Updated 9/11/17

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.

Discover it® - Cashback Match™
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Discover it® - Cashback Match™

Best for: Bonus cash back and $0 annual fee

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

Bank of America® Cash Rewards Credit Card
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Bank of America® Cash Rewards Credit Card

Best for: Bonus cash back and $0 annual fee

Cardholders looking for a solid cash-back credit card should expect one packed with valuable features, such as Bank of America® Cash Rewards. 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 the first $2,500 quarterly in combined bonus category purchases), a 0% intro APR offer, 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 Bank of America® Cash Rewards review to learn more.

Chase Freedom Unlimited®
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Chase Freedom Unlimited®

Best for: $0 annual fee and 0% intro APR

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 0% intro APR for 15 billing cycles purchases and balance transfers. Read our full Chase Freedom UnlimitedSM review to learn more.

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

Best for: Sign-up bonus and 0% intro APR

Barclaycard CashForward™ World Mastercard® has one of the deepest bench of valuable perks we've come across for a $0 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 0% intro 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 Barclaycard CashForward™ World Mastercard® review to learn more.

Capital One® Quicksilver® Cash Rewards Credit Card
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Capital One® Quicksilver® Cash Rewards Credit Card

Best for: $0 annual fee

Capital One® Quicksilver Rewards® Credit Card is a fee-savvy cash-back credit card to consider. Not only does it include a $0 annual fee, but the card also offers a $150 sign-up bonus after spending $500 within three months of account opening, unlimited 1.5% cash back, and a 0% intro APR for 9 billing cycles for purchases and balance transfers. These flagship benefits are competitive with other cards on the market, in addition to other perks Capital One® Quicksilver® Rewards Credit Card offers, such as no foreign transaction fees. Read our full Capital One® Quicksilver® Rewards Credit Card review to learn more.

Discover it® - 18 Month Balance Transfer Offer
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Discover it® - 18 Month Balance Transfer Offer

The Discover it® - 18 Month Balance Transfer Offer credit cards amps up the value for cardholders wanting to get out of debt faster with a 0% intro APR without sacrificing rewards. This card closely mirrors another card on this list, Discover it® - Cashback Match™, with the main difference being the 0% intro APR promo spanning a longer 18 months for balance transfers and a shorter 6 months for purchases. Choosing between the two Discover it® cards may ultimately come down to which 0% intro APR offer fits your needs. But know that the balance transfer offer and cash back rewards, alone, sit at the top of the pack within each category, which explains our enthusiasm for this card. Read our full Discover it® - 18 Month Balance Transfer Offer review for more.

Citi® Double Cash Card

Citi® Double Cash Card

Best for: Cash back and 0% intro APR

Citi® Double Cash Card 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 helps indebted cardholders pay down balances faster when taking advantage of the card’s 18-billing-cycle, 0% intro APR for balance transfers. Read our full Citi® Double Cash Card review to learn more.


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