Best Cash Back Credit Cards of 2019

With the right cash back card, you can earn rewards that put money in your pocket. Take a look at some of the best cash back cards available from Bankrate's partners and start maximizing the money you spend on eligible purchases, from gas and groceries to dining and travel.

Bankrate's Top Cash Back Cards of 2019

Need more information?

Skip down to read our card profiles and expert advice.
Credit One Bank Image

NASCAR® Credit Card from Credit One Bank®

Recommended Credit Score

Excellent to Good (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Credit One Bank's secure website

NASCAR® Credit Card from Credit One Bank®

Rewards Rate:
Get double cash back rewards at the NASCAR.com Superstore, terms apply. Get 1% cash back rewards on eligible purchases
Annual Fee:
$0 - $99
Purchase Intro APR:
N/A
Regular APR:
20.24% - 26.24% Variable

Card Details

  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
  • No need to fret-you're covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts
Terms and Restrictions Apply
USAA Image

USAA® Rewards™ Visa Signature® Card

Recommended Credit Score

Excellent to Good (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On USAA's secure website

USAA® Rewards™ Visa Signature® Card

Rewards Rate:
Earn 2X points per dollar spent on gas and dining Earn 1X points for every dollar spent on all other purchases
Welcome Offer:
Get 2,500 bonus points with your first purchase
Annual Fee:
$0
Purchase Intro APR:
N/A
Regular APR:
12.15% - 28.15% Variable

Card Details

  • Earn 2X points per dollar spent on gas and dining with no cap
  • Earn 1X points for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Terms and Restrictions Apply
Discover Image

Discover it® Student Cash Back

Recommended Credit Score

Fair Credit (0 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Student Cash Back

Rewards Rate:
Earn 5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Earn 1% unlimited cash back on all other purchases – automatically.
Welcome Offer:
Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Annual Fee:
$0
Purchase Intro APR:
0% for 6 months
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
15.24% - 24.24% Variable

Card Details

  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
Discover Image

Discover it® Secured

Recommended Credit Score

Bad Credit to Limited (0 - 670)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Secured

Rewards Rate:
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Earn unlimited 1% cash back on all other purchases.
Welcome Offer:
We automatically match all the cash back you've earned at the end of your first year.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
25.24% Variable

Card Details

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • Intro Offer: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Credit One Bank Image

Credit One Bank® NASCAR® Visa® Credit Card

Recommended Credit Score

Fair Credit (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Credit One Bank's secure website

Credit One Bank® NASCAR® Visa® Credit Card

Rewards Rate:
Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.
Annual Fee:
$0 - $99
Purchase Intro APR:
N/A
Regular APR:
20.24% - 26.24% Variable

Card Details

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
  • Zero Fraud Liability ensures that your account is protected against unauthorized charges.
  • Accounts are automatically reviewed for credit line increase opportunities.
  • Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
Terms and Restrictions Apply
Pentagon FCU Image

PenFed Power Cash Rewards Visa Signature® Card

Recommended Credit Score

Excellent Credit (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Pentagon FCU's secure website

PenFed Power Cash Rewards Visa Signature® Card

Rewards Rate:
Earn 2% cash back through the PenFed Honors Advantage program 1.5% unlimited cash back on all purchases
Welcome Offer:
$100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% for 12 months
Regular APR:
11.99%-17.99% Variable

Card Details

  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of August 1, 2019 and are subject to change.
  • 1.5% unlimited cash back on all purchases. Flexible cash redemption options. No caps, limits or category restrictions on rewards. Earn 2% cash back through the PenFed Honors Advantage program
  • No annual or foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
Terms and Restrictions Apply
Discover Image

Discover it® Student chrome

Recommended Credit Score

Fair Credit (0 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Discover's secure website

Discover it® Student chrome

Rewards Rate:
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases – automatically.
Welcome Offer:
Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Annual Fee:
$0
Purchase Intro APR:
0% for 6 months
Balance Transfer Intro APR:
10.99% for 6 months
Regular APR:
15.24% - 24.24% Variable

Card Details

  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
Capital One Image

Journey® Student Rewards from Capital One®

Recommended Credit Score

Limited to Average (0 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Journey® Student Rewards from Capital One®

Rewards Rate:
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
26.96% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone
Terms and Restrictions Apply
Pentagon FCU Image

PenFed Platinum Rewards Visa Signature® Card

Recommended Credit Score

Excellent Credit (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Pentagon FCU's secure website

PenFed Platinum Rewards Visa Signature® Card

Rewards Rate:
Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards. Earn 3 points on supermarket purchases. Earn 1 point on all other purchases.
Welcome Offer:
$100 bonus after spending $1,500 in purchase transactions within 90 days of account opening.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% for 12 months
Regular APR:
11.99%-17.99% Variable

Card Details

  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of August 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low As 11.99% APR
Terms and Restrictions Apply
Charity Charge Image

Charity Charge World Mastercard® Credit Card

Recommended Credit Score

Excellent to Good (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Charity Charge's secure website

Charity Charge World Mastercard® Credit Card

Rewards Rate:
Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
Annual Fee:
$0
Purchase Intro APR:
1.99% for 6 monthly billing cycles
Balance Transfer Intro APR:
1.99% for 6 monthly billing cycles
Regular APR:
16.24%-22.24% (Variable)

Card Details

  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Claire Dickey

Questions? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.


Bankrate helps you cash in on cash back credit cards

Looking to earn cash back on credit card purchases? We can help you pick the right card for it. Before you make your decision, take a look at what you need to know about cash back credit cards.


 

What is a cash back credit card?

Just as the name says, this kind of card lets you earn cash back rewards on eligible purchases. For every $1 spent on those purchases, you earn a percentage back.

For example, a 3% cash back rate means 3 cents for every dollar in eligible spending. For a cardholder with a $4,000 annual grocery bill, earning 3% at the supermarket could mean up to $120 in cash back rewards.

Cash back cards are different from other types of rewards cards, like those that offer points or miles for travel purchases. Instead of complicated redemption programs, a cash back card typically offers a few simple ways to redeem your rewards, including:

  • Statement credits
  • Check payable to you
  • Direct deposits into one of your bank accounts
  • Gift cards

Depending on the card and the issuer, you also may be able to donate your cash back rewards to charity. Some travel cards allow charitable donations of points or miles, as well.

How can a cash back card save you money?

Cash back is essentially a discount on eligible purchases. You may not see it immediately at the register, but the payoff comes when you redeem your rewards.

Rewards rates: Flat, tiered and rotating bonus categories

Cash back cards come in a variety of forms. Flat-rate cash back cards, for example, give you the same rewards rate on every purchase. Cards with rotating categories or tiered cash back cards have categories that offer more cash back within certain spending groups (such as restaurants and gas stations).

Cards like the Discover it® Cash Back have rotating bonus categories that take a bit of effort to navigate in part because of the required quarterly sign-up. But with these cards, you’ll have the chance to earn a high level of rewards in a variety of categories throughout the year. With tiered rewards, you earn a set amount year-round for specific categories, such as 6% at U.S. supermarkets (on up to $6,000 annually, then 1%) with the Blue Cash Preferred® Card from American Express.

When deciding which type of cash back card is best for you, it’s important to know all of the options available to you.

Flat-rate

Flat-rate cash back cards offer the same rewards rate for each eligible purchase. These cards are great for those who aren’t keen on activating and tracking bonus categories each quarter. The Citi® Double Cash Card is a prime example of a flat-rate cash back card, as it offers 1% cash back for every purchase and an additional 1% for paying of that purchase.

Tiered

Tiered cash back cards earn you more cash back the more you spend — or in some cases, the more money you have available in your associated account. For example, the Bank of America® Premium Rewards® credit card offers higher rewards rates based on your Bank of America checking, savings or investment account value. If your account is worth $20,000-$49,999, you’ll get 2.5X points back on travel and dining and 1.875X on everything else, compared to the normal 2X on travel and dining and 1.5X on everything else. And it only goes up from there — you’ll earn 3.5X on travel and dining and 2.625X on everything else with an account value of $100,000 or more.

Rotating bonus categories

With rotating categories, you’ll often get higher rewards rates, but a majority of these cards require enrollment in order to receive cash back in the category. This can be a problem for forgetful cardholders. Normally, if you forget to enroll, the issuer defaults your earnings in that category to 1% cash back.

Also, take category caps into consideration. Cards with rotating bonus categories tend to set caps on how much you can earn in high rewards categories. For example, the Discover it® Cash Back offers 5% cash back on rotating categories when you activate and enroll, but it caps the bonus rate earnings at $1,500 in purchases per quarter. After that, you’ll earn an unlimited 1%.

Figuring out which card is right for you

Review your spending for the past few months to see which categories you purchased the most in, and make sure to have your credit score handy to know which cards you have a chance at being approved for.

A busy family of four would most likely benefit more from a card that offers greater rewards on gas and groceries, such as the 6% cash back at U.S. supermarkets (on up to $6,000 annually, then 1%) and 3% at U.S. gas stations offered by the Blue Cash Preferred® Card from American Express, than a cash back card focused on travel. Frequent warehouse shoppers may find that a co-branded card, such as the Costco Anywhere Visa® Card by Citi, would give them the most bang for the buck.

If you can’t pinpoint an area where you spend the most in, go with a general-purpose cash back card that will get you earn rewards on most any kind of eligible purchase.


Pick a card that’s aligned with how you spend money. Some cards give you 2% cash back on all purchases while others may provide 5% cash back in rotating categories (like restaurants or travel) and 1% on everything else. Find the card that will give you the maximum benefit based on which categories you tend to spend the most amount of money in each month.

— Priya Malani, Founding Partner Stash Wealth


Pros of owning a cash back card:

  • Most cash back cards offer an unlimited 1% cash back on purchases outside of bonus categories.
  • Many offer cash back bonuses for hitting certain spending requirements within a time period.
  • You can normally redeem your cash back for things like merchandise, airfare, hotel stays, statement credits and more.

Cons of owning a cash back card:

  • Some cards require enrollment to receive a high level of cash back each quarter.
  • It’s not unusual for issuers to put a cap on how much you can earn within higher rewards categories.
  • You may have trouble maxing out your bonus categories if they aren’t relevant to your lifestyle.

Things to watch out for with cash back cards

With a cash back card, the amount you accrue is simple and easy to follow — it’s essentially a rebate on everything you spend. However, owning any kind of credit card means being aware of some potential pitfalls.

APR that cancels out rewards

When you run a large balance on your credit card, APR (annual percentage rate) could cancel out the rewards you’ve earned.

As long as you consistently pay off your balance each month, you can avoid paying these interest charges. But if you tend to carry a balance, your top priority when researching cash back cards should be looking for cards that offer lower APR or a pass on your first late payment.

Overspending for a bonus

Many cards offer sign-up bonuses that require you to spend a specific amount of money within a specific time-frame. You might feel tempted to sign up for a card just for the welcome offer, but be careful. By acting impulsively, you could overspend to qualify for the offer and end up carrying a balance.

Make sure the spending requirement is in line with how much you normally spend with a credit card. Running up a balance you can’t pay off in time could subject you to high APR, potentially making the sign-up bonus a net loss.

Letting your points expire

Above all, remember to redeem your cash back. If you don’t, there’s no use in getting a cash back card in the first place.

A number of cards offer rewards that don’t expire, but don’t assume every card does. Check the fine print and keep an eye on the rewards you’ve earned. If you have a big purchase planned, consider stockpiling your rewards for a while.

How often cash back is redeemed 2016 2017
Once a month or more 15% 24%
A few times a year 30% 32%
Once a year or less 20% 25%
Infrequently or never 35% 19%

Source: 2017 TSYS U.S. Consumer Payment Study


I have always chosen cash back credit cards over travel rewards cards for the one reason of simplicity. It is so much easier to know that for every $1,000 I spend I am getting $20 cash back (2%) rather than accumulating miles that have to be used to purchase a flight based on credit card companies’ conversion factors. If I want to travel, I can spend my cash back rewards on flight purchases, it’s so much simpler this way.

— Phillip Christenson, CFA, Portfolio Manager & Financial Advisor at Phillip James Financial


How to maximize bonus categories

Let’s break down how you can get the most out of rotating bonus categories using the Discover it® Cash Back as an example. You can try a similar strategy with any card as long as it matches up with the respective rewards structure.

Enroll/activate each quarter

Rotating category cards typically require you to enroll or activate (the language varies) the bonus categories for the upcoming quarter to earn the higher bonus rate. If you don’t, you’ll earn the standard rate.

With the Discover it Cash Back, upon enrollment you’ll earn 5% cash back in quarterly, rotating bonus categories on up to $1,500 in purchases and an unlimited 1% cash back on everything else.

Target your spending

In order to get the most out of a bonus category, try to max out the spending limit for the quarter. Depending on the card, it could be in the neighborhood of $3,000. After you reach the limit, the rewards rate typically returns to the standard percentage.

Be aware that it may be difficult to maximize your rewards if the bonus category covers the kind of purchases you don’t normally spend a lot of money on.

Discover’s 2019 bonus categories include grocery stores, gas stations, Uber, Lyft, Paypal, restaurants, Amazon.com, Target and Walmart.com. By maxing out all four of the Discover it Cash Back bonus categories throughout the year (capped at $1,500 in spending each quarter), you’ll earn $300 in cash back — not including spending you’d do in the 1% cash back category; activation required. Say you spend an additional $500 each quarter on non-category spending; that’s an extra $20 in cash back for the year.

Consider combining cards

A combination of cards might serve you best. Some rewards credit cards offered by the same issuer let you use different cards to suit your needs and combine points.

Consider the Chase Freedom®, Chase Sapphire Reserve and Ink Business Preferred Credit Card. Consumers who spend across a wide variety of categories can pick up this combination of cards and combine Chase Ultimate Rewards® points when they’re ready to redeem. By having all three cards, consumers can utilize bonus categories efficiently to maximize rewards for the year.

You can try the same kind of strategy with cards that earn American Express Membership Rewards or Citi ThankYou Points. The key is, once again, choosing cards that make sense with your regular spending patterns so you can maximize the rewards you earn.

Explore the card’s ‘online mall’

Some card issuers feature online shopping portals that offer cash back incentives, discounts or both. Examples include Chase Ultimate Rewards® and Barclaycard RewardsBoost.


Make sure you understand what the terms are for receiving cash back, like which purchases are eligible and if you’re going to be paying an annual fee for the card. Don’t let attractive offers lead you into opening a credit card unnecessarily. It’s not worth damaging your credit simply to chase down rewards. Find what works best for you, be disciplined and stick with it.

— Douglas A. Boneparth, CFP®, President of Bone Fide Wealth, LLC


Bankrate’s top picks for cash back credit cards

Card Name Bankrate Score Best For
Capital One® SavorOne® Cash Rewards Credit Card 4.6/5 No annual fee
HSBC Cash Rewards Mastercard® credit card 4.3/5 Cash back earnings in the first year
Chase Freedom Unlimited® 4.6/5 1.5% cash back on everything
Capital One® Quicksilver® Cash Rewards Credit Card 4.7/5 Your first rewards card
Citi® Double Cash Card 4.3/5 Flat-rate cash back
Bank of America® Cash Rewards credit card 4.4/5 Banking relationship bonuses
Discover it® Cash Back 4.7/5 Cash back bonus
Capital One® Savor® Cash Rewards Credit Card 4.6/5 Dining and entertainment
ABOC Platinum Rewards Mastercard® N/A Earning points in rotating categories
U.S. Bank Cash+™ Visa Signature® Card 4.5/5 Personalized rewards

Capital One® SavorOne® Cash Rewards Credit Card

What we love:

  • Unlimited 3% cash back on dining and entertainment, 2% on grocery stores and 1% on everything else
  • Earn $150 when you spend $500 in your first three months
  • 15-month 0% introductory APR offer on purchases and balance transfers (16.24% – 26.24% variable APR thereafter)
  • No foreign transaction fees
  • No annual fee

This card isn’t for you if: You don’t regularly spend on entertainment and eating out.

Bottom line: The SavorOne by Capital One is a great no annual fee cash back card for earning unlimited rewards.

Read the full review and apply on Capital One’s secure website.

HSBC Cash Rewards Mastercard® credit card

What we love:

  • 3% cash back on up to $10,000 spent within the first year of opening your account and 1.5% unlimited cash back on all purchases afterward
  • 10% anniversary bonus on all cash rewards earned at the end of every year as an account holder
  • No annual fee
  • No foreign transaction fees
  • 0% introductory APR on credit card purchases and balance transfers for 12 months (15.24%, 19.24% or 25.24% variable thereafter)

This card isn’t for you if: You’re looking for another no annual fee card with higher cash back rewards rates for long-term value.
Read the full review and apply on HSBC’s secure website.

Chase Freedom Unlimited®

What we love:

  • 3% cash back offer for your first year on all purchases (up to $20,000, then 1.5%)
  • Redeem for cash back, travel, gift cards or shop with points on Amazon.com
  • 15-month 0% introductory APR offer on purchases and balance transfers (17.24% – 25.99% variable APR thereafter)
  • No annual fee

This card isn’t for you if: You prefer a cash back welcome offer.

Bottom line: The Freedom Unlimited is a solid no annual fee cash back card with flexible redemption options.

Read the full review and apply on Chase’s secure website.

Capital One® Quicksilver® Cash Rewards Credit Card

What we love:

  • Earn 1.5% cash back on all purchases with no limit on how much cash back you can earn
  • $150 sign-up bonus when you spend $500 in your first three months
  • 15-month 0% introductory offer on purchases and balance transfers (16.24% – 26.24% variable APR thereafter)
  • No annual fee

This card isn’t for you if: You’re looking for a high-earning cash back card.

Bottom line: The Quicksilver from Capital One is a great starter cash back card for earning rewards on everyday purchases.

Read the full review and apply on Capital One’s secure website.

Citi® Double Cash Card

What we love:

  • Earn an unlimited 1% on every purchase as you buy and another 1% as you pay off your purchase.
  • 18-month 0% introductory APR offer on balance transfers (15.99% – 25.99% variable APR thereafter)
  • The Lost Wallet® Service will replace your lost card within 24 hours
  • No annual fee

This card isn’t for you if: You have the ability to spend more, especially in specific categories.

Bottom line: The Double Cash card is a great tool for keeping practicing healthy card habits due to its 1% cash back incentive after paying off a purchase.

Read the full review and apply on Citi’s secure website.

Bank of America® Cash Rewards credit card

What we love:

  • Bank of America Preferred Rewards clients receive up to a 25% to 75% cash back bonus on purchases, adding value to an already robust rewards program.
  • Having the choice of six categories for 3% cash back (travel, gas, online shopping, dining, drug stores and home improvement/furnishings on the first $2,500 in combined 2% and 3% category purchases each quarter) provides a ton of flexibility for earning rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • The sign-up bonus — $200 in online cash rewards after you make $1,000 in purchases during the first 90 days — is easily obtainable.

This card isn’t for you if: Your spending habits don’t align with the quarterly earning limits. The $2,500 cap on combined spending for your 3% choice category and the 2% grocery store and wholesale club category could limit the earning potential of big-time grocery shoppers.

Bottom line: The banking bonuses help make this card an attractive companion for BofA account holders who make a fair amount of household-oriented purchases.

Read the full review and apply on Bank of America’s secure website.

Discover it® Cash Back

What we love:

  • Enroll to earn 5% cash back at different places every quarter (up to $1,500 per quarter) and 1% on everything else
  • Discover will automatically match all of the cash back you’ve earned at the end of your first year
  • 14-month 0% introductory APR offer on purchases and balance transfers (14.24% to 25.24% variable APR thereafter)
  • Your first late payment fee is waived (up to $39 thereafter)
  • No foreign transaction fees
  • No annual fee

This card isn’t for you if: You have trouble remembering to activate bonus categories.

Bottom line: The Discover it Cash Back’s welcome bonus is an excellent way to double your cash back earnings for your first year.

Read the full review and apply on Discover’s secure website.

Capital One® Savor® Cash Rewards Credit Card

What we love:

  • Get an unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else
  • $300 cash bonus when you spend $3,000 in your first three months
  • $95 annual fee waived your first year
  • No foreign transaction fees

This card isn’t for you if: You don’t get out often.

Bottom line: As the sibling to the SavorOne, the Savor card is a stellar way to earn a high level of cash back rewards on your dining and entertainment purchases.

Read the full review and apply on Capital One’s secure website.

ABOC Platinum Rewards Mastercard®

What we love:

  • $1 spent equals 1 point; points never expire, and there’s no limit on how many you can earn
  • No annual fee, no foreign transaction fee
  • Earn 5x rewards on up to $1500 in purchases per quarter (categories include: dining, travel, auto, home improvement, and groceries)
  • $150 statement credit after spending $1,200 within the first 90 days as an account holder
  • 0% introductory APR on purchases and balance transfers for 12 months, then 14.90% – 24.90% variable APR.

This card isn’t for you if: You frequently travel abroad, due to the 3% foreign transaction fee.

U.S. Bank Cash+™ Visa Signature® Card

What we love:

  • Pick two out of 12 categories each quarter to earn 5% cash back in (up to $2,000 in combined purchases per quarter) and one out of three categories to earn an unlimited 2% cash back in. You’ll earn 1% on all other purchases.
  • Redeem your cash back for statement credit, direct deposit into your U.S. Bank checking/savings account or as a rewards card
  • No annual fee

This card isn’t for you if: You want a simple, cash back card without category caps.

Bottom line: The U.S. Bank Cash+ card was made to give cardholders a say in where they earn rewards, but you must remember to log in and select your category choices.

Read the full review and apply on U.S. Bank’s secure website.

Additional reviews and research

For more information on the best cash back credit cards for, read our expert reviews on individual cards.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.