Cash Back Credit Card Rewards

Cash back is the most flexible of the reward types when compared to points and miles. It can be redeemed for just about anything and will generally be the best option if you want to use your rewards for more than just travel.

With cash back rewards, the rewards you earn are worth face value so there's no worrying about transferring rewards to partners or researching which redemptions give you the most value. You also never have to worry about devaluations.

The drawback to cash back rewards comes mainly to redemptions that revolve around travel. The value of points and miles can vary and may require research for maximum value, but they can be well worth it if you're a frequent traveler and don't mind putting in the extra effort.

• Best Cash Back Rewards Credit Cards
• Chase Cash Back Rewards Credit Cards
• American Express Cash Back Rewards Credit Cards
• Citi Cash Back Rewards Credit Cards
• Bank of America Cash Back Rewards Credit Cards
• Capital One Cash Back Rewards Credit Cards
• All Cash Back Credit Card Calculators

Best Cash Back Rewards Credit Cards

There are hundreds of cash back credit cards available in the United States, so finding the best card for you can be a challenge. Luckily, we've compiled a list of the best cash back credit cards by category to help you get started.

You can click any of the cards listed on this page to learn more about the card as well as calculate how much cash back you can earn based on spend, the value of benefits, and annual fees.

You can also use the calculator at the bottom of this page to get a list of the cash back credit cards that best fit you based on your spend habits.

Blue Cash Preferred® Card from American Express

Best For Earning High Cash Back

Citi Custom Cash℠ Card

Best For 5% Back On Select Category

Bank of America® Customized Cash Rewards credit card

Best For Targeted 3% Cash Back

Chase Cash Back Rewards Credit Cards

Chase offers several cash back credit cards. Rewards earned with these cards are displayed as points which can be redeemed for 1 cent each in cash back or be used for a number of other redemptions.

In addition to that, you can pair Chase's cash back cards with Chase Ultimate Rewards credit cards for increased point value.

Ultimate Rewards credit cards allow you to redeem points for 1.25 to 1.5 cents each towards travel as well as transfer points to Chase's airline and hotel partners for a chance at even more value.

Best For Flat-Rate Cash Back & Bonus Cash Back

Chase Freedom Unlimited®

Intro Bonus

Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.

View All Cash Back Credit Card Offers

Rewards Rate

5%

Earn 5% on Chase travel purchased through Ultimate Rewards®.

3%

Earn 3% on dining and drugstores.

1.5%

Earn unlimited 1.5% cash back on all other purchases.

Calculate Chase Freedom Unlimited Points

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Main Card Highlights

• Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
• No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
• 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
• No annual fee

Annual Fee

$0

Authorized User Fee

$0

Foreign Transaction Fee

3%

Learn More About The Rewards

• Chase Ultimate Rewards Points Value
• Chase Ultimate Rewards Transfer Partners

Chase Freedom Flex℠

Best For High Earnings On Rotating Categories

Chase Ink Business Cash® Credit Card

Best For Office Supply Stores & Utilities

Chase Ink Business Unlimited®

Best For Flat-Rate Cash Back

Best Chase Credit Cards for January 2022

Calculate which Chase credit cards will offer you the best return and get our top picks.

American Express Cash Back Rewards Credit Cards

American Express offers four cash back credit cards. The personal cards earn Reward Dollars which are worth face value and can be used for statement credits and other select redemptions. Cash back earned with the business cards are automatically applied to the statement as a credit.

If you're looking to maximize your cash back with American Express, you can pair one of the Blue Cash credit cards with the American Express Cash Magnet Card. This ensures that you will always earn at least 1.5% back on your purchases.

Best For Earning High Cash Back

Blue Cash Preferred® Card from American Express

See Rates & Fees

Terms Apply.

Intro Bonus

Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

View All Cash Back Credit Card Offers

View Referral Offer

See if you're pre-approved for this card using the CardMatch™ tool.

Rewards Rate

6%

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6%

6% Cash Back on select U.S. streaming subscriptions.

3%

3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

3%

3% Cash Back at U.S. gas stations

1%

1% Cash Back on other purchases

Calculate Cash Back for the Blue Cash Preferred

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Main Card Highlights

• Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Terms Apply.

Annual Fee

$0 the first year, then $95

Authorized User Fee

$0

Foreign Transaction Fee

2.7%

Blue Cash Everyday® Card from American Express

Best No-Annual Fee Card For U.S. Supermarkets

American Express Blue Business Cash™ Card

Best No-Annual Fee Small Business Card

American Expres® Cash Magnet Card

Best For Flat-Rate Cash Back

Best American Express Cards for January 2022

Calculate which AMEX credit cards will offer you the best return and get our top picks.

Citi Cash Back Rewards Credit Cards

Citi offers two cash back credit cards. Cash back rewards earned with these cards can be redeemeed for checks, statement credits, or gift cards.

Cash back earned with Citi can also be converted to Citi ThankYou Points. When paired with the Citi Prestige or Citi Premier Card, these points can be transferred to Citi's airline partners for increased value.

Best For 5% Back On Select Category

Citi Custom Cash℠ Card

Intro Bonus

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

View All Cash Back Credit Card Offers

Rewards Rate

5%

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

1%

Earn unlimited 1% cash back on all other purchases.

Calculate Rewards for the Citi Custom Cash

Show Details

Main Card Highlights

• Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash℠ Card account per person.

Annual Fee

$0

Authorized User Fee

$0

Foreign Transaction Fee

3%

Citi® Double Cash Card

Best No-Annual Fee 2% Back Card

Best Citi Credit Cards for January 2022

Calculate which Citi credit cards will offer you the best return and get our top picks.

Bank of America Cash Back Rewards Credit Cards

Bank of America offers three cash back credit cards which consists of two personal cards and one business card.Cash back can be redeemed for statement credits, deposits into Bank of America savings/checking accounts, or be credited to a Merrill Lynch or Merrill Edge account.

The big plus to earning cash back with Bank of America is that you can earn up to a 75% cash back bonus based on total investments with Bank of America and their partners. This means you could earn up to 5.75% cash back on a selected category.

Best For Targeted 3% Cash Back

Bank of America® Customized Cash Rewards credit card

Intro Bonus

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

View All Cash Back Credit Card Offers

Rewards Rate

3%

Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

2%

Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

1%

Earn unlimited 1% on all other purchases.

Calculate Cash Back for the Customized Cash Rewards credit card

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Main Card Highlights

• No annual fee
• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
• 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
• No expiration on rewards
• If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
• Contactless Cards - The security of a chip card, with the convenience of a tap

Annual Fee

$0

Authorized User Fee

$0

Foreign Transaction Fee

3%

Bank of America® Unlimited Cash Rewards credit card

Best Flat-Rate Cash Back Card

Bank of America® Business Advantage Customized Cash Rewards credit card

Best For Targeted 3% Cash Back Business Categories

Bank of America® Business Advantage Unlimited Cash Rewards credit card

Best For Flat-Rate Business Cash Back

Capital One Cash Back Rewards Credit Cards

Capital One offers a total of seven credit cards. Cash back can be redeemed towards account credits, be offered as a check, be used for gift cards, or be transferred to another Capital One account holder.

The big benefit of Capital One credit cards is that they have no foreign transaction fees which makes them the best option for earning cash back on international travel and spending.

Best For Dining & Entertainment

Capital One SavorOne Cash Rewards Credit Card

Intro Bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

View All Cash Back Credit Card Offers

Rewards Rate

3%

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).

1%

Earn 1% on all other purchases

Calculate Cash Back for the SavorOne Card

Show Details

Main Card Highlights

• Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
• No foreign transaction fee
• No annual fee

Annual Fee

$0

Authorized User Fee

$0

Foreign Transaction Fee

0%

Capital One Quicksilver Cash Rewards Credit Card

Best For Earning Flat-Rate Cash Back Worldwide

Capital One Spark Cash Plus

Best Flat-Rate Cash Back Business Card For High Spend

Best Capital One Credit Cards for January 2022

Calculate which Capital One credit cards will offer you the best return and get our top picks.

Cash Back Credit Card Calculators By Bank

Calculate credit card cash back with over 20 of the top banks and credit unions in the United States. Compare the results side by side other cards and find out which cards are best for you.

American Express Cash Back Credit Card Calculators

Bank of America Cash Back Credit Card Calculators

Capital One Cash Back Credit Card Calculators

Chase Cash Back Credit Card Calculators

Citi Cash Back Credit Card Calculators

Upgrade Cash Back Credit Card Calculators

Alliant Cash Back Credit Card Calculators

AOD Cash Back Credit Card Calculators

Citizens Bank Cash Back Credit Card Calculators

Comerica Cash Back Credit Card Calculators

Credit One Bank Cash Back Credit Card Calculators

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Fidelity Cash Back Credit Card Calculators

Fifth Third Cash Back Credit Card Calculators

HSBC Cash Back Credit Card Calculators

PayPal Cash Back Credit Card Calculators

PenFed Cash Back Credit Card Calculators

PNC Cash Back Credit Card Calculators

TD Cash Back Credit Card Calculators

USAA Cash Back Credit Card Calculators

U.S. Bank Cash Back Credit Card Calculators

Wells Fargo Cash Back Credit Card Calculators

1% Cash Back Calculator

1.5% Cash Back Calculator

2% Cash Back Calculator

3% Cash Back Calculator

4% Cash Back Calculator

5% Cash Back Calculator

10% Cash Back Calculator

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