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A cash back credit card is a type of rewards card. You can think of cash back as a deferred discount or rebate—for every eligible purchase, you're later given a percentage back. Depending on the card, you might earn the same percentage of cash back on all purchases, or you might earn a higher rate on certain kinds of purchases, like dining or gas. Check out the best cash back credit card offers from our partners below.
Best Cash Back Cards - Cash in with May 2022's Top Offers:
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.
See if you're pre‐approved for this card with
CardMatch™
Rewards rate
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Intro offer
$300
Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual fee
$0 introductory annual fee for the first year, then $95.
Regular APR
14.74% - 24.74% Variable
Recommended credit
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.
With generous rewards rates in family-friendly categories including purchases at U.S. supermarkets and U.S. gas stations, on-the-go families will have a hard time finding a more rewarding credit card.
There’s a $0 intro annual fee for the first year ($95 after).
You don’t have to keep track of rotating spending categories or enrollment deadlines.
Cons
There’s an annual fee after the first year of $95.
You won’t earn the extra rewards for grocery shopping at major superstores and wholesale clubs, as those don’t count as U.S. supermarkets.
Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
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.
Rewards rate
2%
Earn unlimited 2% cash rewards on purchases
Intro offer
$200 cash rewards
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Annual fee
$0
Regular APR
15.74%, 20.74%, or 25.74% Variable APR
Recommended credit
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.
If you’re not interested in keeping up with bonus categories or spending caps, the Wells Fargo Active Cash Card offers a simple solution: unlimited 2 percent cash rewards on purchases. If you’re looking for a flat-rate cash rewards card that will be valuable no matter how your budget changes, it’s hard to do better than that.
Has great short-and long-term value with cash rewards rate and intro APR offer.
There are no limits on the cash rewards you can earn and rewards never expire as long as the account is in good standing.
Cons
The intro balance transfer fee will jump from 3 percent to up to 5 percent after the first 120 days from account opening (min: $5).
The 3 percent foreign transaction fee could eat into cash rewards if you use this card abroad.
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No categories to track or remember and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
Select "Apply Now" to learn more about the product features, terms and conditions
additional features
Purchase intro APR
0% intro APR for 15 months from account opening
Balance transfer intro APR
0% intro APR for 15 months from account opening on qualifying balance transfers
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.
Rewards rate
5%
5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
5%
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
2%
2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
1%
1% cash back on all other eligible purchases.
Intro offer
$200 bonus
New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of
account opening.
Annual fee
$0
Regular APR
14.74% - 24.74% (Variable)
Recommended credit
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.
The U.S. Bank Cash+® Visa Signature® Card is packed full of bonus rewards categories. It will take more than a little effort to track them all, but people who don’t mind strategizing to earn high rewards for all their purchases will enjoy having this card in their collection.
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.
Rewards rate
8%
Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.
Intro offer
$200
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual fee
$0
Regular APR
15.24% - 25.24% (Variable)
Recommended credit
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.
For food, fun and cash back, the Capital One SavorOne Cash Rewards Credit Card brings a lot to the table. You’ll earn a good cash back rate whether you’re out on the town or cooking at home. The sign-up bonus is competitive, too, offering a nice chunk of change for a relatively small spending requirement.
Your rewards will never expire for the life of the account.
There are no spending caps assessed to your cash back earnings.
Cons
Beware of redeeming cash rewards on Amazon.com, as there is a list of restricted items you can’t use rewards on.
You cannot redeem your rewards for merchandise or airline travel.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
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.
Rewards rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro offer
N/A
Annual fee
$0
Regular APR
14.74% - 24.74% (Variable)
Recommended credit
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.
If you make your payments on time each month, it’ll be tough to find a better cash back card than the Citi Double Cash Card. With healthy financial habits, this card effectively becomes a 2 percent flat-rate cash back card (1 percent when you make purchases and another 1 percent when you pay your bill), a rare find in the cash back market.
You can convert your cash back earnings to Citi ThankYou points when paired with a card like the Citi Premier® Card, which can be redeemed for travel, gift cards and more.
There are no spending category restrictions or rotating categories.
Cons
Your rewards can expire with this card if you don’t use it for a year.
You must earn a minimum of $25 cash back to redeem.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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.
Rewards rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$200
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual fee
$0
Regular APR
15.24% - 25.24% (Variable)
Recommended credit
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.
The Capital One Quicksilver Cash Rewards Credit Card is a good choice for earning cash back with no strategy required and no annual fee. The flat, unlimited cash back rate makes it handy for everyday use.
There’s a 0 percent intro APR on purchases and balance transfers for the first 15 months of card membership (15.24 percent to 25.24 percent variable after).
There are multiple redemption options for rewards, including statement credit, gift cards, and more.
Cons
There are other cards on the market that offer a higher unlimited cash back rate.
Following the introductory APR period, you might find the 15.24 percent to 25.24 percent variable APR to be a bit on the high side.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
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.
Rewards rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
$200
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual fee
$0
Regular APR
14.74% - 24.74% (Variable)
Recommended credit
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.
With the Citi Custom Cash Card, you don't have to adjust your bonus cash back category—the category adjusts to your spending. Whichever of the 10 eligible categories where you spend the most automatically becomes your bonus category.
You won’t have to worry about creating spending strategies to maximize rewards.
There’s an intro APR offer on both purchases and balance transfers, saving you a bit on interest.
Cons
There is a spending cap on your top cash back rewards spending category (up to $500 each billing cycle, 1 percent cash back thereafter).
You only earn the elevated cash back rate in one eligible category per month.
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.
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.
Rewards rate
5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Intro offer
Cashback Match™
Intro Offer: Unlimited Cashback Match - 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.
Annual fee
$0
Regular APR
12.24% - 23.24% Variable
Recommended credit
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.
The Discover it Cash Back is a popular choice for cash back rewards because of the rotating bonus categories. It's an exciting way to earn cash back quarter by quarter and all year-round without committing to a set rewards category.
Discover will match the cash back you earn at the end of the first year.
There are a few cash back redemption options, including credit to your account and donations.
Cons
You must enroll to take advantage of the bonus categories each quarter.
There is a spending limit on your highest cash back category each quarter ($1,500 in combined purchases per quarter).
Intro Offer: Unlimited Cashback Match - 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.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back in any amount, any time. Rewards never expire.
New Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click "Apply Now" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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.
Rewards rate
5%
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
3%
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1.5%
1.5% on all other purchases
Intro offer
Earn an Additional 1.5% Cash Back
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Annual fee
$0
Regular APR
15.24% - 23.99% Variable
Recommended credit
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.
The Chase Freedom Unlimited can be a lucrative cash back asset, especially for people who spend a considerable amount on travel and make good use of the Chase Ultimate Rewards portal. The sign-up bonus for this card is also one of the most attainable on the market, making grabbing extra bonus earnings a breeze.
The sign-up bonus for this card is fairly easy to attain. Earn an additional 1.5 percent cash back on everything you buy (on up to $20,000 spent in the first year)
The card offers an intro APR on new purchases, making financing a splurge a bit easier to manage.
Cons
You must book through the Ultimate Rewards portal to earn 5 percent back on travel.
Your point value decreases if you redeem them for Amazon.com purchases.
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
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.
Rewards rate
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
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
Annual fee
$0
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Recommended credit
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.
For generous cash back earnings, the Bank of America Customized Cash Rewards credit card can help you turn selection into satisfaction. It’s not the only card to offer bonus categories that change, but the ability to choose and change your highest bonus category as often as once a month is a nice feature.
You have the autonomy to choose which category you spend the most in and want to earn the most in.
If you choose the online shopping category for bonus rewards, both web and app purchases count.
Cons
There are spending caps on your highest spending categories ($2,500 in combined purchases per quarter, then 1 percent).
The sign-up bonus spending requirement is twice as much as its rivals in the cash back credit card category.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
No annual fee and no expiration on 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, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
additional features
Purchase intro APR
0% for 15 billing cycles
Balance transfer intro APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
The information about the Amazon Prime Rewards Visa Signature Card, Costco Anywhere Visa® Card by Citi and Alliant Cashback Visa® Signature Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Compare Bankrate’s top cash back credit cards
Card name
Best for
Cash back highlights
Bankrate review score
Blue Cash Preferred Card from American Express
Groceries
6% at U.S supermarkets (up to $6,000 per year, 1% after)
5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Unlimited 1% cash back on all other purchases.
Blue Cash Preferred Card from American Express: Best for groceries
What we love about the Blue Cash Preferred Card: Few cash back cards offer rates as high as 6 percent, much less in a rewards category as valuable as U.S. supermarkets (6 percent on up to $6,000 in purchases at U.S. supermarkets per year, then 1 percent).
Who this card is good for: People with a moderate-to-large grocery budget who don’t mind the card’s easy-to-cover annual fee.
Alternatives: If you do most of your grocery shopping at wholesale clubs like Sam’s Club and Costco, you may struggle to find value with the Blue Cash Preferred because those stores aren’t considered U.S. supermarkets by American Express. A strong alternative is the Bank of America Customized Cash Rewards Card, which earns bonus cash back in a category of your choice, with wholesale clubs as just one option.
Wells Fargo Active Cash Card: Best for 2% cash rewards with an intro APR
What we love about the Wells Fargo Active Cash Card: Aside from the stellar rewards rate, there’s another standout feature—cell phone protection. You’ll receive up to $600 of protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cellphone bill with your card.
Who this card is good for: Simplicity seekers and those planning to make a large purchase. Thanks to the card’s intro APR offer, you can earn consistent cash rewards and minimize interest charges on new purchases.
Alternatives: The Active Cash card’s 2 percent cash rewards rate may be limiting if you spend reliably in certain categories that might earn cash back at a higher rate on a different card. If you’re looking for a higher rate in a variety of categories, the Discover it Cash Back Card earns up to 5 percent cash back in different bonus categories that rotate each quarter (upon enrollment, on to $1,500 in purchases, then 1 percent).
U.S. Bank Cash+ Visa Signature Card: Best for customizable rewards
What we love about the US Bank Cash+ card: It’s a rare treat to find a card that lets you choose which categories will earn bonus cash back. Along with its fixed travel rewards category, the Cash+ card lets users pick two categories that will earn 5 percent cash back each quarter (up to $2,000 in combined purchases per quarter, then 1 percent) and one everyday category that will earn 2 percent cash back.
Who this card is good for: People eager to maximize cashback earnings with a multi-card strategy. This card’s flexibility and high earning potential make it a particularly great option for people who don’t mind juggling multiple credit cards to get as much value out of them as possible.
Alternatives: If you don’t like strategizing and tracking rewards categories, a flat-rate card like the Wells Fargo Active Cash Card may be a better fit. You’ll earn 2 percent cash rewards on your purchases, without needing to track spending or enroll in bonus categories.
Capital One SavorOne Cash Rewards Credit Card: Best for restaurants
What we love about the SavorOne Cash Rewards Card: Its entertainment category includes a variety of eligible purchases, such as tickets to concerts, movies, sporting events, theme parks and tourist attractions—purchases that would earn just 1 percent back with most other cash back cards.
Who this card is good for: Frequent restaurant-goers, social butterflies and the at-home foodie with a large grocery budget.
Alternatives: While the SavorOne Cash Rewards Card earns generously at grocery stores, there are cards that earn more on these purchases. Plus, the card’s 3 percent back on dining is outpaced by the Citi Custom Cash card’s 5 percent back in your top eligible spend category, including restaurants (on up to $500 in spending each billing cycle, then 1 percent).
Citi Double Cash Card: Best for up to 2% cash back
What we love about the Citi Double Cash Card: The rewards structure incentivizes you to stay on top of your payments. You’ll only earn the full 2 percent cash back on your purchases once you’ve paid them off—1 percent back when you buy, 1 percent when you pay off purchases.
Who this card is good for: Hands-off rewards earners. Cardholders get a straightforward cash back card for no annual fee without having to track tiered categories or worry about quarterly enrollment.
Alternatives: If you want a sign-up bonus on your next card you might consider other options, like the Wells Fargo Active Cash Card, which earns the same flat rate on purchases and comes with a $200 cash rewards sign-up bonus for spending $1,000 on purchases in the first 3 months of holding the card.
Capital One Quicksilver Cash Rewards Credit Card: Best for 1.5% cash back
What we love about the Quicksilver Cash Rewards Card: For a no annual fee card, the Quicksilver offers quite a few protections, including travel accident insurance, 24-hour travel assistance services and extended warranty protection.
Who this card is good for: Cash back beginners. With a flat rate and no annual fee, this card is a solid low-maintenance option for someone just getting started earning cash back rewards.
Alternatives: Since this card earns at a flat rate, you can’t earn more than 1.5 percent back even in your biggest spending categories. Cardholders who spend heavily on purchases like groceries and gas stand to earn more cash back with a card that has a higher rewards rate in those categories. The Bank of America Customized Cash Rewards Card is a worthy alternative, as it retains a generous cash back rate in multiple categories and gives cardholders the option to change their highest cash back category once per calendar month.
Citi Custom Cash Card: Best for automatic bonus category
What we love about the Citi Custom Cash Card: There are 10 eligible bonus categories to choose from and many of them conveniently fit into a cash back or rewards strategy.
Who this card is good for: Someone looking for a high rate of cash back who doesn’t want to remember to activate bonus categories.
Alternatives: You’ll only earn 5 percent back on the first $500 you spend in a single category each billing cycle (after that, 1 percent), so you may stunt your monthly cash back if you exclusively use the Citi Custom Cash. Consider supplementing this card with a tiered cash back card that earns at a consistent rate in your biggest spending categories. For example, the Capital One SavorOne earns 3% back on dining, eligible streaming services, grocery stores and entertainment, with no limit to how much cash back you can earn.
Discover it Cash Back: Best for rotating cash back categories
What we love about the Discover it Cash Back Card: This card offers 5 percent cash back on up to $1,500 spent in categories that rotate each quarter, then 1 percent (activation required). This can be especially rewarding for cardholders who can flex their spending to align with the boosted categories each quarter.
Who this card is good for: People who can adjust their spending to maximize cash back earnings across various categories and aren’t troubled by keeping up with Discover’s 2022 cash back calendar.
Alternatives: If you value simplicity or your spending stays consistent throughout the year, you may prefer a card that doesn’t require you to enroll in new bonus categories each quarter. Opting for a flat-rate cash rewards card like the Citi Double Cash or Wells Fargo Active Cash can make it easier to consistently earn more cash back.
What we love about the Chase Freedom Unlimited: Rewards can be redeemed for both cash back and travel through Chase Ultimate Rewards at a value of 1 cent per point. If you’re interested in travel rewards but not yet sold, this is a great way to ensure you can always redeem your rewards in a way that’s valuable to you.
Who this card is good for: Frequent domestic travelers seeking flexible rewards. The card touts a generous 5 percent cash back on travel purchases made through the Chase Ultimate Rewards portal.
Alternatives: A 5 percent cash back rate on travel purchases is generous, but if you don’t travel frequently you may find a flat-rate card more suitable to your spending habits. Additionally, international travelers may want to opt for a card that doesn’t have foreign transaction fees.
Bank of America Customized Cash Rewards credit card: Best for choice of cash back category
What we love about the Customized Cash Rewards Card: The ability to pick from six bonus categories is pretty great. Even better is the fact that you can change your pick once per calendar month to match your spending habits.
Who this card is good for: People looking for flexibility. If you want the freedom to choose and change your bonus rewards category, this card is a great option.
Alternatives: This card’s cash back limits may hold you back. Heavy spenders may earn more with a card that offers an unlimited flat rate on all purchases, such as the Citi Double Cash Card—no matter how much you charge to the card, you can earn up to 2 percent back (1 percent when you buy and another 1 percent when you pay off purchases).
Blue Cash Everyday Card from American Express: Best for gas
What we love about the Blue Cash Everyday: While cash back at U.S. supermarkets and U.S. gas stations is a common pairing, 2 percent cash back at select U.S. department stores is both rare and useful, making the card a versatile choice for household shoppers.
Who this card is good for: People with a moderate to high grocery budget and who commute frequently. Cardholders who shop at department stores may also benefit from the card’s unique rewards program.
Alternatives: If you shop frequently at wholesale clubs like Costco and Sam’s Club, you may not benefit from the Blue Cash Everyday Card’s boosted cash back rate at U.S. supermarkets. A more suitable option for cash back at wholesale clubs may be a 2 percent flat-rate cash back card or the Bank of America Customized Cash Rewards card, which can earn 3 percent back in an eligible category of your choice and 2 percent back at wholesale clubs (up to $2,500 in combined purchases each quarter in the 3 percent and 2 percent categories).
Amazon Prime Rewards Visa Signature Card: Best for online shopping
What we love about the Amazon Prime Rewards Visa: Retail cards aren’t known for their sign-up bonuses or perks, but new Amazon Prime Rewards cardholders receive a $150 Amazon gift card upon approval, with no minimum spending requirement. Your purchases are also covered by an extended warranty and purchase protection.
Who this card is good for: Whole Foods shoppers and Amazon Prime members. Earning 5 percent back for both online purchases and groceries is a rare offer, making the card ideal for Amazon customers who are looking for new ways to save.
Alternatives: Cardholders who don’t spend frequently on Amazon or shop at Whole Foods—or who want more flexibility to earn rewards at other grocery stores and online retailers—may find more value in a flat-rate cash rewards card like the Wells Fargo Active Cash card or the Citi Double Cash.
Alliant Cashback Visa Signature Credit Card: Best for 2.5% cash back
What we love about the Alliant Cashback Visa: This card offers a cash back rate that’s almost unheard of: 2.5 percent back on all purchases (on up to $10,000 in qualifying purchases per billing cycle, then 1.5 percent).
Who this card is good for: Big spenders with Alliant Credit Union accounts. To maintain your 2.5 percent cash back rate, you need to keep an average daily balance of $1,000 in your Alliant High-Rate Checking account every month of the preceding calendar quarter.
Alternatives: A flat 2.5 percent cash back on all purchases (up to $10,000 per billing cycle, then 1.5 percent) is a great offer, but cardholders must be a member of the Alliant Credit Union. If you don’t want the headache of switching banks and maintaining an account balance, a no annual fee flat-rate card like the Wells Fargo Active Cash can be a great alternative despite earning at a lower rate of 2 percent cash rewards back.
Capital One QuicksilverOne Cash Rewards Credit Card: Best for fair credit
What we love about the QuicksilverOne Cash Rewards Card: You’ll automatically be considered for a higher credit line in as little as six months with on-time payments, which can help you keep your credit utilization in check.
Who this card is good for: Credit-builders who want to earn cash back.
Alternatives: Although 1.5 percent cash back is a decent rate, it may not be worth the card’s annual fee based on your spending habits. If you want to avoid both an annual fee and a security deposit, consider a no annual fee unsecured credit-building card like the Petal® 1 “No Annual Fee” Visa® Credit Card or the Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
Discover it Secured Credit Card: Best for bad credit
What we love about the Discover it Secured Card: Welcome bonuses are rare among credit cards for bad credit, but the Discover it Secured stands out for automatically matching all the cash back you’ve earned at the end of your first year.
Who this card is good for: People with bad or no credit who want to earn rewards while they work on their score.
Alternatives: If you have poor credit, options for cash back are limited, especially if you’re not willing to put up an annual fee or security deposit. If you’d rather avoid a security deposit, however, consider an unsecured credit-building card like the Petal 1 card.
Petal 2 “Cash Back, No Fees” Visa Credit Card: Best for no credit history
What we love about the Petal 2: Unsecured credit-building cards often disappoint with their high fees and lackluster benefits. Not so with the Petal 2. You can earn cash back and build your credit without worrying about annual fees, foreign transaction fees, late fees or returned payment fees.
Who this card is good for: People with no credit history who want to earn cash back and avoid fees. You don’t need a credit score to qualify for this card, and you can still earn up to a respectable 1.5 percent cash back (after making your first 12 monthly payments on time).
Alternatives: Cardholders looking for additional perks and benefits beyond the card’s up to 1.5 percent cash back may want to consider other options. The Discover it Secured Card is a great alternative since it earns a higher rate of cash back in select categories. However, as it is a secured card, you’ll need to deposit at least $200 to get started.
Cash back credit cards reward you for eligible purchases by giving you a percentage of your purchase price back as cash. For example, a 3 percent cash back rate means you earn 3 cents back for every dollar in eligible spending. For a cardholder with a $4,000 annual grocery bill, earning 3 percent at the supermarket could mean up to $120 in cash back rewards. Cash back is essentially a discount on eligible purchases—you may not see the discount at checkout, but the payoff comes when you redeem your rewards.
Bankrate Insight
According to a Bankrate survey, more than half (59 percent) of U.S. adults carry at least one rewards credit card.
Types of cash back credit card rewards
Cash back cards come in a variety of forms. The best cash back card type for you depends on your spending habits and lifestyle. Before you apply, you should know all of the options available to you.
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.Top examples include:
Wells Fargo Active Cash Card (earns cash rewards)
Citi Double Cash Card
Capital One Quicksilver Cash Rewards Credit Card
If you prefer tiered category cards over flat rate cards, make sure you’re covered for all of the categories you spend within. If you aren’t, a 2 percent flat rate card could fill gaps in your rewards strategy.
Tiered cash back cards offer different rates of cash back for different types of purchases. For example, a tiered card may offer a boosted cash back rate of 3 percent on restaurant purchases, while all other purchases are rewarded with 1 percent cash back. The best way to maximize your cash back earnings is to have multiple tiered cards that reward your most common purchases at a high rate.Top examples include:
Blue Cash Everyday Card from American Express
Capital One SavorOne Cash Rewards Credit Card
Some credit cards offer bonus categories that change based on your preferences, your spending habits or the time of year. This can be an advantageous structure for those who don’t want to commit to specific bonus categories. Here are a few of the most common dynamic bonus category structures.
Rotating bonus categories: With rotating categories, you’ll often get higher rewards rates, but these cards typically require enrollment each quarter to qualify. Unlike flat-rate cards, rotating bonus categories tend to set spending limits on how much you can earn in high rewards categories per quarter.
Choose your own category: Some cards let you choose your cash back category on a monthly basis. With the option to change the monthly category, you can optimize your spending based on the category and plan out your year based on the cash back potential. For example, for the holiday months, you can opt into a category that will reward online purchases or department store purchases.
Auto-optimizing bonus categories: This setup is a lot like the “choose your own category” structure. However, instead of having to determine which bonus category is going to benefit you the most, these cards will do the work for you. Usually, the card will retroactively apply the bonus rate to purchases within your top eligible category each month.
Top examples include:
Discover it Cash Back
Chase Freedom Flex
Bank of America Customized Cash Rewards Card
Some cash back credit cards require a membership. These cards can often be quite lucrative. Co-branded cash back credit cards generally let you earn rewards and extra perks at specific stores or service providers. They often skip the annual fee, given you’ll need to pay for annual membership to enjoy the card’s benefits. Some credit unions also offer cash back card options to their members. Since credit unions are controlled and financed by members themselves, these members will often reap the benefits of more favorable interest rates and fewer banking and penalty fees that their not-for-profit institution provides. Membership requirements vary by credit union.Top examples include:
Cash back credit cards are among the most popular types of cards. A recent Bankrate survey found that 41 percent of U.S. adults picked cash back as their favorite category, three times more popular than the next favored type.
Pros and cons of using cash back credit cards
Plenty of people use cash back cards to bank hundreds of dollars per year without changing their spending habits. Here are some advantages and disadvantages of carrying a cash back card.
Pros
Earn rewards: If you pick a card that fits your spending habits, you can earn some extra cash every month just by using your credit card.
Build credit: Used responsibly, a cash back credit card can help you improve your credit score by adding to your credit history.
Many have no annual fee: Plenty of the best cash back credit cards feature no annual fee. As long as you pay your bill in full, you won’t have to worry about whether you’re coming out ahead, no matter how you spend with the card
Sign-up bonuses: A sign-up bonus or welcome offer is an incentive offered to new cardholders who spend a certain amount within the first few months of opening the account. Cash back credit cards often offer bonuses worth a few hundred dollars.
Cons
Sometimes less valuable than travel rewards: With cash back cards, you usually can’t score a particularly lucrative deal with your redemption, as you might when trading in travel rewards points for a flight.
Higher APRs: Rewards cards typically come with higher interest rates, so it almost always makes sense to choose a low-interest credit card instead of a cash back card if you carry a balance from month to month.
Value-limiting restrictions: As with any credit card, make sure to read the fine print. Some cards require you to periodically activate or enroll in your cash back category to earn cash back.
Bankrate insight
Everyone should have a 2 percent cash back card, according to industry analyst and credit card expert Ted Rossman. They’re universally appealing and often come with no annual fee. Learn more on why you should have a 2 percent cash back card.
Who should get a cash back credit card?
No matter your spending habits, it’s not hard to see the appeal of cash back. Just about anyone can benefit from getting a small portion of their purchases back. And unlike travel points or miles, you’re free to use cash back however you please.
For suggestions based on your spending habits, try Bankrate’s Spender Type Tool. Select the spender type that you most closely identify with and you’ll get card recommendations that may suit your spending habits.
If you’re funding a family of five, a sizable grocery bill is probably a given. Groceries are one of the most commonly rewarded purchases among cash back cards. The cash back you earn over the course of a year using your card at the supermarket could amount to a free week or two of groceries.Our pick for you: Blue Cash Preferred Card from American Express
Even people who prefer the utmost simplicity — we’re talking longtime debit users — can find lots to love in a cash back card. A flat-rate, no annual fee cash back card is a great choice for someone who wants to earn rewards without much thought. Some cards even let you set up automatic bill payments and rewards redemptions for the ultimate “set and forget” rewards strategy.Our pick for you: Citi Double Cash Card
The best time to build credit is before you really need it. That’s why it makes sense to use a credit card throughout your college years. Then, by the time you graduate and need a home or auto loan, you’ve spent years building an excellent credit score and earning cash rewards.Our pick for you: Capital One QuicksilverOne Cash Rewards Credit Card
If you’re a money-saving pro, a cash back card can help your cause. Think of cash back as a tiny discount on every eligible purchase. Even if you only spent a modest $300 per month on a 2 percent cash back credit card, you’d earn $72 per year in cash back. It isn’t a staggering sum, but it could cover a fill-up or two at the gas station.Our pick for you: Blue Cash Everyday Card from American Express
If you’re really in it to maximize your cash back earnings, holding a combination of flat-rate and tiered cards is the way to go. Ideally, you would have a credit card that rewards you at a high rate for your largest and most frequent purchases, as well as a good flat-rate card for everything else.Our pick for you: Whichever card matches your spending habits, whether that’s a card that rewards dining at restaurants, shopping for groceries, or something else.
When you shouldn’t get a cash back card
Whether or not you should get a cash back credit card is going to depend on your personal situation and needs. Here’s when a cash back card isn’t the best idea:
You’re a frequent flyer: If you travel often, a type of rewards credit card structured specifically to earn points and miles on travel purchases is a better addition to your wallet.
You’re in debt: If you’re trying to pay down credit card debt, then a cash back card will likely entice you into more spending. Work on paying off your consumer debt before getting a cash back rewards credit card.
You have bad credit: Instead of trying to earn rewards on your spending, focus on building your credit with timely payments with a secured credit card.
Bankrate insight
Our in-house expert Ana Staples obtained more than $3,000 in value from her credit cards in 2021. Learn more about her success and how you can maximize credit card value.
How to choose the best cash back credit card
Picking a cash back credit card out of the abundance of options available on the market sounds like an easy choice: just choose the one with the highest rewards rate, right? There is much more to it than that. When comparing cards ask yourself the following questions to determine if the cash back card you’re eyeing is right for you:
This should be your starting point when comparing cash back cards. Knowing the rate that you’ll earn for your spending helps maximize your cash back rewards. Just be sure that the rewards rate is aligned to a category you spend often in.
Many cash back cards don’t have annual fees at all. When they do, that annual fee is usually balanced by higher rewards rates and other valuable perks. A cash back card with an annual fee may be worth it if you’re sure you can recoup the cost of the annual fee with the card’s rewards.
The main types of cash back rewards cards—flat-rate, dynamic bonus categories and tiered—all have different benefits. If you’re new to the world of cash back, the simplicity of a flat-rate card may appeal to you. If you’re looking to earn more for certain categories within your budget go for a card with bonus categories. Knowing what you’re looking for in a cash back card will help you pick between flat rate and dynamic bonus cards.
Most cash back cards require at least good credit. If your credit score is below that, you may have a harder time being approved for the type of cash back card you want. Some credit cards for people with bad credit or no credit do have cash back rewards, but they usually have lower rewards rates.
Bankrate insight
Shopping protections like extended warranty and purchase protection are common cash back credit card perks that could save you a lot of money. For example, the Chase Freedom Flex covers damage or theft of items purchased with the card for up to 120 days with a maximum of $500 per claim and $50,000 per account.
What to know before getting a cash back credit card
When it comes to cash back cards, the details make all the difference. A cash back card’s restrictions and conditions will impact its ability to help you earn cash back rewards if you don’t take the time to understand them. Be on the lookout for certain things when considering a cash back card:
Different cash back programs, different rules. Each cash back program will vary in how you can redeem rewards. Some cards only allow cardholders to redeem rewards once they’ve reached a certain minimum. For example, the Alliant Cashback Visa Signature offers cardholders a solid 2.5 percent cash back rate, but the redemption minimum is $50. On the other hand, there are cash back cards that allow for redemption of any amount, which might make more sense for some cardholders.
Rewards categories. Be sure you’re accounting for your lifestyle when deciding between cash back cards. A card that earns a 2 percent flat rate might seem like a great deal, and it can be, but if you spend more on dining out it might be best to focus on a card that offers 5 percent back on dining and 1 percent cash back on everything else.
Understand the fees. Many cash back cards come with annual fees. These cards typically offer higher cash back rates, but you need to crunch the numbers to make sure you can recoup the annual fee with cash back rewards. A card that earns 6 percent back at supermarkets, but charges an annual fee of $95 might cost you more in the long run than a card that earns 3 percent back, but charges no annual fee.
Cash back alternatives. Depending on your spending patterns, a cash back card may not always offer the best value. Frequent travelers for example, will be better served by a travel rewards card. There are some cash back cards—like the Chase Freedom Unlimited—that offer travel redemption on cash back rewards, but not all cash back cards come with this perk.
7 ways to maximize cash back
Pay your balances in full each month. Otherwise, you’ll simply lose the cash back you’ve earned (and then some) to interest. Note: Paying monthly balances on time and in full is a best practice, no matter what type of card you’re carrying.
Snag a sign-up bonus. Choose a cash back credit card that offers bonus rewards if you spend a certain amount of money within a specified time period. Just make sure the spending requirement is in-line with your current spending habits, or you’ll risk carrying a balance and losing rewards to interest.
Enroll/activate your bonus categories each quarter. Rotating category cards typically require you to enroll or activate (the language varies) the bonus cash back categories for the upcoming quarter to earn the higher bonus rate. If you don’t, you’ll earn the standard rate.
Target your spending. In order to get the most out of a bonus category, try to max out the spending limit for the quarter. For example, Discover’s 2022 bonus categories for January through March are gym memberships, fitness clubs and grocery stores. By maxing out all of the bonus 5 percent categories (capped at $1,500 in spending each quarter, then 1 percent, activation required), you’ll earn $75 in cash back for that quarter.
Consider combining cards. A combination of cards will probably serve you best. The key is to make sure your major spending categories are covered so that you’re always earning the maximum amount of rewards on purchases.
Explore the card’s online shopping portal. Some card issuers feature online shopping portals that offer cash back incentives, discounts or both. Examples include Chase Ultimate Rewards and Barclaycard RewardsBoost.
Don’t spend for the sake of earning. Keep from spending in excess to what you normally spend just because you’ll earn a small percentage of cash back.
Bankrate insight
Consider the Chase Freedom Flex, 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.
How we chose our best cash back cards
All credit cards from our partners are rated with a 5-star scoring system. To select the best cash back cards, we narrow our focus to concentrate on key features that make a big difference in this specific category, such as:
Cash back rates
While a rate of 1 percent cash back on all eligible purchases is useful, the cards that truly stand out tend to earn higher percentages. To estimate how much an average consumer might earn with particular cards, we used spending data from the Bureau of Labor Statistics.
Special categories
Many of our top-rated cards feature higher rates for certain purchase categories, which makes it easier to find the most lucrative card for your spending habits and lifestyle.
Low fees and cost of ownership
The whole point of cash back cards is to earn rather than owe, so cards that go easy on annual fees and similar charges get high marks.
Variable APR
We recommend against carrying a credit card balance if at all possible — but if you have to, a reasonable and affordable interest rate can make it less financially taxing.
Additional reviews and research
If you’re on the fence about cash back cards, consider how your annual spending compares to consumer averages. According to the Bureau of Labor Statistics, Americans spent an average of $4,942 on food at home in 2020. If you used a cash back card that carried a 3 percent cash back rate at grocery stores to cover these expenses, you’d earn $148.26 in cash back.
Earning nearly $150 in cash back just for purchases at supermarkets is a pretty generous offer. However, if you aren’t convinced, compare that to the cash back potential of a 2 percent flat rate card. On average, consumers spent a combined total of $19,489 on food at home, food away from home, transportation and household furnishings in 2020. With a 2 percent cash back card, this would amount to $389.78 of cash back earnings.
While cash back cards might not be worth the trouble for everyone, responsible card use and smart spending habits can make them a great addition to your wallet. Find out more about cash back credit cards with these resources from Bankrate:
Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.
Frequently asked questions about cash back credit cards
The Blue Cash Preferred earns the most cash back across several key spending categories. We used averages from the Bureau of Labor Statistics’ most recent Consumer Expenditures Report and found that the card earns on average, $400 a year in cash back. Here’s the math:
$4,942 at U.S. supermarkets* at 6 percent back ($4,942 x 0.06)
$1,568 at U.S. gas stations at 3 percent back ($1,568 x 0.03)
$6,840 on any remaining expenses at 1 percent ( $6,840 x 0.01)
$411.96 in cash back the first year
$316.96 after subtracting the annual fee ($95) every year after
*In order for the $4,942 spent on “food at home” to earn the 6 percent cash back rate, the purchases must be made at U.S. supermarkets. For specifics and exclusions, see American Express’s rewards category definitions.
You may not receive cold, hard cash, but issuers offer redemption options like a direct deposit into a checking account, mailed checks, statement credits or gift cards.
Many cards offer cash back rewards that never expire, as long as your account remains open and in good standing. However, not every issuer has this policy and it’s best to check the terms and conditions before you apply.
When deciding between a cash back card or a travel card, explore the kinds of benefits you would most like to reap, the main difference being earning travel-specific rewards or basic cash back rewards.
Mariah Ackary is a personal finance writer who specializes in small businesses and credit. Mariah is a lifelong writer, but joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to mackary@bankrate.com
Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina.
* 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.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
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Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.