If you’re looking to get rewarded for your everyday spending, cash-back credit cards are a great option. With these cards, you can earn a percentage of your purchases back in the form of cash rewards. Whether you’re buying groceries, filling up your gas tank, or dining out, cash-back credit cards can help you maximize your spending and put money back in your pocket.
In this article, we’ll explore some of the best cash-back credit cards available on the market. We’ll highlight the key features, earning rates, and benefits of each card to help you make an informed decision. So, let’s dive in and find the perfect cash-back credit card for you!
Best Cash-Back Credit Cards
1. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred Card from American Express is a top contender when it comes to cash-back credit cards. With this card, you can earn generous cash back on everyday purchases, making it ideal for families and individuals looking to maximize their rewards.
Key Features:
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- Enjoy 6% cash back on select U.S. streaming subscriptions.
- Get 3% cash back at U.S. gas stations and on transit.
- Earn 1% cash back on other purchases.
- Receive a $250 statement credit after spending $3,000 in purchases within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Additional benefits include Buy Now, Pay Later options and low introductory APR.
The Blue Cash Preferred Card is an excellent choice for those who spend a significant amount on groceries, streaming services, gas, and transit. The generous cash-back rates in these categories can quickly add up, allowing you to earn substantial rewards.
2. Wells Fargo Active Cash® Card
If you prefer a straightforward cash-back structure without any category restrictions, the Wells Fargo Active Cash Card is worth considering. This card offers unlimited 2% cash rewards on all purchases, making it an excellent choice for those who want a simple and hassle-free rewards program.
Key Features:
- Earn unlimited 2% cash rewards on purchases.
- No annual fee.
- Enjoy cell phone protection up to $600 against covered damage or theft when you pay your monthly cell phone bill with the card.
- Access to Visa Signature Concierge luxury hotel bookings.
The Wells Fargo Active Cash Card is perfect for individuals who want to earn a consistent cash-back rate on all their spending. With no annual fee and valuable additional benefits, this card offers excellent value for those looking for a straightforward rewards program.
3. Ink Business Unlimited® Credit Card
Small business owners can benefit greatly from the Ink Business Unlimited Credit Card. This card offers competitive cash-back rates on all purchases, making it an excellent choice for entrepreneurs looking to maximize their rewards.
Key Features:
- Earn unlimited 1.5% cash back on every purchase.
- No annual fee.
- Enjoy a generous $900 cash back bonus after spending $6,000 on purchases within the first three months.
- Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.
The Ink Business Unlimited Card is a versatile option for small business owners. With its solid cash-back rate and valuable sign-up bonus, this card can help you earn significant rewards on your business expenses.
4. Citi Custom Cash® Card
The Citi Custom Cash Card is a unique cash-back credit card that allows you to customize your rewards based on your spending habits. With its flexible earning structure, this card is perfect for individuals who have diverse spending patterns and want to maximize their rewards in different categories.
Key Features:
- Earn 5% cash back on your top eligible spend category each billing cycle, up to the first $500 spent, then 1% cash back.
- Enjoy unlimited 1% cash back on all other purchases.
- No annual fee.
- Earn a $200 cash back bonus after spending $1,500 on purchases within the first six months.
- Benefit from a 0% intro APR on balance transfers and purchases for 15 months.
The Citi Custom Cash Card offers great flexibility and allows you to earn high cash-back rates in categories that align with your spending habits. With no annual fee and a lucrative sign-up bonus, this card is a strong contender for those seeking personalized rewards.
5. Capital One Spark Cash Plus
For business owners who prefer a flat-rate cash-back structure, the Capital One Spark Cash Plus is an excellent choice. With this card, you can earn unlimited 2% cash back on all purchases, making it a straightforward and rewarding option for entrepreneurs.
Key Features:
- Earn unlimited 2% cash back on every purchase.
- No foreign transaction fees.
- Enjoy a one-time cash bonus of $1,200 after spending $30,000 within the first three months.
- Get your $150 annual fee refunded every year you spend at least $150,000.
- Access to Capital One Travel for booking hotels and rental cars at competitive prices.
The Capital One Spark Cash Plus is a reliable cash-back card for business owners who want a flat-rate earning structure. With its generous cash-back rate and valuable perks, this card is a solid choice for maximizing rewards on all business expenses.
6. Citi Double Cash® Card
The Citi Double Cash Card is a popular choice for individuals who want to earn cash back on every purchase without worrying about bonus categories. With its unique earning structure, this card allows you to earn cash back twice: 1% when you make a purchase and another 1% when you pay off your bill.
Key Features:
- Earn 2% cash back on every purchase (1% when you buy and 1% when you pay).
- No annual fee.
- Benefit from a 0% introductory APR on balance transfers and purchases for 18 months.
- Convert your cash back to Citi ThankYou points if you have an eligible linked card.
- Enjoy additional perks such as purchase protection and zero liability for unauthorized charges.
The Citi Double Cash Card offers simplicity and flexibility, making it an excellent choice for individuals who want to earn cash back on all their spending. With no annual fee and a generous introductory APR offer, this card provides value for everyday purchases.
7. Chase Freedom Unlimited®
The Chase Freedom Unlimited Card is a versatile cash-back credit card that offers competitive rewards rates and valuable redemption options. With its flexible earning structure and no annual fee, this card is a solid choice for individuals who want to earn cash back on all their purchases.
Key Features:
- Earn at least 1.5% cash back on every purchase.
- No annual fee.
- Enjoy a special offer: Unlimited matched cash back for the first year.
- Benefit from a 0% intro APR on purchases and balance transfers for 15 months.
- Redeem rewards for cash back, travel, gift cards, and more through Chase Ultimate Rewards®.
The Chase Freedom Unlimited Card is a reliable option for individuals who want to earn cash back on all their spending while enjoying valuable redemption options. With its flexible earning structure and generous introductory APR offer, this card provides excellent value.
8. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a straightforward cash-back card that offers a consistent earning rate on all purchases. With no annual fee and valuable perks, this card is a great option for individuals who want simplicity and flexibility in their rewards program.
Key Features:
- Earn unlimited 1.5% cash back on every purchase.
- No annual fee.
- Benefit from a one-time $200 cash bonus after spending $500 within the first three months.
- Enjoy a 0% intro APR on purchases for 15 months.
- Redeem rewards for cash back, gift cards, travel, and more.
The Capital One Quicksilver Cash Rewards Credit Card is an excellent choice for those who want a hassle-free cash-back card with a competitive earning rate. With its valuable sign-up bonus and introductory APR offer, this card provides a solid rewards program.
9. Capital One SavorOne Cash Rewards Credit Card
If you love dining out, going to concerts, and enjoying entertainment, the Capital One SavorOne Cash Rewards Credit Card is the perfect card for you. With its generous cash-back rates in these categories and no annual fee, this card offers excellent value for individuals who enjoy the finer things in life.
Key Features:
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores).
- Earn 1% cash back on all other purchases.
- No annual fee.
- Enjoy a one-time $200 cash bonus after spending $500 within the first three months.
- Benefit from a 0% intro APR on purchases for 15 months.
The Capital One SavorOne Cash Rewards Credit Card is an ideal choice for individuals who frequently dine out, attend concerts, and enjoy entertainment. With its generous cash-back rates and valuable sign-up bonus, this card provides excellent rewards for those who love the finer things in life.
10. Ink Business Cash® Credit Card
Small business owners looking for a cash-back credit card with bonus categories should consider the Ink Business Cash Credit Card. With its elevated rewards rates on office supplies, internet, cable, and phone services, this card can help you maximize your rewards on everyday business expenses.
Key Features:
- Earn 5% cash back on the first $25,000 spent per account anniversary year on office supply stores and internet, cable, and phone services.
- Earn 2% cash back on the first $25,000 spent per account anniversary year on gas stations and restaurants.
- Earn 1% cash back on all other purchases.
- No annual fee.
- Enjoy a generous cash back bonus after spending $6,000 within the first three months.
The Ink Business Cash Credit Card is an excellent option for small business owners who want to earn bonus cash back on office supplies, internet, cable, phone services, gas stations, and restaurants. With its valuable sign-up bonus and no annual fee, this card provides great rewards for business expenses.
Conclusion
Cash-back credit cards offer a convenient way to earn rewards on your everyday purchases. Whether you’re a frequent traveler, a small business owner, or an individual looking to maximize your spending, there’s a cash-back credit card that’s perfect for you. From generous earning rates to valuable sign-up bonuses, these cards provide excellent rewards and benefits.
Consider your spending habits, lifestyle, and preferences to choose the best cash-back credit card for you. Whether you opt for a card with bonus categories, flat-rate rewards, or customizable earning structures, you can enjoy the benefits of earning cash back on every purchase. So, start earning rewards today and make the most of your spending with a cash-back credit card!