Independent credit card comparisonsAdvertiser Disclosure
BestCreditCardsGuide

Cash Back Credit Cards

Cash back cards return a share of what you spend as a statement credit, deposit or check. Some pay one flat rate on everything; others pay more in categories such as groceries, gas or dining and a base rate elsewhere. They are the easiest rewards to understand, because a dollar of cash back is worth a dollar.

We may be compensated when you click links to issuer sites. Advertiser Disclosure. Rates, fees and offers vary and change often; confirm current terms on the issuer’s site.

146 cards · select up to 3 to compare side by side

Chase Freedom Unlimited®

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth…
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards…
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 15 months from account opening date

NHL® Discover it® Credit Card

  • Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TVTM subscription when you use your Discover card
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or…
Annual fee
None
Recommended credit
Good
Intro APR
0% for 18 months from date of account opening date

The Owner’s Rewards Card by M1

  • Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term…
  • Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back…
Annual fee
None
Recommended credit
Excellent / Good
Purchase APR
20.24% to 30.24% variable based on creditworthiness and the Prime Rate

U.S. Bank Triple Cash Rewards Visa® Business Card

  • Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of…
  • Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone…
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 15 months

U.S. Bank Cash+® Visa Signature® Card

  • New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
Annual fee
None
Recommended credit
Excellent
Intro APR
0% for 15 months from account opening

Capital One SavorOne Cash Rewards Card

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding…
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits…
Annual fee
None
Recommended credit
Excellent
Intro APR
0% for the first 15 months from date of account opening

Bank of America® Customized Cash Rewards Credit Card

  • 3% cash back on the category of your choice: gas, EV charging, phone, internet, and cable plans, select streaming…
  • Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery…
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 15 billing cycles from account opening date

USAA® Cashback Rewards Plus American Express® Card

  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturers warranty at no extra cost
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% Introductory APR through your 02/01/2024 billing cycle

US Bank Shopper Cash Rewards™ Visa Signature® Card

  • Earn up to 6% cash back at your favorite stores
  • Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
Annual fee
$0 for the first year; $95 thereafter
Recommended credit
Excellent / Good
Purchase APR
19.74% to 29.74% variable based on creditworthiness and the Prime Rate

Bank of America® Business Advantage Unlimited Cash Rewards Credit Card

  • Unlimited 1.5% cash back on every purchase
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for the 9 months

Citizens Private Client™ World Elite Mastercard

  • Earn an unlimited 2% back on all purchases
  • No annual fee with a Citizens Private Client™ account
Annual fee
$195 ($0 for Citizens Private Client™ clients)
Recommended credit
Excellent / Good
Purchase APR
18.99% to 26.99% variable based on creditworthiness and the Prime Rate

USAA® Preferred Cash Rewards Visa Signature® Card

  • Easy, Unlimited 1.5% Cash Back on Purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% Introductory APR through your 02/01/2024 billing cycle

Vegas Golden Knights Credit Card

  • Earn 1% cash back on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
  • Complimentary access to your Experian credit score
Annual fee
$0 to $95 for the first year. After that, $0 to $99
Recommended credit
Excellent / Good / Fair
Purchase APR
28.99% variable based on the Prime Rate

SchoolsFirst FCU School Employee Mastercard

  • Earn 1.5% cash back on purchases — deposited into your Summer Saver account
  • Enjoy an interest-only payment option during the summer when you may not be working or getting a paycheck
Annual fee
None
Recommended credit
Excellent / Good / Fair
Purchase APR
11.75% to 17.90% variable based on creditworthiness and the Prime Rate

SallieSDCCU Cash Rewards Visa Platinum Mae Ignite Card

  • Earn unlimited1% cash back on every purchase, every day
  • Get a 25% bonus on your cash back rewards when you make 6 consecutive on-time payments
Annual fee
None
Recommended credit
Poor / No Credit Required
Intro APR
0% for 6 months from account opening date

America First Credit Union Visa Signature Cash Back Credit Card

  • Earn between 1% and 1.5% cash back on every purchase
  • Redeem points for merchandise or travel
Annual fee
$0 to $50
Recommended credit
Excellent / Good
Purchase APR
14.74% to 18% variable based on creditworthiness and the Prime Rate

PenFed Power Cash Rewards VISA Signature® Card

  • 1.5% cash back on all purchases made with your card 2% cash back for PenFed Honors Advantage members o
  • 0% introductory APR on balance transfers for 12 months
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 12 months from account opening date

Black Hills Federal Credit Union Visa Cash Back Credit Card

  • Earn 1 point per $1 spent on all everyday purchases and redeem points for gift cards, travel options, and more
  • Low and competitive APR, grace period on purchases
Annual fee
None
Recommended credit
Good
Intro APR
2.90% for 12 months from account opening date

BMO Harris Bank Cash Back Mastercard®

  • $200 cash back bonus when you spend $2,000 in the first three months of account opening
  • 2% cash back per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spending each calendar…
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 12 months on transfers made within 90 days from account…

First Bank Business Edition® Mastercard® with Reward Simplicity

  • Earn unlimited 1.5% Cash Back rewards on every purchase
  • 0% Intro APR for the first 12 months on purchases and balance transfers
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 12 months

Bank of Missouri Cash Rewards American Express® Card

  • 3% cash back on gas on the first $6,000 in annual fuel spending, 2% cash back on supermarket net purchases, and 1% cash…
  • Enjoy chip-enhanced acceptance and security, plus a variety of important features including zero fraud liability…
Annual fee
None
Recommended credit
No Credit Required
Intro APR
0% for 6 months from account opening date

Clearview Premium World™ Mastercard®

  • 0% introductory APR on purchases for 12 months
  • Spend $1,000 in the first 90 days and earn 10,000 bonus points; Automatically receive up to 12,000 bonus points just…
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 12 months from account opening date

Bank of America® Customized Cash Rewards Secured Card

  • 3% cash back in the category of your choice: gas and EV charging, online shopping, cable, phone, and internet plans…
  • 2% cash back at grocery stores and wholesale clubs
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
28.24% variable based on the Prime Rate

BB&T Spectrum Travel Rewards for Business Credit Card

  • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible…
  • 0% introductory annual percentage rate for 9 months on purchases
Annual fee
None
Recommended credit
No Credit Required
Intro APR
0% for 9 months from account opening date

BB&T Spectrum Travel Rewards for Business Credit Card

  • Get 3% cash back on gas, 2% cash back at restaurants and office supply stores, and 1% cash back on all other eligible…
  • 0% introductory annual percentage rate for 9 months on purchases
Annual fee
None
Recommended credit
No Credit Required
Intro APR
0% for 9 months from account opening date

PNC Cash Rewards® Visa® Credit Card

  • Get a $100 bonus after you make at least $1,000 in purchases during the first 3 months from account opening
  • Earn 4% cash back on gas station purchases, 3% on purchases at restaurants, 2% on grocery story purchases, and 1% on…
Annual fee
None
Recommended credit
Excellent / Good
Intro APR
0% for 12 months on transfers made within 90 days of account opening…

DoorDash Rewards Mastercard®

  • With the DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value).
  • 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants…
Annual fee
None
Recommended credit
Excellent / Good
Purchase APR
19.74% to 28.49% variable based on creditworthiness and the Prime Rate

What to look for

  • Flat-rate or tiered: a flat card suits varied spending, a tiered card rewards a few big categories.
  • Caps and rotating categories: some bonus rates apply only up to a spending limit or need quarterly activation.
  • Annual fee versus earnings: a fee only makes sense if your extra cash back clearly exceeds it.