Estimated cash back rewards amounts are for illustrative purposes. Why this is one of the best cash back credit cards: This card caters to consumers who want to earn cash back on gas and dining purchases. Earn up to $250 - Here's How: Earn up to $150 back when you shop with PayPal. 2.7% of each transaction after conversion to US dollars. Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Eligible categories include restaurants, gas stations and grocery stores. You can: Receive a statement credit. DoNotPay helps you with solving the problems you have every day. cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service (after your first year or $20,000 spent). Please review its terms, privacy and security policies to see how they apply to you. 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. See our full review. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted. A credit card offering cash back means that you can earn rewards on your purchases, often including everything from dining to travel to groceries. Conditions apply. Membership auto-renews. You may also be able to redeem cash back reward points for discounts on hotel rooms and airfare. See our full review. 2% cash back at restaurants, gas stations and on select streaming services. Plus, Citizens will plant a tree through Conservation International in support of Mastercard's Priceless Planet Coalition for each new Cash Back Plus card opened**. Compare travel credit cards and find your ideal travel companion. Earn Chase Ultimate Rewards on everyday purchases and redeem for travel, cash back and more. Every $1 you earn in cash back is $1 you can redeem. In order to earn cash back points, you may need to spend within qualifying categories. No annual fee. Cell phone protection for eligible claims of up to $1,000 each year. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness. You would normally get an invitation to apply through the mail. They offer a high-interest card that is unsecured. Here is how you can reap more cash back rewards without necessarily spending more on your cash back credit card: Credit card rewards, including cash back, are rarely taxable. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Most cards let you earn 1% to 6% back on eligible purchases. In general, a card with a higher rewards rate will provide the most value. Best for bank loyalty: Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card. Either $5 or 3% of the amount of each transfer, whichever is greater. Her experience traverses print and digital media. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness. Cash back credit cards provide a simple, flexible way to earn rebates on your spending. You might earn 1.5% back on all spending, for example. Enrollment required. Why this is one of the best cash back credit cards: The Instacart Mastercard offers 5% cash back on eligible Instacart purchases and on travel booked through the Chase Travel Center. Factor in sign-up bonuses. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. Why this is one of the best cash back credit cards: The Blue Cash Everyday Card from American Express rewards you with cash back on day-to-day purchases. Chase Sapphire Preferred Card. Sometimes you can optimize your savings by stacking cash back offers. cash back at restaurants, gas stations and on select streaming services. DoNotPay can help you find the best cash back apps to save you the most money. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Be sure to select your card as your funding source to earn 3% cash back. A 3% fee (min $10) applies to all balance transfers. 0% intro APR on Purchases for 18 billing cycles. Among other roles, Cybulski has been a copy editor at The Chronicle of Higher Education and at USA Weekend, the former Sunday magazine. Apply now . ID Theft Protection - Peace of mind included with your credit card. Common categories include groceries, gas stations, home improvement stores, and even Amazon and Uber purchases. cash back on Chase travel purchased through Ultimate Rewards. Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). Pros & Cons Card Details Best for Flat-Rate Cash Back Wells Fargo Active Cash Card Apply Now On Wells Fargo's Website Rates & Fees 3.8 Unlimited 2% Rewards Rate Earn unlimited 2% cash. Either $10 or 5% of the amount of each cash advance, whichever is greater. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. You can earn rewards at different rates depending on what type of cash back card you use, where you make purchases and whether a category bonus applies. Many of the card offers that appear on this site are from companies from which we receive compensation. Balance Transfer is back! Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership, after you spend $1,500 on purchases in the first 6 months of account opening. If a card has a 1% cash back rate, for example, you'll earn $0.01 for every dollar you spend and earn $10 for every $1,000 you spend. And we are always working to find the best outcome for you! But read the fine print because card categories may have dollar limits and other restrictions. Get the lowdown on the new PayPal Cashback Mastercard. There's no minimum spending or maximum rewards. Here's How: Earn up to $150 back when you shop with PayPal. Cash rewards: Each cash-back credit card has its own earning scheme, but they all offer the same straightforward, easy-to-use benefit: cash back for each dollar you spend. You'll earn 2% cash back at gas stations and restaurants on up to the first $1,000 in combined purchases quarterly. Your credit card company or issuer may rotate eligible categories and may require you to activate the cash back participation feature on your account each month or quarter. $0 intro annual fee for the first year, then $95. The amount of money you earn back may seem small, but it adds up over time. I was rejected several times for a credit line increase so I canceled the account and applied for a Capital One card and was approved for a $600 credit limit w/no fees. 5% cashback on purchases for the first three months of card membership capped at 100. Apply now . on this page is accurate as of the posting date; however, some of our partner offers may have expired. Discover one of Citi's best cash back rewards cards designed exclusively for Costco members. Balance Transfers do not earn cash back. Her expert advice has been featured in thousands of media outlets, including Fox News, CNN Newsource and Bloomberg. Depending on your cash back card and the program, you may have several options to redeem your cash back rewards. Compare our cash back credit cards to find your best option. 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. Many other credit card companies, retailers, and apps offer ways for you to earn cash back on your purchases. Free online access to your FICO Credit Score. Incentivizes balance payoff. 1.99%. Some cards earn a flat cash back rate, meaning you earn back the same percentage on every transaction. Here's how to choose the best cash back card for your needs. APR 0% intro APR for 12 months from account opening on purchases. Hands down, the Citi Double Cash Card is one of the best cash back credit . Why this is one of the best cash back credit cards: The Blue Cash Preferred Card from American Express offers cash back on everyday purchases. No annual fee. Best for travel: U.S . Other spending earns one ThankYou Point per dollar. Upromise Round Up lets you round up your purchases so you can get more cash back rewards. Typical annual rebate: $500. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. It's free for everyone, Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Some caveats: You have to activate the bonus categories online every quarter or you won't earn the bonus rewards. INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! As Experian explains, a cash-back credit card is rather easy to understand for example, if your cash-back card offers 2% cash back on purchases, you'll get $2 in rewards for every . Terms apply. Check out some companies that may offer cash back: DoNotPay knows you work hard for your money. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. 3. Kick off the process to find the right app or website for you. Every time you make an eligible purchase with your cash-back credit card, your card issuer will pay you back a percentage of that transaction. After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Legal Information and Disclosures: Credit cards subject to credit approval. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. The HSBC Cash Rewards Mastercard is flat-rate cash back card that earns 1.5% cash back on all purchases. The information for the Bank of America Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. Earn 0.5% cashback on further purchases once you've made over 4,000 of purchases per calendar year. Earn one point for every one dollar spent. Some cards pay a single, flat rate on every purchase, while others pay. NOW: Earn 5% at Restaurants and PayPal, now - September, on up to $1,500 in purchases, when you activate. We want to see you make the most out of every purchase that you make. Learn more and manage your cookies. Though it has a nice rewards rate, the annual and monthly fees will eat away at any profits you make if you aren't charging at least $1,000 a month on the card. Cardholders earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases and then 1% back. For the first 180 days, earn up to 14% cash back 1,2 on eligible online purchases . Whether you're considering a hotel, airline or general travel rewards card, this guide can help you understand their differences and which card is best for you. That means you could earn 3.75%-5.25% cash back on purchases in your choice category. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back, online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex card. Taking into account fees of 25.00, you'd pocket 20.00. Cash back is earned in the form of ThankYou Points. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Check the terms and conditions of your account to see whether cash back rewards can expire and, if not, how you might lose them. Flat-Rate Cards. There's no annual fee and rewards never expire. Almost 40% of respondents say they practice retail therapy going shopping to make themselves feel better. For example, if you have 1000 points, you can redeem them for $10. All other purchases get 1% cash back. Also, earn unlimited 1% cash back on all other purchases. Be sure to do research on which grocery stores are included in your card's cash back program since there may be specific supermarkets or stores that are excluded from cash back earnings or only eligible when specified during special promotions. You must have at a minimum of $10 redeemable to apply to a statement credit. Must apply by February 28, 2023. Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 2 You'll still earn an unlimited 1% cash back on all other purchases - automatically. ". Points are redeemable for 1% cash value. 24/7 Luxury Card Concierge - available by phone, email and live mobile chat. 5% cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 17.74% to 28.74%. Your cash-back reward won't necessarily payout immediately. 3% Cash back at Amazon.com and Whole Foods Market, 2% Cash back at restaurants, gas stations and drugstores, 3% Cash back in the category of your choice, 2% Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), Bank of America Customized Cash Rewards credit card. What is a cash back credit card? Some cash back credit cards charge an annual fee, and the average fee is almost $110, according to U.S. News research. Check the fine print because this is not universal, and some may require you to use your rewards within a certain time frame. More than half of companies offering rewards credit cards will have a cash back option. 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. Redeem it to your PayPal balance, and spend it however you want. To make your cash back points earnings worthwhile, you should aim to pay off your entire credit card balance each month to avoid interest charges. Earn unlimited cash back rewards at a rate of 1% on all your purchase. " This is a rare unsecured cash back card for poor and fair credit applicants. However, all credit card information is presented without warranty. Your options for redeeming cash back rewards with flat-rate cards are statement credits, checks or bank deposits. Reap the benefits Cash back rewards are automatically applied to your statement every January. Among other roles, Cybulski has been a copy editor at The Chronicle of Higher Education and at USA Weekend, the former Sunday magazine. The information for the Amazon Rewards Visa Signature Card has been collected independently by U.S. News and the card is not currently available on the site. A cash back credit card is a credit card that offers a cash back rewards program. Credit Needed BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. Read user reviews to learn about the pros and cons of this card and see if it's right for you. Beverly Harzog is a nationally recognized personal finance and credit card expert for U.S. News & World Report. For example, the Capital One Quicksilver Cash Rewards Credit Card earns 1.5% cash back on all purchases. Her experience traverses print and digital media. Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. See our full review. If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. At Ramp, we offer a flat 1.5% cashback on all purchases, and one of our goals is to simplify the work you need to do to compensate for it with our accounting automation. See our full review. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. Benefits could include free credit score access, extended warranty coverage, concierge service, travel accident insurance, purchase protection and price protection. Earn 0.25% cashback on your first 4,000 of purchases per calendar year. 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. Cash back rewards can be redeemed for credit card statement credit, for purchases . What's Ahead: Best credit cards for teens overview. Earn Unlimited 1.5% cash back on all purchases after the intro period. cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. $0 Fraud Liability Protection. Either $5 or 5% of the amount of each balance transfer, whichever is greater. We can help in three different ways: It is easy to get cash backwith DoNotPay's Get Cash Back Product. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%. For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Why this is one of the best cash back credit cards: The Discover it Cash Back offers 5% cash back each quarter in rotating categories, such as Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening. Citi Secured Mastercard. A credit card offering cash back means that you can earn rewards on your purchases, often including everything from dining to travel to groceries. cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center. Terms apply. Around-the-clock service to help you save time and manage tasks big and small. See our full review. Either $5 or 5% of the amount of each transfer, whichever is greater. 3 Steps to Get the Best Price, Does Dollar Tree Do Cash Back? Your credit card company or issuer may rotate eligible categories and may require you to . Best feature: Cash back on everyday purchases, Best feature: Bonus cash back at US supermarkets and gas stations, Best feature: Wide range of cash back rewards, Best feature: Simple bonus category redemption, Best Cash Back Credit Cards of November 2022, Some of the card offers on this site are from companies who are. We don't support this browser version anymore. What to know about getting a credit card as a teenager. Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. After the first 1000 points, you can redeem in increments of 100 points. A flat-rate card pays the same amount of cash back on every purchase. Rewards Rate 2%-4% Intro Offer Up to $400 Our Take Product Details Best overall cash back card BMO CashBack World Elite Mastercard Apply Now Annual Fee $120 Waived first year Interest. Our lowest intro rate. Earn one point for every one dollar spent. Many credit card issuers and card networks offer benefits beyond a rewards program. After that, 15.49 %- 21.49 % variable APR. Is it OK if we also use cookies to show you personalized ads? 2% value for airfare redemptions with no blackout dates or seat restrictions. Just hover your card over a contactless reader, wait for the confirmation, and you're all set, 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, Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats, 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 and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months. Redeeming reward points may help you save money on expenses & travel, there may be various ways for you to redeem your points. Select retailers: Keep an eye on rotating categories since this may change every promotional cycle. Terms apply. You can take advantage of this offer when you apply now. 1x points on all other purchases. Your account must be in good standing to redeem points. Instead of offering an upfront sign-up bonus, the HSBC Cash Rewards Mastercard credit card has a different introductory offer: Earn 3% cash back on all purchases in your first year, up to $10,000 in spend. Either $10 or 5% of the amount of each transaction, whichever is greater. You may also want to be aware of some of the limitations, exclusions, and rules in order to maximize your points earnings and prevent any extra costs that may arise from interest rates on your credit card. 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. Some of the card offers on this site are from companies who are advertising clients of U.S. News. . Membership auto-renews. With the new PayPal Cashback Mastercard, earn unlimited cash back1 at millions of merchants. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.