Best Cash Back Credit Cards of 2019

With the right cash back card, you can rake in some serious cash. Take a look at some of the best cash back cards right now from Bankrate's partners to start maximizing what you spend. There are cash back cards for people with all types of budgets and credit goals; find yours today to start earning cash back on all 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.

Best for gas, dining & large purchases

Discover Image

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%.

Best for on-time payment bonus

Capital One Image

Recommended Credit Score

Limited to Average (300 - 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

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:
See Terms
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% for 12 months
Regular APR:
11.99%-17.99% Variable

Card Details

  • 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. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of April 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

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

Best for gas rewards for Costco members

Citi Image

Recommended Credit Score

Excellent (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 Citi's secure website

Costco Anywhere Visa® Card by Citi

Rewards Rate:
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases
Annual Fee:
$0*
Purchase Intro APR:
N/A
Regular APR:
17.49%* (Variable)

Card Details

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership*
Terms and Restrictions Apply

Best for overall rewards

Wells Fargo Image

Recommended Credit Score

Good to Excellent (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 Wells Fargo's secure website

Wells Fargo Propel American Express® Card

Rewards Rate:
Earn 3X points for eating out and ordering in Earn 3X points for gas stations, rideshares and transit Earn 3X points for travel including flights, hotels, homestays and car rentals Earn 1X points on other purchases
Welcome Offer:
Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
Annual Fee:
$0
Purchase Intro APR:
0% for 12 months
Balance Transfer Intro APR:
0% for 12 months on qualifying balance transfers
Regular APR:
16.24% to 28.24% (Variable)

Card Details

  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
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.


Everything you need to know about cash back credit cards

Looking to earn cash back on your spending? We can help you do so. 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?

Simply put, a cash back credit card rewards you for your spending with cash rewards. They’re often more simple than rewards cards, which boast complicated points redemption structures.

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.

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 your bonus categories if they aren’t relevant to your lifestyle.

How a cash back card can save you money

Credit card rewards come in all shapes and sizes, from airline miles to points to cash back. With a cash back card, the amount you accrue is simple and easy to follow – it’s essentially a rebate on everything you spend.

Interest rates

One thing to keep in mind with a cash back card is interest rates. The APR offered by a card for purchases and balance transfers can potentially cancel out any rewards you’ve earned throughout the year if you aren’t careful.

As long as you consistently pay off your balance each month, you can completely avoid paying a dime in interest. But if you tend to carry a balance, your top priority when researching cash back cards should be looking for cards with lower interest rates, like the Discover it® Cash Back’s 14.24% – 25.24% variable APR, and a pass on your first late payment, also offered by the Discover it® Cash Back.

0% offers are a good way to handle a large purchase or balance transfer. For example, the Blue Cash Everyday® Card from American Express offers a 15 month-long 0% introductory period on purchases and balance transfers (15.24% – 26.24% Variable APR thereafter).

Sign-up bonuses and more

Lastly, take sign-up bonuses into consideration. It’s important to avoid blindly signing up for a card just for the welcome offer. By doing so, you may overspend to receive the offer and end up carrying a balance. The Wells Fargo Cash Wise Visa® Card, for example, has a great sign-up bonus of $200 when you spend $1,000 within the first 3 months of account opening. This offer was boosted from $150 and is among the best sign-up offers for cards of its caliber.

There are other ways cash back cards can earn you money outside of sign-up bonus. For example, the Discover it® Cash Back will match all of the cash back you’ve earned at the end of your first year. Further, Citi® Double Cash Card doesn’t even offer a sign-up bonus, but does offer a great rewards rate of 2 %, 1% when you buy and 1% as you make payments for those purchases.

Your takeaway

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. Take a look at how frequently cardholders redeem their cash back.

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%

Based on 2017 Consumer Payment Study by TSYS U.S.

Typical rewards rates: bonus vs. flat-rate cash back

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 bonus categories

Flat-rate cash back cards offer the same rewards rate for each and every 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 great 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 bonus categories

Tiered cash back cards earn you more cash back the more you spend or 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

Determine if you’re willing to keep up with rotating bonus categories that some cards offer. 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.

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 select categories when you activate and enroll, but it caps at $1,500 in purchases per quarter. After that, you’ll earn an unlimited 1%.

Determine what’s best 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 rewards every time you swipe the card.

Cash back vs. travel rewards

Cash back cards are the most basic version of a rewards card. Although the cash back rewards structure can vary greatly from card to card, they all ultimately give the same type of reward back: cash. But with travel rewards cards, there are a few ways to use the rewards you earn.

Some travel rewards cards give you the option to redeem points or miles for travel or cash back. With travel-specific cards, you’ll usually get the most value out of your rewards when redeeming for travel.

Your takeaway

Just like cash back cards, the best travel rewards card for you depends on your lifestyle and spending habits. If you travel a handful of times a year, you’ll get less value out of a high annual fee travel rewards card than a jet-setting world traveler will. Check out how cash back and travel rewards are favored among cardholders:

Which type of rewards are most favored?

  • 78%
  • Cash back
  • 29%
  • Travel

Based on 2017 Consumer Payment Study by TSYS U.S.

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 cash back cards

Let’s break down how you can maximize your cash back card using an examples:

Discover it® Cash Back

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.

In order to get the most out of this card, try and max out the bonus category. Be aware that it may be difficult to do so each quarter if Discover chooses a category you don’t typically spend in.

For 2019, you’ll have the chance to earn at grocery stores, gas stations, Uber , Lyft, Paypal, restaurants, Amazon.com, Target, and Walmart. com. Additionally, you’ll double what you’ve earned in rewards at the end of your first year of card ownership with the Cashback Match™ feature. Thankfully, you won’t be charged an annual fee, so you won’t have to factor in how much cash back you’ll need to make up for the yearly charge.

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. 

Finally, with the Cashback Match™ feature, Discover will double the $320 worth of cash back that you’ve earned at the end of your first year, meaning you’ll earn $640 for the year.

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 cash back credit cards

Card Name Bankrate Score Best For
Capital One® Quicksilver® Cash Rewards Credit Card 4.8/5 Your first cash back credit card
Chase Freedom Unlimited® 4.6/5 1.5% cash back on everything
Capital One® SavorOne℠ Cash Rewards Credit Card 4.7/5 No annual fee
Discover it® Cash Back 4.8/5 Cash back bonus
Capital One® Savor® Cash Rewards Credit Card 4.6/5 Dining and entertainment
Citi® Double Cash Card 4.3/5 Flat-rate cash back
Chase Freedom® 4.5/5 Rotating cash back categories
Blue Cash Everyday® Card from American Express 4.3/5 Gas and groceries
Citi Rewards+℠ Card  4.6/5 Small everyday purchases
U.S. Bank Cash+™ Visa Signature® Card 4.5/5 Personalized cash back rewards

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.

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® 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.

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.

Citi® Double Cash Card

What we love:

  • Earn an unlimited 1% on every purchase as you buy and another 1% when you pay off your purchase.
  • 18-month 0% introductory APR offer on balance transfers (15.74% – 25.74% 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.

Chase Freedom®

What we love:

  • Get 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and 1% on everything else
  • $150 cash bonus when you spend $500 in your first three months
  • 15-month 0% introductory APR offer on purchases and balance transfers (17.24%- 25.99% variable)
  • No annual fee

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

Bottom line: With the Chase Freedom, you’ll have the flexibility to choose where you earn your cash back rewards — all with no annual fee.

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

Blue Cash Everyday® Card from American Express

What we love:

  • Earn 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 2% at U.S. gas stations and select U.S. department stores and 1% on everything else.
  • The Plan It® feature allows you to split up big purchases over time with no interest, plus a fixed monthly fee
  • $150 welcome bonus when you spend $1,000 within your first three months
  • 15-month 0% introductory APR on purchases and balance transfers (15.24% – 26.24% variable APR thereafter)
  • No annual fee

This card isn’t for you if: You don’t spend much on gas and groceries.

Bottom line: The Blue Cash Everyday is a great low-maintenance card option for busy families; it doesn’t require bonus category activation and offers and an easily attainable welcome bonus.

Read the full review and apply on the American Express secure website.

Citi Rewards+℠ Card

What we love:

  • Get 2X points at supermarkets and gas stations (up to $6,000 per year, then 1X) and 1X points on everything else
  • Citi rounds up each purchase to the nearest 10 points with no cap
  • Earn 10% of your points back for the first 100,000 ThankYou® Points you redeem each year
  • No annual fee

This card isn’t for you if: You’re looking to make a balance transfer. The introductory 0% APR period for balance transfers is only 15 months (15.74% – 25.74% variable APR thereafter) and includes either a $5 or 3% fee, whichever is greater.

Bottom line: The Citi Rewards+ is a great cash back card option for small purchases thanks to its roundup feature. For example, a $2 coffee could earn you 10 points.

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

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.