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Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
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Cash back credit cards earn a small percentage of your purchases back, redeemable in the form of statement credits, gift cards, direct deposits or more. Many of these cards earn cash back on eligible categories automatically, with some requiring quarterly activations to achieve the highest rate. The best cash back cards on the market offer high cash back rates and flexible reward categories, letting you earn anywhere from 1 percent to 6 percent cash back on common spending items, including travel, groceries, gas and more. Here are the best cash back cards on the market for 2024.
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We helped over 200,000 users compare cash back cards in 2023
We valued and compared over 50 cash back programs
Over 47 years of experience helping people make smart financial decisions
Why choose Bankrate
We helped over 200,000 users compare cash back cards in 2023
We valued and compared over 50 cash back programs
Over 47 years of experience helping people make smart financial decisions
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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards .
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.
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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.
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Is the Wells Fargo Active Cash worth it?<\/a><br><br><strong>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":[]})"
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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.
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.
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.
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.
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><br><br><strong>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"}]})"
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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.
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.
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.
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.
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. <br><br><strong>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><br><br><strong>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"}]})"
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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.
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.
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.
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.
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><br><br><strong>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"}]})"
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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.
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.
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.
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.
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> <br><br><strong>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"}]})"
>
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.
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.
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.
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.
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> <br><br><strong>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"}]})"
>
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.
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.
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.
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.
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><br><br><strong>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"}]})"
>
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.
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.
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.
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.
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><br><br><strong>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"}]})"
>
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.
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.
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.
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.
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":[]})"
>
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.
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.
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.
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><br><br><strong>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"}]})"
>
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.
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.
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.
$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.
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><br><br><strong>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}]})"
>
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.
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.
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.
$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.
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><br><br><strong>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"}]})"
>
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.
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.
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.
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.
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":[]})"
>
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.
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.
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.
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.
Citi Double Cash\u00ae Card<\/a> could offer better long-term value since it earns 2 percent cash back on all purchases (1 percent when you buy and 1 percent when you pay off purchases).<\/div>","pros_and_cons_header":"What you should know","pros":["You don't have to worry about a complicated rewards program or rotating categories. A flat rewards rate makes earning cash back simple and straightforward.","It charges no foreign transaction fees and comes with a few key travel protections, making it an especially great companion for USAA members who live or frequently travel abroad."],"cons":["Limited to only USAA members","Several competing cash back cards offer a higher flat rewards rate \u2014 2 percent back or higher \u2014 while still charging no 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":"It\u2019s ultra-simple, making it easy for USAA members to earn rewards on everyday spending while minimizing interest."},"program":null,"tags":[]})"
>
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.
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.
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.
Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
Earn a $200 reward bonus
Rewards rate
Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
1.5% cash back
Annual fee
$0
Regular APR
17.15% to 29.15% variable
Why you’ll like this card:It’s ultra-simple, making it easy for USAA members to earn rewards on everyday spending while minimizing interest.
1.5% cash back
Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
What we love: USAA members looking for simple, flat-rate rewards will find a lot to love with this card. It offers an unlimited flat rewards rate, straightforward redemption options, an intro APR on purchases and a chance at a low ongoing APR.
Alternatives: Though this card comes with a few key perks like an intro offer, its flat cash back rate isn’t the highest on the market. A card like the Citi Double Cash® Card could offer better long-term value since it earns 2 percent cash back on all purchases (1 percent when you buy and 1 percent when you pay off purchases).
Pros
You don't have to worry about a complicated rewards program or rotating categories. A flat rewards rate makes earning cash back simple and straightforward.
It charges no foreign transaction fees and comes with a few key travel protections, making it an especially great companion for USAA members who live or frequently travel abroad.
Cons
Limited to only USAA members
Several competing cash back cards offer a higher flat rewards rate — 2 percent back or higher — while still charging no annual fee.
Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
Auto Deductible Reimbursement (up to $200).
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
No annual fee.
Cash back rewards never expire.
Redeem cash back your way, on your schedule.
No foreign transaction fees.
17.15% to 29.15% variable regular APR.
Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
See Rates and Fees for details.
Is the Upgrade Cash Rewards Elite Visa worth it?<\/a><br><br><strong>Alternatives:<\/strong> You may want to consider a card that offers both cash back and an intro APR for new purchases. The Discover it\u00ae Cash Back is one great pick and would allow you to finance a large purchase while racking up rewards.<\/div>","pros_and_cons_header":"What you should know","pros":["Since there\u2019s no annual fee, you won\u2019t need to rely on reward earnings to offset card costs.","You\u2019ll earn a bonus after you open a Rewards Checking account and make three debit card transactions in your first 60 days."],"cons":["The high-end APR range is much higher than the average card APR and could prove costly if you end up carrying a balance.","You won\u2019t get a break on interest if you carry a balance since there are no intro APR offers on purchases or balance transfers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":2,"review_category":null,"whyLikeThis":"It carries a relatively low APR and can help you save on everyday spending with its better-than-average flat rewards rate."},"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":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Personal","image":null},{"name":"Price Protection","image":"962b66cf9ebead0f099a67dad29bc23c.png"},{"name":"Roadside Assistance","image":"aa9e23720be9c22177565be427797d94.png"},{"name":"Travel Assistance","image":"26421ca115c6cf8f5b77f401ccc2b7e3.png"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})"
>
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.
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.
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.
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
$200
Rewards rate
Earn 2.2% unlimited cash back on card purchases every time you make a payment.
2.2%
Annual fee
$0
Regular APR
14.99% - 29.99%
Why you’ll like this card:It carries a relatively low APR and can help you save on everyday spending with its better-than-average flat rewards rate.
2.2%
Earn 2.2% unlimited cash back on card purchases every time you make a payment
What we love: This card combines the convenience of a credit card with the predictability of an installment loan, allowing you to earn rewards as you pay off purchases at a fixed interest rate. Plus, it carries one of the highest flat cash back rates you can get with no annual fee.
Alternatives: You may want to consider a card that offers both cash back and an intro APR for new purchases. The Discover it® Cash Back is one great pick and would allow you to finance a large purchase while racking up rewards.
Pros
Since there’s no annual fee, you won’t need to rely on reward earnings to offset card costs.
You’ll earn a bonus after you open a Rewards Checking account and make three debit card transactions in your first 60 days.
Cons
The high-end APR range is much higher than the average card APR and could prove costly if you end up carrying a balance.
You won’t get a break on interest if you carry a balance since there are no intro APR offers on purchases or balance transfers.
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Combine the flexibility of a credit card with the predictability of a personal loan
No annual fee
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Enjoy peace of mind with $0 Fraud liability
Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
Blue Cash Preferred\u00ae Card from American Express<\/a>.<\/div>","pros_and_cons_header":"What you should know","pros":["Its welcome offer allows boosted rewards on in-store purchases, giving you the chance to earn as much as you would using the Walmart app for a short timeframe.","On the lower end, its ongoing APR is lower than the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//advice//current-interest-rates///">current average credit card interest rate<\/a>."],"cons":["For maximum rewards on most purchases, you must use the Walmart app, so if you aren't tech savvy, this card may not be a good fit.","The card has limited long-term value because of its low flat rewards rate for all purchases and lack of noteworthy perks."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"If you do most of your household shopping via Walmart \u2014 especially online \u2014 it\u2019ll get you one of the best everyday cash back rates out there."},"program":null,"tags":[]})"
>
Best retail card
Capital One Walmart Rewards® Mastercard®
*The information about the Capital One Walmart Rewards® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
*
Bankrate score
Rating: 4 stars out of 5
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.
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.
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.
Intro offer
Introductory offer: Earn 5% cash back on purchases in Walmart® stores for the first 12 months when you use your card with Walmart Pay
5%
Rewards rate
Earn 5% cash back on Walmart.com purchases, including pickup and delivery
. Earn 2% cash back on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations. 2% cash back on restaurants and travel purchases. 1% cash back on all other purchases everywhere else Mastercard® is accepted.
1% - 5%
Annual fee
$0
Regular APR
19.48% or 29.99% (Variable)
Why you’ll like this card:If you do most of your household shopping via Walmart — especially online — it’ll get you one of the best everyday cash back rates out there.
5%
Earn 5% cash back on Walmart.com purchases, including pickup and delivery
2%
Earn 2% cash back on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations
2%
2% cash back on restaurants and travel purchases
1%
1% cash back on all other purchases everywhere else Mastercard® is accepted
This card offers a high rewards rate on pickup and delivery orders from Walmart, as well as an attractive welcome offer for in-store purchases through the Walmart Pay app. Though it doesn’t carry many extra perks, it’s a great choice if you’re an avid Walmart shopper.
Its welcome offer allows boosted rewards on in-store purchases, giving you the chance to earn as much as you would using the Walmart app for a short timeframe.
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.
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.
5% cash back on rotating categories (on up to $1,500 in purchases each quarter, then 1% back, activation required)
Intro Offer: Cashback Match
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.
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.
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.
Up to 2% cash back on purchases (1% when you purchase and 1% when you pay)
Intro Offer: $200 cash back
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.
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.
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.
5% cash back on Lyft purchases (through March 2025) and travel booked through Chase Travel
3% cash back on dining at restaurants and drugstore purchases
1.5% cash back on all other purchases
Intro Offer: Up to $300 cash back
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.
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.
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.
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.
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.
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.
5% cash back on your top eligible category purchases each billing cycle (up to $500, then 1% cash back)
Intro Offer: $200
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.
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.
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.
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.
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.
5 percent cash back at Walmart.com, including pickup & delivery
2 percent cash back in Walmart stores & fuel stations, at restaurants and on travel
1 percent cash back everywhere else Mastercard is accepted
Intro Offer: 5%
Introductory offer: Earn 5% cash back on purchases in Walmart® stores for the first 12 months when you use your card with Walmart Pay
Regular APR: 19.48% or 29.99% (Variable)
$0
Here’s how a Bankrate editor crafted his cash back strategy
Here’s Bankrate editor Nouri Zarrugh on how he chose his cash back cards to create a cash rewards strategy:
I’ve been writing about cash back and credit card rewards for several years now, so I understand the benefit of carrying multiple cards and using them strategically to maximize my earnings. But I also know that sometimes juggling so many cards to earn a little more cash back can be more trouble than it’s worth.
When I first got into rewards strategy, I went a little overboard, carrying a card for every spending category I could think of, constantly switching based on where I was shopping or which bonus category was available in a given quarter. I even had a spreadsheet I used to track my purchases and cash back earnings. It eventually became a headache, though. Now I take a more streamlined approach, focusing on a few key spending categories as I try to strike a balance between high earnings and low maintenance.
Here’s what I focus on with my current credit card stack:
Groceries: The Citi Custom Cash Card. This card automatically rewards your top spending category each billing cycle, and I only use it for groceries, making that my top category by default.
Gas and online shopping: The Blue Cash Everyday Card from American Express. Since I use the Custom Cash for groceries, it made sense for me to use the no-annual-fee Blue Cash Everyday to get a solid rewards rate on gas. As an added bonus, this card comes with an online shopping category missing from the Blue Cash Preferred’s categories. Online shopping is another key category for me, so this card is quite versatile.
Dining: The Capital One SavorOne Cash Rewards Credit Card. This card offers one of the best rates you can get at restaurants without paying an annual fee (See Rates & Fees).
Everything else: The Citi Double Cash. I use this card for all purchases that fall outside of groceries, gas, dining, travel and online shopping. A flat rate of up to 2 percent back (1 percent when you buy, 1 percent when you pay off purchases) is hard to beat.
Is my stack perfect? Definitely not. I still have a co-branded airline card, a rotating category card and a specific online retailer card sitting around, and using them could help me squeeze a little more earnings out of my purchases. But for now, five cards is plenty to juggle."
— Nouri Zarrugh, Bankrate Editor
Looking for a particular type of cash-back credit card?
For suggestions based on your spending habits, try Bankrate’s Spender Type Tool. Select the spender type that you most closely identify with and you’ll get card recommendations that may suit your spending habits.
Flat-rate cards do not require any pre-planning, which is great. You buy what you buy and earn cash back at the same rate for everything.
To make the most of cash back cards that have rotating categories, however, you have to pay a bit more attention. Quite a few cards offer 5 percent back when you make purchases at places like grocery stores, gas stations, big box retailers, and more, but you’ll need to plan out where and when to shop to take full advantage. For example, if a card offers 5 percent cash back at Amazon in Q4, you may consider doing most of your holiday shopping through that site.
I like to have both a flat-rate and rotating cash back card in my wallet — particularly a flat-rate card that earns at a higher rate (usually 1.5X-2X) than the base rate of the rotating category card. I maximize this duo by making purchases in the card’s rotating categories as much as possible, and when my purchase isn’t in one of these 3X-5X rotating categories, I use my flat rate card to capture the higher rate.
I have found the most difficult part of maximizing rotating category cash-back cards is keeping track of which categories are currently earning bonus cash back. Setting reminders and keeping a rewards calendar helps, especially if you have multiple cards of each type. Of course, you also want to make sure you are putting the right expense on the right card to maximize the rewards.
What people are saying about cash back credit cards
There’s always something new and exciting happening in the cash back card space, and Bankrate likes to stay on top of what has people talking.
Robinhood announcing its first credit card, the Robinhood Gold Card, has taken over much of the cash back card discussion this month, and it's easy to see why. The investment platform’s first credit card promises a flat 3 percent back on all purchases, a full 1 percent higher than the up to 2 percent rewards rate found on top flat-rate cash rewards cards like the Wells Fargo Active Cash (2 percent cash rewards on purchases) and Citi Double Cash (which earns 1 percent when you buy, 1 percent when you pay off purchases). The card also promises 5 percent back on travel booked through Robinhood’s travel portal.
There’s some trepidation from consumers on whether the card will deliver on its promises with no strings attached. Some already point to the Robinhood Gold membership requirement as a way to recoup any losses the platform incurs by offering such a high cash back rate.
One Reddit user is cautiously optimistic the rate may stick around for a while:
“They’ll have to play a balance game. If every merchant decided to charge 5% fee for credit cards or 5% discount for cash/debit, rewards become useless. The banks would have to up rewards even higher to encourage credit card use.
I fully agree that Robinhood will increase their fee if they keep the 3% though as that has never been a profitable rate for any card.”
Others on the social network have a less sunny outlook:
“Reminds me of what happened with the Uber Visa card — fantastic starter card back when I was in college, earned 4% cash back on dining, 3% on travel, 2% on Uber. Within 2 yrs they nerfed the whole card and then it got rebranded as the Barclays View card...now it's the most useless piece of plastic in my entire house.”
Bankrate’s own Nouri Zarrugh is bullish on the Robinhood Gold card, at least for now. Read more of his thoughts and insight to decide whether you might want to keep an eye on this new product.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate. Please see the issuer’s website for updated terms and conditions.
*The information about the Capital One Walmart Rewards® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Bankrate Insight
People who spend across a wide variety of categories can often combine cards from the same issuer for greater effect. For example, by having a Chase Freedom Flex, Chase Freedom Unlimited and a Chase Sapphire card, you can use the Chase Trifecta's bonus categories to maximize rewards.
However, a new credit card can help fight inflation if used appropriately. To help you make a more informed decision, we analyzed data on Bankrate’s best rewards card offers to see which types of cards Bankrate users were approved for more often: cash back cards or other rewards cards that earn points or miles.
According to our data, cash back cards held a higher average approval rate throughout 2023 than other rewards cards. Our data even indicates that cash back cards have a higher approval rate than other rewards cards from the same issuer. Granted, cash back cards don’t have a massive advantage — their overall approval rate is only about 5 percentage points higher than the approval rate on other rewards cards.
It’s also worth noting that our data shows an increase in approval rates over most of 2023. However, this could be partly due to seasonal factors. More users applied for cards in the earlier months of 2023, and some of these users may have applied for a card to help them recover financially from holiday spending even if their credit scores were below the recommended range.
Gauge your chances of approval with
Bankrate’s Approval Odds feature
Frequently asked questions about cash back credit cards
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.
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.
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.
It depends on how you plan to redeem your rewards. If you plan to deposit your cash rewards into a high-yield savings account, it's best to redeem often so that you don't lose out on interest. However, if you prefer to use your rewards for travel, you might save up your rewards to help cut future travel costs. In fact, your cash back might be worth more if you redeem through an issuer's travel portal, like Chase Ultimate Rewards. To maximize your earnings, check your issuer's redemption options and be strategic in how and when you redeem.
Yes, a cash back credit card is flexible and valuable enough to be worth a spot in most wallets. However, there are a few cash back credit card alternatives that might be just as valuable depending on your needs. 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.
Up next:
Best cash back credit card bonus offers
How to choose a cash back credit card
Flat-rate cash back cards vs. bonus category cash back cards
Best rotating category credit cards
Are credit cards that automatically reward your top spending categories a good deal?
How does cash back work?
How we assess the best cash back credit cards
150+
cards rated
50+
rewards programs valued
1800
data points analyzed
25
spending categories analyzed
When evaluating the best cash back cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points.
We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best cash back cards.
Here’s a quick breakdown of the key factors in our cash back card scoring methodology and details we considered when putting together our list of the best cash back cards.
5
Rating: 5 stars out of 5
Overall Score
Value65%
Flexibility15%
Perks15%
Customer experience5%
The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.
To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories.
We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $22,500.
Some of the major spending categories that contribute towards the annual spend include:
Groceries: $5,700
Dining out: $3,600
Entertainment: $2,400
Gas: $3,100
Apparel and services: $1,900
Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.
This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value
With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.
The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.
Here’s a deeper look at the factors considered as part of a rewards card’s “Value” rating:
5
Rating: 5 stars out of 5
Overall Score
Ongoing rewards value50%
Annual fee & average APR20%
Rewards rate15%
Sign-up bonus value15%
We also score cards based on how much it costs to keep them in your wallet or carry a balance.
To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.
More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value.
Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.
With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.
That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.
Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth.
As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list.
Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.
We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating.
We break down these tiers as follows:
Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits).
Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges.
Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection.
Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs.
Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.
In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.
Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
*The information about the Chase Freedom Flex and the Aspire Mastercard has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.
Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards…
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
