Best Cash Back Credit Cards

Our favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash back you can use any way you want. Below we list the best cash back credit cards currently on the market, all offering at least 1% cash back, but usually more. There is no annual fee for any of the cards listed.

  • Citi Double Cash Card – Offers the chance to get 2% cash back on ALL of your purchases — you get a 1% cash rebate on all purchases, then a 1% rebate on the payments you make on those purchases, for a 2% total overall if you pay off your card each month. (Note that you don’t get any rebate on interest charges or late fees when you pay those off.). No annual fee.
  • PayPal Cashback Mastercard – Get 2% cash back on all purchases with this card. If there’s a catch here, it’s that your 2% in rebates gets deposited into your PayPal account, where you can either use it from that account or have it transferred to your bank account.
  • Signature Federal Credit Union Visa Signature – Offers 2% cash back on all of your card purchases. Also a super-low 8.7% interest rate. Must become a member of the credit union, but essentially anyone is eligible to join.

  • Wells Fargo Propel American Express Card – Get 3% cash back on a variety of purchases, including restaurants, gas stations, flights, hotels, rideshares like Uber and Lyft, streaming services, and more. You’ll get 1% back on any purchases that fall outside of those categories.
  • US Bank Altitude Go Visa – Get 4% back on dining purchases, 2% at grocery stores, gas stations, and streaming services, 1% everywhere else. No annual fee.
  • Discover It Miles – While this is not marketed as a cash back credit card, that’s exactly what it is. You get 1.5 “miles” per dollar charged to the card, and these points can be converted to cash at 1 cent per mile. Cash in your miles and you get the equivalent of 1.5% cash back. (You can also use these “miles” to offset travel purchases made with the card.) First-year bonus: Miles are doubled at the end of the first year, meaning you effectively are getting 3% back on your first year purchases.
  • Citizens Bank CashBack Plus MasterCard – Offers a flat 1.8% cash back on all purchases, with no rotating categories to keep track of. Strong cash back credit card.
  • US Bank Cash+ Visa – In addition to offering 1% cash back on all purchases, this card lets you choose two bonus shopping categories each quarter that qualify for 5% cash back and 1 “everyday” category (like gas or groceries) that gives 2% cash back. Note that you must choose your bonus categories each quarter, even if you want to choose the exact same ones as the previous quarter.
  • Chase Freedom Credit Card – Get a 1% cash rebate on all purchases, plus get a 5% rebate in certain “bonus” purchasing categories. (These bonus categories change each quarter.)
  • Discover It – Get a 1% cash rebate on all purchases, and earn 5% on purchases in certain categories. (5% purchase categories change each calendar quarter.)

  • PNC Cash Rewards Visa – Earn 4% cash back on gas purchases, 3% on dining, 2% on groceries, and 1% on everything else. These percentages are good on up to $8000 in total card purchases in the gas/dining/groceries categories per year. After $8000 spent in those categories, all purchases earn 1% cash back.
  • Capital One SavorOne Rewards – 3% cash back on dining and entertainment purchases, 2% at grocery stores, and 1% everywhere else. (Capital One also offers the alternate Savor Rewards Card, which has similar features to this card but boosts the rebate on dining and entertainment purchases up to 4%. That card has no annual fee in the first year but then a $95 annual fee every year after that.)
  • Blue Cash Everyday from American Express – Get a 3% cash rebate at U.S. supermarkets, a 2% rebate at gas stations and most major department stores, and a 1% rebate on everything else. Rebates come in the form of statement credit, meaning that the rebate is used to pay part of your card balance or, if you have no balance, you can use the card to buy something up to the amount of the rebate. Also consider the Blue Cash Preferred Card, which does have a $95 annual fee but offers 6% back on groceries and streaming services, 3% on gas and transit purchases, and 1% elsewhere.
  • BankAmericard Cash Rewards Visa – Get a 3% rebate on purchases in one category of your choice (from a list of possible purchasing categories such as online shopping, gas, travel, etc.), a 2% rebate on grocery store purchases, and 1% back on everything else. Note that if you spend more than $2500 on your 3% category plus groceries in a quarter, the purchases beyond $2500 only qualify for a 1% rebate.
  • AARP Rewards Visa – Offers a 3% rebate on gas and restaurant purchases, and a 1% rebate on all other purchases. It’s unclear whether you actually have to be a member of AARP to qualify.
  • Fifth Third Bank Trio MasterCard – Get 3% cash back on purchases at restaurants, 2% cash back on gas and grocery purchases, and 1% cash back on everything else. The 3% cash back and 2% cash back categories are good toward the first $1500 in restaurant/gas/grocery purchases within a calendar quarter; you’ll get 1% cash back on those purchases after hitting the $1500 mark.
  • TD Bank Cash Visa – Offers 3% cash back on restaurant purchases of all types, 2% cash back on grocery purchases, and 1% cash back on all other purchases. Get a bonus $150 cash back if you spend $500 within the first 90 days of opening your card account.
  • Capital One Quicksilver – Get a straight 1.5% cash rebate on all purchases made with this card. No limit to amount of cash back you can receive and no special purchase categories to remember make this a nice, simple cash back solution.
  • Chase Freedom Unlimited – Offers a flat 1.5% cash rebate on every purchase you make. No special spending categories to consider.
  • TD Ameritrade Client Rewards – Earn 1.5 points per dollar, which translates to 1.5% cash back when redeemed. Earn an extra 10% (for a total cash back percentage of 1.65%) when redeemed into a TD Ameritrade account.
  • Wells Fargo Cash Wise Visa – Offers a straight 1.5% cash back on all purchases.
  • M&T Visa Signature – Offers a straight 1.5% cash back on all purchases. You also have the option to take your reward points and convert them to travel rewards, “experiential” rewards, merchandise, etc.
  • SunTrust Cash Rewards MasterCard – Get a 5% cash rebate on gas and grocery purchases (on up to $6000 in such purchases annually) for the first year (this becomes a 2% rebate after the first year) and a 1% rebate on all other purchases. Get a 10% hike in your rebates when you redeem them into a SunTrust checking, savings, or money market account.
  • Walmart Mastercard – Get 5% cash back on purchases (including grocery purchases for pickup and online purchases delivered to Walmart stores), 2% cash back at Walmart stores as well as Walmart or Murphy USA gas purchases, and 1% cash back on all other purchases.

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