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If you’re in the market for a new credit card, look for a cash-back credit card that offers generous rewards and sign-up bonuses. The card that’s right for you depends on your spending habits and financial situation.
Do you want a fixed-rate reward for all purchases or a bonus for spending in certain categories, like gas or groceries? Choose wisely. There are hundreds of dollars at stake here.
Here are some popular cash-back credit cards, according to the experts at CreditCards.com.
Reward yourself today. Apply for a cash-back credit card now.
|Citi Double Cash||1% cash back on all purchases; 1% cash back when you pay your bill on time||0% APR on balance transfers for 18 months|
|Chase Freedom Unlimited||Unlimited 1.5% cash back on all purchases||Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening|
Citi Double Cash
This card has a simple rewards structure with no categories to track, no cap on cash back and no annual fee.
- Earn cash back twice: 1 percent on general purchases and 1 percent when you pay your bill on time. Two percent cash-back on everything makes this an industry-leading card for cash back on general purchases.
- Pay no interest on balance transfers for 18 months.
- Register your purchases online through the Citi Price Rewind program and the company will search for lower prices on those items and refund you the difference on better deals.
Who should get this card
This card is good for those seeking an affordable cash-back card with generous rewards on all purchases and an easy-to-use rewards structure. There’s no chasing bonus categories, no rotating categories and no annual fee.
This card charges a variable APR of 14.49 to 24.49 percent.
If you typically carry a balance, or often fail to pay on time, this may not be the card for you. There’s also no sign-up bonus, something you’ll find on other competing cards.
Look for a simple way to enjoy rewards. Find a cash-back credit card now.
Chase Freedom Unlimited
CreditCards.com says this card is just as good as the Blue Cash Preferred. It’s ideal for the busy cardholder who doesn’t have time to worry about spending on bonus categories.
- Earn an unlimited 1.5 percent cash back on ever purchase.
- Earn a $150 bonus after you spend $500 on purchases in your first three months from account opening
- 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99 to 24.74 percent.
Who should get this card
This card is good for those who want an easy-to-use everyday cash back credit card with rewards for all purchases. While the rewards aren’t as generous as competing cards, its simplicity and reliable rewards system makes up for the lower rate.
Freedom Unlimited charges no annual fee, making it a more affordable option than some other cash-back cards. It isn’t ideal if you do a lot of spending in one particular category that could earn a higher reward elsewhere.
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