Explore the top best cash back credit cards to maximize rewards on everyday purchases, featuring great rates and bonus offers.
Table of Contents
Introduction
Credit cards with cash-back features have become a well-liked option for people who want to profit from their regular purchases. With so many cashback credit card options available, we have put together a list of the top 9 credit cards to assist you in making your decision. To obtain all the knowledge you require regarding the top cash-back credit cards, let’s dive into the world of finance.
Bank of America® Unlimited Cash Rewards credit card
With the Bank of America® Customized Cash Earnings credit card, you may select the category that yields the greatest cash-back rate from a list that includes dining out, travel, home improvement, and gas stations, giving you a little more control over your credit card earnings. Together with a fantastic new-cardholder bonus offer, you also receive additional benefits at supermarkets and grocery stores.
Specifics:
- $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
- Earn Unlimited 1.5% cash back on all purchases
- Low Intro APR on purchases and qualifying balance transfers for 15 billing cycles
Wells Fargo Active Cash® Card
In addition to an amazing 2% rewards rate on everything you purchase, the Wells Fargo Active Cash® Card has no annual fees and a host of extra benefits not often found on cards of its kind.
Specifics:
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months
- from account opening on purchases and qualifying balance transfers.
- Earn a $200 cash rewards bonus when you spend price$500 in purchases in the first 3 months
Blue Cash Preferred® Card from American Express
For families who spend a lot on groceries, petrol, transportation, and streaming, the excellent rewards rates on the American Express Blue Cash Preferred® Card more than make up for the card’s hefty annual fee.
Specifics:
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
- $0 intro annual fee for the first year, then $95.
Capital One SavorOne Cash Rewards Credit Card
Although the cash-back percentage on dining and entertainment is not as high as it is on the standard Savor card, the incentives are still quite attractive. Although the sign-up incentive isn’t as large as it is on the version with an annual cost, it’s still a good deal (see rates & fees).
Specifics:
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, plus 1% on all other purchases.
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- 0% intro APR for 15 months on purchases and balance transfers; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Citi® Double Cash Card
The rewards program encourages you to make your payments on time. Only once your items have been paid off will you receive the full 2 percent cash back on them: 1 percent back at the time of purchase and another 1 percent back at the time of payment.
Specifics:
- Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.
- 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- $0 liability on unauthorized charges
Discover it® Cash Back
When you activate categories, you can earn 5% cash back on up to $1,500 in spending every quarter. Unlike with other cards, these categories include areas where a lot of people spend a lot of money. The Discover it® Cash Back works well as a backup card or an everyday card thanks to Discover’s exclusive bonus and $0 annual fee.
Specifics:
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate
- Earn 1% cash back on all other purchases.
- Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
Chase Freedom Unlimited
For every $1 spent on all purchases made with the Chase Freedom Unlimited® credit card, 1.5% cash back is awarded. Additionally, you receive 3% cash back on eating expenditures at restaurants, including takeout and qualified delivery services, and drugstores, in addition to 5% cash back on travel purchases made through Chase Ultimate Rewards®.
Specifics:
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- 0% intro APR for 15 months from account opening on purchases and balance transfers.
Capital One QuicksilverOne Cash Rewards Credit Card
For individuals looking for a simple cash-back credit card, the Capital One Quicksilver Cash Rewards Credit Card is a respectable choice. Other choices, meanwhile, provide you greater freedom in how you can use your rewards.
Specifics:
- Earn unlimited 1.5% cash back on every purchase, every day
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.
- You’re covered by $0 Fraud Liability if your card is ever lost or stolen.
U.S. Bank Cash+® Visa Signature® Card
The U.S. Bank Cash+® Visa Signature® Card is worth considering if you don’t mind working for your benefits. It may be the most customized cashback credit card out there. You get to choose which categories receive the highest cashback; there are two categories at 5% and one at 2%. You can make changes to these choices on a quarterly basis.
Specifics:
- Earn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.
- Enjoy a 0% into APR on purchases and balance transfers† for the first 15 billing cycles.
- Earn 5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Travel Center.
- Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals.
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Conclusion
Customers can take advantage of numerous options provided by cash back credit cards to optimize their expenditures. Through a thorough evaluation of your unique spending patterns, financial objectives, and lifestyle choices, you can locate a cash back credit card that is ideal for you.
When selecting a cash back credit card, don’t forget to consider annual fees, interest rates, and other potential hidden expenses. A carefully selected cash back credit card can be your fin
FAQ Of Best Cash Back Credit Cards
How much can I spend with U.S. Bank Cash Plus?
The normal range of credit limits for the U.S. Bank Cash+® Visa Signature® Card is $300 to $20,000 or higher.
How many credit cards are suitable to own?
It is generally advised that you maintain two to three credit card accounts at any given time. Recall that your credit scores can be impacted by both your debt-to-credit ratio and your overall amount of available credit.