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- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
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- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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- Limited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
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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 17.49% - 27.49%, 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).
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- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
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- High cashback rates at U.S. supermarkets, U.S. gas stations, eligible transit, and U.S. streaming subscriptions (cash back is in the form of Reward Dollars that can be redeemed as a statement credit)
- Introductory APR for purchases and balance transfers
- Up to $10 monthly statement credit toward an eligible Disney bundle subscription (subject to auto renewal; enrollment required)
Compare Today's Top Cash Back Credit Cards
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
|
2026 Award Winner
Best Overall Cash Back Credit Card
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Apply Now
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
|
18.49%, 24.49%, or 28.49% Variable
|
$0
|
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Apply Now
Discover it® Cash Back 4.7
|
1% - 5%
Cash back
|
Cashback Match™
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
17.49% - 26.49% Variable
|
$0
|
|
2026 AWARD WINNER
Best for Dining Out
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Apply Now
Chase Freedom Unlimited® 4.7
|
1.5% - 5%
Cash Back
|
$250
Bonus
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.74% Variable
|
$0
|
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Apply Now
Citi Double Cash® Card 5.0
|
2% - 5%
Cash back
|
$200
|
Balance Transfer:
0%, 18 months
Purchases:
N/A, N/A
|
17.49% - 27.49% (Variable)
|
$0
|
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Apply Now
Chase Freedom Flex® 4.7
|
1% - 5%
Cash Back
|
$200
Bonus
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.24% - 27.74% Variable
|
$0
|
|
2026 AWARD WINNER
Best for Groceries
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Learn How to Apply
Blue Cash Preferred® Card from American Express 5.0
|
1% - 6%
Cash back
|
As high as $300
Cash back
|
Balance Transfer:
0%, 12 months
Purchases:
0%, 12 months
|
19.49% - 28.49% Variable
|
$0 intro annual fee for the first year, $95 per year thereafter
|
Bottom Line
The Bank of America® Customized Cash Rewards credit card is the perfect credit card to save on essentials with customizable cash back rewards, no annual fee, and a one-time cash bonus.
- One-time bonus: New cardholders can get one-time cash 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.
- Cash back rewards:
- 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- Choice categories include: gas and EV charging stations, online shopping, dining, travel, drug store/pharmacy or home improvement/furnishing.
- No annual fee: $0 annual fee.
- Intro APR: 0% introductory APR on purchases for 15 billing cycles then 17.49% - 27.49% Variable APR.
- Balance transfers: 0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days then 17.49% - 27.49% Variable APR.
» Click here to apply now and start earning cash back
Intro Offer
Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee $0 Why we like it
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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.