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available products.


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impact how and where offers appear on this site (such as the order). LendingTree
does not include all lenders, savings products, or loan options available in the
marketplace.

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products from our partners as well as institutions which are not advertising
partners. While we make an effort to include the best deals available to the
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ON THIS PAGE

 * Our top picks in August 2022
 * Side-by-side comparison
 * What is a cash back credit card?
 * Should you apply for a cash back credit card?
 * Pros and cons
 * How to choose a cash back credit card
 * Are cash back credit cards worth it?
 * Getting the most out of your cash back card
 * Frequently asked questions
 * Methodology


BEST CASH BACK CREDIT CARDS IN AUGUST 2022

Written by Glen Luke Flanagan
Edited by Robin Ratcliff

July 29, 2022

*Editorial Note: The content of this article is based on the author’s opinions
and recommendations alone. It may not have been reviewed, approved or otherwise
endorsed by the credit card issuer. This site may be compensated through a
credit card issuer partnership.

This article was last updated July 29, 2022 . Terms and conditions may have
changed. For the most accurate information, please consult the issuer website.


🥇 OUR TOP PICK FOR BEST CASH BACK CREDIT CARD:
CHASE FREEDOM UNLIMITED®

The Chase Freedom Unlimited® charges a $0 annual fee and offers one of the
highest earning rates among cash back cards when you factor in all its bonus
categories. Plus it offers great synergy with other Chase Ultimate Rewards®
cards.


BEST CASH BACK CREDIT CARDS OF AUGUST 2022

 * Best Overall cash back credit card
   Chase Freedom Unlimited®
 * Best flat-rate cash back credit card
   Wells Fargo Active Cash® Card
 * Best cash back credit card for balance transfers
   Citi® Double Cash Card – 18 month BT offer
 * Best cash back credit card for 5% rotating categories
   Chase Freedom Flex℠
 * Best cash back credit card for food and entertainment
   Capital One SavorOne Cash Rewards Credit Card
 * Best cash back credit card for groceries and gas
   Blue Cash Preferred® Card from American Express
 * Best cash back credit card for Amazon shopping
   Amazon Prime Rewards Visa Signature Card
 * Best cash back credit card with no foreign transaction fees
   SDFCU Premium Cash Back+ Credit Card
 * Best cash back credit card for military connections
   USAA® Cashback Rewards Plus American Express® Card
 * Best cash back credit card for people with fair credit
   Capital One QuicksilverOne Cash Rewards Credit Card
 * Best cash back card for bad credit
   Discover it® Secured Credit Card
 * Best cash back for business spending
   Ink Business Cash® Credit Card
 * Best cash back gas credit card
   PNC Cash Rewards® Visa® Credit Card
 * Best cash back metal credit card
   Capital One® Savor® Cash Rewards Credit Card
 * Best cash back credit card for students
   Discover it® Student Cash Back
 * Show more

Citi is an advertising partner.

Cash back credit cards let consumers earn cash rewards on their everyday
purchases. Cash is king for many people, who prefer its simplicity and
flexibility.

The typical cash back credit card earns anywhere from 1% to 6% cash back on
spending. Some cards offer a flat rewards rate for all purchases, while other
cards offer bonus cash back in specific or rotating categories. Rewards usually
can be directly deposited into a bank account, used as a statement credit toward
purchases or converted as a check for you to deposit.

The best cash back credit cards earn an average of 2% cash back on all purchases
and typically come with no annual fee. If you have the credit score to qualify
for one of these cards, you should be able to earn this rate or higher. The key
is to find a cash back card (or a combination of cash back cards) that closely
matches your spending patterns.

Below is our breakdown of best cash back options for different types of
spenders.


BEST FOR OVERALL CASH BACK CREDIT CARD


CHASE FREEDOM UNLIMITED®

(0) Reviews
Apply Now
on Chase's secure site




CHASE FREEDOM UNLIMITED®

(0) Reviews
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 16.49% - 25.24% Variable
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent
in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased
through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all
other purchases.

Earning rate: Enjoy 5% cash back on travel purchased through Chase Ultimate
Rewards®, our premier rewards program that lets you redeem rewards for cash
back, travel, gift cards and more; 3% cash back on drugstore purchases and
dining at restaurants, including takeout and eligible delivery service, and 1.5%
on all other purchases

Why we picked this card: The Chase Freedom Unlimited® card tops our list of best
cash back cards due to its versatility, simplicity and synergy with other Chase
Ultimate Rewards® cards. The 1.5% rewards rate may not seem the best at first
glance, but its 3% cash back on dining and drugstore purchases gives it an edge.
Not to mention, when paired with a premium card like the Chase Sapphire
Reserve®, you can boost the 1.5% rate to 2.25% and the 3% rate to 4.5% back by
redeeming your rewards for travel.

ProsCons

  No annual fee

  Great synergy with other Chase cards

  Long intro APR for purchases and balance transfers

  Good travel protections

  Low 1.5% rewards rate if not paired with other Chase cards

  3% of each transaction in U.S. dollars

If you’re already familiar with Chase Ultimate Rewards® and cards such as the
Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, the Chase Freedom
Unlimited® is a fantastic addition to your wallet. You can effectively earn
2.25% back on most purchases when you transfer your Ultimate Rewards points to a
Chase Sapphire Reserve® account and redeem through Chase Travel. This is one of
the highest cash back credit card earning rates available without a spending
cap.

You can also earn a $200 bonus after you spend $500 on purchases in the first
three months from account opening, and earn 5% cash back on gas station
purchases on up to $6,000 spent in the first year you have your card.

With no annual fee, it’s hard to go wrong with the Chase Freedom Unlimited®.

 * New purchase protection coverage for 120 days on covered items
 * Extended warranty protection
 * Trip cancellation/interruption insurance
 * Auto rental collision damage waiver
 * Travel and emergency assistance services

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent
in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased
through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all
other purchases.

Earning rate: Enjoy 5% cash back on travel purchased through Chase Ultimate
Rewards®, our premier rewards program that lets you redeem rewards for cash
back, travel, gift cards and more; 3% cash back on drugstore purchases and
dining at restaurants, including takeout and eligible delivery service, and 1.5%
on all other purchases

Why we picked this card: The Chase Freedom Unlimited® card tops our list of best
cash back cards due to its versatility, simplicity and synergy with other Chase
Ultimate Rewards® cards. The 1.5% rewards rate may not seem the best at first
glance, but its 3% cash back on dining and drugstore purchases gives it an edge.
Not to mention, when paired with a premium card like the Chase Sapphire
Reserve®, you can boost the 1.5% rate to 2.25% and the 3% rate to 4.5% back by
redeeming your rewards for travel.

ProsCons

  No annual fee

  Great synergy with other Chase cards

  Long intro APR for purchases and balance transfers

  Good travel protections

  Low 1.5% rewards rate if not paired with other Chase cards

  3% of each transaction in U.S. dollars

WHO'S THIS CARD BEST FOR?

If you’re already familiar with Chase Ultimate Rewards® and cards such as the
Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, the Chase Freedom
Unlimited® is a fantastic addition to your wallet. You can effectively earn
2.25% back on most purchases when you transfer your Ultimate Rewards points to a
Chase Sapphire Reserve® account and redeem through Chase Travel. This is one of
the highest cash back credit card earning rates available without a spending
cap.

You can also earn a $200 bonus after you spend $500 on purchases in the first
three months from account opening, and earn 5% cash back on gas station
purchases on up to $6,000 spent in the first year you have your card.

With no annual fee, it’s hard to go wrong with the Chase Freedom Unlimited®.

CARD BENEFITS

 * New purchase protection coverage for 120 days on covered items
 * Extended warranty protection
 * Trip cancellation/interruption insurance
 * Auto rental collision damage waiver
 * Travel and emergency assistance services

Check out our Chase Freedom Unlimited® review.


BEST FOR BEST FLAT-RATE CASH BACK CREDIT CARD


WELLS FARGO ACTIVE CASH® CARD

(0) Reviews
Apply Now
on Wells Fargo's secure site
Rates & Fees



WELLS FARGO ACTIVE CASH® CARD

(0) Reviews
Intro Purchase APR 0% intro APR for 15 months from account opening
Annual Fee $0
Regular Purchase APR 17.24%, 22.24%, or 27.24% variable APR
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases
in the first 3 months

Earning rate: Earn unlimited 2% cash rewards on purchases

Why we picked this card: In addition to offering earn a $200 cash rewards bonus
after spending $1,000 in purchases in the first 3 months, the Wells Fargo Active
Cash® Card earn unlimited 2% cash rewards on purchases. This is one of the best
cash back credit card rewards rates among flat-rate cards. Rewards can be
redeemed in a variety of ways, including as a statement credit, as a credit to a
qualified Wells Fargo loan, mortgage or other credit account, or in $20
increments at a Wells Fargo ATM or for gift cards.

ProsCons

  Long intro APR

  Unlimited 2% cash back

  No annual fee

  Cellphone protection

  Sign-up bonus

  Potentially high APR of 17.24%, 22.24%, or 27.24% variable APR

  3% foreign transaction fee

The Wells Fargo Active Cash® Card is an excellent choice if you want to earn
flat-rate rewards without worrying about different categories. It also comes
with strong intro APR periods on both purchases and balance transfers — so
whether you need to finance a big purchase and pay it off over time, or transfer
a balance from another card, the Wells Fargo Active Cash® Card can help you do
that.

Enjoy a 0% intro APR for 15 months from account opening. After, a 17.24%,
22.24%, or 27.24% variable APR applies.

And when it comes to transferring debt from a non-Wells Fargo card, this card
also has a 0% intro APR for 15 months from account opening on qualifying balance
transfers. After that, a 17.24%, 22.24%, or 27.24% variable APR applies. There’s
a balance transfer fee of 3% intro for 120 days from account opening, then up to
5%; min: $5.

Just know that if you opened a Wells Fargo credit card in the past 15 months and
received an intro APR and/or a bonus, you might not qualify for intro APR and/or
a bonus on this card. And if you opened another Wells Fargo credit card in the
past six months, your application for this card might be denied.

Also, if traveling abroad, beware the 3% foreign transaction fee.

 * Enjoy 24/7 access to the Visa Signature Concierge, which can help with travel
   plans, finding the right gift and more
 * Receive a variety of benefits when you use this card to book a stay at
   properties in the Visa Signature Luxury Hotel Collection — such as a $25 food
   or beverage credit, an automatic room upgrade upon arrival (when available)
   and late checkout upon request (when available). You must book through
   visasignaturehotels.com or through the Visa Concierge for benefits to apply

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases
in the first 3 months

Earning rate: Earn unlimited 2% cash rewards on purchases

Why we picked this card: In addition to offering earn a $200 cash rewards bonus
after spending $1,000 in purchases in the first 3 months, the Wells Fargo Active
Cash® Card earn unlimited 2% cash rewards on purchases. This is one of the best
cash back credit card rewards rates among flat-rate cards. Rewards can be
redeemed in a variety of ways, including as a statement credit, as a credit to a
qualified Wells Fargo loan, mortgage or other credit account, or in $20
increments at a Wells Fargo ATM or for gift cards.

ProsCons

  Long intro APR

  Unlimited 2% cash back

  No annual fee

  Cellphone protection

  Sign-up bonus

  Potentially high APR of 17.24%, 22.24%, or 27.24% variable APR

  3% foreign transaction fee

WHO'S THIS CARD BEST FOR?

The Wells Fargo Active Cash® Card is an excellent choice if you want to earn
flat-rate rewards without worrying about different categories. It also comes
with strong intro APR periods on both purchases and balance transfers — so
whether you need to finance a big purchase and pay it off over time, or transfer
a balance from another card, the Wells Fargo Active Cash® Card can help you do
that.

Enjoy a 0% intro APR for 15 months from account opening. After, a 17.24%,
22.24%, or 27.24% variable APR applies.

And when it comes to transferring debt from a non-Wells Fargo card, this card
also has a 0% intro APR for 15 months from account opening on qualifying balance
transfers. After that, a 17.24%, 22.24%, or 27.24% variable APR applies. There’s
a balance transfer fee of 3% intro for 120 days from account opening, then up to
5%; min: $5.

Just know that if you opened a Wells Fargo credit card in the past 15 months and
received an intro APR and/or a bonus, you might not qualify for intro APR and/or
a bonus on this card. And if you opened another Wells Fargo credit card in the
past six months, your application for this card might be denied.

Also, if traveling abroad, beware the 3% foreign transaction fee.

CARD BENEFITS

 * Enjoy 24/7 access to the Visa Signature Concierge, which can help with travel
   plans, finding the right gift and more
 * Receive a variety of benefits when you use this card to book a stay at
   properties in the Visa Signature Luxury Hotel Collection — such as a $25 food
   or beverage credit, an automatic room upgrade upon arrival (when available)
   and late checkout upon request (when available). You must book through
   visasignaturehotels.com or through the Visa Concierge for benefits to apply

Check out our Wells Fargo Active Cash® Card review.


BEST FOR BEST CASH BACK CREDIT CARD FOR BALANCE TRANSFERS


CITI® DOUBLE CASH CARD

(0) Reviews
Apply Now
on Citibank's secure site




CITI® DOUBLE CASH CARD

(0) Reviews
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 16.24% - 26.24% (Variable)
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: No bonus

Earning rate: Earn 2% on every purchase with unlimited 1% cash back when you
buy, plus an additional 1% as you pay for those purchases.

Why we picked this card: Carrying a balance and looking for a card to give you
time to pay it off? The Citi® Double Cash Card – 18 month BT offer currently
offers an introductory 0% for 18 months on Balance Transfers (followed by a
16.24% - 26.24% (Variable) APR), currently the best among cash back cards. Plus,
earn 2% on every purchase with unlimited 1% cash back when you buy, plus an
additional 1% as you pay for those purchases., earned in the form of ThankYou
points. This is an excellent flat rewards rate on all purchases and provides an
incentive to pay your bill on time.

ProsCons

  Long intro APR on balance transfers

  Cash back earned as flexible ThankYou points

  Multiple ways to redeem cash back rewards

  No annual fee

  No sign-up bonus

  Must pay off card to earn half of rewards

  3% foreign transaction fee

The Citi® Double Cash Card offers a lengthy intro APR of 0% for 18 months on
balance transfers, after which an APR of 16.24% - 26.24% (variable) applies.
There is an intro balance transfer fee of 3% of each transfer (minimum $5)
completed within the first 4 months of account opening. A balance transfer fee
of 5% of each transfer ($5 minimum) applies if completed after 4 months of
account opening.

If you’re carrying high-interest debt on a non-Citi card, transferring it to the
Citi® Double Cash Card could help you get out of debt.

Plus, this card is also a standout choice to keep on hand after paying off your
transferred debt. It earns a flat cash back rate on all purchases, so you know
what you’re going to earn without worrying about different rates for different
categories.

The annual fee is $0. However, there’s a 3% foreign transaction fee, so this
isn’t the best card to take when traveling abroad.

This card also lacks a sign-up bonus, so it might not be the best choice if
you’re looking to make a big purchase and are hoping to earn a bonus on your new
card to offset the purchase cost.

 * Get access to ticket presales and exclusive events such as concerts and
   sporting events with Citi Entertainment
 * Use your credit card with digital wallets including Apple Pay®, Google Pay™,
   and Samsung Pay

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: No bonus

Earning rate: Earn 2% on every purchase with unlimited 1% cash back when you
buy, plus an additional 1% as you pay for those purchases.

Why we picked this card: Carrying a balance and looking for a card to give you
time to pay it off? The Citi® Double Cash Card – 18 month BT offer currently
offers an introductory 0% for 18 months on Balance Transfers (followed by a
16.24% - 26.24% (Variable) APR), currently the best among cash back cards. Plus,
earn 2% on every purchase with unlimited 1% cash back when you buy, plus an
additional 1% as you pay for those purchases., earned in the form of ThankYou
points. This is an excellent flat rewards rate on all purchases and provides an
incentive to pay your bill on time.

ProsCons

  Long intro APR on balance transfers

  Cash back earned as flexible ThankYou points

  Multiple ways to redeem cash back rewards

  No annual fee

  No sign-up bonus

  Must pay off card to earn half of rewards

  3% foreign transaction fee

WHO'S THIS CARD BEST FOR?

The Citi® Double Cash Card offers a lengthy intro APR of 0% for 18 months on
balance transfers, after which an APR of 16.24% - 26.24% (variable) applies.
There is an intro balance transfer fee of 3% of each transfer (minimum $5)
completed within the first 4 months of account opening. A balance transfer fee
of 5% of each transfer ($5 minimum) applies if completed after 4 months of
account opening.

If you’re carrying high-interest debt on a non-Citi card, transferring it to the
Citi® Double Cash Card could help you get out of debt.

Plus, this card is also a standout choice to keep on hand after paying off your
transferred debt. It earns a flat cash back rate on all purchases, so you know
what you’re going to earn without worrying about different rates for different
categories.

The annual fee is $0. However, there’s a 3% foreign transaction fee, so this
isn’t the best card to take when traveling abroad.

This card also lacks a sign-up bonus, so it might not be the best choice if
you’re looking to make a big purchase and are hoping to earn a bonus on your new
card to offset the purchase cost.

CARD BENEFITS

 * Get access to ticket presales and exclusive events such as concerts and
   sporting events with Citi Entertainment
 * Use your credit card with digital wallets including Apple Pay®, Google Pay™,
   and Samsung Pay

Check out our Citi® Double Cash Card – 18 month BT offer review.


BEST FOR BEST CASH BACK CREDIT CARD FOR 5% ROTATING CATEGORIES


CHASE FREEDOM FLEX℠

(0) Reviews
Apply Now
on Chase's secure site




CHASE FREEDOM FLEX℠

(0) Reviews
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 16.49% - 25.24% Variable
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first
3 months from account opening!

Earning rate: 5% cash back on up to $1,500 in combined purchases in bonus
categories each quarter you activate. Enjoy new 5% categories each quarter!
Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3%
on dining and drugstores, and 1% on all other purchases.

Why we picked this card: The Chase Freedom Flex℠ is the best of 5% cash back
cards because it’s potentially the most rewarding. In addition to 5% cash back
on rotating quarterly categories (up to $1,500 in qualified purchases each
quarter you activate), you also get 3% cash back on drugstores and dining, which
gives it an edge over its main competitor, the Discover it Cash Back. You can
also earn a generous sign-up bonus with a low spending requirement: Earn a $200
Bonus after you spend $500 on purchases in your first 3 months from account
opening!.

ProsCons

  5% cash back on rotating quarterly categories

  3% cash back on dining and drugstore purchases

  No annual fee

  Large sign-up bonus

  Long intro APR

  $1,500 spending cap for bonus categories

  Bonus categories require activation each quarter

Foreign transaction fee: 3% of each transaction in U.S. dollars

If you want a solid ongoing cash back rate on dining and drugstore purchases,
and your spending also lines up well with the rotating categories, the Chase
Freedom Flex℠ offers the chance to earn generous cash back. Just remember to
activate the new bonus category every quarter, and be aware that after spending
$1,500 in the quarterly category, your earning rate for such purchases will drop
to 1% (meaning you can earn up to $75 cash back at the elevated rate each
quarter).

Examples of Chase’s bonus categories have included:

 * Wholesale clubs, select streaming services and internet, cable and phone
   services
 * Gas stations and home improvement stores
 * Grocery stores, excluding Target and Walmart, and select streaming services

The Chase Freedom Flex℠ does charge a 3% of each transaction in U.S. dollars
foreign transaction fee, so leave it at home if traveling outside the country.
Also, before applying, make sure you’re aware of the Chase 5/24 rule — an
unwritten rule that essentially means Chase will deny your application for a
card if you’ve opened five or more cards from any issuer in the past 24 months.

 * Auto rental collision damage waiver (secondary coverage)
 * Purchase protection
 * Extended warranty protection
 * Trip cancellation/interruption insurance
 * Free access to your VantageScore with Credit Journey
 * Take three rides in one calendar month and earn a $5 Lyft credit
 * Get a $5 Fandango Reward when you spend $20 at Fandango or on Fandango’s
   streaming service
 * Purchase a HelloFresh meal kit delivery plan and get 5% back toward your next
   HelloFresh delivery
 * Complimentary one-year ShopRunner membership, which comes with free two-day
   shipping on eligible items (enrollment required)

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first
3 months from account opening!

Earning rate: 5% cash back on up to $1,500 in combined purchases in bonus
categories each quarter you activate. Enjoy new 5% categories each quarter!
Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3%
on dining and drugstores, and 1% on all other purchases.

Why we picked this card: The Chase Freedom Flex℠ is the best of 5% cash back
cards because it’s potentially the most rewarding. In addition to 5% cash back
on rotating quarterly categories (up to $1,500 in qualified purchases each
quarter you activate), you also get 3% cash back on drugstores and dining, which
gives it an edge over its main competitor, the Discover it Cash Back. You can
also earn a generous sign-up bonus with a low spending requirement: Earn a $200
Bonus after you spend $500 on purchases in your first 3 months from account
opening!.

ProsCons

  5% cash back on rotating quarterly categories

  3% cash back on dining and drugstore purchases

  No annual fee

  Large sign-up bonus

  Long intro APR

  $1,500 spending cap for bonus categories

  Bonus categories require activation each quarter

Foreign transaction fee: 3% of each transaction in U.S. dollars

WHO'S THIS CARD BEST FOR?

If you want a solid ongoing cash back rate on dining and drugstore purchases,
and your spending also lines up well with the rotating categories, the Chase
Freedom Flex℠ offers the chance to earn generous cash back. Just remember to
activate the new bonus category every quarter, and be aware that after spending
$1,500 in the quarterly category, your earning rate for such purchases will drop
to 1% (meaning you can earn up to $75 cash back at the elevated rate each
quarter).

Examples of Chase’s bonus categories have included:

 * Wholesale clubs, select streaming services and internet, cable and phone
   services
 * Gas stations and home improvement stores
 * Grocery stores, excluding Target and Walmart, and select streaming services

The Chase Freedom Flex℠ does charge a 3% of each transaction in U.S. dollars
foreign transaction fee, so leave it at home if traveling outside the country.
Also, before applying, make sure you’re aware of the Chase 5/24 rule — an
unwritten rule that essentially means Chase will deny your application for a
card if you’ve opened five or more cards from any issuer in the past 24 months.

CARD BENEFITS

 * Auto rental collision damage waiver (secondary coverage)
 * Purchase protection
 * Extended warranty protection
 * Trip cancellation/interruption insurance
 * Free access to your VantageScore with Credit Journey
 * Take three rides in one calendar month and earn a $5 Lyft credit
 * Get a $5 Fandango Reward when you spend $20 at Fandango or on Fandango’s
   streaming service
 * Purchase a HelloFresh meal kit delivery plan and get 5% back toward your next
   HelloFresh delivery
 * Complimentary one-year ShopRunner membership, which comes with free two-day
   shipping on eligible items (enrollment required)

Check out our Chase Freedom Flex℠ review.


BEST FOR BEST CASH BACK CREDIT CARD FOR FOOD AND ENTERTAINMENT


CAPITAL ONE SAVORONE CASH REWARDS CREDIT CARD

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CAPITAL ONE SAVORONE CASH REWARDS CREDIT CARD

(0) Reviews
Intro Purchase APR 0% intro on purchases for 15 months
Annual Fee $0
Regular Purchase APR 16.49% - 26.49% (Variable)
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases
within the first 3 months from account opening

Earning rate: 3% Cash Back on dining and entertainment; 3% Cash Back on popular
streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other
purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets
at Vivid Seats

Why we picked this card: With unlimited 3% Cash Back on dining and
entertainment, popular streaming services and at grocery stores, the Capital One
SavorOne Cash Rewards Credit Card offers one of the highest cash back rates on
dining and entertainment that we can find. This is doubly true for a card with a
$0 annual fee. Plus, you can score a nice sign-up bonus with a low spending
requirement: earn a one-time $200 cash bonus after you spend $500 on purchases
within the first 3 months from account opening.

ProsCons

  Excellent uncapped earning rate

  No annual fee

  Long intro APR

  3% cash back limited to specific categories

  Target or Walmart don't qualify as grocery spend

Avid foodies will love the Capital One SavorOne Cash Rewards Credit Card’s
rewards for dining and grocery store purchases, while those who enjoy events
such as going to a movie or a sports event can appreciate earning cash back on
entertainment expenses.

Plus, the foreign transaction fee is none. That means if you’re planning a trip
abroad and want to experience all the culinary goodies your vacation destination
has to offer, the Capital One SavorOne Cash Rewards Credit Card is an excellent
card to keep in your wallet.

 * 24/7 access to a complimentary concierge service
 * Extended warranty protection
 * Travel accident insurance

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases
within the first 3 months from account opening

Earning rate: 3% Cash Back on dining and entertainment; 3% Cash Back on popular
streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other
purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets
at Vivid Seats

Why we picked this card: With unlimited 3% Cash Back on dining and
entertainment, popular streaming services and at grocery stores, the Capital One
SavorOne Cash Rewards Credit Card offers one of the highest cash back rates on
dining and entertainment that we can find. This is doubly true for a card with a
$0 annual fee. Plus, you can score a nice sign-up bonus with a low spending
requirement: earn a one-time $200 cash bonus after you spend $500 on purchases
within the first 3 months from account opening.

ProsCons

  Excellent uncapped earning rate

  No annual fee

  Long intro APR

  3% cash back limited to specific categories

  Target or Walmart don't qualify as grocery spend

WHO'S THIS CARD BEST FOR?

Avid foodies will love the Capital One SavorOne Cash Rewards Credit Card’s
rewards for dining and grocery store purchases, while those who enjoy events
such as going to a movie or a sports event can appreciate earning cash back on
entertainment expenses.

Plus, the foreign transaction fee is none. That means if you’re planning a trip
abroad and want to experience all the culinary goodies your vacation destination
has to offer, the Capital One SavorOne Cash Rewards Credit Card is an excellent
card to keep in your wallet.

CARD BENEFITS

 * 24/7 access to a complimentary concierge service
 * Extended warranty protection
 * Travel accident insurance

Check out our Capital One SavorOne Cash Rewards Credit Card review.


BEST FOR BEST CASH BACK CREDIT CARD FOR GROCERIES AND GAS


BLUE CASH PREFERRED® CARD FROM AMERICAN EXPRESS

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Rates & Fees
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BLUE CASH PREFERRED® CARD FROM AMERICAN EXPRESS

(0) Reviews
Intro Purchase APR 0% on purchases for 12 months
Annual Fee $95
Regular Purchase APR 16.24%-26.24% Variable
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: Earn a $350 statement credit after you spend $3,000 in purchases
on your new Card within the first 6 months.

Earning rate: 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. Terms
apply.

Why we picked this card: The 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. Terms apply. making it a great option for your wallet. Your cash back
can easily be redeemed for statement credits.

To see rates & fees for Blue Cash Preferred® Card from American Express please
click here.

ProsCons

  Large welcome offer

  6% cash back at U.S. supermarkets

  Long intro APR

  $95 annual fee

  Supermarket 6% rewards rate capped at $6,000 per year

Foreign transaction fee: 2.7% of each transaction after conversion to US
dollars.

For consumers whose budgets include a significant amount of grocery shopping,
streaming, and gas or transit costs, the Blue Cash Preferred® Card from American
Express is well worth paying a $95 annual fee. It takes $1,584 in spending per
year on categories that earn 6% back to recoup the amount of the annual fee.

Be aware that the elevated rate on U.S. supermarket purchases is capped at
$6,000 spent per year, after which your rate will drop to 1%. Still, if you max
that out (which would require spending $500 a month), that’s $360 in cash back.

If you’re thinking about taking this card abroad with you, however, know that
there’s a foreign transaction fee of 2.7% of each transaction after conversion
to US dollars.

To see rates and fees for the Blue Cash Preferred® Card from American Express,
please click here.

 * Up to $10 in monthly statement credits toward an Equinox+ membership
   (enrollment required)
 * Free two-day shipping on eligible items with ShopRunner (enrollment required)
 * Amex Offers (enrollment required)
 * American Express Experiences
 * *Terms apply

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: Earn a $350 statement credit after you spend $3,000 in purchases
on your new Card within the first 6 months.

Earning rate: 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. Terms
apply.

Why we picked this card: The 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. Terms apply. making it a great option for your wallet. Your cash back
can easily be redeemed for statement credits.

To see rates & fees for Blue Cash Preferred® Card from American Express please
click here.

ProsCons

  Large welcome offer

  6% cash back at U.S. supermarkets

  Long intro APR

  $95 annual fee

  Supermarket 6% rewards rate capped at $6,000 per year

Foreign transaction fee: 2.7% of each transaction after conversion to US
dollars.

WHO'S THIS CARD BEST FOR?

For consumers whose budgets include a significant amount of grocery shopping,
streaming, and gas or transit costs, the Blue Cash Preferred® Card from American
Express is well worth paying a $95 annual fee. It takes $1,584 in spending per
year on categories that earn 6% back to recoup the amount of the annual fee.

Be aware that the elevated rate on U.S. supermarket purchases is capped at
$6,000 spent per year, after which your rate will drop to 1%. Still, if you max
that out (which would require spending $500 a month), that’s $360 in cash back.

If you’re thinking about taking this card abroad with you, however, know that
there’s a foreign transaction fee of 2.7% of each transaction after conversion
to US dollars.

To see rates and fees for the Blue Cash Preferred® Card from American Express,
please click here.

CARD BENEFITS

 * Up to $10 in monthly statement credits toward an Equinox+ membership
   (enrollment required)
 * Free two-day shipping on eligible items with ShopRunner (enrollment required)
 * Amex Offers (enrollment required)
 * American Express Experiences
 * *Terms apply

Check out our Blue Cash Preferred® Card from American Express review.


BEST FOR BEST CASH BACK CREDIT CARD FOR AMAZON SHOPPING


AMAZON PRIME REWARDS VISA SIGNATURE CARD

Highlights
 * Only available to Amazon Prime members
 * Get a $100 Amazon Gift Card instantly upon approval.
 * 5% back at Amazon.com and Whole Foods Market
 * 2% back at restaurants, gas stations and drugstores
 * 1% back on all other purchases
 * No foreign transaction fees

 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed:

Sign-up bonus: Get a $100 Amazon Gift Card instantly upon approval.

Earning rate: 5% back at Amazon.com and Whole Foods Market with an eligible
Prime membership, 2% back at restaurants, gas stations and drugstores and 1%
back on all other purchases.

Why we picked this card: Do a ton of online shopping? Then the Amazon Prime
Rewards Visa Signature Card is a no-brainer. You can earn 5% back at Amazon.com
and Whole Foods Market with an eligible Prime membership, 2% back at
restaurants, gas stations and drugstores and 1% back on all other purchases.

ProsCons

  5% cash back at Amazon and Whole Foods

  No foreign transaction fees

  Visa Signature travel protections

  Only available to Amazon Prime members

If you do much of your online shopping at Amazon, getting the Amazon Prime
Rewards Visa Signature Card could be a no-brainer — it charges a $0 annual fee
and earns cash back at a generous rate. For those who already have an Amazon
Prime membership, it’s hard to think of a downside. But if you don’t have a
Prime membership, you’d only qualify for the Amazon Rewards Visa Signature Card
, which earns cash back at a lower rate.

To decide if this card is worth the cost of a Prime membership ($139 for a
regular annual membership, $69 for an annual membership at the college student
rate), note that you’d need to spend $2,780 on purchases earning 5% back to
recoup the cost of a regular membership and $1,380 to recoup the cost of a
student membership.

 * Lost luggage reimbursement
 * Baggage delay insurance
 * Travel accident insurance
 * Travel and emergency assistance
 * Auto rental collision damage waiver
 * Roadside dispatch
 * Extended warranty protection
 * Purchase protection

ABOUT THE CARD

Credit needed:

Sign-up bonus: Get a $100 Amazon Gift Card instantly upon approval.

Earning rate: 5% back at Amazon.com and Whole Foods Market with an eligible
Prime membership, 2% back at restaurants, gas stations and drugstores and 1%
back on all other purchases.

Why we picked this card: Do a ton of online shopping? Then the Amazon Prime
Rewards Visa Signature Card is a no-brainer. You can earn 5% back at Amazon.com
and Whole Foods Market with an eligible Prime membership, 2% back at
restaurants, gas stations and drugstores and 1% back on all other purchases.

ProsCons

  5% cash back at Amazon and Whole Foods

  No foreign transaction fees

  Visa Signature travel protections

  Only available to Amazon Prime members

WHO'S THIS CARD BEST FOR?

If you do much of your online shopping at Amazon, getting the Amazon Prime
Rewards Visa Signature Card could be a no-brainer — it charges a $0 annual fee
and earns cash back at a generous rate. For those who already have an Amazon
Prime membership, it’s hard to think of a downside. But if you don’t have a
Prime membership, you’d only qualify for the Amazon Rewards Visa Signature Card
, which earns cash back at a lower rate.

To decide if this card is worth the cost of a Prime membership ($139 for a
regular annual membership, $69 for an annual membership at the college student
rate), note that you’d need to spend $2,780 on purchases earning 5% back to
recoup the cost of a regular membership and $1,380 to recoup the cost of a
student membership.

CARD BENEFITS

 * Lost luggage reimbursement
 * Baggage delay insurance
 * Travel accident insurance
 * Travel and emergency assistance
 * Auto rental collision damage waiver
 * Roadside dispatch
 * Extended warranty protection
 * Purchase protection

The information related to the Amazon Prime Rewards Visa Signature Card has been
collected by LendingTree and has not been reviewed or provided by the issuer of
this card prior to publication. Terms apply.


BEST FOR BEST CASH BACK CREDIT CARD WITH NO FOREIGN TRANSACTION FEES


SDFCU PREMIUM CASH BACK+ CREDIT CARD

Highlights
 * 2% cash back on purchases
 * Earn $200 if you spend $3,000 in the first 90 days
 * No annual fee
 * No foreign transaction fee

 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed:

Sign-up bonus: $200 if you spend $3,000 in the first 90 days

Earning rate: 2% cash back

Why we picked this card: The SDFCU Premium Cash Back+ Credit Card is the rare
cash back card that doesn’t charge a foreign transaction fee. It also happens to
offer 2% cash back on all purchases, no annual fee and a reasonable APR. The
sign-up bonus of $200 if you spend $3,000 in the first 90 days just sweetens the
deal.

ProsCons

  2% cash back on all purchases

  No foreign transaction fees

  Low 9.49% - 15.49% variable APR 

  Must join SDFCU to qualify

  Few other card benefits

With a solid flat-rate cash back rate and a $0 foreign transaction fee, the
SDFCU Premium Cash Back+ Credit Card is a great card for frequent travelers and
expats. It’s also a Visa card, meaning you’re likely to find wide acceptance
wherever your travels take you.

Note that you have to join State Department Federal Credit Union in order to
apply for the card. Some ways to qualify for membership include:

 * You’re an employee or on-site contractor with the U.S. Department of State.
 * A family member or household member works for the U.S. Department of State.
 * You’re a member of one of SDFCU’s associations, organizations or company
   partners.
 * You have an American Consumer Council membership.

 * Travel and emergency assistance services
 * Roadside dispatch (you are responsible for any charges incurred)
 * ID Navigator Powered by NortonLifeLock

ABOUT THE CARD

Credit needed:

Sign-up bonus: $200 if you spend $3,000 in the first 90 days

Earning rate: 2% cash back

Why we picked this card: The SDFCU Premium Cash Back+ Credit Card is the rare
cash back card that doesn’t charge a foreign transaction fee. It also happens to
offer 2% cash back on all purchases, no annual fee and a reasonable APR. The
sign-up bonus of $200 if you spend $3,000 in the first 90 days just sweetens the
deal.

ProsCons

  2% cash back on all purchases

  No foreign transaction fees

  Low 9.49% - 15.49% variable APR 

  Must join SDFCU to qualify

  Few other card benefits

WHO'S THIS CARD BEST FOR?

With a solid flat-rate cash back rate and a $0 foreign transaction fee, the
SDFCU Premium Cash Back+ Credit Card is a great card for frequent travelers and
expats. It’s also a Visa card, meaning you’re likely to find wide acceptance
wherever your travels take you.

Note that you have to join State Department Federal Credit Union in order to
apply for the card. Some ways to qualify for membership include:

 * You’re an employee or on-site contractor with the U.S. Department of State.
 * A family member or household member works for the U.S. Department of State.
 * You’re a member of one of SDFCU’s associations, organizations or company
   partners.
 * You have an American Consumer Council membership.

CARD BENEFITS

 * Travel and emergency assistance services
 * Roadside dispatch (you are responsible for any charges incurred)
 * ID Navigator Powered by NortonLifeLock

The information related to the SDFCU Premium Cash Back+ Credit Card has been
collected by LendingTree and has not been reviewed or provided by the issuer of
this card prior to publication. Terms apply.


BEST FOR BEST CASH BACK CREDIT CARD FOR MILITARY CONNECTIONS


USAA® CASHBACK REWARDS PLUS AMERICAN EXPRESS® CARD

Highlights
 * Earn 5% cash back on your first $3,000 in gas and military base purchases
   annually on these categories combined
 * Earn 2% on your first $3,000 on supermarket purchases per year
 * Unlimited 1% cash back on all other purchases
 * USAA membership is available to active and former military and their eligible
   family members

 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: None

Earning rate: Earn 5% cash back on your first $3,000 in gas and military base
purchases annually on these categories combined. Earn 2% on your first $3,000 on
supermarket purchases per year. Unlimited 1% cash back on all other purchases.

Why we picked this card: An excellent 5% cash back rate on gas and military base
purchases make this an ideal credit card for military members and their
families. The card also offers 2% cash back on grocery purchases. Unfortunately,
each of the bonus categories is capped at $3,000 in purchases per year (you’ll
only earn 1% cash back on your other purchases). But you can earn a fair amount
of cash back before you hit the cap.

ProsCons

  Earn 5% cash back on gas

  No annual fee

  No foreign transaction fee

  Long intro APR on balance transfers

  No sign-up bonus

  5% and 2% categories are each capped at $3,000 in yearly purchases

  Spending outside of gas and military base earns 2% or less

  Balance transfer fee

The USAA® Cashback Rewards Plus American Express® Card offers among the top cash
back rates on gas purchases that we’re aware of. It’s true there’s a spending
cap on the 5% rate, but it would take spending around $250 a month on gas to hit
that cap. If you’re on the road frequently, this card can reward you well for
it.

Note that you must join USAA to be able to apply for the card. Folks who are
eligible for USAA membership include:

 * U.S. military members and veterans.
 * Precommissioned officers.
 * Spouses and children of military members and veterans.

 * Concierge services for help with reservations, event tickets and shopping
 * Auto rental coverage
 * Travel accident insurance
 * Trip cancellation and interruption coverage
 * Baggage delay and reimbursement
 * Extended warranty protection on U.S. manufacturers’ warranties
 * *Terms apply

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: None

Earning rate: Earn 5% cash back on your first $3,000 in gas and military base
purchases annually on these categories combined. Earn 2% on your first $3,000 on
supermarket purchases per year. Unlimited 1% cash back on all other purchases.

Why we picked this card: An excellent 5% cash back rate on gas and military base
purchases make this an ideal credit card for military members and their
families. The card also offers 2% cash back on grocery purchases. Unfortunately,
each of the bonus categories is capped at $3,000 in purchases per year (you’ll
only earn 1% cash back on your other purchases). But you can earn a fair amount
of cash back before you hit the cap.

ProsCons

  Earn 5% cash back on gas

  No annual fee

  No foreign transaction fee

  Long intro APR on balance transfers

  No sign-up bonus

  5% and 2% categories are each capped at $3,000 in yearly purchases

  Spending outside of gas and military base earns 2% or less

  Balance transfer fee

WHO'S THIS CARD BEST FOR?

The USAA® Cashback Rewards Plus American Express® Card offers among the top cash
back rates on gas purchases that we’re aware of. It’s true there’s a spending
cap on the 5% rate, but it would take spending around $250 a month on gas to hit
that cap. If you’re on the road frequently, this card can reward you well for
it.

Note that you must join USAA to be able to apply for the card. Folks who are
eligible for USAA membership include:

 * U.S. military members and veterans.
 * Precommissioned officers.
 * Spouses and children of military members and veterans.

CARD BENEFITS

 * Concierge services for help with reservations, event tickets and shopping
 * Auto rental coverage
 * Travel accident insurance
 * Trip cancellation and interruption coverage
 * Baggage delay and reimbursement
 * Extended warranty protection on U.S. manufacturers’ warranties
 * *Terms apply

The information related to the USAA® Cashback Rewards Plus American Express®
Card has been collected by LendingTree and has not been reviewed or provided by
the issuer of this card prior to publication. Terms apply.


BEST FOR BEST CASH BACK CREDIT CARD FOR PEOPLE WITH FAIR CREDIT


CAPITAL ONE QUICKSILVERONE CASH REWARDS CREDIT CARD

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CAPITAL ONE QUICKSILVERONE CASH REWARDS CREDIT CARD

(0) Reviews
Intro Purchase APR N/A
Annual Fee $39
Regular Purchase APR 26.99% (Variable)
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Fair/Limited

Sign-up bonus: No bonus

Earning rate: 1.5% Cash Back on every purchase, every day; 5% Cash Back on
hotels and rental cars booked through Capital One Travel (terms apply)

Why we picked this card: The Capital One QuicksilverOne Cash Rewards Credit Card
offers 1.5% cash back on every purchase — this is an exceptional cash back rate
for those with fair credit (a FICO Score between 580 and 669). The card’s $39
annual fee is a downside, but you can offset this by spending just $2,600 in a
year.

ProsCons

  Available to consumers with fair credit

  Access to your credit score and profile

  Automatic credit line reviews

  $39 annual fee

  High 26.99% (Variable) APR

Many cash back credit cards require good to excellent credit, but the Capital
One QuicksilverOne Cash Rewards Credit Card is available to applicants with
fair/limited credit. Typically, fair credit is considered a FICO Score between
580 and 669.

If you’re looking for a card that earns cash back, is accessible if you have
fair/limited credit and can help you improve your credit score with responsible
use, the Capital One QuicksilverOne Cash Rewards Credit Card fits that
description.

Plus, you can be automatically considered for a higher credit limit in as little
as six months.

 * Lock your card in the Capital One mobile app

ABOUT THE CARD

Credit needed: Fair/Limited

Sign-up bonus: No bonus

Earning rate: 1.5% Cash Back on every purchase, every day; 5% Cash Back on
hotels and rental cars booked through Capital One Travel (terms apply)

Why we picked this card: The Capital One QuicksilverOne Cash Rewards Credit Card
offers 1.5% cash back on every purchase — this is an exceptional cash back rate
for those with fair credit (a FICO Score between 580 and 669). The card’s $39
annual fee is a downside, but you can offset this by spending just $2,600 in a
year.

ProsCons

  Available to consumers with fair credit

  Access to your credit score and profile

  Automatic credit line reviews

  $39 annual fee

  High 26.99% (Variable) APR

WHO'S THIS CARD BEST FOR?

Many cash back credit cards require good to excellent credit, but the Capital
One QuicksilverOne Cash Rewards Credit Card is available to applicants with
fair/limited credit. Typically, fair credit is considered a FICO Score between
580 and 669.

If you’re looking for a card that earns cash back, is accessible if you have
fair/limited credit and can help you improve your credit score with responsible
use, the Capital One QuicksilverOne Cash Rewards Credit Card fits that
description.

Plus, you can be automatically considered for a higher credit limit in as little
as six months.

CARD BENEFITS

 * Lock your card in the Capital One mobile app

Check out our review of the Capital One QuicksilverOne Cash Rewards Credit Card


BEST FOR BEST CASH BACK CREDIT CARD FOR BAD CREDIT


DISCOVER IT® SECURED CREDIT CARD

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Rates & Fees



DISCOVER IT® SECURED CREDIT CARD

(0) Reviews
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 24.49% Variable APR
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Poor/Limited

Sign-up bonus: Discover will match all the cash back you’ve earned at the end of
your first year.

Earning rate: 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

Why we picked this card: If your credit is limited or poor and needs to be
rebuilt, the Discover it® Secured Credit Card could be an ideal choice. It
offers a more-than-decent cash back rate of 2% at restaurants and gas stations
(on up to $1,000 in quarterly spend) and 1% on everything else. Moreover,
Discover matches all the cash back you earn in the first year, for new
cardmembers. You do have to provide a security deposit, but Discover will review
your account monthly and potentially graduate you to an unsecured card after the
initial seven months.

ProsCons

  Available to consumers with bad credit

  No annual fee

  Earns cash back on every purchase

  Matches cash back in the first year, for new cardmember

  Ability to graduate to an unsecured card in as little as seven months

  Refundable security deposit required

  No traditional sign-up bonus

If you have poor/limited credit, the Discover it® Secured Credit Card is one of
the best credit cards available to help you improve your score (as long as you
always pay on time and don’t max it out). It’s a secured credit card, meaning
you must submit a security deposit to the issuer in the amount of your desired
credit limit. This protects Discover in case you don’t pay back what you charge
to the card.

Where the Discover it® Secured Credit Card stands head and shoulders above the
competition is guaranteed monthly reviews to see if you qualify to get your
deposit back. Other cards may offer the chance to graduate from a secured card
to an unsecured one, but don’t typically offer such transparency on when account
reviews are conducted. But know that your behavior on other financial accounts,
not just accounts with Discover, can also impact your eligibility.

You can also get your deposit refunded if you pay off your card in full and
close the account.

 * Access to your FICO® Score for free
 * Free alerts if your Social Security number is found on the dark web
   (enrollment required)
 * Easily freeze and unfreeze your card online or in the mobile app
 * Customer service based 100% in the United States

ABOUT THE CARD

Credit needed: Poor/Limited

Sign-up bonus: Discover will match all the cash back you’ve earned at the end of
your first year.

Earning rate: 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

Why we picked this card: If your credit is limited or poor and needs to be
rebuilt, the Discover it® Secured Credit Card could be an ideal choice. It
offers a more-than-decent cash back rate of 2% at restaurants and gas stations
(on up to $1,000 in quarterly spend) and 1% on everything else. Moreover,
Discover matches all the cash back you earn in the first year, for new
cardmembers. You do have to provide a security deposit, but Discover will review
your account monthly and potentially graduate you to an unsecured card after the
initial seven months.

ProsCons

  Available to consumers with bad credit

  No annual fee

  Earns cash back on every purchase

  Matches cash back in the first year, for new cardmember

  Ability to graduate to an unsecured card in as little as seven months

  Refundable security deposit required

  No traditional sign-up bonus

WHO'S THIS CARD BEST FOR?

If you have poor/limited credit, the Discover it® Secured Credit Card is one of
the best credit cards available to help you improve your score (as long as you
always pay on time and don’t max it out). It’s a secured credit card, meaning
you must submit a security deposit to the issuer in the amount of your desired
credit limit. This protects Discover in case you don’t pay back what you charge
to the card.

Where the Discover it® Secured Credit Card stands head and shoulders above the
competition is guaranteed monthly reviews to see if you qualify to get your
deposit back. Other cards may offer the chance to graduate from a secured card
to an unsecured one, but don’t typically offer such transparency on when account
reviews are conducted. But know that your behavior on other financial accounts,
not just accounts with Discover, can also impact your eligibility.

You can also get your deposit refunded if you pay off your card in full and
close the account.

CARD BENEFITS

 * Access to your FICO® Score for free
 * Free alerts if your Social Security number is found on the dark web
   (enrollment required)
 * Easily freeze and unfreeze your card online or in the mobile app
 * Customer service based 100% in the United States

Check out our Discover it® Secured Credit Card review.


BEST FOR BEST CASH BACK CREDIT CARD FOR BUSINESS SPENDING


INK BUSINESS CASH® CREDIT CARD

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INK BUSINESS CASH® CREDIT CARD

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Intro Purchase APR 0% Intro APR on Purchases for 12 months
Annual Fee $0
Regular Purchase APR 14.74% - 20.74% Variable
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent

Sign-up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in
the first 3 months from account opening.

Earning rate: 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.

Why we picked this card: With a fantastic 5% cash back rate at office supply
stores, and on internet, cable and phone services, the Ink Business Cash® Credit
Card is a great fit for many small businesses. There is an annual cap of $25,000
in combined purchases for the 5% cash back bonus, but if you max it out each
you, that’s $1,250 in cash back. The card also offers an excellent $750 sign-up
bonus where you can earn $750 bonus cash back after you spend $7,500 on
purchases in the first 3 months from account opening.

ProsCons

  Fantastic sign-up bonus

  Excellent 5% cash back rate on typical business categories

  No annual fee

  Visa Signature Business benefits

  Bonus 5% cash back has a $25,000 annual cap

  No bonus cash back for travel spend

Foreign transaction fee: 3% of each foreign transaction in U.S. dollars

If you are a small business owner who spends a large amount on office supply
store purchases and internet, cable and phone services each year, the Ink
Business Cash® Credit Card could be a good fit. If you max out the $25,000
annual spending cap in combined purchases for those categories, you can earn
$1,250 back each year.

Additionally, if you max out the $25,000 cap in combined gas station and
restaurant purchases each account anniversary year, you’ll get $500 back.

Just know, if your business primarily spends on travel, this card won’t be a
good fit for you since it does not offer an accelerated cash back rate on travel
purchases, and it charges foreign transaction fees.

 * Employee cards at no additional cost
 * Auto rental collision damage waiver
 * Travel and emergency assistance services
 * Roadside dispatch
 * Purchase protection
 * Extended warranty protection
 * Personalized account alerts

ABOUT THE CARD

Credit needed: Excellent

Sign-up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in
the first 3 months from account opening.

Earning rate: 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.

Why we picked this card: With a fantastic 5% cash back rate at office supply
stores, and on internet, cable and phone services, the Ink Business Cash® Credit
Card is a great fit for many small businesses. There is an annual cap of $25,000
in combined purchases for the 5% cash back bonus, but if you max it out each
you, that’s $1,250 in cash back. The card also offers an excellent $750 sign-up
bonus where you can earn $750 bonus cash back after you spend $7,500 on
purchases in the first 3 months from account opening.

ProsCons

  Fantastic sign-up bonus

  Excellent 5% cash back rate on typical business categories

  No annual fee

  Visa Signature Business benefits

  Bonus 5% cash back has a $25,000 annual cap

  No bonus cash back for travel spend

Foreign transaction fee: 3% of each foreign transaction in U.S. dollars

WHO'S THIS CARD BEST FOR?

If you are a small business owner who spends a large amount on office supply
store purchases and internet, cable and phone services each year, the Ink
Business Cash® Credit Card could be a good fit. If you max out the $25,000
annual spending cap in combined purchases for those categories, you can earn
$1,250 back each year.

Additionally, if you max out the $25,000 cap in combined gas station and
restaurant purchases each account anniversary year, you’ll get $500 back.

Just know, if your business primarily spends on travel, this card won’t be a
good fit for you since it does not offer an accelerated cash back rate on travel
purchases, and it charges foreign transaction fees.

CARD BENEFITS

 * Employee cards at no additional cost
 * Auto rental collision damage waiver
 * Travel and emergency assistance services
 * Roadside dispatch
 * Purchase protection
 * Extended warranty protection
 * Personalized account alerts

Check out our Ink Business Cash® Credit Card review.


BEST FOR CASH BACK GAS CREDIT CARD


PNC CASH REWARDS® VISA® CREDIT CARD

Highlights
 * $100 Bonus after you make $1,000 or more in purchases during the first 3
   billing cycles following account opening.
 * You’ll earn at least 1% cash back on purchases everywhere, every time. Earn
   2% on grocery store purchases, 3% on dining purchases at restaurants and 4%
   on gas station purchases for the first $8,000 in combined purchases in these
   categories annually.
 * Cash back is automatic – there’s no need to enroll or track rotating
   categories
 * 0% intro APR on balance transfers for the first 12 billing cycles following
   account opening when the balance is transferred within the first 90 days
   following account opening. Then a variable APR, currently 14.74%-24.74%,
   based on credit worthiness.
 * No annual fee.

 * About the card
 * Who's This Card Best For?
 * Card Benefits

Sign-up bonus: Earn $200 Bonus after you make $1,000 or more in purchases during
the first 3 billing cycles following account opening of a PNC Cash Rewards®
Visa® Credit Card. Offer available when applying through a link on a PNC.com
page on which the bonus is offered.

Earning rate: Earn 2% on grocery store purchases, 3% on dining purchases at
restaurants and 4% on gas station purchases for the first $8,000 in combined
purchases in these categories annually. 1% cash back on purchases everywhere,
every time.

Why we picked this card: There are few cards that compare to the PNC Cash
Rewards® Visa® Credit Card when it comes to rewarding you for gas station
purchases. The card offers a 4% cash back rate on gas, 3% at restaurants and 2%
at grocery stores on the $8,000 in combined purchases each year. If you’re able
to max out the card strictly on gas each year, you’ll earn $320 in cash back.

ProsCons

  High 4% cash back rate on gas

  Generous sign-up bonus

  No annual fee

 $8,000 annual cap on bonus cash back

Foreign transaction fee: 3% of each foreign transaction in U.S. dollars

 Few other card benefits

If you do a lot of driving and spend over $600 per month on gas, this card is an
excellent choice to have in your wallet. You can maximize your cash back by
using the card strictly for fuel. Rewards can be redeemed as soon as you have at
least $25 in your PNC Rewards account either as a statement credit or into a PNC
account.

The sign-up bonus that lets you earn a $200 Bonus after you make $1,000 or more
in purchases during the first three billing cycles following account opening is
another great feature, as is the $0 annual fee.

The card also offers an intro APR of 0% for the first 12 billing cycles
following account opening when the balance is transferred within the first 90
days following account opening  (followed by a 15.49% to 26.49% variable APR).3%
of each foreign transaction in U.S. dollars

 * Access to PNC online banking and mobile app
 * PNC Easy Lock® in case you misplace your card

ABOUT THE CARD

Sign-up bonus: Earn $200 Bonus after you make $1,000 or more in purchases during
the first 3 billing cycles following account opening of a PNC Cash Rewards®
Visa® Credit Card. Offer available when applying through a link on a PNC.com
page on which the bonus is offered.

Earning rate: Earn 2% on grocery store purchases, 3% on dining purchases at
restaurants and 4% on gas station purchases for the first $8,000 in combined
purchases in these categories annually. 1% cash back on purchases everywhere,
every time.

Why we picked this card: There are few cards that compare to the PNC Cash
Rewards® Visa® Credit Card when it comes to rewarding you for gas station
purchases. The card offers a 4% cash back rate on gas, 3% at restaurants and 2%
at grocery stores on the $8,000 in combined purchases each year. If you’re able
to max out the card strictly on gas each year, you’ll earn $320 in cash back.

ProsCons

  High 4% cash back rate on gas

  Generous sign-up bonus

  No annual fee

 $8,000 annual cap on bonus cash back

Foreign transaction fee: 3% of each foreign transaction in U.S. dollars

 Few other card benefits

WHO'S THIS CARD BEST FOR?

If you do a lot of driving and spend over $600 per month on gas, this card is an
excellent choice to have in your wallet. You can maximize your cash back by
using the card strictly for fuel. Rewards can be redeemed as soon as you have at
least $25 in your PNC Rewards account either as a statement credit or into a PNC
account.

The sign-up bonus that lets you earn a $200 Bonus after you make $1,000 or more
in purchases during the first three billing cycles following account opening is
another great feature, as is the $0 annual fee.

The card also offers an intro APR of 0% for the first 12 billing cycles
following account opening when the balance is transferred within the first 90
days following account opening  (followed by a 15.49% to 26.49% variable APR).3%
of each foreign transaction in U.S. dollars

CARD BENEFITS

 * Access to PNC online banking and mobile app
 * PNC Easy Lock® in case you misplace your card

The information related to the PNC Cash Rewards® Visa® Credit Card has been
collected by LendingTree and has not been reviewed or provided by the issuer of
this card prior to publication. Terms apply.


BEST FOR CASH BACK METAL CREDIT CARD


CAPITAL ONE® SAVOR® CASH REWARDS CREDIT CARD

Highlights
 * Earn a one-time $300 cash bonus after you spend $3000 on purchases within the
   first 3 months from account opening
 * Earn unlimited 4% cash back on dining, entertainment and popular streaming
   services, 3% cash back at grocery stores and 1% on all other purchases. Plus,
   earn 8% cash back on tickets at Vivid Seats through January 2023.
 * No rotating categories or sign-ups needed to earn cash rewards; plus cash
   back won't expire for the life of the account and there's no limit to how
   much you can earn
 * No foreign transaction fees
 * Capital One cardholders get access to premium experiences in dining,
   entertainment and more

 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Excellent/Good

Sign-up bonus: Earn a one-time $300 cash bonus once you spend $3,000 on
purchases within 3 months from account opening

Earning rate: Earn unlimited 4% cash back on dining, entertainment, and popular
streaming services, 3% at grocery stores and 1% on all other purchases.

Why we picked this card: Style alone shouldn’t be the determining factor when
settling on the best cash back credit card for your wallet, but you can’t
discount how much more impressive a metal card is. Luckily, the Capital One®
Savor® Cash Rewards Credit Card combines a sleek look with attractive features,
including the ability to earn unlimited 4% cash back on dining, entertainment
and popular streaming services, 3% at grocery stores and 1% on all other
purchases.

ProsCons

  Sleek metal card

  Excellent uncapped 4% cash back on dining

  Great uncapped 3% cash back on groceries

  No foreign transaction fees

  $95 annual fee

  Grocery category doesn't include Target or Walmart

  Excellent credit required

The Capital One® Savor® Cash Rewards Credit Card is a no-brainer for people who
frequently dine out. It’s hard to find another card with as great an earning
rate on both dining and grocery purchases, especially one that is uncapped. If
you spend $500 per month dining out and $500 on monthly groceries, you’ll earn
$420 in cash back each year on just those expenses.

The card does charge a $95 annual fee, however, and it takes $2,375 in annual
dining spend to offset this.

If you travel abroad, the card is a great choice as well. It doesn’t charge
foreign transaction fees and offers travel accident insurance.

 * Complimentary 24-hour concierge services
 * Extended warranty protection
 * No foreign transaction fees
 * Capital One Dining program benefits
 * Earn 8% cash back on Vivid Seats

ABOUT THE CARD

Credit needed: Excellent/Good

Sign-up bonus: Earn a one-time $300 cash bonus once you spend $3,000 on
purchases within 3 months from account opening

Earning rate: Earn unlimited 4% cash back on dining, entertainment, and popular
streaming services, 3% at grocery stores and 1% on all other purchases.

Why we picked this card: Style alone shouldn’t be the determining factor when
settling on the best cash back credit card for your wallet, but you can’t
discount how much more impressive a metal card is. Luckily, the Capital One®
Savor® Cash Rewards Credit Card combines a sleek look with attractive features,
including the ability to earn unlimited 4% cash back on dining, entertainment
and popular streaming services, 3% at grocery stores and 1% on all other
purchases.

ProsCons

  Sleek metal card

  Excellent uncapped 4% cash back on dining

  Great uncapped 3% cash back on groceries

  No foreign transaction fees

  $95 annual fee

  Grocery category doesn't include Target or Walmart

  Excellent credit required

WHO'S THIS CARD BEST FOR?

The Capital One® Savor® Cash Rewards Credit Card is a no-brainer for people who
frequently dine out. It’s hard to find another card with as great an earning
rate on both dining and grocery purchases, especially one that is uncapped. If
you spend $500 per month dining out and $500 on monthly groceries, you’ll earn
$420 in cash back each year on just those expenses.

The card does charge a $95 annual fee, however, and it takes $2,375 in annual
dining spend to offset this.

If you travel abroad, the card is a great choice as well. It doesn’t charge
foreign transaction fees and offers travel accident insurance.

CARD BENEFITS

 * Complimentary 24-hour concierge services
 * Extended warranty protection
 * No foreign transaction fees
 * Capital One Dining program benefits
 * Earn 8% cash back on Vivid Seats

The information related to the Capital One® Savor® Cash Rewards Credit Card has
been collected by LendingTree and has not been reviewed or provided by the
issuer of this card prior to publication. Terms apply.


BEST FOR BEST CASH BACK CREDIT CARD FOR STUDENTS


DISCOVER IT® STUDENT CASH BACK

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Rates & Fees



DISCOVER IT® STUDENT CASH BACK

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Intro Purchase APR 0% Intro APR for 6 months on purchases
Annual Fee $0
Regular Purchase APR 14.49% - 23.49% Variable APR
 * About the card
 * Who's This Card Best For?
 * Card Benefits

Credit needed: Fair/Limited

Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will
automatically match all the cash back you've earned at the end of your first
year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s
no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earning rate: 5% cash back on everyday purchases at different places each
quarter like Amazon.com, grocery stores, restaurants, gas stations and when you
pay using PayPal, up to the quarterly maximum when you activate. Plus, earn
unlimited 1% cash back on all other purchases – automatically

Why we picked this card: The Discover it® Student Cash Back is a great choice
for those just starting to build a credit profile. It lets you earn 5% cash back
on everyday purchases at different places each quarter like Amazon.com, grocery
stores, gyms/fitness clubs, restaurants, gas stations and when you pay using
PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1%
cash back on all other purchases – automatically. The lack of an annual fee also
makes it a smart choice for students.

ProsCons

  Rotating 5% cash back quarterly categories

  Geared toward students with limited credit history

  Matches cash back in first year, for new cardmembers

  No annual fee

  You have to enroll in the 5% categories every quarter

  $1,500 cap on quarterly bonus categories

  Few other card benefits

The Discover it® Student Cash Back is ideal for students looking to build credit
history while earning cash back on daily purchases. Earn cash back in rotating
quarterly categories, on up to $1,500 in purchases and 1% on everything else.
Pay your bills in full and on time to maximize your rewards and increase your
credit score.

The card also offers unlimited cash back match its first year, which means that
Discover will double your rewards after the initial 12 months. Earn $300 in cash
back? Discover will turn this into $600.

Beyond its excellent rewards, the card doesn’t charge an annual fee. You can
also take advantage of a 0% Intro APR for 6 months on purchases (followed by a
14.49% - 23.49% Variable APR).

 * Daily Experian credit report monitoring
 * No late payment fee the first time you pay late
 * Foreign transaction fees: None

ABOUT THE CARD

Credit needed: Fair/Limited

Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will
automatically match all the cash back you've earned at the end of your first
year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s
no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earning rate: 5% cash back on everyday purchases at different places each
quarter like Amazon.com, grocery stores, restaurants, gas stations and when you
pay using PayPal, up to the quarterly maximum when you activate. Plus, earn
unlimited 1% cash back on all other purchases – automatically

Why we picked this card: The Discover it® Student Cash Back is a great choice
for those just starting to build a credit profile. It lets you earn 5% cash back
on everyday purchases at different places each quarter like Amazon.com, grocery
stores, gyms/fitness clubs, restaurants, gas stations and when you pay using
PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1%
cash back on all other purchases – automatically. The lack of an annual fee also
makes it a smart choice for students.

ProsCons

  Rotating 5% cash back quarterly categories

  Geared toward students with limited credit history

  Matches cash back in first year, for new cardmembers

  No annual fee

  You have to enroll in the 5% categories every quarter

  $1,500 cap on quarterly bonus categories

  Few other card benefits

WHO'S THIS CARD BEST FOR?

The Discover it® Student Cash Back is ideal for students looking to build credit
history while earning cash back on daily purchases. Earn cash back in rotating
quarterly categories, on up to $1,500 in purchases and 1% on everything else.
Pay your bills in full and on time to maximize your rewards and increase your
credit score.

The card also offers unlimited cash back match its first year, which means that
Discover will double your rewards after the initial 12 months. Earn $300 in cash
back? Discover will turn this into $600.

Beyond its excellent rewards, the card doesn’t charge an annual fee. You can
also take advantage of a 0% Intro APR for 6 months on purchases (followed by a
14.49% - 23.49% Variable APR).

CARD BENEFITS

 * Daily Experian credit report monitoring
 * No late payment fee the first time you pay late
 * Foreign transaction fees: None

Check out our Discover it® Student Cash Back review.


SIDE-BY-SIDE COMPARISON OF THE BEST CASH BACK CREDIT CARDS

Credit cardBest forCash back rateAnnual fee Chase Freedom Unlimited®OverallEnjoy
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier
rewards program that lets you redeem rewards for cash back, travel, gift cards
and more; 3% cash back on drugstore purchases and dining at restaurants,
including takeout and eligible delivery service, and 1.5% on all other
purchases.$0 Wells Fargo Active Cash® CardFlat-rate credit cardEarn unlimited 2%
cash rewards on purchasesEarn unlimited 2% cash rewards on purchases Citi®
Double Cash Card Intro APR on balance transfersEarn 2% on every purchase with
unlimited 1% cash back when you buy, plus an additional 1% as you pay for those
purchases.$0 Chase Freedom Flex℠Rotating 5% categories5% cash back on up to
$1,500 in combined purchases in bonus categories each quarter you activate.
Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel
purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1%
on all other purchases.$0 Capital One SavorOne Cash Rewards Credit CardDining
out, entertainment and groceries3% Cash Back on dining and entertainment; 3%
Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash
Back on all other purchases. Earn 8% cash back on Capital One Entertainment
purchases and tickets at Vivid Seats.$0 Blue Cash Preferred® Card from American
ExpressU.S. supermarket spending6% 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. Terms apply.$95 Amazon Prime Rewards Visa Signature CardAmazon
shopping5% back at Amazon.com and Whole Foods Market with an eligible Prime
membership, 2% back at restaurants, gas stations and drugstores and 1% back on
all other purchases.$0 SDFCU Premium Cash Back+ Credit CardNo foreign
transaction fee2% cash back.$0 USAA® Cashback Rewards Plus American Express®
CardMilitary membersEarn 5% cash back on your first $3,000 in gas and military
base purchases annually on these categories combined. Earn 2% on your first
$3,000 on supermarket purchases per year. Unlimited 1% cash back on all other
purchases.$0 Capital One QuicksilverOne Cash Rewards Credit CardPeople with fair
credit1.5% cash back on every purchase, every day; 5% cash back on hotels and
rental cars booked through capital one travel (terms apply).$39 Discover it®
Secured Credit CardSecured card2% 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.$0 Ink Business Cash® Credit CardSmall business
ownersEarn 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.$0 PNC Cash Rewards® Visa® Credit CardGas credit cardEarn 2% on grocery
store purchases, 3% on dining purchases at restaurants and 4% on gas station
purchases for the first $8,000 in combined purchases in these categories
annually. 1% cash back on purchases everywhere, every time.$0 Capital One®
Savor® Cash Rewards Credit CardMetal credit cardEarn unlimited 4% cash back on
dining, entertainment, and popular streaming services, 3% at grocery stores and
1% on all other purchases.$95 Discover it® Student Cash BackStudents5% cash back
on everyday purchases at different places each quarter like Amazon.com, grocery
stores, restaurants, gas stations and when you pay using PayPal, up to the
quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all
other purchases – automatically$0

To see rates and fees for the Blue Cash Preferred® Card from American Express,
please click here.


WHAT IS A CASH BACK CREDIT CARD?

Cash back credit cards earn rewards that are easily redeemable for cash.
Usually, the rewards rate is expressed as a percentage of spend (e.g., 4% back
on gas), and the rewards that accumulate in your account are denoted in dollars.

Tip: Some cards earn flexible points that are redeemable for cash as well as
other rewards. Some of the best cash back credit cards technically earn points
rather than cash rewards (like the Chase Freedom Unlimited). When you can redeem
these points for cash back at a value of 1 cent per point, these cards are
effectively cash back cards.

Most cash back credit cards allow you to redeem rewards in multiple ways:

 * Statement credit toward purchases made with the card (the most common option)
 * Direct deposit
 * Paper check by mail
 * Into a bank account at the issue bank
 * ATM withdrawal


TYPES OF CASH BACK CREDIT CARDS

 * Flat-rate cash back credit card — Flat-rate cash back credit cards earn cash
   back at the same rate on every purchase. The rewards rate is typically
   between 1% and 2%. A great example is the Wells Fargo Active cash card, which
   earns 2% cash back on every purchase.
 * Rotating cash back credit card —– Other cash back cards offer bonus cash back
   on categories that change on a monthly or quarterly basis. Examples include
   the Chase Freedom Flex and a number of Discover cards. Some category cards
   adapt to your spend each month, applying a bonus rate to the category with
   the most spend (e.g., the Citi Custom Cash Card). Some of the highest cash
   back credit earning rates are associated with rotating category cards.
 * Tiered category card — Many cards offer tiered rewards categories. These
   cards offer bonus cash back on certain categories of spend and 1% cash back
   on the remainder of your purchases. For example, cards that offer 3% or
   higher cash back rates on dining, gas or grocery spend are common.


SHOULD YOU APPLY FOR A CASH BACK CREDIT CARD?

For most people with sufficiently good credit, a cash back credit card is ideal.
These cards offer the simplest program structure. Earning and redeeming rewards
is very straightforward. Many cash back credit cards have no annual fee, making
them cheaper across the board than travel credit cards.

However, if you travel frequently, a cash back credit card might not be for you.
In many cases, you can get more value out of airline and hotel credit cards than
you would if you used a cash back credit card instead, especially if you know
how to maximize these points. Airline and hotel cards also often provide you
with valuable loyalty perks you wouldn’t receive with a cash back card.

There are general credit card pitfalls to consider as well. If you’re not sure
you will pay off your balance every month, then you should either use cash or
your debit card instead, as using a credit card will cost you more in the long
run as you pay monthly interest. The APR for rewards cards tends to be higher
than cards that don’t earn rewards. If you tend to forget to pay off your card,
then a card such as the Citi Simplicity with no penalty rate and no late fees is
a reasonable option.

Other card categories to consider:

 * Credit cards with 0% interest rates
 * Balance transfer credit cards
 * Credit cards for building credit


CASH BACK VS. POINTS AND MILES

For those who travel and are savvy with points and miles, points and miles can
be far more valuable than cash back. For example, a card that earns 3X miles
that can be redeemed at a value of 2.5 cents each offers more value to a
knowledgeable consumer. This is effectively a 7.5% rewards rate, which is better
than any of the best cash back credit cards on this page.

It can take more work, however, to maximize the value of hotel points and
airline miles. Cash back credit cards are far simpler.


PROS AND CONS OF CASH BACK CREDIT CARDS

 * Simple rewards with straightforward value
 * Many cash back cards have no annual fee
 * Often have easy-to-earn sign-up bonuses
 * Can offset the cost of your purchases by redeeming cash back as a statement
   credit

 * To offset travel costs, a travel card earning points might be better
 * Cash back cards don’t typically offer premium travel protections
 * APRs on cash back cards can be higher than on no-frills credit cards


HOW TO CHOOSE A CASH BACK CREDIT CARD

Now that you’ve seen some of the best cash back credit cards, let’s walk through
how to pick the perfect card for you. You’ll need some information on hand,
including your credit score and an estimate of how much you spend monthly in
various expense categories.


1. FIGURE OUT WHICH CARDS YOU QUALIFY FOR

Your credit score and history are the primary factor in determining which cash
back credit cards you can qualify for. Many of the best cash back cards require
excellent credit, which in FICO Score terms is a score of 740 or greater.
Depending on the card and issuer, you’ll also have to meet other eligibility
criteria, such as having sufficient income and not having opened too many credit
cards within a certain timeframe.

If you have good but not excellent credit, you should still qualify for a decent
number of cards, but some of the best cash back cards will not be available to
you, such as the Chase Freedom Flex℠.

The options will be quite limited if your credit is fair or poor, so you may
want to consider a card for rebuilding your score instead.

Don’t know your credit score? Sign-up for an account at LendingTree to get your
free credit score and recommendations to boost your score.

FICO ScoreVantage Score
 * 300-579 is poor credit
 * 580-669 is fair credit
 * 670-739 is good credit
 * 740-799 is very good credit
 * 800-850 is exceptional credit

 * 300-499 is very poor credit
 * 500-600 is poor credit
 * 601-660 is fair credit
 * 661-780 is good credit
 * 781-850 is excellent credit

Make sure you read the fine print of each offer. Even if you have great credit,
some issuers have other eligibility criteria you must meet. For example, Chase
has a “5/24” rule that may prevent you from being approved for a new Chase card
if you have opened five or more personal credit cards from any issuer in the
last 24 months (this is an unwritten rule). Similarly, Citi and American Express
have restrictions on welcome offer eligibility for new card accounts.


2. DECIDE WHAT LEVEL OF MAINTENANCE IS RIGHT FOR YOU

One of the primary appeals of cash back credit cards is their simplicity. Some
people only want a single card. If this is you, you’re likely to be better off
with a flat-rate cash back card. If you’re willing to do a bit more legwork and
tracking of bonus categories to maximize rewards, you’ll find that a tiered
category card may suit you better. Rotating category credit cards are the
toughest to manage, as the categories change, but they can provide an excellent
return.

What type of user are you?Choose a … You want the simplest rewards
possibleFlat-rate cash back credit card You want a card you can use
strategically to earn more cash backRotating cash back credit card You want a
card that matches your spending patternsTiered category card

Tip: If you’re willing to do some work, having multiple cash back credit cards
is the way to maximize your rewards. Pick a tiered category card that matches
your typical spending patterns and supplement it with a flat-rate cash back card
for non-category purchases. Consider adding a rotating 5% cash back credit card
to use strategically each quarter.


3. FIND REWARDS THAT MATCH YOUR SPENDING PATTERNS

Ultimately, you want to maximize your rewards rate, and that means tailoring
your cash back credit card pick(s) to your spending. Several cards offer bonus
spending on gas and grocery. However, if you live in New York City and don’t
have a car, bonus cash back at gas stations is useless. Likewise, if you shop
for food at superstores such as Walmart and Target, you won’t necessarily earn
the bonus since those stores are typically excluded. You’ll have to figure out
which cards offer bonus cash back in categories where you spend the most.

Popular bonus categories:

 * Groceries
 * Restaurants
 * Gas
 * Business purchases

Tip: Sometimes a cash back card for a specific retailer can be the best choice
if you do a large amount of shopping at a single store chain, such as Costco or
Walmart. A card such as the Capital One® Walmart Rewards® Card that earns 5% at
Walmart.com and 2% on in-person Walmart transactions could be the perfect fit,
if that’s where you do the bulk of your shopping.


4. CALCULATE WHICH CASH BACK CREDIT CARD IS BEST FOR YOU

Once you’ve narrowed down the field of choices to a few options, you may want to
do a head-to-head comparison. Take into account the various bonus categories and
how much you typically spend in each either monthly or yearly. For example, if
you spend approximately $500 in groceries each month and use a 2% flat-rate cash
back card to buy them, you’ll earn $120 in cash back each year.

Example: 12 months x $500 per month x $0.02 rewards rate = $120

It’s good to consider the value of any sign-up bonuses as well, but note that
these only affect the first year value. A card without a sign-up bonus could be
better in the long run.


EXAMPLE CARD COMPARISON

Card A (tiered cash back card)Card B (no-annual-fee flat-rate cash back card)
Sign-up bonus$250$200 Earning rate6% cash back on groceries 3% cash back on gas
1% cash back on everything else2% cash back on every purchase Rewards earned on
$6,000 in groceries$360$120 Rewards earned on $3,000 in gas$90$60 Rewards earned
on $11,000 in other spend$110$110 Annual fee$95$0 Rewards minus annual
fee$715$490 Annual rewards without factoring in sign-up bonus$465$290


FEATURES TO CONSIDER




SIGN-UP BONUS

A card’s sign-up bonus is often what attracts people to a specific card. Many of
our top cash back credit cards have a bonus in the neighborhood of $200. Make
sure that you can meet the required spend to earn the sign-up bonus. Ideally,
you’ll find a card that has both a decent sign-up bonus and offers good earning
rates for your specific situation.




EARNING RATE

The earning rate is usually the most essential feature of a cash back card. If
you want a flat-rate cash back card, make sure you select one that earns 2% on
everything. If a tiered card fits your spending patterns, pick one that has the
highest earning rate in those categories.




ANNUAL FEE

You’ll want to estimate how much cash back you’ll earn with each card and weigh
that against the annual fee. There are many great cash back credit cards without
an annual fee, but you may come out farther ahead by opting for a card with an
annual fee. For example, the Blue Cash Preferred® Card from American Express
earns 6% back on U.S. supermarket purchases, while the Blue Cash Everyday® Card
from American Express only earns 3% cash back on U.S. supermarket purchases
(redeemable for statement credits). Both cards have a $6,000 annual cap on the
U.S. supermarket bonus. If you reach this cap, you would earn $360 on U.S.
supermarket purchases with the Blue Cash Preferred® Card from American Express 
and only $180 with the Blue Cash Everyday® Card from American Express. The
annual fee is well worth it in this case. 




0% APR

If you are carrying a large balance on another credit card, you may want a cash
back credit card that offers an extended period of 0% APR for balance transfers.
You’ll pay a fee, but it could be less than the interest you’ll pay in the long
run. Likewise, if you have an upcoming large purchase, such as materials for a
home remodel, a card that offers a 0% intro APR for purchases may give you the
time you need to pay it off.




OTHER BENEFITS

Finally, some cards offer additional features, such as purchase protection,
extended warranty protection, travel insurance protections and no foreign
transaction fees. If these features are important to you, make sure you find a
card that offers them.




ARE CASH BACK CREDIT CARDS WORTH IT?

If you pay your balance off in full every month, then yes — cash back credit
cards are worth using. For example, if you spend $1,000 per month on a card that
earns a flat 2% cash back, that’s $20 in cash back. However, if you carry a
balance, interest charges will likely outweigh any cash back you earn,
especially because some cash back cards have higher APRs than simple, no-frills
credit cards.

It’s also important to consider whether or not the card you’re thinking about
applying for charges an annual fee, and whether you’ll earn enough cash back to
recoup the annual fee. For instance, the Blue Cash Preferred® Card from American
Express charges a $95 annual fee. If you spend at least $132 a month on
purchases that earn 6% cash back, you’ll cover the annual fee.


GETTING THE MOST OUT OF YOUR CASH BACK CARD

 * Pair two or more cash back credit cards to maximize your earning. For
   example, pick a good flat-rate card such as the Citi® Double Cash Card – 18
   month BT offer and the Capital One SavorOne Cash Rewards Credit Card for
   dining and grocery.
 * Choose at least one flat-rate cash back card that earns at least 2% cash
   back. This should be your benchmark rewards rate for all non-bonus spend.
 * Open at least one card with rotating 5% quarterly categories. These cards may
   have a cap on spend eligible for bonus rewards, but it’s hard to beat a 5%
   return.
 * Tailor your card choices to your spending patterns. Drive a lot? Consider a
   card that earns bonus cash back at gas stations, such as the PNC Cash
   Rewards® Visa® Credit Card that earns 4% cash back at the pump, on up to
   $8,000 in annual spend.
 * Pair a no-annual-fee Chase card with a premium Chase card. If you have a
   premium Chase travel card such as the Chase Sapphire Preferred® Card, the
   points you earn with a card such as the Chase Freedom Flex℠ are far more
   valuable.
 * Choose no-annual-fee cards unless you’re certain you’ll get a greater return
   from the one that charges a fee. For example, you have to spend $9,500 more
   with the Capital One® Savor® Cash Rewards Credit Card versus the Capital One
   SavorOne Cash Rewards Credit Card to justify the $95 annual fee of the
   former.
 * Pick at least one card that does not charge foreign transaction fees and is
   preferably a Visa, to provide the easiest usage and lowest cost when
   traveling abroad.


FREQUENTLY ASKED QUESTIONS




HOW DO CASH BACK CREDIT CARDS WORK?

There are different rewards structures for cash back cards, with some earning a
flat rate on every purchase, others earning elevated rates for purchases in
certain categories and still others offering higher cash back rates on rotating
bonus categories that change every quarter.

One nice thing about cash back cards is the simplicity of the rewards you earn.
When you earn points or miles, you have to evaluate what each point or mile is
worth for different redemption options. But if you earn a certain percentage of
cash back, you know immediately what that cash back will be worth when you
redeem it.




HOW DO YOU REDEEM CASH BACK REWARDS?

Typically, you can redeem cash back for checks, statement credits, deposits into
an eligible bank account or gift cards. Some cards allow you to redeem cash back
in any amount, while others have a minimum redemption amount of $25.




CAN YOU GET UNLIMITED CASH BACK?

There are cards that offer cash back with no spending limits. Other cards set a
limit on how much cash back you can earn at higher rates, then drop you down to
a 1% cash back rate once you hit quarterly or annual spending maximums.




IS THERE A CREDIT CARD THAT EARNS 2.5% OR 3% CASH BACK?

While it’s possible to find credit cards that earn 3% or more on certain
spending categories, if you want a flat-rate card that offers 2.5% or 3% back on
all purchases, you’re mostly out of luck. There is the Alliant Cashback Visa®
Signature Credit Card, which lets cardholders earn up to 2.5% cash back on your
first $10,000 of qualifying eligible purchases (1.5% for purchases over
$10,000). But you have to bank with Alliant Credit Union and meet certain
requirements to qualify for the 2.5% rate. For other flat-rate cards, the most
you’re likely to earn is 1.5% or 2% back.




WHAT CREDIT CARD GIVES THE MOST CASH BACK?

The credit card that will allow you to earn the most cash back depends on your
spending patterns and whether you prefer a flat-rate card that offers 1.5% to 2%
cash back on every purchase, a card that earns 5% cash back in rotating
categories (up to a quarterly maximum) or a card that offers a higher cash back
rate in popular spending categories, such as gas, dining or supermarkets.

For example, the Blue Cash Preferred® Card from American Express earns 6% cash
back in certain categories — but if your budget doesn’t include much spending in
those categories, you might prefer a card that earns 2% back on all purchases,
like the Citi® Double Cash Card .




WHICH TYPE OF REWARDS IS BEST — POINTS, MILES OR CASH BACK?

That depends on what you want to get out of the card. For example, if you want
to earn rewards to help offset the cost of travel, a card that offers points or
miles may be the better choice. But if you don’t travel much, you’ll most likely
have an easier time tracking the value of your rewards with a cash back credit
card.




IS CREDIT CARD CASH BACK TAXABLE?

Typically, cash back earned on a credit card is not taxable because the IRS
considers it a rebate on what you’ve spent. However, if you receive a bonus
without having to do any spending to earn it, that’s considered taxable income.




WHAT IS A GOOD CASH BACK RATE?

Your cash back credit card should be earning a minimum 2% cash back on all
purchases. A card like the Citi® Double Cash Card – 18 month BT offer is a good
benchmark since it earns 2% back on everything and doesn’t charge an annual fee.
For cards that earn cash back in rotating categories, you should target one
offering a 5% to 6% cash back rate. If you’re only earning 1% cash back, you’re
leaving rewards on the table.




WHAT IS THE BEST CASH BACK CREDIT CARD?

The Chase Freedom Unlimited® is our top pick from among the best cash back
credit cards. It earns cash an uncapped 1.5% cash back on all purchases but also
offers the flexibility to use those rewards in conjunction with other Chase
credit cards that earn Ultimate Rewards points.

However, we understand that these cards might not be the best fit for everyone.
Check out our list of cards above to help select the best cash back card for
your needs.




IS 5% CASH BACK GOOD?

Banks offer cash back credit cards to incentivize consumers to use their
products. Every transaction earns an issuing bank money, as they charge
merchants payment processing fees to accept cards. The bank can then use this
income to provide cash back rewards to consumers.

Banks are counting on many people carrying a balance, however, and the interest
charges will negate any rewards earned. Make sure you use your cash back credit
card wisely and pay off your statement balance every month.




IS CREDIT CARD CASH BACK TAXABLE?

Typically, cash back earned on a credit card is not taxable because the IRS
considers it a rebate on what you’ve spent. However, if you receive a bonus
without having to do any spending to earn it, that’s considered taxable income.




METHODOLOGY

We selected the best cash back credit cards through a review of cards available
on LendingTree and from top issuers. Factors included cash back rates, cash back
program structure and sign-up bonuses.

Additional factors included whether or not cards charge a foreign transaction
fee and/or an annual fee — most of the cards on this list charge no annual fee
or charge a reasonable fee that can be easily recouped by spending in cash back
categories.

Introductory APRs also factored into our selection, with many of the cards on
this list offering interest-free periods that can help finance a big purchase or
pay off a transferred balance. Finally, useful benefits such as cellphone
protection and extended warranty protection influenced our choices as well.

To see rates & fees for Blue Cash Preferred® Card from American Express please
click here.

Additional reporting by Ian Snyder


GLEN LUKE FLANAGAN

 * Expertise: Personal finance, credit scoring, credit cards
 * Education: Radford University, East Carolina University

 

--------------------------------------------------------------------------------

 



Glen Luke Flanagan is a senior credit card writer for LendingTree. He joined the
team in June 2019, and covers topics including new credit cards, how your credit
score works and what you need to know about credit card interest.
 
Before joining LendingTree, Glen worked in journalism and government
communications. As a journalist at newspapers in North Carolina and South
Carolina, his reporting won awards from the North Carolina Press Association and
the South Carolina Press Association, respectively.
 
Glen earned his bachelor’s degree in media studies with a concentration in
journalism from Radford University, graduating summa cum laude in May 2014. He
also earned a master’s degree in English with a concentration in technical and
professional communication, as well as a graduate certificate in marketing, from
East Carolina University in May 2022.

Read More

The above offers and/or promotions may have since changed, expired, or is no
longer available. Check the Issuers’ website for more details.


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