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Best Cash Back Credit Cards

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by Eric Rosenberg | Updated Apr. 19, 2017
We maintain strict editorial integrity in our writing and assessments. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone.

Best Cash Back Credit Cards Overview

Advertiser Disclosure

Cash back credit cards are perfect for saving you money on everyday spending and fueling memorable experiences with a vast array of redemption opportunities. There are often many considerations to be made when looking for the right cash back credit card, including which categories earn you the most cash back, redemption options, and annual fees. Using a rigorous approach to calculate how much your everyday spending can earn you, we identified which credit cards would get you the best bang for the buck. In picking our winners, we estimated how much a typical cash back credit card user can expect to get in rewards each year. To make the comparison experience more transparent, we show the total cash back you can expect to get from each of the cards per year.

Best Cash Back Card for Less Than Perfect Credit

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  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Annual Fee

$39

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

24.99% Variable

Best All-Around Credit Card for Cash Back

More Details

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases

Annual Fee

$0

Purchase Intro APR

0% APR for 7 Months

Balance Transfer Intro APR

N/A

Regular APR

15.74% variable

Best Cash Back Credit Card with Bonus Categories

More Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

15.74%-24.49% Variable

Best Credit Card for Flat-Rate Cash Back

More Details

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% APR for 18 Months

Regular APR

13.99% - 23.99% Variable

Our Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
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Data provided by Informa Research Services and CJ Affiliate.
Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset does not include all card companies or all card offers available in the marketplace.
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