The Citi Custom Cash Card earns an 5% back up to the first $500 spent, then 1% cash back thereafter on one select category that you spend the most in during the statement period. This is automatically applied to an eligible category and adjusts each statement based on your spend, so you'll always receive the maximum amount of rewards.
Another big benefit of the Citi Custom Cash Card is that it earns ThankYou Rewards Points which can be transferred to airline and hotel partners if you own the Citi Premier® Card. This bumps up the value of ThankYou Points significantly as you'll be able to redeem points for more than just 1 cent each towards cash back.
Intro Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Learn More about the Citi Custom Cash Card.
If you frequent spend across the categories of supermarket, gas station, and online retail you'll want to heavily consider picking up the Blue Cash Everyday Card.
It earns 3% cash back on up to $6,000 in U.S. supermarket purchases per year (then 1%), 3% back on up to $6,000 in U.S. online retail purchases per year (then 1%), and 3% back on up to $6,000 in U.S. gas station purchases per year (then 1%). All other purchases on the card earn 1% back.
It's one of the best no-annual fee credit cards to have and is typically the better option over the Blue Cash Preferred® Card from American Express if you spend less than $270 per month at U.S. supermarkets.
Intro Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Learn More about the Blue Cash Everyday Card from American Express.
The Upgrade Triple Cash Visa Card earns 3% cash back on home, auto, and health purchases and 1% back on everything else. This is fantastic because each of these categories typically include large purchases meaning that you will be able to earn rewards quickly.
In addition to earning cash back at an excellent rate, you'll also have the option to convert your purchases into a fixed-rate loan which makes this a good option for paying stuff off over time such as a home project or a medical bill.
Credit lines offered for this card are typically around $20,000 or higher which makes it a great card to have on hand in the case of an emergency purchase such as a car repair which would earn you 3% back as it falls under the auto category.
Overall, I highly recommend the Upgrade Triple Cash Visa Card as it is a great well-rounded credit card that can be very beneficial.
Intro Bonus: Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.
Get Pre-approved for the Upgrade Triple Cash Visa Card.
The Upgrade Cash Rewards Visa® is a flat-rate cash back credit card that earns 1.5% cash back on all purchases with no cap on how much you can earn.
Similar to the Upgrade Triple Cash Visa Card, purchases made on the card can be converted into a fixed-rate loan. This provides excellent flexibility if you're looking for a hybrid option that can operate as a credit card or loan.
If you do pick up the card, I recommend pairing it with the Upgrade Triple Cash Visa Card as you'll end up with a nice cash back card combo offering 1.5% to 3% cash back across all purchases.
Intro Bonus: Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.
Get Pre-approved for the Upgrade Cash Rewards Visa Card.
Don't want to have to worry about bonus categories or a complex earning structure? Then the Citi Double Cash Card is as simple and rewarding as it gets.
It earns 1% cash back on all purchases and 1% back when you pay off those purchases for a total of 2% cash back.
If you enjoy travel, you can take the rewards a step further by pairing the Citi Double Cash with the Citi Premier® Card which will allow you to transfer your rewards to Citi's airline and hotel partners.
You can also pair it with the Citi Custom Cash Card or pair all three cards together for maximum value.
Intro Bonus: For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Learn More about the Citi Double Cash Card.
The Chase Freedom Unlimited is one of the best no-annual fee credit cards in the market and one of the best for earning cash back as well.
It earns 5% back on travel purchases through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and a very generous 1.5% cash back on all other purchases.
There aren't many cards that offer bonus categories along with a great return on all other spending which is why this card stands out from the rest.
If you want to maximize your rewards, you can pair this card with an Ultimate Rewards credit card such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® which will give your rewards higher value when redeemed towards travel purchases.
Intro Bonus: Earn an additional 1.5% cash back on everything you buy, up to $20,000 spent during the first year. That's up to $300 cash back.
Learn More about the Chase Freedom Unlimited.
Bank of America® Customized Cash Rewards credit card
If you want the ability to choose a bonus category, there's no better card than the Bank of America Customized Cash Rewards credit card.
It earns 3% cash back on one select category of your choice, 2% cash back on grocery and wholesale club purchases, and 1% cash back on all other purchases. The category you select, grocery, and wholesale club purchases all share a combined spend cap of $2,500 per quarter and once that cap is hit, you'll earn at the non-category rate of 1% for the remainder of that quarter.
One of the best benefits of Bank of America credit cards is the Preferred Rewards program which can earn you up to a 75% cash back bonus based on how much you have invested with Bank of America and their partners.
This means you can earn as much as 5.25% back on a category of your choice, up to 3.5% back on grocery and wholesale club purchases, and up to 1.75% back on everything else.
Intro Bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
If you want to earn a great return on your dining and entertainment spending, the Capital One SavorOne Cash Rewards Credit Card is the card for you.
It earns 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®) and 1% cash back on everything else.
Like all Capital One credit cards, the SavorOne has no foreign transaction fee which means you will not be penalized for making purchases outside of the United States. This allows you to earn cash back on your purchases worldwide which makes it fantastic for international travel and spending.
Intro Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Learn More about the SavorOne Cash Rewards Credit Card.
