Best Cash Back Credit Cards

Following is a list of the best cash back credit cards in the United States according to our study. Cash back credit cards are very popular. You earn money back with every purchase. The best cash back cards offer high cash back rates and flexible reward categories. Compare best cash back credit cards and apply today. (Information as of March 2024)

Chase Freedom Unlimited Credit Card

The Chase Freedom Unlimited is a great rewards credit card that lets cardholders earn 1.5% cash back on every purchase, 5% on travel, 3% on dining and 3% in drugstores. The card has 0% intro APR and rewards that never expire.

No Annual Fee
Unlimited 1.5% cash back on every purchase
3% cash back on dining at restaurants and drugstore purchases
5% cash back on travel purchased through Chase Ultimate Rewards
$200 bonus in the first 3 months from account opening
0% intro APR for 15 months
Standard variable APR: 20.49% - 29.24%
There is no minimum to redeem for cash back
Cash Back rewards do not expire
Purchase Protection
Zero Liability Protection
Extended Warranty Protection

Wells Fargo Active Cash Credit Card

Wells Fargo Active Cash is a very good credit card that offers unlimited 2% cash back on all purchases.

No Annual Fee
Unlimited 2% cash rewards on purchases with no categories to track or quarterly activations
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
0% intro APR for 15 months
Standard variable APR: 20.24%, 25.24% or 29.99%
Cash rewards don’t expire while account remains open
Redeem for purchases as little as $1
Concierge service, 24/7
Active Cash Card Awards: Best Credit Card for Simple Cash Back (NerdWallet), Best No Annual Fee Credit Card, Best Cash Back Card Overall (The Ascent, a Motley Fool Service)

Wells Fargo Active Cash Card Benefits:
Emergency Cash Disbursement and Card Replacement
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Cellular Telephone Protection
Visa Signature Luxury Hotel Collection
Visa Signature Concierge Services
Roadside Dispatch

Discover Cash Back Credit Cards with no annual fee

(Discover it Cash Back Card, NHL Discover Card, Discover it Chrome Gas & Restaurant Card)
5% cash back on gas stations, restaurants, grocery stores, Amazon and much more
1% unlimited cash back on all other purchases
100% US based customer service; Cash back never expires
0% intro APR for 15 months on purchases and balance transfers
Standard variable APR of 17.24% - 28.24%

Citi Double Cash Card

Earn $200 cash back after you spend $1.5K on purchases in the first six months of card account opening.
Annual Fee: $0
No category restrictions and no caps
Rewards: Unlimited 1% cash back on purchases + 1% as you pay
0% introductory APR on balance transfer for 18 m
Standard variable APR of 19.24% - 29.24%
Credit card late fee pass
Purchase Protection
Travel Protection
Citi Concierge

American Express Blue Cash Preferred Card

Earn $250 back after you spend $3K on purchases in the first six months of card account opening.
$0 intro annual fee for the 1st year then $95
6% cash back at US supermarkets
3% cash back at US gas stations, select U.S. streaming subscriptions and transit including taxis/rideshare, parking, tolls, buses, trains and more
1% cash back on other purchases
0% intro APR on purchases and balance transfers for 12 months
19.24% - 29.99% standard variable APR

American Express Blue Cash Everyday Card

Annual fee: $0
3% cash back at supermarkets
3% cash back at gas stations
3% cash back on online retail purchases
1% cash back on other purchases
0% intro APR on purchases and balance transfers for 15 months
19.24% - 29.99% standard variable APR

Capital One Savor Cash Rewards Credit Card

New card members: $300 cash bonus once you spend $3K on purchases within 3 months from account opening.
Earn 10% cash back on Uber and Uber Eats, plus a free Uber One membership through November 2024.
Annual fee is $95
4% unlimited cash back on entertainment and dining purchases
4% cash back on popular streaming services
3% cash back at grocery stores
1% cash back on all other purchases
19.99% - 29.99% variable APR
No foreign transaction fees
24-hour Travel Assistance Services
Complimentary Concierge Service

Capital One Quicksilver Cash Rewards Card

One time $200 cash bonus once you spend $500 on purchases within 90 days from the date of account opening
Annual Fee: $0
1.5% unlimited cash back on all purchases
0% intro APR for 15 months
19.99% - 29.99% variable APR
No foreign transaction fees
Travel Accident Insurance
24-Hour Travel Assistance Services
Auto Rental Collision Damage Waiver
Complimentary Concierge Service
Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide.

HSBC Cash Rewards Mastercard Credit Card

No Annual Fee
1.5% unlimited cash back on every purchase
0% introductory APR for the first 12 months
13.99% - 23.99% standard variable APR
No fee for additional cards for authorized users
No Foreign Transaction Fees
Purchase Assurance covers most items from damage or theft
Mobile purchases with Apple Pay, Samsung Pay and Google Pay
$1 million travel accident insurance
Master RoadAssist Roadside Services

U.S. Bank Cash+ Visa Signature Card

No Annual Fee
$200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 4 months of account opening
5% cash back on up to $2k in two categories purchases (e.g. clothing stores, cell phone providers) every quarter
2% unlimited cash back on one category of your choice, like restaurants, grocery stores or gas stations.
1% unlimited cash back on everything else
Options to redeem with no minimum required
0% intro APR for the first 15 billing cycles.
Standard variable APR: 19.49% - 29.74%

Best Cash-Back Credit Cards for Small Business

Spark 2% Cash Back Business Card from Capital One

Spark 2% Cash Plus is one of the best business rewards cards.
Unlimited 2% cash back for business on every purchase with no limits or category restrictions
Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
$3,000 Cash Bonus (for a limited time)
Annual Fee Refund
Get your $150 annual fee refunded every year you spend at least $150,000.
Free Employee Cards (Track employee spending while earning all the rewards from their purchases)

Ink Business Cash Credit Card from Chase

The Chase Ink Business Cash is one of three business cards that company offers.
5% cash back in select business categories (phone and cable services, office supply stores etc)
2% cash back on the first $25K spent in purchases at restaurants and gas stations
1% cash back on all other purchases
$750 bonus cash back after you spend $6,000 in the first 3 months after account opening
0% intro APR for 12 months on purchases
Standard variable APR from 18.49% to 24.49%
Shop with points at Amazon
Auto Rental Collision Damage Waiver; Roadside Dispatch
Travel and Emergency Assistance Services
Purchase Protection, Extended Warranty Protection
Free Employee Cards

Best Cash-Back Credit Cards for Students

SavorOne Rewards Student Credit Card

SavorOne Rewards from Capital One is one of the best credit cards for students.
Annual Fee: $0
One time $50 cash bonus once you spend $100 on purchases within 90 days from card account opening
19.99% - 29.99% variable APR for purchases and transfers
29.99% APR for cash advances
Unlimited 3% cash back on entertainment, dining, popular streaming services and grocery stores
Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Cardholders get access to exclusive reservations at award-winning restaurants and tickets to unforgettable culinary experiences.
10% cash back on Uber and Uber Eats
No Foreign Transaction Fees
Late Payment Penalty Fee: up to $40
24-hour Travel Assistance Services
Travel Accident Insurance
Complimentary Concierge Service
Awards: Best Credit Card for College Students (NerdWallet)

Discover It Student Cash Back Card - Cash Rewards for Life and for College

No Annual Fee
5% cash back at restaurants, gas stations, grocery stores and more
1% unlimited cash back on all other purchases
Cash back never expires
No overlimit fee
No foreign transaction fee
Paying late won't raise your APR
No late fee on your first late payment
100% U.S. based customer service

Bank of America Customized Cash Rewards for Students

Bank of America Customized Cash Rewards Credit Card for students is a good credit card for young adults.
Annual Fee: $0
$200 cash rewards bonus when you spend $1,000 within three months of account opening
3% cash back in select categories: dining, drug stores, travel, online shopping, gas, furnishings and home improvement, among others.
2% cash back at wholesale clubs and grocery stores
1% cash back on all other purchases
Balance Transfer Fee: 3% of each transaction
0% intro APR on purchases and balance transfers for 15 billing cycles
Regular APR: 18.24% - 28.24%