| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
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Bank of America® Customized Cash Rewards credit card 4.5
|
1% - 6%
Cash back
|
$200
|
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
Purchases:
0%, 15 billing cycles
|
18.24% - 28.24% Variable
|
$0
|
2025 award winner Best Overall Cash Back Credit Card /images/2024/12/17/wells-fargo-active-cash-12172024.png)
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Wells Fargo Active Cash® Card 5.0
|
2%
Cash rewards
|
$200
Cash rewards
|
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
Purchases:
0%, 12 months from account opening
|
19.24%, 24.24%, or 29.24% Variable
|
$0
|
|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
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Chase Freedom Unlimited® 4.7
|
1.5% - 5%
Cash Back
|
$200
Bonus
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.99% - 28.49% Variable
|
$0
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
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Discover it® Cash Back 4.7
|
1% - 5%
Cash back
|
Cashback Match™
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.24% Variable
|
$0
|
/images/2025/02/18/capital_one_quicksilver_card_art_-_2-18-25.png)
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Capital One Quicksilver Cash Rewards Credit Card 4.7
|
1.5% - 5%
Cash Back
|
$200 Cash Bonus + $100 Capital One Travel credit
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
$0
|
Today's Top Cash Back Credit Cards
Citi Double Cash® Card
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- 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.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Frequently Asked Questions
Have questions about cash back credit cards? We've answered the most common ones below to help you choose the right card for you.
When you use a cash back credit card, the issuer gives you back rewards as a percentage of what you spend on qualifying purchases. You can usually redeem these rewards for statement credits, and sometimes for other things, like gift cards.
There are different types of cash back credit cards. For example, if you have a flat-rate cash back card that offers 1.5% back on all purchases and you buy a $10 birthday cake, the card issuer will give you 15 cents back.
Certain cash back cards also offer rotating bonus categories, which typically vary from quarter to quarter. One quarter, bonus cashback categories might include eligible online shopping purchases on sites like Amazon, Target, or Walmart. The next quarter, you might earn bonus cash at a wholesale club or home improvement store, or on a streaming subscription. As an added bonus, some issuers will even match the cash back you earn at the end of your first year, up to a certain amount.
The exact rewards structure will vary from card to card, though redemption options may be similar across credit cards. Some typical cashback redemption options include statement credits, direct deposits to your checking account, mailed checks, or credits you can use to purchase gift cards.
There are many categories of cash back cards. Some offer general flat-rate cash back, while others offer rotating categories. In general, here are some of the most common cash back categories:
- U.S. Supermarkets
- Gas Stations
- Restaurants
- Travel
- Rotating categories
Whether cash back or points/miles are better depends on what you value most. Big travel spenders might appreciate rewards that can be traded in for airline tickets, statement credits, and hotel stays. These points may be worth more than cash back depending on how you earn and redeem them.
However, some credit cards offer cashback rewards that can save customers a lot of money annually, which may be more important for you. In the end, it’s up to you to decide which is better for your lifestyle.
If you'd prefer more flexibility, certain cashback rewards cards allow you to use your cash back to book travel. This can give you the best of both worlds if you're on the fence about which type of card to choose.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including the annual fee, travel benefits, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.