The best cash back credit cards in September 2024

U.S. Bank Cash+? Visa Signature? Card

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The information for the U.S. Bank Cash+? Visa Signature? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best cash back credit card

Key takeaways

5X

Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center

5X

Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice

2X

Earn 2% cash back on one everyday category (like gas stations, grocery stores and restaurants)

1X

Earn 1% cash back on all other eligible purchases

4.9/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best cash back credit card

Welcome bonus offer

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

$200 bonus

Annual fee

$0

Regular APR

19.49% – 29.74% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good Credit</div>

Why we picked it

The U.S. Bank Cash+ Visa Signature Card puts you in control of your cash back rewards. Every quarter, you can select two bonus categories from a list of 12 to earn 5% cash back (up to $2,000 per quarter in combined spending, then 1%). This allows you to earn the most cash back possible for your upcoming purchases and change your bonus categories when spending habits shift.

You’ll then earn 2% cash back on one additional purchase category you choose: grocery stores and grocery delivery, restaurants, or gas stations and EV charging stations. While all other purchases will earn 1% cash back, the customizable bonus categories make this card a solid option.

+ Pros

• High rewards rate on select purchases
• Introductory 0% APR promotion (then 19.49% – 29.74% Variable)
• No annual fee

– Cons

• 5% bonus rewards rate is capped at $2,000 in spending each quarter
• Low base rewards rate
• Charges a foreign transaction fee

Highlights

• $200 rewards 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
• 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
• 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
• 1% cash back on all other eligible purchases
• 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% – 29.74%
• No Annual Fee
• Terms and conditions apply.

Wells Fargo Active Cash? Card

Best for 2% cash rewards on purchases

Key takeaways

2%

Earn unlimited 2% cash rewards on purchases

Rates & Fees

4.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for 2% cash rewards on purchases

Apply Now

On Wells Fargo’s Secure Website

Welcome bonus offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 Cash Rewards

Annual fee

$0

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

With an easy-to-use cash rewards approach, Wells Fargo Active Cash? Card (Rates & Fees) card holders earn a straightforward 2% cash rewards on purchases. With this card, there’s no need to stay on top of category bonuses and worry about the rewards earned every time you swipe your card.

Plus, as long as you use the card to pay for your monthly cell phone bill, you’ll receive automatic cell phone protection, a rarity for no-annual-fee credit cards. Additionally, the card comes with a lucrative welcome offer of a $200 cash rewards bonus after spending $500 in purchases in the first three months.

+ Pros

• Welcome bonus of $200 cash rewards bonus after spending $500 in purchases in the first three months
• Offers cell phone protection
• 0% APR offer on new purchases and balance transfers for?12 months (then 19.74%, 24.74%, or 29.74% Variable APR thereafter)

– Cons

• Charges 3% foreign transaction fee
• No bonus rewards categories
• Limited perks

Highlights

• Select “Apply Now” to take advantage of this specific 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. 19.74%, 24.74%, or 29.74% 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.

Chase Freedom Flex?

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The information for the Chase Freedom Flex? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for versatile rewards in rotating bonus categories

Key takeaways

5%

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled

5%

5% on travel purchased through Chase Ultimate Rewards?

3%

3% on dining and drugstores and 1% on all other purchases

4.7/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for versatile rewards in rotating bonus categories

Welcome bonus offer

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year

$200 bonus + 5% on Gas and Grocery (excluding Target and Walmart)

Annual fee

$0

Regular APR

20.49% – 29.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good </div>

Why we picked it

The Freedom Flex offers both tiered bonus categories and quarterly rotating categories, allowing you to maximize your cash back in popular categories throughout the year. You’ll earn 5% cash back in rotating quarterly bonus categories when activated on up to $1,500 on combined purchases each quarter, then 1%, 5% cash back on travel purchased through Chase Ultimate Rewards?, 3% cash back on drugstore purchases and 3% cash back on dining at restaurants (including takeout and eligible delivery services).

This no-annual-fee card also comes with cell phone protection, which means as long as you use it to pay your phone bill, you’ll be covered if your phone is stolen or damaged. While the card charges a 3% foreign transaction fee, it also offers trip cancellation and interruption insurance (up to $1,500 per person and $6,000 per trip), auto rental collision damage waiver and purchase protection.

+ Pros

• Earn 5% back on eligible travel and purchases in rotating categories
• 15-month 0% intro APR (then 20.49% – 29.24% Variable APR)
  
• No annual fee

– Cons

• Quarterly cash back category capped at $1,500 in combined purchases each quarter
• Charges a foreign transaction fee
• Redemption options don’t include transferring to airline and hotel loyalty partners

Highlights

• 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 choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• 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

Chase Freedom Unlimited?

Best for earning at least 1.5% back on purchases

Key takeaways

1.5%

Earn an additional 1.5% cash back on up to $20,000 spent in the first year

5%

After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel?

3%

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

4.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for earning at least 1.5% back on purchases

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

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. That’s 6.5% on travel purchased through Chase Travel?, 4.5% on dining and drugstores, and 3% on all other purchases.

up to $300 cash back

Annual fee

$0

Regular APR

20.49% – 29.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The Chase Freedom Unlimited offers the best of both worlds: tiered bonus categories and a strong flat cash back rate on all other purchases. With this card, you’ll earn 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery services). You’ll also earn 5% cash back on all travel purchased through Chase Ultimate Rewards. But the real sweet spot here is that on all non-bonus category purchases, you’ll earn 1.5% cash back — a boost from the 1% non-bonus earning that many cash back credit cards offer.

Additionally, if you pair this no-annual-fee card with a premium Chase Ultimate Rewards-earning credit card, you can transfer your rewards to Chase’s airline and hotel partners, allowing your earnings to go even further.

+ Pros

• Generous welcome offer for a no-annual-fee card
• No annual fee
• 15-month 0% introductory APR (then a 20.49% – 29.24% Variable APR ongoing)

– Cons

• Ongoing balance transfer fee is high
• Not eligible to transfer points to airline and hotel loyalty program partners
• Charges a foreign transaction fee

Highlights

• 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!
• Enjoy 6.5% 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; 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).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 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.
• No minimum to redeem for cash back.?You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire?as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
• 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

Citi Double Cash? Card

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The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for balance transfers

Key takeaways

1%

First, you earn 1% unlimited cash back on every purchase you make

1%

Then, as you pay for those purchases, you earn an additional 1% cash back on those credit card payments

Rates & Fees

4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for balance transfers

Welcome bonus offer

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 $200 cash back

Annual fee

$0

Regular APR

19.24% – 29.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good, Fair </div>

Why we picked it

If you’re looking for pure simplicity, the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. should have a top place in your wallet due to its flat rewards rate: 1% cash back when you make a purchase, and another 1% when you pay it off. The card also offers one of the longest introductory 0% interest rates on balance transfers available. If you’re carrying debt on a high-interest credit card, this card’s 0% intro APR for 18 months on balance transfers (then a 19.24% – 29.24% Variable interest rate) could save you money.

+ Pros

• No annual fee
• Unlimited cash back
• Long intro APR on balance transfers

– Cons

• Flat earnings rate
• No travel or purchase protections
• Foreign transaction fees

Highlights

• 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel? portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).

Discover it? Cash Back

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The information for the Discover it? Cash Back has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for first-year rewards and rotating bonus categories

Key takeaways

5%

Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations and more up to the quarterly maximum when you activate

4.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for first-year rewards and rotating bonus categories

Welcome bonus offer

Intro Offer: Unlimited Cashback Match? – only from Discover. 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.

Cashback Match?

Annual fee

$0

Regular APR

17.24% – 28.24% Variable APR

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good</div>

Why we picked it

The Cashback Match? on the Discover it? Cash Back * The information for the Discover it? Cash Back has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. card is unusual because the more you spend, the more you’ll earn. This is because you’ll receive an unlimited dollar-for-dollar match on all cash back earned within the first year of being a cardmember. Combined with the rotating quarterly bonus categories where you can earn 5% cash back after activation (on up to $1,500 in combined spending, then 1%), you’ll be padding your wallet in no time.

This card is ideal for those who switch up their spending throughout the year while still making purchases in many popular categories.

+ Pros

• High cash back rate for rotating categories
• Automatic cash back match at the end of your first year with no cap
• 0% APR for 15 months on purchases and balance transfers (then a 17.24% – 28.24% Variable APR)

– Cons

• Spending caps in rotating categories
• Low base rewards rate
• Regular APR can be high

Highlights

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. 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—automatically.
• Redeem your rewards for cash at any time.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Terms and conditions apply.

Blue Cash Preferred? Card from American Express

Best for groceries

Key takeaways

6%

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

6%

Earn 6% cash back on select U.S. streaming subscriptions

3%

Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up to $6,000 in each category per year in purchases (then 1%) and 1% cash back on other eligible purchases

1%

Earn 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Partner Offer

Rates & Fees / Terms Apply

4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for groceries

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Earn $250

Annual fee

$0 intro annual fee for the first year, then $95

Regular APR

18.74%-29.74% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The Blue Cash Preferred (terms apply, see rates and fees) is hands down the best grocery credit card for earning cash back. With a 6% cash back return at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), this is the perfect card for those who rack up a hefty grocery bill. You’ll also earn 6% cash back on select U.S. streaming subscriptions and 3% cash back at U.S. gas stations and on transit — which will only help increase your cash back earned.

Even though the card offers a high return, you’ll need to make sure the rewards earned are worth the $0 intro annual fee for the first year, then $95.

+ Pros

• Earns 6% cash back on up to $6,000 of purchases each year at U.S. supermarkets annually (then 1%)
• $7 monthly credit on select Disney streaming subscriptions
• No annual fee for first year

– Cons

• Supermarket purchases only earn 1% after spending cap is reached
• Charges $0 intro annual fee for the first year, then $95
• Most bonus earning rates are limited to U.S. purchases

Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible 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 intro plan fees when you use Plan It? to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. 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.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% – 29.74%.
• 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.
• 3% Cash Back 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 or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Terms Apply.

Bank of America® Premium Rewards® credit card

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The information for the Bank of America® Premium Rewards® credit card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best welcome bonus offer

Key takeaways

60k

Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.

Points

If you’re a Bank of America Preferred Rewards? member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.

3.8/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best welcome bonus offer

Welcome bonus offer

60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening

60,000 points

Annual fee

$95

Regular APR

21.24% – 29.24% Variable APR on purchases and balance transfers

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

The Bank of America Premium Rewards card offers the highest welcome bonus on the list — by a lot. While competing credit cards are offering a few hundred dollars at most, this card offers 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.

Although the card comes with a $95 annual fee, you’ll receive up to $100 in statement credits per year towards airline incidentals, which easily offsets the fee. And with up to $100 in statement credits every four years toward your TSA PreCheck or Global Entry application fee, airport travel will be more enjoyable.

+ Pros

• Up to $100 in annual airline incidental fee credits
• Global Entry or TSA PreCheck application fee credit
• Strong travel protections including emergency evacuation and transportation coverage

– Cons

• $95 annual fee
• No airline or hotel transfer partners
• Requires at least good credit to be considered

Highlights

• Low $95 annual fee.
• Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Capital One SavorOne Cash Rewards Credit Card

Best for 3% cash back in popular categories

Key takeaways

8%

Earn 8% cash back on Capital One Entertainment purchases

3%

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

5%

Earn 5% cash back on hotels and rental cars booked through Capital One Travel

1%

Earn 1% cash back on all other purchases

3.8/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for 3% cash back in popular categories

Learn More

On CardRatings’s Secure Website

Welcome bonus offer

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

$200

Annual fee

$0

Regular APR

19.99% – 29.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

If you’re looking for a card that’ll incentivize you to use it in a slew of popular categories, the Capital One SavorOne Cash Rewards Credit Card is a great option. You’ll earn a whopping 3% cash back on dining, entertainment, select streaming services and at grocery stores. Best of all, unlike some other credit cards with generous bonus categories, there’s no cap on the cash back you’ll earn.

+ Pros

• High cash back rate in certain categories
• 0% introductory APR on purchases and balance transfers for the first 15 months (then a 19.99% – 29.99% Variable APR)
• No foreign transaction fee

– Cons

• Requires strong credit
• Low base rewards rate
• May charge a high regular APR (19.99% – 29.99% Variable)

Highlights

• 3% cash back on dining, entertainment, popular streaming services and at grocery stores (not including superstores such as Walmart? and Target?)
• 5% cash back on hotels and rental cars booked through Capital One Travel
• 8% cash back on Capital One Entertainment
• 1% back on purchases outside of bonus categories
• $200 cash bonus after spending $500 on purchases within the first three months from account opening
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
• No annual fee
• No foreign transaction fee

Prime Visa

*

The information for the Prime Visa has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for Amazon and Whole Foods shoppers

Key takeaways

10%

10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership

5%

5% back at Amazon.com, Amazon Fresh, and Whole Foods Market and on Chase Travel purchases with an eligible Prime membership

2%

2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)

1%

1% on all other purchases

3.8/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for Amazon and Whole Foods shoppers

Welcome bonus offer

Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $100 Amazon Gift Card

Annual fee

$0

Regular APR

20.49% – 29.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

If Amazon is your go-to for online shopping, it’s hard to beat Amazon’s no-annual-fee Prime Visa. When you have an eligible Prime membership, you’ll earn 5% cash back at Amazon and Whole Foods and on Chase Travel purchases. You’ll also earn a respectable 2% cash back at gas stations and restaurants, and on local transit and commuting. This card comes with another unique feature — it’s one of the only no-annual-fee metal credit cards on the market.

+ Pros

• No annual fee or foreign transaction fees
• 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
• Flexible rewards redemption options

– Cons

• Low base cash back rate on non-bonus categories
• Must have an eligible Prime membership
• Other cash-back cards offer higher welcome bonuses

Highlights

• Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
• Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
• Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
• Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
• Earn unlimited 1% back on all other purchases
• No annual credit card fee
• No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
• Member FDIC

Bank of America® Customized Cash Rewards credit card

*

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for choosing your own bonus categories

Key takeaways

$200

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

3%

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.

3.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for choosing your own bonus categories

Welcome bonus offer

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

$200

Annual fee

$0

Regular APR

19.24% – 29.24% Variable APR on purchases and balance transfers

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

With the opportunity to choose your own bonus categories on a monthly basis, the Bank of America Customized Cash Rewards lets you take control of your cash back earning. The card allows you to select one 3% cash back category of your choice (from a list of eligible categories). You’ll also earn 2% cash back at grocery stores and wholesale clubs. Note that you’re capped at $2,500 in combined spending per quarter in the 2% and 3% bonus categories; after that, you’ll earn 1% cash back.

+ Pros

• Decent welcome bonus and intro APR offer
• No annual fee
• Ability to earn up to 3% cash back in an eligible category you choose

– Cons

• Charges a foreign transaction fee
• 3% and 2% bonus categories are capped
• Must be a Bank of America Preferred Rewards member to maximize rewards

Highlights

• $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.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 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 19.24% – 29.24% 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 4%.
• Contactless Cards – The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Chase Freedom Rise?

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The information for the Chase Freedom Rise? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for consumers with no credit

Key takeaways

1.5%

Earn 1.5% cash back on every purchase

3.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for consumers with no credit

Welcome bonus offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

$25 statement credit

Annual fee

$0

Regular APR

26.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>New To Credit</div>

Why we picked it

It can be hard to qualify for a rewards credit card if you don’t have an established credit history, but the Freedom Rise is designed specifically for folks in that situation. And Chase says you can increase your chances of approval by having a Chase checking account with a balance of at least $250. Whether you’re a student or just new to credit, this card is a good starting point, earning a straightforward 1.5% cash back on purchases with no annual fee. Plus, after six months with the card, Chase will evaluate you for a credit limit increase. A higher credit limit, combined with using the card responsibly, can help your credit score.

+ Pros

• Potential to qualify for a credit limit increase after six months
• $0 annual fee
• Earns 1.5% cash back on all spending

– Cons

• No significant welcome bonus
• Need an eligible Chase checking account to boost approval odds
• No bonus cash back categories
  

Highlights

• Increase your approval chances – Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise?
• Earn Cash Back – With Chase Freedom Rise?, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
• Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
• Credit Limit Increase – As a Freedom Rise cardmember, you’ll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise? Card
• Free Credit Score – Track your credit score and learn how to build it with Chase Credit Journey.
• No Annual Fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Rise? card.
• Member FDIC

We receive compensation from our partners for Featured Offer placements, which impacts how and where their offer is displayed.

Featured Offer

Chase Freedom Unlimited?

Welcome Bonus

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. That’s 6.5% on travel purchased through Chase Ultimate Rewards?, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Regular APR

20.49% – 29.24% Variable

Annual Fee

$0

Credit Score

Credit Score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Excellent, Good

Apply Now

On Chase Bank USA, NA's Secure Website

Our picks at a glance

	Annual fee	Welcome bonus	Best for	Notable feature
U.S. Bank Cash+? Visa Signature? Card * The information for the U.S. Bank Cash+? Visa Signature? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	$200 rewards bonus after spending $1,000 on eligible purchases within the first 90 days of account opening	Cash back	High 5% cash back earning in customizable categories
Wells Fargo Active Cash? Card	$0	$200 cash rewards bonus after spending $500 in purchases in the first three months	2% cash rewards on purchases	Cell phone protection
Chase Freedom Flex? * The information for the Chase Freedom Flex? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	$200 bonus after you spend $500 on purchases in your first three months from account opening	Versatile rewards in rotating bonus categories	Bonus categories
Chase Freedom Unlimited?	$0	Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back	Earning at least 1.5% back on purchases	High base rewards rate
Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	$200 cash back after spending $1,500 on purchases in the first six months of account opening, fulfilled as 20,000 ThankYou? Points	Balance transfers	0% intro APR for 18 months on balance transfers (then a 19.24% - 29.24% Variable interest rate)
Discover it? Cash Back * The information for the Discover it? Cash Back has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	N/A	First-year rewards and rotating bonus categories	Unlimited Cashback Match after first year
Blue Cash Preferred? Card from American Express	$0 intro annual fee for the first year, then $95	$250 statement credit after spending $3,000 on eligible purchases within the first six months	Groceries	Disney Bundle credits
Bank of America® Premium Rewards® credit card * The information for the Bank of America® Premium Rewards® credit card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$95	60,000 online bonus points after you make at least $4,000 in purchases in the first 90 days of account opening	Welcome bonus offer	Travel credits and protections
Capital One SavorOne Cash Rewards Credit Card	$0	$200 cash bonus after spending $500 on purchases within the first 3 months from account opening	3% cash back in popular categories	High cash back rate in certain categories
Prime Visa * The information for the Prime Visa has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	$100 Amazon Gift Card instantly upon approval exclusively for Prime members	Amazon and Whole Foods Shoppers	Metal credit card for no annual fee
Bank of America Customized Cash Rewards	$0	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening	Choosing your own bonus categories	Ability to change 3% bonus category each month
Chase Freedom Rise? * The information for the Chase Freedom Rise? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	Earn a $25 statement credit for enrollment in autopay within three months of account opening (terms apply)	Consumers with no credit	Automatic review for a credit line increase

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Types of cash back credit cards

• Flat-rate: These cards offer a simple way to earn rewards: You’ll earn a flat rate of cash back on all purchases. Typically, flat-rate cash back credit cards return up to 2% on every purchase.
• Tiered: These cards offer a different amount of cash back depending on the category of the purchase. You’ll often see bonus categories such as groceries, restaurants, gas and travel purchases. If you spend a lot in certain categories, tiered earning structures will help you maximize your rewards. Some cards come with annual caps on bonus category earning, and once that cap is met, purchases will earn at the card’s base cash back rate.
• Rotating categories: Cards that offer rotating categories allow you to earn an increased amount of cash back on select categories that change throughout the year — typically monthly or quarterly. Some cards offer designated categories, while others allow you to select your category of choice. Many times these bonus categories are capped at a maximum amount spent during a designated time frame.

What is a cash back credit card?

A cash back credit card allows you to earn rewards worth a small percentage of each purchase every time you swipe your card. This means when you fill up your gas tank, buy groceries or make other everyday purchases, you’ll earn cash back. Many cash back credit cards offer an increased percentage return for common types of spending, so you’ll want to make sure to look at each card’s bonus categories to ensure you’re earning your full potential.

Cash back credit cards are best for consumers who want straightforward rewards and don’t want to worry about the nuances that come with travel points or miles. With cash back, you can use your rewards toward anything you desire. Typically, these cards allow you to redeem your rewards into your bank account or use them to pay off your credit card bill. Other redemption options may also be available.

Many cash back credit cards offer additional benefits on top of rewards. Perks may include travel protections, an introductory annual percentage rate (APR) on purchases and balance transfers, extended warranty, and cell phone protection.

What to look for in cash back credit cards

First, you’ll want to evaluate the card’s cash back earning rates. Many cash back credit cards offer higher cash back rates in popular categories, such as restaurants, gas stations, grocery stores and travel, so look at your monthly spending to help determine which categories are most important for you.

Next, consider the additional benefits built into the card. For example, if you’ll use the card to pay for travel, a card that offers car rental insurance, trip cancellation insurance or lost luggage protection could be your best choice. Or, if you plan to use the card to pay your wireless bill, picking one with cell phone insurance could save you money. And if you already have other cards in a certain rewards program —such as Chase Ultimate Rewards? — you might want to choose a card in the same program.

Fees and annual percentage rate (APR)

Fees and APRs on cash back credit cards vary, but you’ll find some offer quite favorable terms. In fact, many of the top cash back credit cards come with no annual fee and introductory 0% APRs on both purchases and balance transfers.

When you’re considering any credit card, you’ll want to make sure to only pay an annual fee if the rewards and benefits outweigh the yearly cost, especially when compared to a no-annual-fee card. If you’re carrying a high-interest balance on another credit card or if you have a large purchase you need to make, looking for a card with an introductory 0% APR can save you money.

Cash back rates and bonus categories

If you want the simplest possible card, a flat-rate credit card is your best bet. This is because there are no categories to keep track of — you’ll earn the same amount of cash back on all purchases.

A cash back credit card with bonus categories offers increased cash back on certain purchases, and a lower rate of cash back (often just 1%) on all other purchases. Bonus category earnings can sometimes be 5% or more, so you’ll want to pick a card with categories that match your spending habits.

Cash back credit cards that offer rotating categories require more effort, but can increase your cash back earned immensely. Whether a card sets the bonus categories or lets you pick your own, you’ll typically need to remember to activate or choose your categories periodically.

Redemption and rewards

Cash back credit card rewards are usually simple to use, with many programs offering a variety of redemption options. Some cards allow you to redeem cash back to your bank account, as a check, toward previous purchases or for gift cards. Others, such as American Express cards, earn cash back in the form of reward dollars that are applied as a statement credit.

Some cash back cards earn rewards in the form of points. For example, the Freedom Flex and Chase Freedom Unlimited earn Chase Ultimate Rewards points, which you can redeem toward cash back, bookings made through Chase Travel, gift cards and more. But if you pair either of these cards with a premium travel credit card that earns Chase Ultimate Rewards points (Chase Sapphire Preferred? Card, Chase Sapphire Reserve? or Ink Business Preferred? Credit Card), you can transfer points to Chase’s airline and hotel partners, giving you more flexibility and potentially a higher value for your rewards.

Pros and cons of cash back credit cards

Cash back credit cards are simple to use and redeeming your rewards is usually straightforward. But if you’re looking for a credit card with fancy perks that’ll allow you to travel around the world in style, a cash back credit card probably won’t make the cut.

Pros	Cons
Simple to earn and use rewards	Typically fewer card benefits than travel rewards cards
Variety of options to fit different spending habits	Often have lower welcome bonus offers than travel rewards cards
Often have no or low annual fees	Rewards earned typically have a fixed value

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Tips and tricks to maximize your cash back credit cards

One of the best ways to maximize rewards is to have more than one cash back credit card in your wallet. Since you won’t find a single card that truly has it all, having two or more cards that earn rewards in different categories can ensure you earn the most cash back.

While this can add some complexity to your credit card rewards strategy, it can be worth it in the long run. For example, you could have one or two cards that offer bonus cash back for your most common expenses, such as groceries, gas or dining. Then, you can use another card that offers a high flat cash back rate (such as the Citi Double Cash or Wells Fargo Active Cash on all non-bonus category purchases. We only suggest this if you’re able to responsibly manage multiple credit cards at one time.

Another tip is to pair your cash back card with a premium credit card within the same rewards program, such as Chase Ultimate Rewards or Citi ThankYou? Rewards. Citi credit cards that earn cash back, such as the Citi Double Cash and Citi Custom Cash? Card * The information for the Citi Custom Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , actually earn rewards in the form of Citi ThankYou? points. If you also have a Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , you unlock the ability to transfer your points to Citi’s airline and hotel partners and get a potentially higher value for your rewards.

Are cash back credit cards worth it?

If you prefer an easy approach to credit card rewards and don’t want to worry about navigating complicated travel rewards programs, a cash back credit card is worth it. Cash back credit cards are the most flexible because you can effectively redeem rewards toward any purchase you desire.

However, a travel credit card is a better bet if you want to redeem rewards for flights, hotel stays or other travel. Rewards from these cards often give you a higher value than cash back, depending on how you redeem them. The downside is you may be locked into a certain travel rewards program, which limits your flexibility. There’s also a learning curve that comes with many of these programs, which can be a turnoff. Many travel rewards cards have an annual fee, although you’ll usually get more benefits than you would on a cash back credit card.

Methodology

Our money and data analytics teams reviewed over 110 cash back credit cards. We narrowed down our list by giving each card a star rating out of five, based on the following factors and our editorial judgment:

Rewards value (30%)

We used spending data from the Bureau of Labor Statistics to estimate the average cash back earnings you could expect to get by using a card for your everyday spending.

Select fees (25%)

Cash back cards that don’t charge an annual fee got higher grades in this category, as did cards with no foreign transaction fee. For cards that do charge an annual fee, we considered whether the rewards and benefits justified the cost.

Sign-up bonus value (20%)

We looked at the value of each card’s welcome bonus offer to assign scores in this category.

Benefits (20%)

Cards with benefits such as travel insurance, purchase protection, extended warranty or a 0% introductory APR on purchases and balance transfers received higher rankings in this category.

Annual credits and bonuses (5%)

Some cash back cards offer statement credits toward certain purchases or bonuses for spending. These cards got a small lift in our ratings.

What didn’t make the cut

• Alliant Cashback Visa Signature Credit Card * The information for the Alliant Cashback Visa Signature Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Although you can earn up to 2.5% cash back, you’ll need to join Alliant Credit Union to qualify for the card and meet checking account requirements to unlock the highest rewards rate.
• American Express Cash Magnet? Card * The information for the American Express Cash Magnet? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : While you can earn a decent 1.5% cash back, other cards, such as the Chase Freedom Unlimited, offer the same or higher return with more favorable features.
• Capital One Quicksilver Cash Rewards Credit Card: This card also offers 1.5% cash back, but the Chase Freedom Unlimited offers the same base rewards rate with more benefits.
• PayPal Cashback Mastercard? * The information for the PayPal Cashback Mastercard? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : This card offers up to 3% cash back, but it’s limited to consumers who have a PayPal account.
• Apple Card * The information for the Apple Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Since this card requires you to use Apple Pay to get the highest return rate, it’s not an option for many consumers. But, if you fall into this category, it’s a card to consider.
• Fidelity? Rewards Visa Signature? * The information for the Fidelity? Rewards Visa Signature? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : You’ll earn 2% cash back on all purchases with this card, but only if you deposit your rewards into an eligible Fidelity account (such as a brokerage account, cash management account or 529 college savings plan). If you already invest with Fidelity, it’s worth a look.

Frequently asked questions (FAQs)

To view rates and fees for Blue Cash Preferred? Card from American Express, please visit this page.