6 Best Cash Back Credit Cards

6 Best Cash Back Credit Cards

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After 18 hours of research evaluating 75 products, we picked Chase Freedom Unlimited® as our top choice.

Best Overall Cash Back Credit Card

Best for Card
Best Cash Back Redemption Options
Discover It Cashback Match
Best Category Cash Back Card
BankAmericard Cash Rewards Credit Card
Best Cash Back Card for Household Spending
American Express Blue Cash Preferred Card
Best Cash Back Card for Average Credit
CapitalOne QuicksilverOne Cash Rewards Credit Card
Best Total Cash Back Card
Citi® Double Cash Card
Best Overall Cash Back Credit Card
Chase Freedom Unlimited®

Cash back credit cards typically offer a set percentage rate (usually 1%) to be rebated back to you when you pay your bill.

These credit cards are more popular than gas credit cards or travel rewards cards, because some banks allow you to earn actual cash and not just rewards points.

The best cash back credit cards will allow you to earn, in some cases, even more than 1%, under certain situations.

Here's the deal:

Not all cash back cards are created equally. Some offer higher cash back rewards on certain spending categories. Others offer different kinds of rewards, and different ways to redeem cash back.

The good news? The power of choice is in your hands when picking from the best cash back credit cards for your own particular needs.

Cash back credit cards might be a perfect fit if you spend a lot of money on everyday purchases like:

  • Gas
  • Groceries
  • Restaurants
  • Home improvement

As such, it's hard not to imagine an individual who couldn't benefit from a cash back credit card. Unless you live under a rock (or live a severely minimalistic life), each of these options will help you to end the month with a lower credit card bill.

Even if you don't spend a lot in a specific category, most of these options offer at least 1% in cash back on all purchases. The idea behind using any of the best cash back credit cards is that you're making money on the money you spend, automatically. Who wouldn't get behind that?

The variable APR rates on these cards will definitely cost you more than what you'll earn if you can't pay off your bill each month, so these are most beneficial when used responsibly.

Most cash back cards require a good credit score, but we've reviewed one that would be perfect if you're just getting started with building credit, or if you have an average credit score.

What's the bottom line?

Before considering a new credit card, read our article about how many credit cards you should have (hint: it all depends on you). But if you're ready to diversify the cards in your wallet, there's really something on this list for everyone.

Ready to go? Let's find the best cash back credit card for you.




Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Editorial staff

Quick Look: 6 Best Cash Back Credit Cards
Discover It Cashback Match
  • Rotating 5% cash back for different categories every quarter in addition to 1% cash back on everything
  • Ability to "freeze" your account if you misplace your card
  • Travel happy with no foreign transaction fees.
Check on Discover
BankAmericard Cash Rewards Credit Card
  • Getting 1% cash back on everything is awesome! 3% cash back on gas, and 2% cash back on grocery stores (and wholesale clubs!) is even better.
  • Merrill Lynch or Bank of America customer? You're eligible for additional cash back bonuses!
  • Earn a nice signup bonus ($150) when you spend $500 in 90 days.
Check on Bankofamerica
American Express Blue Cash Preferred Card
  • Lackluster credit? This card can help you out with high credit limits, increasing available credit, and improving your score!
  • Try to find another cash back credit card that offers 6% back on groceries while also offering 3% on gas stations and department stores)
  • Most credit cards charge a fee for balance transfers, but not the American Express Blue Cash Preferred Card (at least for your first 12 months).
Check on Americanexpress
CapitalOne QuicksilverOne Cash Rewards Credit Card
  • Uncomplicated 1.5% cash back, no messing around with categories, and no spending limits on earning cash back.
  • Build credit quickly with access to a higher credit limit just for paying your bills on time.
  • Available to people with an average credit score - you can earn cash back while building credit!
Check on Capitalone
Citi® Double Cash Card
  • So nice, they pay you twice: 1% back on purchases, and 1% when you pay your credit card bill.
  • Keep earning cash back with no limits!
  • Breaking up with a bad credit card or consolidating debt? The Citi® Double Cash Card offers 0% APR for 18 months! Plus, no annual fee.
Check on Citi
Chase Freedom Unlimited®
  • If you have more than one Chase credit card, you can earn more by transferring points and splitting your spending between the two cards
  • Freedom and flexibility: the flat 1.5% cash back rate isn't limited to a specific category
  • The bonus offers are easily attainable and include a $150 bonus after spending $500 within 3 months after opening. Plus, you'll earn a $25 bonus after you add an authorized user and make a purchase in the same period.
Check on Creditcards.chase