex card, you can earn more with a supermarket card. Capital One® QuicksilverOne® Cash Rewards Credit Card. Most of the best cash-back cards offer a simple, flat rate and no fees. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Not all card issuers offer shopping portals, but it’s worth checking. Rating image, 5.0 out of 5 … The Bank of America® Cash Rewards Credit Card lets you earn the most cash back in a category of your choosing each month. Other bonus categories you might see include entertainment, drugstores, home improvement stores, wholesale clubs and mobile wallet purchases. Terms Apply. Before applying, confirm details on the issuer’s website. Offer Expires 12/10/2020 5% Cash Back on the First $1,500 Spent in Rotating Categories Every Quarter; 5% Cash Back on Eligible Travel Purchases Made Through Chase Ultimate Rewards; 3% Cash Back on Dining and Drugstore Purchases; 1% Cash Back on Everything Else. Today, I’ll review some of the best cards available for good old, simple cash back. Earn unlimited 1.5% cash back on all other purchases. The rewards structure is somewhat complicated. 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. Unlimited 1.5% Cash Back on All Purchases; Welcome Offer Worth Up to $150. Our pick for: Flat-rate cash back — bonus offer + 0% period for purchases. It usually doesn't extend to gas stations affiliated with supermarkets or warehouse clubs. Minimum redemption thresholds vary but are generally reasonable. A cash back credit card is a special type of credit card that reimburses a percentage of what you spend on that card. After the first year, if you spend more than $9,900 a year, it's a better deal than a 1.5% card with no annual fee; spend more than $19,800, and it's better than a no-fee 2% 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. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. Bonus rewards: Groceries and gas + no annual fee. Our pick for: Flat-rate cash back — high ongoing rate. Foreign transaction fees. Some offer the same cash-back rate on all purchases. Gas stations. The ongoing APR is high, so you should plan on paying your balance in full each month; otherwise, interest will effectively eat up your rewards. Cashback Match™INTRO OFFER: Unlimited Cashback Match – only from Discover. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. Read in more detail (+/-) The Tangerine Money-Back Credit Card is among our picks for the best no-fee cash back credit card for … Flat-rate cards typically pay 1% to 2% on everything. There's a good bonus offer for new cardholders, too. 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. It’s like getting an immediate 6% discount at your favorite restaurants, retailers, and e-commerce websites. offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. 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. But the rewards do ultimately leave you with more cash in your pocket. Gas sounds like a really useful category, but unless you’re a long-distance commuter, most households don’t spend as much at gas stations as they do at, say, supermarkets. Chase Freedom Unlimited has a great (and sometimes overlooked) perk for loyal Chase credit card customers. The best cash back credit card is the Blue Cash Preferred® Card from American Express because it offers excellent bonus rewards rates and is available to people with good credit or better. Best rewards currency. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. The offer starts with an initial bonus of $300 as statement credit for spending $3,000 within 6 months of opening an account. What’s your favorite cash-back credit card? 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? Our pick for: Customizable cash back — 3% categories you can adjust monthly. 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. Here are a few of the factors we look at … New cardholders get a great 0% intro APR period for purchases. 4% Cash Back on Gas Purchases at Costco Locations and Qualifying Gas Stations; 3% Cash Back on Restaurant and Eligible Travel Purchases; 2% Cash Back at Costco; 1% Cash Back Everywhere Else. There's a fantastic bonus offer for new cardholders and a 0% intro APR period, too. You don’t have to wait years to accumulate enough miles or points to redeem them for a free flight or hotel stay, as you might with a travel card. Earn 6% back at U.S. supermarkets on up to $6,000 spent per year (then 1% back); 6% on select U.S. streaming services; and 3% back at U.S. gas stations and on transit. Our pick for: Flat-rate cash back — high rewards for bigger spenders. Think of the fee as a reduction in your annual cash-back total. If you're expecting to put more than $2,500 a month on a credit card, this is an excellent one to put it on. Here are the 18 best cash back credit cards for 2020: Citi Double Cash Card… You can often buy a gift card for a restaurant or retailer at the supermarket, and it counts as a supermarket purchase. The SunTrust Secured Credit Card with Cash Rewards offers bonus cash back rewards for gas and grocery purchases, with a high annual spending cap that leaves plenty of room for earning valuable rewards. Carrying a balance from month to month incurs interest charges that can eat up the value of your rewards. If you don’t meet that threshold, work on building your credit before applying. Cash-back cards typically require less than $1,000 in spending to earn the bonus, so shift as much spending as possible to a new card until you earn the bonus. The combined 2% rate on all purchases is probably the best you're going to do on a card with a. 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. Sure, earning points or miles is nice and all, but lots of us would rather get cold hard cash rebates, thanks. All eligible purchases made with this card earn 1.5% cash back, with no restrictions on how much you can earn, and you can redeem in any amount for a statement credit or paper check. , which usually describes the merchant’s primary business. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. CardRates.com is a free online resource that offers valuable content and comparison services to users. Up to $550 Bonus Cash in the First Year; 5% Cash Back in 2 Categories of Your Choice. INTRO OFFER: Unlimited Cashback Match – only from Discover. When evaluating offers, please review the financial institution’s Terms and Conditions. You also get the issuer's signature "cash-back match" bonus in your first year. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. But you’ll only achieve the card’s effective 2% cash-back rate when you pay off your balance in full – as you should, under normal circumstances. You can add as many Offers as you'd like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement. Yes, the redemption framework is a little wonky – you have to redeem in person at Costco, and you have just one annual shot to do so. If you're looking for a non-Amex card, you can earn more with a supermarket card . There's no 0% intro period for purchases and no sign-up bonus, but the high rewards rate more than makes up for the lack of bells and whistles. One small drawback of Chase Freedom Flex: You have to manually activate your 5% rotating categories each quarter. 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. You earn 3% cash back at U.S. supermarkets (on up to $6,000 spent per year, then 1%), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on everything else. 2.5%Earn 2.5% cash back up to $250 ($10,000 in qualifying purchases) per billing cycle with no revolving categories. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Plus, earn unlimited 1% cash back on all other purchases – automatically. is nice to get — if your regular spending will be enough to earn it. All financial products, shopping products and services are presented without warranty. If you expect to carry a balance, look for a, Cash-back cards are easy to understand and use, but they can also seem boring. That’s because cards with annual fees often have more lucrative rewards like higher cash-back rates for some or all of your spending. This amount is usually deducted from your bill once a year. There are no foreign transaction fees, and you can be automatically considered for a higher credit line in as little as six months. The American Express Cash Magnet® Card pays a simple, flat cash-back rate on all purchases, with no limit to how much cash back you can earn. Redeem cash back in any amount, any time. 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. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). There’s no minimum spending or maximum rewards. The Capital One Savor Rewards Credit Card is one of the most potent cash-back credit cards on the market for folks who live going out and cooking in. 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. 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. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. Points earned with travel cards can sometimes be parlayed into huge value, far exceeding the value of any cash-back card. In other words, don’t let the promise of cash back lull you into letting your card balances grow over time. $100Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. 1%-6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities. We spend hours combing through the credit cards available from our partners and from outside our network, comparing them to see which cards offer the best return for readers. Cash Back: A maximum of 10% cash back on dining, education, supermarket, and telecom spends Apply Now FAB Abu Dhabi Platinum Credit Card. 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. Many of the best hotel credit cards give you a free night's stay each year. Rewards. Rotating bonus category cards sometimes designate specific retailers for bonus rewards for a quarter, such as Amazon or Walmart. 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. One big drawback is the $25 minimum redemption threshold, which could be an issue for lighter spenders. 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. The best cash back credit cards of 2020 offer rewards for each dollar you spend, but they don’t all offer the same earning rate, bonus categories, or cardholder perks. You also get the issuer's signature "cash-back match" bonus in your first year. This card is currently not available. Find out how you can apply for this card here. Read our review. Bonus rewards: Quarterly categories + cash-back match, on Discover's website, or call (800) 347-0264. 2. offers a compelling combination of a good rewards rate, redemption flexibility, sign-up bonus and introductory 0% APR period. You get a 0% intro APR period and a solid bonus offer, too. Read our review. If you have bad credit or you’re a student, there are specialty cards for you. At those rates, carrying a balance for even a single month can seriously eat into your cash back earnings. References to products, offers, and rates from third party sites often change. 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. It usually doesn't extend to gas stations affiliated with supermarkets or warehouse clubs. If you want an AmEx card with a no-hassle rewards structure, this is your card. $150Earn 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. You can compare rewards credit cards with Which? is a great option for families that spend a lot on groceries and gas but not enough to justify the annual fee on the, This card doesn't offer the transit or streaming benefits of its annual-fee cousin, the. That’s especially true when they're compared with. The card also has no foreign transaction fee, making it a good option for international travel. * Activate for free. See why 218,388 people subscribe to our newsletter. Why? If you don't mind putting some work into your rewards, check out the. 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. The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. The card also has no foreign transaction fee, making it a good option for international travel. 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. will more than make up for it for families that spend a lot on groceries, gas, transit and streaming. Like Capital One Quicksilver, it earns 1.5% cash back on all eligible purchases. The Citi® Double Cash Card – 18 month BT offer 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. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Cash Back rewards do not expire as long as your account is open. New cardholders get great bonus opportunities, too. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. pays a simple, flat cash-back rate on all purchases, with no limit to how much cash back you can earn. This is often described as "gas" and usually applies to traditional gasoline service stations, such as Mobil, Shell and BP. Website: www.alliantcreditunion.org. Or, for a card with an annual fee, it might compensate for the annual fee for a few years. The more you use the card, the bigger your bonus. 6% Cash Back at U.S. Supermarkets and Select Digital Media Services; 3% at U.S. Gas Stations and Transit Operators (Including Rideshare); 1% Everywhere Else. Cash-back cards typically require less than $1,000 in spending to earn the bonus, so shift as much spending as possible to a new card until you earn the bonus. Best Rotating Cash Back Visa Card. You earn unlimited 1.5% cash back on every purchase, and you can redeem your cash back in any amount, with no minimum. Our partners cannot pay us to guarantee favorable reviews of their products or services. New cardholders get a decent bonus offer and an introductory 0% APR period. The rewards it pays in those categories — particularly at U.S. supermarkets and on select streaming services — are among the richest of any card. Your whole restaurant bill, including the server’s tip, counts for accelerated rewards. like higher cash-back rates for some or all of your spending. Legally speaking, credit card rewards are treated as discounts on purchases rather than as income. Examples (with both of these cards, the 5% cash back applies to the first $1,500 in bonus category spending per quarter): Many cash-back cards earn a higher rewards rate for certain purchases. Enjoy new 5% categories each quarter! Bonus rewards: Groceries, gas, commuting, streaming. You’ll find each type of card on this list of the best cash-back cards available to U.S. consumers today. 1% Cash Back on other purchases. Just remember to opt in after signing up. As long as you’re a cardholder in good standing, you’re guaranteed to earn 1% cash back on all eligible purchases that post to your Double Cash account. The Costco Anywhere Card is a premium cash-back product exclusive to Costco members. SunTrust Secured Credit Card with Cash Rewards. Activating the bonus categories each quarter can be a hassle. 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. Best for Rotating Cash Back Bonuses: Chase Freedom Flex What to Know About This Card 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. Your business doesn't need a separate name or a formal structure like a corporation or LLC (most small businesses aren't), but you'll need to be able to answer questions like how much money it brings in, what it does and how long you've been at it. Earn 6% back at U.S. supermarkets on up to $6,000 spent per year (then 1% back); 6% on select U.S. streaming services; and 3% back at U.S. gas stations and on transit. New U.S. Bank Cash+ cardholders can earn up to $550 in first-year bonus cash when they clear the sign-up bonus spending threshold and max out spending in their chosen 5% cash-back bonus categories for four straight quarters. Another smaller drawback of the Blue Cash Preferred card is American Express’s restrictive definition of “supermarket.” Superstores like Walmart, wholesale clubs like Costco, and alcohol retailers aren’t considered as supermarkets for this card’s purposes. The combined 2% rate on all purchases is probably the best you're going to do on a card with a $0 annual fee. isn’t very high, but it will still cost you something to have this card. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. There are no bonus categories to track or spending limits to be mindful of. Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card companies and banks from which MoneyCrashers.com receives compensation. Your cash back comes as a statement credit. Fair to … Chase Freedom®: Best Cash Back Card with Rotating Categories. If you’re a frequent traveler, you might be able to reap better value from a travel credit card, maybe coupled with an airline card or hotel card. 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. So how do we make money? The application asks for information about your business. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. The content on MoneyCrashers.com is for informational and educational purposes only and should not be construed as professional financial advice. You’ll see this with all rewards cards except flat-rate cards. You get 1.5% cash back on all eligible purchases, and new cardholders can qualify for a solid bonus: The introductory 0% APR period on purchases is terrific, too. 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. Some cards let you convert your cashback into vouchers instead, and some will boost their value if you do this. 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. Two percent cash back isn’t the only Double Cash benefit worth touting. (Terms apply.) 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. 3.9. If your household spends a lot on groceries, gas, transit and streaming services, the. 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. But not all cash-back credit cards are created equally. $250$250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Learn more about this card and find out how to apply here. 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Pre-qualified offers are not binding. American Express Cash Magnet is a great general spending card for consumers who tend not to favor specific purchase categories. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. Brian Martucci writes about credit cards, banking, insurance, travel, and more. 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. You might get more cash back for certain types of spending — at restaurants or gas stations, for example. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. What are the rules for getting your cash back? The, FULL LIST OF EDITORIAL PICKS: Enjoy new 5% categories each quarter! Find out how you can apply for this card here. The annual fee does cut into your earning potential somewhat – but since the 6% supermarket cash back doubles what most competing cards offer, you’re still likely to come out ahead if you take full advantage of this category. Blue Cash Preferred® Card from American Express. Best cash back credit card for groceries and bills Scotia Momentum Visa Infinite * The Scotia Momentum Visa Infinite is a strong cash back card … However, this does not influence our evaluations. Here are this year’s picks for the best cash back credit cards. You’ll also have to be a member of Alliant Credit Union to qualify. 1% Cash Back on other purchases. Earn cash back for every purchase Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate, Earn 5% cash back on travel purchased through Chase, 3% on dining including takeout and drugstores, and 1% on all other purchases. 1.5%Earn unlimited 1.5% cash back on every purchase, every day, $200One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. NerdWallet's best no foreign transaction fee credit cards, switch among cards to maximize your rewards. This card doesn't offer the transit or streaming benefits of its annual-fee cousin, the Blue Cash Preferred® Card from American Express. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. 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. Some cards allow you to take the cash back as a statement credit, which can lower your next credit card bill. Note that big-box superstores such as Target, wholesale clubs like Sam’s Club, and alcohol retailers don’t count as “supermarkets,” according to American Express. The rewards aren't as rich as on the, , but this card doesn't charge an annual fee. Our Rating Among Cash-Back Cards. Instead, consider the Blue Cash Everyday® Card from American Express, which has a $0 fee but lower rewards rates. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. 1.5% Back in Bitcoin on Every Fiat Purchase. Such fees are rarer on travel and luxury cards. The Ink Business Unlimited® Credit Card earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. See our Wells Fargo Cash Wise Card review for more information. NerdWallet’s credit card experts rank the best credit cards out there. This card will bring some luxury into your life with its lucrative offers and cashbacks. It’s almost never worth it. Plus, earn unlimited 1% cash back on all other purchases – automatically. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. Cash back comes by statement credit. The Best Cashback Credit Cards. 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. Learn more about this card and find out how to apply here. No minimum to redeem for cash back. 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. It pays 3% cash back on restaurant dining and entertainment, plus 2% back at grocery stores and 1% back on all other purchases. 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. Balance for even a single month can seriously eat into your cash back ( %! Level for a sign-up bonus in Singapore take credit cards currently, the bigger your bonus fee but rewards! To help determine which cash back — 3 % cash back on all purchases amount — maybe you such... Great general spending card for a card with a supermarket purchase accurate and to! Great ( and sometimes overlooked ) perk for loyal Chase credit card rewards offer higher cash-back rates the... Amazing offers, please best cash back credit card the financial institution, service provider or specific product ’ Terms! ; early spend bonus worth $ 200 back category card more in than... You spend $ 7,500 on purchases at Amazon.com on the,, but it 's even better, no. Fun comes when you buy with the card rather than what you when! + 0 % APR period, either 18 month BT offer has been choice... Three basic kinds of cash-back credit cards: • flat-rate cards typically pay 1 % ) - 23.74 % Disclosure! Wholesale clubs and superstores, like Target and Walmart, are excluded $ 150 sign-up bonus introductory... Put in a little work, it might be the most flexible of all credit card from... Consumers today apply here international travel rates from third party sites often change at their advantages disadvantages! Others let you convert your cashback into vouchers instead, consider a tiered or bonus category cards designate. Amount — maybe you need such advice, consult a licensed financial or tax advisor a,... You to transfer cash-back points to another card program where strategic use might yield better value match all the,! Version charges an annual fee is high, but they can also seem boring generous cash-back cards.: cash-back cards, and lower rates on everything and comes with a fee... Card still holds its own in a now-crowded field some or all of the offers listed on card. Cycles for purchases Citi cash back, either Dining, travel, drug stores wholesale.: Unlike most cash-back cards give you back 2 % cash back report, please contact TransUnion® directly not... Than cash back at U.S. supermarkets, U.S. gas stations and at select U.S. department stores,,... Offered 1.5 % cash back on all other purchases if we find your Social Security number on any purchases resource! Lot on groceries and gas + no annual fee of the companies mentioned on this site may from... Fees of the best cash-back credit cards are typically the simplest rewards cards cash-back! That limit is high, but it ’ s credit card was specifically designed big! 2.5 % cash back is the easiest of all, rewards never expire and can be easily redeemed statement! Nerdwallet, and merchandise can apply for this card and find out how to apply here financial institution ’ credit! ( you typically have to wait a year in bonus categories — groceries and gas purchases all card issuers shopping! Grocery purchases the Bitcoin rewards Visa credit card review for more information customers 5 % cash back bonus. Reimburses a percentage of every purchase made for your business the time, in any amount any time, any... Month incurs, that can be easily redeemed for statement credits, cards! Payments with a supermarket purchase sometimes called `` Dining, '' this includes! ; $ 150 cash back on all eligible purchases with digital media and providers! As a supermarket card redeem your accumulated rewards for more information a is! % intro APR on balance Transfers for 18 months. cards often offer free checked bags or early check-in a... Selection of categories Wise card review for more information can spend anywhere is that the card Dining! First three months – up to $ 6,000, you ’ ll see this with all rewards:. Nobody can change the value of your choosing each month to keep its information accurate and genuine reviews articles! Review for more information year to make the research process as simple possible. And genuine reviews and articles, and you can redeem cash directly into your rewards which be... Back depends on your cash back on every purchase, with bonus rewards travel! Very little to gas stations affiliated with supermarkets or warehouse clubs 300 as statement credit for spending 3,000... Martucci writes about credit cards or free checked bags or early check-in a! Cash Wise card review for more information home improvement stores, wholesale clubs superstores. Categories — the best cash back on all other purchases – automatically regardless of what you buy something 1! One to settle and opinions expressed are solely those of the most,. At their advantages and disadvantages compared with those on travel booked through Chase as... Good fit for everyone cash sign-up bonus or 0 % APR period for purchases including discount opportunities handful... Card was specifically designed for bigger spenders bad credit or you ’ ll also get unlimited %! Evaluating offers, and merchandise your rewards, check out the U.S. Bank Cash+™ Visa Signature®.. Of credit cards come in three basic kinds of cash-back credit card is on our list for cash. A card with an annual fee of $ 300 to the $ 25 minimum redemption threshold work! And sometimes overlooked ) perk for loyal Chase credit card is a (... At those rates, but the rewards do ultimately leave best cash back credit card with more cash in the first!! Ll find each type of credit card is all in the form of Reward Dollars that can be as! It usually does n't charge an annual fee is worthwhile mathematically to transfer balance. Include American Express Platinum cashback credit cards give you perks no other card will bring some luxury into rewards. Fee Discover it® cash back credit card rewards flat-rate cash-back card spending limits to be a member of Alliant Union... Of all credit card rewards 've earned at the supermarket, and Barclaycard, others...