17 Best cash back credit cards for November 2024
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- Best for dining: Capital One Savor Cash Rewards Credit Card
- Best for everyday spending: Chase Freedom Unlimited®
- Best for flat-rate rewards: Wells Fargo Active Cash® Card
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best for Amazon Prime members: Prime Visa
- Best for stacking: Citi Custom Cash® Card
- Best for cash back beginners: Synchrony Premier World Mastercard®
- Best for online shopping: Blue Cash Everyday® Card from American Express
- Best for category variety: Discover it® Cash Back
- Best for flexibility: Bank of America® Customized Cash Rewards credit card
- Best for balance transfers: Citi Double Cash® Card
- Best for simplicity: Capital One Quicksilver Cash Rewards Credit Card
- Best for low APR: USAA Preferred Cash Rewards Credit Card
- Best for Bank of America customers: Bank of America Unlimited Cash Rewards Credit Card
- Best for quarterly customizable categories: TD Cash Credit Card
- Best for TD Bank customers: TD Double Up Credit Card
- Best for personal loan alternative: Upgrade Cash Rewards Elite Visa®
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Showing 17 results
Intro offer
$250 Cash Back
Rewards rate
1% - 8%
Annual fee
$0
Regular APR
19.74% - 29.74% (Variable)
Why you'll like this: It offers boosted rewards at restaurants and grocery stores, making it a great choice for foodies at home and on the go.
Intro offer
Up to $300 cash back
Rewards rate
1.5% - 5%
Annual fee
$0
Regular APR
19.99% - 28.74% Variable
Why you'll like this: You’ll earn valuable, flexible points in everyday categories.
Intro offer
$200 cash rewards
Rewards rate
2%
Annual fee
$0
Regular APR
19.74%, 24.74%, or 29.74% Variable APR
Why you'll like this: It offers one of the highest flat cash rewards rates out there, an excellent intro APR offer and a solid welcome bonus.
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn $250
Rewards rate
1% - 6%
Annual fee
$0 intro annual fee for the first year, then $95.
APR
18.74%-29.74% Variable
Why you'll like this: It boasts one of the best cash back rates at U.S. supermarkets, making it more valuable than many no-annual-fee cards.
Intro offer
Get a $200 Amazon Gift Card
Rewards rate
1% - 10%
Annual fee
$0
Regular APR
19.99% - 28.74% Variable
Why you'll like this: The Prime Visa rewards loyal Prime members with great cash back rates on Amazon and Whole Foods purchases.
Intro offer
$200
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
18.74% - 28.74% (Variable)
Why you'll like this: Its top-rate customizable bonus category makes it a uniquely versatile option.
Intro offer
N/A
Rewards rate
2%
Annual fee
$0
Regular APR
18.74% - 34.49% Variable APR as of October 1, 2024
Why you'll like this: It keeps things ultra simple, making it easy to earn cash back without worrying about bonus categories or complex redemption.
Best for online shopping
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn $200
Rewards rate
1% - 3%
Annual fee
$0
APR
18.74%-29.74% Variable
Why you'll like this: Its cash back rates in everyday spending categories are among the best available on a no-annual-fee card.
Intro offer
Cashback Match
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
18.74% - 27.74% Variable APR
Why you'll like this: You can earn a massive sum of cash back on various purchases with Discover’s rotating categories and Cashback Match.
Best for flexibility
Intro offer
$200
Rewards rate
1% - 3%
Annual fee
$0
Regular APR
18.74% - 28.74% Variable APR on purchases and balance transfers
Why you'll like this: Earn a high rewards rate in one category of your choice without sacrificing rewards on everyday spending.
Intro offer
$200 cash back
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
18.74% - 28.74% (Variable)
Why you'll like this: Its flat cash back rate makes it easy to maximize rewards on nearly any purchase.
Intro offer
$200
Rewards rate
1.5% - 5%
Annual fee
$0
Regular APR
19.74% - 29.74% (Variable)
Why you'll like this: It’s a great starter card thanks to its streamlined rewards and easy-to-earn welcome bonus.
Intro offer
Earn a $200 reward bonus
Rewards rate
1.5% cash back
Annual fee
$0
Regular APR
16.65% to 28.65% variable
Why you'll like this: Simple and easy card for USAA members to earn rewards on everyday spending while minimizing interest.
Best for Bank of America customers
Intro offer
$200
Rewards rate
1.5%
Annual fee
$0
Regular APR
18.74% - 28.74% Variable APR on purchases and balance transfers
Why you'll like this: This card can offer perhaps the highest flat cash back rate on the market through the issuer’s loyalty banking program.
Only Available in 15 East Coast States and D.C.
Intro offer
$200 Cash Back
Rewards rate
1% Cash Back - 3% and 2% Cash Back
Annual fee
None
Regular APR
19.74%, 24.74% or 29.74% variable APR based on your creditworthiness.
Why you'll like this: It’s more flexible than the average cash back card since it lets you pick the two everyday bonus categories that fit you best.
Only Available in 15 East Coast States and D.C.
Intro offer
$150 Cash Back
Rewards rate
2% Cash Back
Annual fee
None
Regular APR
19.74%, 24.74% or 29.74% variable APR based on your creditworthiness.
Why you'll like this: You’ll unlock both a solid flat rewards rate and a chance to chip away at debt with an intro APR.
Intro offer
$200
Rewards rate
2.2%
Annual fee
$0
Regular APR
14.99% - 29.99%
Why you'll like this: It carries a relatively low APR and can help you save on everyday spending with its better-than-average flat rewards rate.
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Compare Bankrate's top cash back credit cards
Card name | Best for | Cash back highlights | Welcome offer |
Annual fee
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Bankrate review score
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Dining |
3% cash back on dining, entertainment, popular streaming service and grocery store purchases (excluding Walmart® and Target®) |
Intro Offer: $250 Cash Back
$250 Cash Back after you spend $500 on purchases within 3 months from account opening
Regular APR: 19.74% - 29.74% (Variable)
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5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Everyday spending |
5% cash back on Lyft purchases (through March 2025) and travel booked through Chase Travel 3% cash back on dining at restaurants and drugstore purchases 1.5% cash back on all other purchases |
Intro Offer: Up to $300 cash back
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 Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Regular APR: 19.99% - 28.74% Variable
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4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
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Flat-rate rewards |
2% cash rewards on purchases |
Intro Offer: $200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Regular APR: 19.74%, 24.74%, or 29.74% Variable APR
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4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
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Groceries |
6% cash back at U.S. supermarkets (up to $6,000 per year, 1% after) and on select U.S. streaming subscriptions
3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking and more) |
Intro Offer: Earn $250
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Regular APR: 18.74%-29.74% Variable
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Amazon Prime members |
10% cash back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership 2% cash back at gas stations, restaurants, and on local transit and commuting (including rideshare) |
Intro Offer: Get a $200 Amazon Gift Card
Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Regular APR: 19.99% - 28.74% Variable
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4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Amazon's secure site
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Stacking |
5% cash back on your top eligible category purchases each billing cycle (up to $500, then 1% cash back) |
Intro Offer: $200
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Regular APR: 18.74% - 28.74% (Variable)
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
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Cash back beginners |
2% cash back on eligible purchases |
Intro Offer: N/A
Regular APR: 18.74% - 34.49% Variable APR as of October 1, 2024
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3.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Synchrony's secure site
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Online shopping |
3% cash back at U.S. supermarkets, gas stations and online retail purchases (up to $6,000 per calendar year in each category, then 1%) |
Intro Offer: Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Regular APR: 18.74%-29.74% Variable
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4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Category variety |
5% cash back on rotating categories (on up to $1,500 in purchases each quarter, then 1% back, activation required) |
Intro Offer: Cashback Match
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Regular APR: 18.74% - 27.74% Variable APR
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Discover's secure site
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Flexibility |
3% cash back in one of six choice categories (category can be changed monthly) 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined 2% and 3% purchases each quarter, then 1%) 25% to 75% rewards rate boost for Preferred Rewards members |
Intro Offer: $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
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4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
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Balance transfers |
Up to 2% cash back on purchases (1% when you purchase and 1% when you pay) |
Intro Offer: $200 cash back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Regular APR: 18.74% - 28.74% (Variable)
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4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
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Simplicity |
1.5% cash back on purchases |
Intro Offer: $200
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Regular APR: 19.74% - 29.74% (Variable)
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3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Low APR |
1.5% cash back on purchases |
Intro Offer: Earn a $200 reward bonus
Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
Regular APR: 16.65% to 28.65% variable
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3.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on USAA's secure site
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Bank of America customers |
1.5% cash back on eligible purchases 1.87% to 2.62% cash back for Preferred Rewards members |
Intro Offer: $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
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3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
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Quarterly customizable categories |
Unlimited 3% and 2% cash back in two categories: dining, entertainment, gas, grocery stores and travel 1% cash back on all other purchases |
Intro Offer: $200 Cash Back
Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
Regular APR: 19.74%, 24.74% or 29.74% variable APR based on your creditworthiness.
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TD Bank customers |
2% cash back on all eligible purchases |
Intro Offer: $150 Cash Back
Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
Regular APR: 19.74%, 24.74% or 29.74% variable APR based on your creditworthiness.
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Personal loan alternative |
2.2% cash back on purchases upon card payment |
Intro Offer: $200
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Regular APR: 14.99% - 29.99%
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4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Upgrade's secure site
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