Updated 6/13/17

It’s no surprise cash back rewards are among the most popular credit card perks. Cardholders paying off balances each month can avoid interest charges to earn lucrative cash back on everyday necessities, including groceries, gas and at restaurants.

What’s not to like about cold, hard cash in your pocket, right?

We’ve vetted some of the most popular cash-back credit cards on the market to offer our picks for what we think are the best.

  • No-annual-fee cash-back credit cards - BankAmericard Cash Rewards™,  Barclaycard CashForward™ World Mastercard®, Chase Freedom UnlimitedSM, and Citi® Double Cash Card - 18 Month BT offer
  • Small business cash-back credit card - Chase Ink Business CashSM Credit Card
  • Bonus category cash-back credit card - Discover it® Card

BankAmericard Cash Rewards™ Credit Card
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BankAmericard Cash Rewards™ Credit Card

Cardholders looking for a solid cash-back credit card should expect one packed with valuable features, such as the BankAmericard Cash Rewards™ card. This credit card dishes out a lucrative $150 new cardholder cash rewards bonus offer and one of the lower spending thresholds we’ve come across, requiring cardholders to spend at least $500 on purchases in the first 90 days. Tons of other perks are available as well, including bonus-category cash back of 3% on gas and 2% at grocery stores and wholesale clubs (on up to $2,500 quarterly in combined bonus category purchases), a low introductory APR offer on both new purchases and qualifying balance transfers for 12 billing cycles, and your FICO® Score for free. For these reasons, we think it’s also one of the best credit cards of 2017. Read our full review of BankAmericard Cash Rewards™.

Barclaycard CashForward™ World Mastercard®
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Barclaycard CashForward™ World Mastercard®

Barclaycard CashForward™ World Mastercard® has one of the deepest bench of valuable perks we've come across for a no-annual-fee credit card. Qualifying new cardholders earn a $200 cash rewards bonus after spending $1,000 on new purchases in the first 90 days, every purchase earns 1.5% cash back, plus the card offers a promotional 0% APR spanning 15 billing cycles for both new purchases and qualifying balance transfers. If you've secured an excellent credit history, there may not be a better no-annual-fee cash-back card. Read our full review of Barclaycard CashForward™ World Mastercard® to learn more.

Chase Freedom Unlimited
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Chase Freedom Unlimited

Chase® credit cards tend to pack a powerful punch, and Chase Freedom UnlimitedSM is no exception. Cardholders can score a $150 new-cardholder bonus when spending at least $500 on new purchases in the first three months, plus they can look forward to both unlimited 1.5% cash back on all purchases and a 15-billing-cycle, 0% introductory APR for balance transfers. Read our full review of Chase Freedom UnlimitedSM

Citi® Double Cash Card – 18 Month BT Offer

Citi® Double Cash Card – 18 Month BT Offer

The Citi® Double Cash Card - 18 Month BT offer stands out among cash-back cards because it offers an innovative rewards program that smart use of debt by paying off balances. All purchases earn a total of 2% cash back – technically, 1% when purchased and 1% when paid off. This is among the highest cash-back rates for all purchases on the market. What’s more, Citi® Double Cash Card - 18 Month BT offer helps indebted cardholders pay down balances faster when taking advantage of the card’s 18-billing-cycle, 0% introductory APR for balance transfers. Read our full review of Citi® Double Cash Card - 18 Month BT offer to learn more.

Ink Business Cash Credit Card
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Ink Business Cash Credit Card

Small business cards with premium cash-back tend to include an annual fee, but Ink Business CashSM Credit Card is a standout exception. Cardholders earn 5% cash back on up to $25,000 of spending in combined purchases at office supply stores, and on cellular phones, landline, internet, and cable TV services. Gas and restaurant purchases earn 2% cash back on up to $25,000 of spending, and every other purchase earns 1% cash back. Qualifying new cardholders also earn a lucrative $300 sign-up bonus after spending at least $3,000 on purchases in the first three months. What's surprising is these perks don't come at the expense of an annual fee, which is surprisingly $0. We don't know of another no-annual-fee card that offers up such a large bonus. Read our full review of  Ink Business CashSM Credit Card to learn more.

Discover it® Card

Discover it® Card

Discover it® Card earns 5% cash back (on up to $1,500 in spending quarterly, and thus worth a maximum of $75) in rotating categories such as gas, restaurants, Amazon.com purchases, and wholesale clubs, plus 1% cash back on all other purchases. Discover automatically matches all the cash back earned, dollar for dollar, at the end of the first year for new cardholders. The card cuts out-of-pocket costs by nixing both the annual fee and foreign transaction fees. Read our full review of Discover it® Card.


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