Updated 2/28/17

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?

And red-hot competition among credit card companies is driving the stakes higher and card issuers are battling for your business by including high cash-back rates. 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™, Chase Freedom UnlimitedSM, and Citi® Double Cash Card - 18 Month BT offer
  • Bonus category cash-back credit card - Discover it® Card

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 $100 new cardholder cash rewards bonus offer and one of the lowest 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 free access to your FICO® Score. For these reasons, we think it’s also one of the best credit cards of 2017. Read our full review of BankAmericard Cash Rewards™.

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 why we consider it to be one of the best cash-back credit cards.

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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