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Cash back credit cards give a certain percentage of money back on your purchases. The amount you earn on cash back rewards depends on the card and the spending category.
Some cash back cards earn the same amount on purchases, while others have bonus categories where they earn extra on dining. The best cash back cards are easy to use, easy to track, and many of them do not charge an annual fee.
Great for: Bonus cash back and no annual fee
On Discover's Secure Website.
On Discover's Secure Website.
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
16.99% - 27.99% Variable APR
Rewards Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
1% - 5% Cashback
Annual Fee
$0
Welcome Offer Intro Offer: Unlimited Cashback Match – 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
Includes a robust rewards program and rich sign-up bonus offer that has unlimited upside. Somehow this card also packs in a great intro APR offer for no annual fee. Read Full Review
Great for: Unlimited cash back
On Wells Fargo's Secure Website.
On Wells Fargo's Secure Website.
Intro APR 0% intro APR, 15 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 15 months from account opening
Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers
Regular APR
19.99%, 24.99%, or 29.99% variable APR
Rewards
2% cash rewards
Annual Fee
$0
Welcome Offer $200 cash rewards bonus after spending $500 in purchases in the first three months
$200 cash rewards offer
A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty welcome offer and versatile 0% intro APR offer are the cherries on top. Read Full Review
Blue Cash Preferred® Card from American Express
Great for: U.S. supermarkets and U.S. gas
On American Express' Secure Website.
Terms apply
On American Express' Secure Website.
Terms apply
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
18.99%-29.99% Variable
Rewards 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
1% - 6% cash back
Annual Fee
$0 intro annual fee for the first year, then $95.
Welcome Offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome offer and a nice 0% intro APR offer. Read Full Review
U.S. Bank Cash+® Visa Signature® Card
Great for: Cash back versatility
Intro APR 0% on purchases and balance transfers for the first 15 billing cycles on purchases billing cycles, and after that 19.49% - 29.49% (Variable)
Purchases: 0%, 15 billing cycles on purchases
Balance Transfers: 0%, 15 billing cycles
Regular APR
19.49% - 29.49% (Variable)
Rewards 5% cash back back on up to $2,000 of quarterly spending in two categories of choice and for travel booked directly in U.S. Bank's Rewards Travel Center, unlimited 2% back in one "everyday" category of choice, 1% back on other purchases
1% - 5% back
Annual Fee
$0
Welcome Offer Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
The high cash back rate, big sign-up bonus, and flexibility to choose what purchases earn bonus cash back make this a compelling offer. All the better that there's no annual fee.
Bank of America® Customized Cash Rewards credit card
Great for: Cash back of your choice
On Bank of America's Secure Website.
On Bank of America's Secure Website.
Intro APR 0% Intro APR for 18 billing cycles for purchases. 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR on purchases and balance transfers will apply. A 3% fee applies to all balance transfers.
Purchases: 0% Intro APR for 18 billing cycles for purchases
Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
Regular APR
17.99% - 27.99% (Variable)
Rewards 3% cash back in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all other purchases.
1% - 3% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening
$200 cash rewards
Includes a big bonus in the no-annual fee category, a great 0% intro and transfer APR offer, and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Read Full Review
Capital One QuicksilverOne Cash Rewards Credit Card
Great for: Fair credit
On Capital One's Secure Website.
On Capital One's Secure Website.
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
29.99% (Variable)
Rewards
1.5% cash back
Annual Fee
$39
Welcome Offer
N/A
The lucrative cash rewards program is a welcome benefit that's rare in this category. We only wish you didn't have to pay an annual fee to take advantage of those rewards. Read Full Review
Citi® Double Cash Card – 18 month BT offer
Great for: Balance transfers
On Citi's Secure Website.
On Citi's Secure Website.
Intro APR N/A
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
18.99% - 28.99% (Variable)
Rewards 2% cash back: 1% when you buy plus 1% as you pay
Up to 2% cash back
Annual Fee
$0
Welcome Offer
N/A
Earn up to 2% cash back on purchases - 1% when you buy, and 1% when you pay the minimum each month. Add that to no annual fee and an 18 month 0% intro APR offer on balance transfers and this card is a winner. Read Full Review
Discover it® Secured Credit Card
Great for: Bad credit
On Discover's Secure Website.
On Discover's Secure Website.
Intro APR
Purchases: n/a
Balance Transfers: 10.99%, 6 months
Regular APR
27.99% Variable APR
Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
1% - 2% Cashback
Annual Fee
$0
Welcome Offer Discover will match all the cash back you’ve earned at the end of your first year.
Cashback Match
This card is a great place to start when building your credit history. It offers perks rarely found in secured cards, including cash back, no annual fee, and Discover's innovative sign-up bonus. Read Full Review
Discover it® Student Cash Back
Great for: Students
On Discover's Secure Website.
On Discover's Secure Website.
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 10.99%, 6 months
Regular APR
17.99% - 26.99% Variable APR
Rewards 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
1% - 5% Cashback
Annual Fee
$0
Welcome Offer Discover will match all the cash back you’ve earned at the end of your first year.
Cashback Match
A leading student credit card with a rewards program that goes toe-to-toe with some of the top rewards cards we've come across. Read Full Review
Ink Business Cash® Credit Card
Great for: Business owners
On Chase's Secure Website.
On Chase's Secure Website.
Intro APR N/A
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
18.24% - 24.24% Variable
Rewards Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
1%-5% cash back
Annual Fee N/A
$0
Welcome Offer Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn $750 bonus cash back
For cardholders wanting the simplicity of cash back, plus up to 5% back on select categories and a $0 annual fee. The inclusion of a 0% intro APR offer amps up the value of the card. Read Full Review
Great for: Rotating bonus categories
On Chase's Secure Website.
On Chase's Secure Website.
Intro APR 0% Intro APR on Balance Transfers, 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
19.99% - 28.74% Variable
Rewards 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
1% - 5% cash back
Annual Fee N/A
$0
Welcome Offer Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
$200 bonus
Deserves to be top of wallet for many cardholders due to some of the highest cash back rates for essentials, a big sign-up bonus, and no annual fee. Read Full Review
Prime Visa
Great for: Amazon and Whole Foods
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.99%–26.99%, variable
Rewards Unlimited 5% back at Amazon, AmazonFresh, and Whole Foods; unlimited 5% back on Chase Travel purchases with an eligible Prime membership; 2% back at restaurants, gas stations, local transit, and commuting (including rideshare); and 1% back on other purchases
1% - 5% back
Annual Fee
$0
Welcome Offer Get a $150 Amazon Gift Card instantly upon approval, and earn 5% back everywhere on up to $2,500 in spending for the first 3 months after account opening (a $125 value). Eligible Prime membership required.
$150 Amazon gift card
The fact that this card includes no annual fee makes it an easy call for Amazon Prime members. Simply put, the cash back rate is among the highest you'll find for Amazon and Whole Foods purchases.
As you shop for reward credit cards, there will probably be multiple cards that you like. Before you pick the best credit card with cash back, compare these three important features.
If you’re looking for a feature-by-feature comparison our credit card comparison tool can help.
Card | Rating | Great For |
---|---|---|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Bonus cash back and no annual fee |
|
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Unlimited cash back |
Terms apply
![]() |
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: U.S. supermarkets and U.S. gas |
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Cash back versatility |
|
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Cash back of your choice |
|
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Fair credit |
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Balance transfers |
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Bad credit |
|
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Students |
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Business owners |
|
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Rotating bonus categories |
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Great For: Amazon and Whole Foods |
A cash back rewards card could save you money. If you have good or excellent credit and can qualify for the best cash back cards, then they're definitely worth checking out. But this type of credit card has its perks and its drawbacks.
Pros
Cons
The great thing about cash back cards is how simple and affordable they are. Anyone can benefit from cash back, and there's no learning curve involved like there can be with travel credit cards. You can find plenty of the best cash back credit cards with no annual fee. Even the ones with annual fees usually cost less than $100 per year.
There is a tradeoff to those benefits. Cash back cards are affordable, but they also generally have smaller bonuses and fewer features than you could get from a higher-priced travel rewards card. And while cash back means rewards redemptions are a breeze, there's no way to get more value out of cash back. With rewards credit cards that earn points, it's sometimes possible to extract more value from those points if you know how to use them.
Using the best money back credit cards is a great way to save more every month. Here are the best tips to help you maximize cash back rewards:
Always pay with your cash back credit card. Since you're earning cash back on purchases, take full advantage. Put as much of your spending as you can on your cash back card. There's no reason to pay with cash or a debit card and leave cash back on the table.
Don't carry a balance. The key to saving money with a cash back card is to pay your credit card bill in full by the due date. If not, the card issuer can charge you credit card interest. That will likely cost you as much or more as the cash back you earned.
Get multiple cash back cards to earn more bonus rewards. Instead of using a single cash back card, open a few different cards that earn bonus cash back in separate categories. That way, you could have your gas and groceries card, your restaurant card, your Amazon card, and a card with a high flat rate for all those other expenses.
Complete the welcome bonus requirements. Welcome bonuses are some of the biggest cash back offers you can find, so it's important not to miss out. Whenever you get a new card with a welcome bonus, check how much you need to spend and how long you have.
Check your credit card's online shopping portal for special offers. Many credit card companies have online shopping portals where you can earn up to 10% back with some retailers. Make sure to check if your card issuer offers one and, if so, what type of bonuses are available.
Cash back and points are two types of credit card rewards. Cash back is only for cash. Meanwhile, points tend to offer more redemption options than cash back does, including points for travel, a gift card, cash, or merchandise. The exact options depend on the rewards credit card you have. The advantage of points is that there are more ways to use them, but this also makes them more complicated.
In most cases, cash back credit cards aren't taxable. If you earn the cash back by using your card for purchases, then it's not taxable, because the IRS considers it a rebate on those purchases and not income.
That means any type of cash back credit card that requires spending money is treated as a rebate and isn't taxable. For example, if your card earns 4% on dining or an unlimited 2% cash back on purchases, you wouldn't need to pay taxes on that. This also includes welcome bonuses you need to spend money to earn, such as a bonus of $200 if you spend $500 in the first three months.
While cash back usually isn't taxable, it could be treated as income if it doesn't require any spending on your part. Common examples include welcome bonuses that don't have a spending requirement and referral bonuses.
There are three basic types of cash back credit cards: Flat-rate cash back cards, bonus category cash back cards, and rotating bonus category cash back cards. By understanding how each type works, you'll be able to figure out how to maximize some of the best cash rewards credit cards.
Flat-rate cash back cards earn the same rate on purchases, typically 1.5% or 2%. This type of cash rewards credit card is ideal if your spending is fairly balanced and you don't have any particular big spending categories among your everyday purchases.
Consumers who do the math often find that they'll earn the most with a flat-rate cash back card. If you're interested in getting one, the Wells Fargo Active Cash® Card is hard to beat. It can get you 2% cash rewards on purchases.
A bonus category cash back card offers a higher cash back rate in one or more categories, such as groceries, dining, or gas.
Those who spend a lot in certain categories could collect more cash back with the right bonus category card. For example, the Blue Cash Preferred® Card from American Express earns an industry-leading 6% back at U.S. supermarkets for up to $6,000 per calendar year. Terms apply. That's an extremely valuable offer, even with the card's annual fee (see rates and fees). There are bonus category cards to fit just about everyone, whether you need the best credit cards for gas, dining, or a different category.
On eligible purchases outside of bonus categories, these cards have traditionally earned 1% back. But not all bonus category cards are like this anymore.
A rotating bonus category cash back card offers a higher cash back rate in a changing mix of categories. You typically get new bonus categories every quarter with this type of card. In most cases, cardholders must activate their bonus categories before or during the quarter to earn the bonus rate.
The advantages with these cash back credit cards are a very high cash back rate in bonus categories and the fact that you get new bonus categories regularly. But the latter can also be a downside, because you may occasionally get stuck with bonus categories that you won't spend much money in.
Two of the most popular rotating bonus category cards are the Discover it® Cash Back and the Chase Freedom Flex℠. Each offers 5% back on your first $1,500 spent in rotating bonus categories you activate every quarter. The Chase Freedom Flex℠ is unique in that it also offers several fixed bonus categories.
Bonus categories are a popular feature with cash back credit cards. To provide more info on them, we're going to explain how some of the most common bonus categories work and the highest cash back credit card rates you'll find in each one.
Groceries: These cash back cards earn higher rates in merchants classified as grocery stores or supermarkets. This is a good time to clarify that bonus categories are based on the retailer, not the exact product you're buying. If you go to the grocery store and buy shampoo, paper towels, or any non-food items, it still counts as a grocery store purchase.
The best credit card for groceries offer cash back rates of up to 6% on supermarket purchases. Since this is one of the biggest spending categories for many consumers, a grocery cash back card can be a great choice.
Gas: These cash back cards earn higher rates at gas stations. They usually only offer bonus cash back at traditional gas stations, not gas stations tied to supermarkets or warehouse clubs.
Gas credit cards offer up to 4% on gas station purchases. Although they can be a good fit if you have a lengthy commute or a driving job, the typical consumer spends more in other areas, like groceries.
Dining: These credit cards earn higher rates at any type of restaurant, including fast food, sit-down dining establishments, and everything in between. That also covers deliveries and carryout orders with restaurants. Food delivery apps, such as DoorDash and Grubhub, may or may not qualify, so you'll need to check each card's terms to see.
Dining credit cards offer up to 4% on restaurant purchases. They work well if you're the type who prefers going out to eat and placing delivery orders over cooking at home.
Travel: These credit cards offer bonus cash back on either certain types of travel purchases or travel as a whole. If it's certain types of purchases, the card issuer will specify what qualifies, such as hotels or air travel. If it's travel as a whole, then anything the card issuer considers a travel category will qualify for bonus cash back.
The best credit cards that earn bonus rewards on travel spending are travel credit cards, not cash back cards. Among those travel cards, rewards rates can be as high as 10% on certain types of travel purchases. Some of the best cash back credit cards offer bonus rates as high as 5% on certain types of travel purchases.
Cash back cards are great, but they aren't right for everyone. You may find that one of the following alternatives works better for you.
Travel rewards credit cards: Frequent travelers usually benefit the most from travel rewards credit cards. If you go on trips multiple times per year, the travel perks and rewards that these cards offer can be big moneysavers. They also almost always have no foreign transaction fee, a benefit many cash back cards lack. And some travel cards have no annual fees.
Balance transfer credit cards: You can stop paying interest on credit card debt with balance transfer credit cards. This type of card offers a 0% intro APR on balance transfers. There's almost always a balance transfer fee, but that's well worth it to pay down your debt at zero interest.
Student credit cards: If you're attending college, then a student credit card is a good way to get started on building your credit. While some of the best student credit cards offer cash back or other rewards, they're aimed at adults who don't have much credit history yet. You won't need good or excellent credit to get them like you would with many popular cash back cards.
In a way, yes. You'll earn a percentage back on purchases that you make with your credit card. You can then redeem your cash back earnings. Some cardholders choose to receive their cash back as a statement credit on their credit card. Others prefer to have their cash back earnings deposited into their bank account.
So, yes -- you can earn real money with a cash back card. You can choose the redemption option that works best for you.
A rate of 1.5% to 2% cash back is considered good for cash back offers with flat-rate rewards on purchases. Cash back rates vary though, so it's good to shop around.
Other cash back cards reward you with bonus cash back for making purchases in specific spending categories. Typically, bonus rates range from 3% to 5%. Keep in mind that some cards with a higher rewards rate may have a monthly or yearly spending cap in place, so you may not be able to earn unlimited bonus rewards.
Credit score requirements vary from one card to another. The best credit card with cash back, attractive rewards rates, and new cardmember bonuses typically require applicants to have good to excellent credit -- a score of at least 670. However, approval is not guaranteed no matter your credit score. Other factors are considered when determining card approval -- such as income and credit history.
When using your cash back credit card to pay for eligible purchases, you earn a percentage of cash back.
The card issuer automatically calculates the cash back you've earned and adds it to your rewards balance. If you make a $100 purchase and your card earns 2% cash back, then the card issuer would give you $2. This usually happens at the end of every statement period, although there are some card issuers that deposit cash back daily.
Cash back redemption options depend on the card. You may be able to redeem cash back as a statement credit on your credit card bill, as a deposit to your bank account, or as a check. Some cash back cards have redemption minimums, such as $25, but others have no minimum amount.
Wells Fargo Active Cash® Card has the highest cash back credit card with a flat-rate at 2% for purchases.
Counting bonus categories, the Blue Cash Preferred® Card from American Express is the winner. It earns 6% back at U.S. supermarkets, up to a spending cap of $6,000 per calendar year.
The keys to maximizing your cash back credit card are using it for every eligible purchase and always paying off the full balance. By using your card for every eligible purchase, you'll collect the most possible cash back. When you pay off your full statement balance every billing period, you never incur interest charges on your purchases. That means you're making money from your cash back cards, without paying any interest to the card issuer.
Our Credit Cards Experts
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
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