Cash back credit cards pay you back on every eligible purchase you make. However, to pocket the most from your day-to-day purchases, you need to pick cash back benefits that fit your unique shopping habits. Some cash back credit cards pay more on groceries, utilities and fuel, while others tip the scales toward dining, entertainment and travel. The best pick for you depends on your overall spending.
Knowing where your dollars go is key, but the payback perk isn’t the only benefit of cash back credit cards. Many also offer sign-up bonuses and 0% intro APR periods for purchases or balance transfers. Some cash back credit cards even offer payment flexibility plans, free access to credit scores and other consumer-friendly benefits.
Our Bankrate experts did the point-by-point comparisons for you in our cash back credit card reviews. You’ll find our experts’ top cash back credit card picks for 2021 based on overall value, program simplicity, fees and APR. You can also easily compare 0% intro and regular APRs for each card, plus explore sign-up bonuses, annual fees and other key features. You can even find expert recommendations on the best cash back credit cards for all types of spending.
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.
WELCOME OFFER:Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Featured card comparisons
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.