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15 Best cash back credit cards for July 2024

Updated June 20, 2024

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Cash back credit cards earn a small percentage of your purchases back, redeemable in the form of statement credits, gift cards, direct deposits or more. Many of these cards earn cash back on eligible categories automatically, with some requiring quarterly activations to achieve the highest rate. The best cash back cards on the market offer high cash back rates and flexible reward categories, letting you earn anywhere from 1 percent to 6 percent cash back on common spending items, including travel, groceries, gas and more. Here are the best cash back cards on the market for 2024.

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Best for flat-rate rewards

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

$200 cash rewards

Rewards rate

Info

2%

Annual fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Why you’ll like this card: It offers one of the highest flat cash back rates out there, an excellent intro APR offer and an easy-to-earn bonus.

Best for online shopping

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn $200

Rewards rate

Info

1% - 3%

Annual fee

$0

APR

19.24% - 29.99% Variable

Why you’ll like this card: Its cash back rates in everyday spending categories are among the best available on a no-annual-fee card.

Best for rotating categories

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR

Why you’ll like this card: The rotating categories and Cashback Match bonus allow you to earn massive cash back on a huge variety of purchases.

Best for dining

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: You’ll get a great rewards rate at both restaurants and grocery stores, making it a great pick for foodies of all stripes.

Best for balance transfers

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Intro offer

Info

$200 cash back

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Why you’ll like this card: Its flat cash back rate makes it easy to maximize rewards on nearly any purchase.

Best for groceries

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn $250

Rewards rate

Info

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

19.24% - 29.99% Variable

Why you’ll like this card: It boasts one of the best cash back rates you can get at U.S. supermarkets, giving it more value than many no-annual-fee cards.

Best for drugstores and dining

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

Up to $300 cash back

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

20.49% - 29.24% Variable

Why you’ll like this card: It features practical bonus categories, earns valuable, flexible points and pairs well with premium travel cards.

Best for simplicity

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It’s a great starter card thanks to its streamlined rewards and easy-to-earn welcome bonus.
Only Available in 15 East Coast States and D.C.

Best for quarterly customizable categories

Bankrate score

Rating: 4 stars out of 5
4.0
Info
See Terms
Info
Apply now Lock
on TD Bank's secure site

Intro offer

Info

$150 Cash Back

Rewards rate

Info

Earn 1% Cash Back - Earn 5% Cash Back

Annual fee

None

Regular APR

20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.

Why you’ll like this card: It’s more flexible than the average cash back card since it lets you pick the two everyday bonus categories that fit you best.

Best for flexibility

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 3%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: You’ll get a top rewards rate in one category of your choice without sacrificing rewards on everyday spending.

Best for Bank of America customers

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Bank of America's secure site

Intro offer

Info

$200

Rewards rate

Info

1.5%

Annual fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Why you’ll like this card: Thanks to Bank of America’s Preferred Rewards program, this card can offer perhaps the highest flat cash back rate on the market.

Best for stacking

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Why you’ll like this card: Its top-rate customizable bonus category makes it a uniquely versatile option, especially when you pair it with other Citi cards.
Only Available in 15 East Coast States and D.C.

Best for TD Bank customers

Bankrate score

Rating: 4 stars out of 5
4.0
Info
See Terms
Info
Apply now Lock
on TD Bank's secure site

Intro offer

Info

$150 Cash Back

Rewards rate

Info

2% Cash Back

Annual fee

None

Regular APR

20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.

Why you’ll like this card: You’ll unlock both a solid flat rewards rate and a chance to chip away at debt with an intro APR.