Should I get a cash back card or a travel card?

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. If you don’t travel often enough to justify an annual fee or want more redemption flexibility, a cash back card may be better for travel.

Do cash back cards actually give you cash?

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.

Is cash back from a credit card taxable?

Generally, the cash back earned with a credit card is not considered taxable income. Learn more about what credit card rewards can be considered taxable.

Does cash back expire?

Many cards offer cash back rewards that never expire, as long as your account remains open and in good standing. However, not every issuer has this policy, so it’s best to check the terms and conditions before applying.

Should I save up cash back rewards?

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.

Are cash back credit cards worth it?

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. Here’s a few alternatives and how they may differ. Cash back vs. rewards credit cards: A rewards credit card earns points or miles instead of cash back. You can redeem these points in various ways, including gift cards, travel and statement credits, which can grant them even more flexibility than a cash back card. A few point-based rewards programs let you redeem for cash back at an equal value and still allow you to maximize your points’ travel value with transfer partners. Cash back vs. travel credit cards: Travel credit cards typically earn miles instead of cash back, and are best if you want to redeem your rewards for flights and hotel stays. However, travel miles often lose value when redeemed toward cash back. Frequent travelers can take advantage of a travel card’s additional benefits to cut down on travel costs. You can choose from general travel credit cards, airline credit cards and hotel credit cards.

15 Best Cash Back Credit Cards - July 2024

Is the Wells Fargo Active Cash worth it?<\/a> Alternatives:<\/strong> The Citi Double Cash\u00ae Card is the card\u2019s closest competitor and offers a similar cash back rate after you make and pay off a purchase. 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.<\/div>","pros_and_cons_header":"What you should know","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."],"cons":["The intro balance transfer fee will jump from 3 percent to up to 5 percent after the first 120 days from account opening (min: $5).","The 3 percent foreign currency conversion fee could eat into cash rewards if you use this card abroad."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"It offers one of the highest flat cash back rates out there, an excellent intro APR offer and an easy-to-earn bonus."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" >

Best for flat-rate rewards

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Wells Fargo Active Cash® Card

Bankrate score

4.3

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.

Bankrate review

Bankrate score

4.3

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Wells Fargo's secure site

See Rates & Fees

Intro offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 cash rewards

Rewards rate

Earn unlimited 2% cash rewards on purchases.

2%

Annual fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Why you’ll like this card: It offers one of the highest flat cash back rates out there, an excellent intro APR offer and an easy-to-earn bonus.

- 2% Earn unlimited 2% cash rewards on purchases
What we love: If you’d rather not keep up with bonus categories or track spending, this card should be a great fit. 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?

Alternatives: The Citi Double Cash® Card is the card’s closest competitor and offers a similar cash back rate after you make and pay off a purchase. 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.
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.

Cons

The intro balance transfer fee will jump from 3 percent to up to 5 percent after the first 120 days from account opening (min: $5).

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.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Is the Amex Blue Cash Everyday worth it?<\/a> Alternatives: <\/strong>If you want a bit more flexibility in your categories, The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America\u00ae Customized Cash Rewards credit card<\/a> lets you choose your own eligible bonus category each month, with options including online shopping, gas stations, travel and more. Plus, you\u2019ll still earn bonus cash back year round at both grocery stores and wholesale clubs. <\/div>","pros_and_cons_header":"What you should know","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.","Any purchase classified as an online retail purchase by the merchant earns bonus cash back, so you aren\u2019t limited to just a few online stores as you would be with co-branded cards."],"cons":["You can only redeem cash back as a statement credit. You won\u2019t have the flexibility to redeem for travel or transfer to airline and hotel partners as you can with cards that earn Amex Membership Rewards.","Its cash back rates fall short of the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//blue-cash-preferred-card-from-american-express///">Blue Cash Preferred\u00ae Card from American Express<\/a>, so that alternative may be more lucrative if you spend heavily on groceries \u2014 despite its annual fee."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"Its cash back rates in everyday spending categories are among the best available on a no-annual-fee card."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Editor's Pick","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for online shopping

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Blue Cash Everyday® Card from American Express

Bankrate score

4.6

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.

Bankrate review

Bankrate score

4.6

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Earn $200

Rewards rate

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.

1% - 3%

Annual fee

$0

APR

19.24% - 29.99% Variable

Why you’ll like this card: Its cash back rates in everyday spending categories are among the best available on a no-annual-fee card.

- 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- 1% 1% Cash Back on other purchases.
What we love: This card not only rewards online purchases (a surprisingly hard-to-find bonus category), but also two of the average person’s biggest everyday spending categories — groceries and gas. 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. Plus, you’ll still earn bonus cash back year round at both grocery stores and wholesale clubs.
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.

Any purchase classified as an online retail purchase by the merchant earns bonus cash back, so you aren’t limited to just a few online stores as you would be with co-branded cards.

Cons

You can only redeem cash back as a statement credit. You won’t have the flexibility to redeem for travel or transfer to airline and hotel partners as you can with cards that earn Amex Membership Rewards.

Its cash back rates fall short of the Blue Cash Preferred® Card from American Express, so that alternative may be more lucrative if you spend heavily on groceries — despite its annual fee.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.

Discover/u2019s boosted cash back categories<\/a> each quarter (enrollment required, quarterly maximum applies). This makes it a good choice for deal hunters looking to maximize their earnings. Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//is-discover-it-cash-back-worth-it///">Is the Discover it Cash Back worth it?<\/a> Alternatives:<\/strong> You may earn more with a flat-rate cash rewards card like the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//citi-double-cash-card///">Citi Double Cash\u00ae Card<\/a> or Wells Fargo Active Cash\u00ae Card without the hassle of activating new bonus categories each quarter.<\/div>","pros_and_cons_header":"What you should know","pros":["Discover matches the cash back you earn at the end of the first year \u2014 an offer that could be more valuable than the average no-annual-fee card bonus.","Discover\u2019s cash back calendar offers terrific variety, which could include a mix of everyday categories like groceries and extras like online shopping."],"cons":["You must enroll to take advantage of the bonus categories each quarter, so it\u2019s not a great fit if you\u2019re looking for simplicity.","You\u2019ll only earn a top rewards rate on your first $1,500 in spending each quarter, so it\u2019s not ideal for large purchases or big spenders."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"The rotating categories and Cashback Match bonus allow you to earn massive cash back on a huge variety of purchases."},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Price Protection","image":"962b66cf9ebead0f099a67dad29bc23c.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Rotating Cash Back Categories","image":""},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for rotating categories

Add to compare

Discover it® Cash Back

Bankrate score

4.4

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.

Bankrate review

Bankrate score

4.4

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Discover's secure site

See Rates & Fees

Intro offer

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

Rewards rate

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR

Why you’ll like this card: The rotating categories and Cashback Match bonus allow you to earn massive cash back on a huge variety of purchases.

- 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
- 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.
What we love: Its elevated rewards rates can be especially rewarding if you flex your spending to align with Discover’s boosted cash back categories each quarter (enrollment required, quarterly maximum applies). 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.
Pros

Discover matches the cash back you earn at the end of the first year — an offer that could be more valuable than the average no-annual-fee card bonus.

Discover’s cash back calendar offers terrific variety, which could include a mix of everyday categories like groceries and extras like online shopping.

Cons

You must enroll to take advantage of the bonus categories each quarter, so it’s not a great fit if you’re looking for simplicity.

You’ll only earn a top rewards rate on your first $1,500 in spending each quarter, so it’s not ideal for large purchases or big spenders.
- Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.

Is the Capital One SavorOne worth it?<\/a> Alternatives:<\/strong> Other cards may earn more in specific categories, including the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//citi-custom-cash-card///">Citi Custom Cash\u00ae Card<\/a>, which offers 5 percent back on up to $500 in purchases each billing cycle in your top eligible spending category -  1% cash back thereafter (restaurants, grocery stores, gas stations and more).<\/div>","pros_and_cons_header":"What you should know","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.com, as there is a list of <a href=https://www.bankrate.com/"https:////www.amazon.com//gp//help//customer//display.html?nodeId=G4MVF6PVLLARQACD\%22>restricted items<\/a> you can\u2019t use rewards on.","Its ongoing APR is on the high side and could prove pricey if you tend to carry a balance."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"You\u2019ll get a great rewards rate at both restaurants and grocery stores, making it a great pick for foodies of all stripes."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Capital One","image":null},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for dining

Add to compare

Capital One SavorOne Cash Rewards Credit Card

Bankrate score

5.0

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.

Bankrate review

Bankrate score

5.0

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$200

Rewards rate

8% Cash Back on Capital One Entertainment purchases. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Cash Back on all other purchases.

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: You’ll get a great rewards rate at both restaurants and grocery stores, making it a great pick for foodies of all stripes.

- 8% 8% Cash Back on Capital One Entertainment purchases
- 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% 1% Cash Back on all other purchases
What we love: This card earns a solid cash back rate whether you’re out on the town, cooking at home or ordering in, so restaurant-goers, grocery shoppers and even social butterflies can find something to love. 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?

Alternatives: Other cards may earn more in specific categories, including the Citi Custom Cash® Card, which offers 5 percent back on up to $500 in purchases each billing cycle in your top eligible spending category - 1% cash back thereafter (restaurants, grocery stores, gas stations and more).
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.com, as there is a list of restricted items you can’t use rewards on.

Its ongoing APR is on the high side and could prove pricey if you tend to carry a balance.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee

Why the Citi Double Cash Card is great for paying off debt<\/a> Alternatives:<\/strong> If you need to make a large purchase and want to save on interest with an intro APR, the  <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//wells-fargo-active-cash-card///">Wells Fargo Active Cash\u00ae Card<\/a> may <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//wells-fargo-active-cash-vs-citi-double-cash///">better fit your needs<\/a>. It earns the same flat-rate rewards on purchases but comes with a long intro APR offer on both purchases and balance transfers.<\/div>","pros_and_cons_header":"What you should know","pros":["If you pair this card with a premium Citi travel card, you can transfer points to airline and hotel partners and potentially enjoy a higher redemption value.","You don't have to keep track of spending category restrictions or rotating categories."],"cons":["You could earn more with a card that offers a higher rewards rate in your biggest spending categories.","Its introductory APR offer only covers balance transfers \u2014 not purchases \u2014 so it won\u2019t be of much help if you need to chip away at new spending."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"Its flat cash back rate makes it easy to maximize rewards on nearly any purchase."},"program":{"id":47,"name":"Citi ThankYou Points (all other cards)","active_rate":{"id":48,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Editor's Pick","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Fair Credit","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for balance transfers

Add to compare

Citi Double Cash® Card

Bankrate score

4.2

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.

Bankrate review

Bankrate score

4.2

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Citi's secure site

See Rates & Fees

Intro offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$200 cash back

Rewards rate

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

1% - 5%

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Why you’ll like this card: Its flat cash back rate makes it easy to maximize rewards on nearly any purchase.

- 1% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
- 5% Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
What we love: Ideal for fans of easy-to-manage rewards, this card’s unlimited flat cash back rate makes it a perfect 'catch-all' option if you need a low-maintenance card that can also easily stack with other cards. It’s also one of the rare few cash back cards with an intro APR that rivals many balance transfer card offers, which makes it excellent if you want more long-term value than a typical zero-interest card provides.

Learn more: Why the Citi Double Cash Card is great for paying off debt

Alternatives: If you need to make a large purchase and want to save on interest with an intro APR, the Wells Fargo Active Cash® Card may better fit your needs. It earns the same flat-rate rewards on purchases but comes with a long intro APR offer on both purchases and balance transfers.
Pros

If you pair this card with a premium Citi travel card, you can transfer points to airline and hotel partners and potentially enjoy a higher redemption value.

You don't have to keep track of spending category restrictions or rotating categories.

Cons

You could earn more with a card that offers a higher rewards rate in your biggest spending categories.

Its introductory APR offer only covers balance transfers — not purchases — so it won’t be of much help if you need to chip away at new spending.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Is the Amex Blue Cash Preferred worth it?<\/a> Alternatives:<\/strong> If groceries are your top spending category, the Citi Double Cash\u00ae 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.<\/div>","pros_and_cons_header":"What you should know","pros":["It offers high rewards rates in a practical mix of everyday categories in addition to groceries, including gas and transit. That makes it a good choice if you\u2019re focused on long-term value.","You don\u2019t have to keep track of rotating spending categories or enrollment deadlines."],"cons":["Purchases at wholesale clubs (like Costco), superstores (like Walmart), and specialty stores are excluded from the card\u2019s U.S. supermarket bonus category and only earn 1 percent back.","Since you can only redeem cash rewards as a statement credit, this card lacks the value and flexibility of some Amex cards that earn Membership Rewards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"It boasts one of the best cash back rates you can get at U.S. supermarkets, giving it more value than many no-annual-fee cards."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"American Express","image":null},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for groceries

Add to compare

Blue Cash Preferred® Card from American Express

Bankrate score

4.4

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.

Bankrate review

Bankrate score

4.4

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Earn $250

Rewards rate

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

19.24% - 29.99% Variable

Why you’ll like this card: It boasts one of the best cash back rates you can get at U.S. supermarkets, giving it more value than many no-annual-fee cards.

- 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% 6% Cash Back on select U.S. streaming subscriptions.
- 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% 3% Cash Back at U.S. gas stations
- 1% 1% Cash Back on other purchases
What we love: This card offers one of the highest rewards rates you can get at U.S. supermarkets, making the annual fee more than worth it if you spend a lot on groceries. It’s the perfect choice for families who can offset the card’s annual fee with rewards and then some.

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.
Pros

It offers high rewards rates in a practical mix of everyday categories in addition to groceries, including gas and transit. That makes it a good choice if you’re focused on long-term value.

You don’t have to keep track of rotating spending categories or enrollment deadlines.

Cons

Purchases at wholesale clubs (like Costco), superstores (like Walmart), and specialty stores are excluded from the card’s U.S. supermarket bonus category and only earn 1 percent back.

Since you can only redeem cash rewards as a statement credit, this card lacks the value and flexibility of some Amex cards that earn Membership Rewards.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.

Is the Chase Freedom Unlimited worth it?<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//wells-fargo-active-cash-card///">Wells Fargo Active Cash\u00ae Card<\/a> is a good alternative if you want a card with a great flat rate on purchases. You won\u2019t have to worry about bonus categories, and it comes with a solid intro APR offer. <\/div>","pros_and_cons_header":"What you should know","pros":["This card earns an elevated flat rate and bonus rates in many categories, making it an ideal choice for a standalone cash back card.","It has a solid APR offer available for a no-annual-fee card, making it a great choice to consolidate debt or make large purchases."],"cons":["You might want to explore premium cards if you want better travel benefits or higher welcome offers.","Other no-annual-fee cards earn a higher flat cash back rate on purchases, which can be more useful if you won\u2019t use the bonus categories on this card."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"It features practical bonus categories, earns valuable, flexible points and pairs well with premium travel cards."},"program":null,"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Purchase Protection","image":"9524b9f2b1d3c84068061b9c0f720bcd.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel Accident Insurance","image":"9148b97046b15a99a3744622d7b3b285.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for drugstores and dining

Add to compare

Chase Freedom Unlimited®

Bankrate score

4.8

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.

Bankrate review

Bankrate score

4.8

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Rewards rate

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

1.5% - 5%

Annual fee

$0

Regular APR

20.49% - 29.24% Variable

Why you’ll like this card: It features practical bonus categories, earns valuable, flexible points and pairs well with premium travel cards.

- 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
- 1.5% 1.5% cash back on all other purchases.
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. You won’t have to worry about bonus categories, and it comes with a solid intro APR offer.
Pros

This card earns an elevated flat rate and bonus rates in many categories, making it an ideal choice for a standalone cash back card.

It has a solid APR offer available for a no-annual-fee card, making it a great choice to consolidate debt or make large purchases.

Cons

You might want to explore premium cards if you want better travel benefits or higher welcome offers.

Other no-annual-fee cards earn a higher flat cash back rate on purchases, which can be more useful if you won’t use the bonus categories on this card.
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC

Is Capital One Quicksilver worth it? <\/a> Alternatives:<\/strong> 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 <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America\u00ae Customized Cash Rewards credit card<\/a>. That card even gives you the option to change your highest-earning cash back category once per calendar month.<\/div>","pros_and_cons_header":"What you should know","pros":["You can take advantage of perks like up to six months of complimentary Uber One membership statement credits (through 11\/14\/2024) and a relatively long intro APR offer.","The sign-up bonus has one of the lowest spending requirements around, so it's easy to attain."],"cons":["Other cards on the market offer a higher flat cash back rate, with several offering 2 percent back or more.","A few no-annual-fee cash back cards offer longer intro APR periods on both purchases and balance transfers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s a great starter card thanks to its streamlined rewards and easy-to-earn welcome bonus."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Capital One","image":null},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for simplicity

Add to compare

Capital One Quicksilver Cash Rewards Credit Card

Bankrate score

3.8

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.

Bankrate review

Bankrate score

3.8

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

$200

Rewards rate

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn unlimited 1.5% cash back on every purchase, every day.

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It’s a great starter card thanks to its streamlined rewards and easy-to-earn welcome bonus.

- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
What we love: This card is a solid low-maintenance option if you’re just getting started earning cash back rewards. 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.
Pros

You can take advantage of perks like up to six months of complimentary Uber One membership statement credits (through 11/14/2024) and a relatively long intro APR offer.

The sign-up bonus has one of the lowest spending requirements around, so it's easy to attain.

Cons

Other cards on the market offer a higher flat cash back rate, with several offering 2 percent back or more.

A few no-annual-fee cash back cards offer longer intro APR periods on both purchases and balance transfers.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Bank of America\u00ae Customized Cash Rewards credit card<\/a> lets you change your customizable category every month, while the TD card lets you change it every quarter. Consider the Bank of America card if you\u2019d like to change your categories as often as possible.<\/div>","pros_and_cons_header":"What you should know","pros":["The category choices and no spending caps make it possible to earn tons of cash back with this card.","It has a decent sign-up bonus that provides upfront value to new cardholders."],"cons":["This card is only available in a handful of states and Washington, D.C., restricting applicants\u2019 eligibility.","The grocery category excludes wholesale clubs and superstores."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":"Only Available in 15 East Coast States and D.C.","limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s more flexible than the average cash back card since it lets you pick the two everyday bonus categories that fit you best."},"program":null,"tags":[]})" >

Only Available in 15 East Coast States and D.C.

Best for quarterly customizable categories

Add to compare

TD Cash Credit Card

Bankrate score

4.0

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.

Bankrate review

Bankrate score

4.0

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.

Bankrate review

See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on TD Bank's secure site

See Rates & Fees

Intro offer

Earn $150 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.

$150 Cash Back

Rewards rate

5% cash back on gas station purchases for six months or up to $6,000 in spend, whichever comes first. Earn 3% and 2% Cash Back on your choice of spend categories. Earn 1% Cash Back on all other eligible purchases.

Earn 1% Cash Back - Earn 5% Cash Back

Annual fee

None

Regular APR

20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.

Why you’ll like this card: It’s more flexible than the average cash back card since it lets you pick the two everyday bonus categories that fit you best.

- Earn 5% Cash Back 5% cash back on gas station purchases for six months or up to $6,000 in spend, whichever comes first.
- Earn 3% and 2% Cash Back Earn 3% and 2% Cash Back on your choice of spend categories.
- Earn 1% Cash Back Earn 1% Cash Back on all other eligible purchases.
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. Consider the Bank of America card if you’d like to change your categories as often as possible.
Pros

The category choices and no spending caps make it possible to earn tons of cash back with this card.

It has a decent sign-up bonus that provides upfront value to new cardholders.

Cons

This card is only available in a handful of states and Washington, D.C., restricting applicants’ eligibility.

The grocery category excludes wholesale clubs and superstores.
- Limited Time Offer: Earn 5% Cash Back on gas with the TD Cash Credit Card plus a $150 Cash Back bonus.
- Earn $150 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
- 5% cash back on gas station purchases for six months or up to $6,000 in spend, whichever comes first.
- Choose your top two spend categories to earn unlimited 3% and 2% Cash Back. Earn unlimited 1% Cash Back on all other eligible purchases.
- Switch spend categories up to four times a year.
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

Is the Bank of America Customized Cash Rewards credit card worth it?<\/a> Alternatives:<\/strong> This card\u2019s cash back limits may hold you back compared to other cards\u2019 reward programs. Heavy spenders may earn more with a card that offers an unlimited flat rewards rate on all purchases, such as the Citi Double Cash\u00ae Card.<\/div>","pros_and_cons_header":"What you should know","pros":["You can swap your choice category once per calendar month to maximize rewards based on your spending habits.","It\u2019s one of the few cards that earns bonus rewards year round at both grocery stores and wholesale clubs (a hard-to-find bonus category)."],"cons":["The spending cap on your highest earning categories could hamper your earning potential.","It carries a high sign-up bonus spending requirement (twice as high as some rivals in the cash back card category)."],"exclusive_offer_text":"Choose your 3% category","creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"You\u2019ll get a top rewards rate in one category of your choice without sacrificing rewards on everyday spending."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"FICO Score","image":"3c51fb9d53203e43288b4d33bc8ffb99.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null},{"name":"Popular","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Tiered Rewards","image":null},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for flexibility

Add to compare

Bank of America® Customized Cash Rewards credit card

Bankrate score

4.3

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.

Bankrate review

Bankrate score

4.3

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Bank of America's secure site

Intro offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

$200

Rewards rate

Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.

1% - 3%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: You’ll get a top rewards rate in one category of your choice without sacrificing rewards on everyday spending.

- 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- 1% Earn unlimited 1% on all other purchases.
What we love: This card is a terrific choice for people who want flexibility in how they earn their rewards, as it’s one of the few that lets you change your highest-earning bonus category as often as once a month. 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?

Alternatives: This card’s cash back limits may hold you back compared to other cards’ reward programs. 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.
Pros

You can swap your choice category once per calendar month to maximize rewards based on your spending habits.

It’s one of the few cards that earns bonus rewards year round at both grocery stores and wholesale clubs (a hard-to-find bonus category).

Cons

The spending cap on your highest earning categories could hamper your earning potential.

It carries a high sign-up bonus spending requirement (twice as high as some rivals in the cash back card category).
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- 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.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Is the Bank of America Unlimited Cash Rewards worth it?<\/a> Alternatives:<\/strong> If you don\u2019t qualify for Bank of America\u2019s boosted cash back rates, the Wells Fargo Active Cash\u00ae Card may be your best choice for earning flat-rate cash rewards on general spending.<\/div>","pros_and_cons_header":"What you should know","pros":["Bank of America Preferred Rewards\u00ae members can boost their cash rewards earnings by 25 to 75 percent, greatly increasing the card\u2019s rewards potential.","The card offers additional features with its intro APR on purchases and balance transfers."],"cons":["This card is light on benefits and perks compared to other cash back cards.","The lowest tier for a boosted cash back rate requires at least a $20,000 average balance across qualifying accounts, which may be hard to reach for many people."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"Thanks to Bank of America\u2019s Preferred Rewards program, this card can offer perhaps the highest flat cash back rate on the market."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Flat Rate Rewards","image":null},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null}]})" >

Best for Bank of America customers

Add to compare

Bank of America® Unlimited Cash Rewards credit card

Bankrate score

3.8

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.

Bankrate review

Bankrate score

3.8

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Bank of America's secure site

Intro offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

$200

Rewards rate

Earn unlimited 1.5% cash back on all purchases.

1.5%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: Thanks to Bank of America’s Preferred Rewards program, this card can offer perhaps the highest flat cash back rate on the market.

- 1.5% Earn unlimited 1.5% cash back on all purchases.
What we love: This card offers a solid mix of features, including an elevated cash rewards rate on all purchases. But if you qualify for the Platinum Tier or higher in Bank of America’s Preferred Rewards program, you can get a cash back boost that transforms the card into one of the most lucrative flat-rate rewards cards available.

Learn more: Is the Bank of America Unlimited Cash Rewards worth it?

Alternatives: If you don’t qualify for Bank of America’s boosted cash back rates, the Wells Fargo Active Cash® Card may be your best choice for earning flat-rate cash rewards on general spending.
Pros

Bank of America Preferred Rewards® members can boost their cash rewards earnings by 25 to 75 percent, greatly increasing the card’s rewards potential.

The card offers additional features with its intro APR on purchases and balance transfers.

Cons

This card is light on benefits and perks compared to other cash back cards.

The lowest tier for a boosted cash back rate requires at least a $20,000 average balance across qualifying accounts, which may be hard to reach for many people.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Is the Citi Custom Cash worth it?<\/a> Alternatives:<\/strong> Since you\u2019ll only earn a top rewards rate in a single category each billing cycle, consider pairing this card with one that earns boosted rewards in several categories. For example, the Capital One SavorOne Cash Rewards Credit Card earns unlimited rewards on dining, entertainment, grocery stores and more.<\/div>","pros_and_cons_header":"What you should know","pros":["Since the card automatically earns rewards in your top eligible spending category each billing cycle, you won\u2019t have to worry about strategizing to maximize rewards.","It offers great flexibility thanks to its mix of everyday bonus categories like gas and groceries, plus extras like fitness clubs and live entertainment."],"cons":["You\u2019ll only earn a top cash back rate on the first $500 you spend in one eligible category each billing cycle (1 percent after that), so this may not be the best standalone option if you\u2019re looking to maximize rewards.","The card\u2019s sign-up bonus carries a much higher spending requirement than many competing offers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"Its top-rate customizable bonus category makes it a uniquely versatile option, especially when you pair it with other Citi cards."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Fair Credit","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for stacking

Add to compare

Citi Custom Cash® Card

Bankrate score

4.4

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.

Bankrate review

Bankrate score

4.4

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.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Citi's secure site

See Rates & Fees

Intro offer

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

$200

Rewards rate

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

1% - 5%

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Why you’ll like this card: Its top-rate customizable bonus category makes it a uniquely versatile option, especially when you pair it with other Citi cards.

- 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- 4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- 1% Earn unlimited 1% cash back on all other purchases.
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. But by “simple,” we don’t mean low-value — this card has an excellent cash back rate in its automatic bonus category.

Learn more: Is the Citi Custom Cash worth it?

Alternatives: Since you’ll only earn a top rewards rate in a single category each billing cycle, consider pairing this card with one that earns boosted rewards in several categories. For example, the Capital One SavorOne Cash Rewards Credit Card earns unlimited rewards on dining, entertainment, grocery stores and more.
Pros

Since the card automatically earns rewards in your top eligible spending category each billing cycle, you won’t have to worry about strategizing to maximize rewards.

It offers great flexibility thanks to its mix of everyday bonus categories like gas and groceries, plus extras like fitness clubs and live entertainment.

Cons

You’ll only earn a top cash back rate on the first $500 you spend in one eligible category each billing cycle (1 percent after that), so this may not be the best standalone option if you’re looking to maximize rewards.

The card’s sign-up bonus carries a much higher spending requirement than many competing offers.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.

Wells Fargo Active Cash\u00ae Card<\/a> may be a better fit.<\/div>","pros_and_cons_header":"What you should know","pros":["One of the best flat cash back rates available without spending caps or bonus categories.","Automatically get cell phone protection when you pay your monthly phone bill with your Double Up card."],"cons":["This card is only available in a handful of states and Washington, D.C., restricting applicants\u2019 eligibility.","The welcome offer is weak compared to other cash back cards\u2019 offers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":"Only Available in 15 East Coast States and D.C.","limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"You\u2019ll unlock both a solid flat rewards rate and a chance to chip away at debt with an intro APR."},"program":null,"tags":[]})" >

Only Available in 15 East Coast States and D.C.

Best for TD Bank customers

Add to compare

TD Double Up Credit Card

Bankrate score

4.0

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.

Bankrate review

Bankrate score

4.0

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.

Bankrate review

See Terms

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on TD Bank's secure site

See Rates & Fees

Intro offer

Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening

$150 Cash Back

Rewards rate

Earn unlimited 2% Cash Back on all eligible purchases.

2% Cash Back

Annual fee

None

Regular APR

20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.

Why you’ll like this card: You’ll unlock both a solid flat rewards rate and a chance to chip away at debt with an intro APR.

- 2% Cash Back Earn unlimited 2% Cash Back on all eligible purchases
What we love: With the TD Double Up Credit Card, you earn 2 percent cash back on all eligible purchases without spending caps restricting your rewards potential. That makes this one of the most rewarding flat-rate cards outside a major issuer, especially if you prefer the convenience of keeping your cards with one bank or your financial history with TD Bank could help you qualify.

Alternatives: If you want a stronger welcome offer as well as an intro APR offer on purchases, the Wells Fargo Active Cash® Card may be a better fit.
Pros

One of the best flat cash back rates available without spending caps or bonus categories.

Automatically get cell phone protection when you pay your monthly phone bill with your Double Up card.

Cons

This card is only available in a handful of states and Washington, D.C., restricting applicants’ eligibility.

The welcome offer is weak compared to other cash back cards’ offers.
- Balance transfers: 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.
- Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
- Earn unlimited 2% Cash Back on all eligible purchases
- No reward categories, no caps, no worries.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

15 Best cash back credit cards for July 2024

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Table of contents

Why choose Bankrate

Best Cash Back Credit Cards of July 2024

Table of contents

Wells Fargo Active Cash® Card

Blue Cash Everyday® Card from American Express

Discover it® Cash Back

Capital One SavorOne Cash Rewards Credit Card

Citi Double Cash® Card

Blue Cash Preferred® Card from American Express

Chase Freedom Unlimited®

Capital One Quicksilver Cash Rewards Credit Card

TD Cash Credit Card

Bank of America® Customized Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

Citi Custom Cash® Card

TD Double Up Credit Card