Best credit card that pays you back

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 2% Earn unlimited 2% cash rewards on purchases

Intro offer

$200 cash rewards

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Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

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Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 2% Earn unlimited 2% cash rewards on purchases

• Bankrate's ViewCaret Down

  If you’re not interested in keeping up with bonus categories or spending caps, the Wells Fargo Active Cash Card offers a simple solution: unlimited 2 percent cash rewards on purchases. If you’re looking for a flat-rate cash rewards card that will be valuable no matter how your budget changes, it’s hard to do better than that. Read our full Wells Fargo Active Cash Card review.

  Pros

  • Has great short-and long-term value with cash rewards rate and intro APR offer.
  • There are no limits on the cash rewards you can earn and rewards never expire as long as the account is in good standing.

  Cons

  • The intro balance transfer fee will jump from 3 percent to up to 5 percent after the first 120 days from account opening (min: $5).
  • The 3 percent foreign transaction fee could eat into cash rewards if you use this card abroad.

• Card detailsCaret Down
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; 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
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

  Additional features

  Purchase intro APR

  0% intro APR for 15 months from account opening

  Balance transfer intro APR

  0% intro APR for 15 months from account opening on qualifying balance transfers

Best for restaurants

Capital One SavorOne Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

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Best for restaurants

Capital One SavorOne Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• 8% Earn 8% cash back on Capital One Entertainment purchases
• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
• 1% Earn 1% on all other purchases.

Intro offer

$200

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

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

Annual fee

$0

Regular APR

17.99% - 27.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 8% Earn 8% cash back on Capital One Entertainment purchases
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

• Bankrate's ViewCaret Down

  For food, fun and cash back, the Capital One SavorOne Cash Rewards Credit Card brings a lot to the table. You’ll earn a good cash back rate whether you’re out on the town or cooking at home. The sign-up bonus is competitive, too, offering a nice chunk of change for a relatively small spending requirement.

  Read our full Capital One SavorOne Cash Rewards Credit Card review.

  Pros

  • Your rewards will never expire for the life of the account.
  • There are no spending caps assessed to your cash back earnings.

  Cons

  • Beware of redeeming cash rewards on Amazon.com, as there is a list of restricted items you can’t use rewards on.
  • You cannot redeem your rewards for merchandise or airline travel.

• Card detailsCaret Down
  • 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 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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
  • No foreign transaction fee
  • No annual fee

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Best for up to 2% cash back

Citi® Double Cash Card

Apply Now Lock

On Citi's secure site

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Best for up to 2% cash back

Citi® Double Cash Card

Apply Now Lock

On Citi's secure site

Add to compare

Rating: 4.2 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.2 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Intro offer

N/A

Annual fee

$0

Regular APR

18.24% - 28.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

• Bankrate's ViewCaret Down

  If you make your payments on time each month, it’ll be tough to find a better cash back card than the Citi Double Cash Card. With healthy financial habits, this card effectively becomes a 2 percent flat-rate cash back card (1 percent when you make purchases and another 1 percent when you pay your bill), a rare find in the cash back market.
  
  

  Read our full Citi Double Cash Card review.

  Pros

  • You can convert your cash back earnings to Citi ThankYou points when paired with a card like the Citi Premier® Card, which can be redeemed for travel, gift cards and more.
  • There are no spending category restrictions or rotating categories.

  Cons

  • Your rewards can expire with this card if you don’t use it for a year.
  • There is no introductory APR rate offer on purchases.

• Card detailsCaret Down
  • 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.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  0% intro for 18 months on Balance Transfers

Best for 1.5% cash back

Capital One Quicksilver Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Best for 1.5% cash back

Capital One Quicksilver Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 3.8 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 3.8 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro offer

$200

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

Info

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

Annual fee

$0

Regular APR

17.99% - 27.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

• Bankrate's ViewCaret Down

  The Capital One Quicksilver Cash Rewards Credit Card is a good choice for earning cash back with no strategy required and no annual fee. The flat, unlimited cash back rate makes it handy for everyday use.

  Read our full Capital One Quicksilver Cash Rewards Credit Card review.

  Pros

  • There’s a 0 percent intro APR on purchases and balance transfers for the first 15 months of card membership (17.99 percent to 27.99 percent variable APR after). 3% fee on the amounts transferred within the first 15 months.
  • There are multiple redemption options for rewards, including statement credit, gift cards, and more.

  Cons

  • There are other cards on the market that offer a higher unlimited cash back rate.
  • Following the introductory APR period, you might find the 17.99 percent to 27.99 percent variable APR to be a bit on the high side.

• Card detailsCaret Down
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Credit Card BestChoose your 3% category

Best for customizable 3% category

Bank of America® Customized Cash Rewards credit card

Apply Now Lock

On Bank of America's secure site

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Credit Card BestChoose your 3% category

Best for customizable 3% category

Bank of America® Customized Cash Rewards credit card

Apply Now Lock

On Bank of America's secure site

Add to compare

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
• 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
• 1% Earn unlimited 1% on all other purchases.

Intro offer

$200

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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

Info

$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

Regular APR

See Terms

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.

• Bankrate's ViewCaret Down

  For generous cash back earnings, the Bank of America Customized Cash Rewards credit card can help you turn selection into satisfaction. It’s not the only card to offer bonus categories that change, but the ability to choose and change your highest bonus category as often as once a month is a nice feature.

  Read our full Bank of America Customized Cash Rewards credit card review.

  Pros

  • You have the autonomy to choose which category you spend the most in and want to earn the most in.
  • If you choose the online shopping category for bonus rewards, both web and app purchases count.

  Cons

  • There are spending caps on your highest spending categories ($2,500 in combined purchases per quarter, then 1 percent).
  • The sign-up bonus spending requirement is twice as much as its rivals in the cash back credit card category.

• Card detailsCaret Down
  • $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.
  • If you're a 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 no expiration on rewards.
  • 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.

  Additional features

  Purchase intro APR

  See Terms

  Balance transfer intro APR

  See Terms

Best for sign-up bonus

Chase Freedom Unlimited®

Apply Now Lock

On Chase's secure site

Add to compare

Best for sign-up bonus

Chase Freedom Unlimited®

Apply Now Lock

On Chase's secure site

Add to compare

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Enjoy 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;
• 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
• 1.5% 1.5% on all other purchases

Intro offer

Earn an Additional 1.5% Cash Back

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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!

Info

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!

Annual fee

$0

Regular APR

18.74% - 27.49% Variable

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Enjoy 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;
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% 1.5% on all other purchases

• Bankrate's ViewCaret Down

  Most cash back cards offer either a flat rewards rate on all purchases or bonus rewards in select categories, but this card does both. You’ll not only earn bonus cash back in popular categories like travel, dining and drugstores, but also a better-than-average flat rate on all other purchases. On top of that, you get an intro APR offer for purchases and balance transfers, a sign-up bonus worth up to $300 and a variety of redemption options that make it easy to use your rewards the way you want.
  
  

  Read our full Chase Freedom Unlimited review.

  Pros

  • Comes with an intro APR offer, giving you time to avoid interest payments on new purchases and balance transfers.
  • It has some of the most flexible rewards redemption options available on a card with no annual fee, as well as several valuable travel and purchase protections.

  Cons

  • The card’s sign-up bonus can be very valuable, but it may also be tough to maximize. Since it offers an extra 1.5 percent cash back on all purchases, you’ll need to spend $20,000 in your first year to earn the maximum bonus of $300 back. That’s a high threshold to meet, especially since many competing cards only require $500 to $1,000 in spending to earn a $200 bonus.
  • You must book travel through the Ultimate Rewards portal to earn 5 percent back, which may not provide the best value or features compared to booking directly with airlines and hotels, which may offer valuable incentives to encourage you to book directly.

• Card detailsCaret Down
  • 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 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).
  • 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.
  • 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 18.74% - 27.49%.
  • 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, real-time alerts, and more.

  Additional features

  Purchase intro APR

  0% Intro APR on Purchases for 15 months

  Balance transfer intro APR

  0% Intro APR on Balance Transfers for 15 months

Best for rotating cash back categories

Discover it® Cash Back

Apply Now Lock

On Discover's secure site

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Best for rotating cash back categories

Discover it® Cash Back

Apply Now Lock

On Discover's secure site

Add to compare

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn 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.
• 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.

Intro offer

Cashback Match™

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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.

Info

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.

Annual fee

$0

Regular APR

15.74% - 26.74% Variable APR *Rates as of December 15, 2022

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn 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.
  • 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.

• Bankrate's ViewCaret Down

  The Discover it Cash Back is a popular choice for cash back rewards because of the rotating bonus categories. It's an exciting way to earn cash back quarter by quarter and all year-round without committing to a set rewards category.
  
  

  Read our full Discover it Cash Back card review.

  Pros

  • Discover will match the cash back you earn at the end of the first year.
  • There are a few cash back redemption options, including credit to your account and donations.

  Cons

  • You must enroll to take advantage of the bonus categories each quarter.
  • There is a spending limit on your highest cash back category each quarter ($1,500 in combined purchases per quarter).

• Card detailsCaret Down
  • 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.
  • Earn 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. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 15, 2022.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

  Additional features

  Purchase intro APR

  0% for 15 months

  Balance transfer intro APR

  0% for 15 months

Best for groceries

Blue Cash Preferred® Card from American Express

Apply Now Lock

On American Express's secure site

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Best for groceries

Blue Cash Preferred® Card from American Express

Apply Now Lock

On American Express's secure site

Add to compare

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees , Terms Apply

Rating: 4.4 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See if you're pre‐approved for this card with CardMatch™

See if you're pre‐approved for this card with CardMatch™

Rewards Rate

• 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% 6% Cash Back on select U.S. streaming subscriptions.
• 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
• 3% 3% Cash Back at U.S. gas stations
• 1% 1% Cash Back on other purchases

Intro offer

$250

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

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

Annual fee

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

Regular APR

18.24%-29.24% Variable

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% 6% Cash Back on select U.S. streaming subscriptions.
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

• Bankrate's ViewCaret Down

  With generous rewards rates in family-friendly categories including purchases at U.S. supermarkets and U.S. gas stations, on-the-go families will have a hard time finding a more rewarding credit card.
  
  

  Read our full Blue Cash Preferred Card review.

  Pros

  • The base reward program is uber-lucrative, making this card a good choice for people looking for long-term value.
  • You don’t have to keep track of rotating spending categories or enrollment deadlines.

  Cons

  • Purchases at wholesale clubs, superstores (like Walmart), and specialty stores (bakeries, farmers markets, etc.) are excluded from the card’s U.S. supermarket bonus category and only earn 1 percent back.
  • You can only redeem cash back once you’ve earned $25 in rewards, and your only redemption options are statement credits, gift cards or merchandise.

• Card detailsCaret Down
  • Earn a $250 statement credit after you spend $3,000 in 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 after 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% for 12 months on purchases from the date of account opening, then a variable rate, 18.24% to 29.24%
  • 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? 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. Enrollment required.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

  Additional features

  Purchase intro APR

  0% on purchases for 12 months

  Balance transfer intro APR

  0% on balance transfers for 12 months

Best for personal loan alternative

Upgrade Cash Rewards Elite Visa®

Apply Now Lock

On Upgrade's secure site

Add to compare

Best for personal loan alternative

Upgrade Cash Rewards Elite Visa®

Apply Now Lock

On Upgrade's secure site

Add to compare

Rating: 4.2 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4.2 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 2.2% Earn 2.2% unlimited cash back on card purchases every time you make a payment

Intro offer

$200

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$200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.*

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$200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.*

Annual fee

$0

Regular APR

14.99% - 29.99%

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 2.2% Earn 2.2% unlimited cash back on card purchases every time you make a payment

• Bankrate's ViewCaret Down

  If you value having an incentive for making your credit card payments, you will find a lot to love with this card option. You’ll earn a competitive rate of 2.2 percent cash back on your purchases each time you make a payment. The card is also fairly affordable, skipping the annual fee and foreign transaction fees and many other common fees. Read our full Upgrade Cash Rewards Elite Visa® review.

  Pros

  • You won’t need to use your reward earnings to offset any annual fees.
  • You’ll earn a bonus after you open a Rewards Checking account and make three purchases with the card in your first 60 days.

  Cons

  • The high end APR range is well above average. That could prove costly if you don’t have the credit needed to qualify for the lower range and you end up carrying a balance.
  • You won’t get a break on interest if you carry a balance since there are no intro APR offers on purchases or balance transfers.

• Card detailsCaret Down
  • $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.*
  • New Feature: Pay your balance in full early each month and avoid interest with EarlyPay.
  • Earn 2.2% unlimited cash back on card purchases every time you make a payment
  • See if you qualify in seconds with no impact to your credit score
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • Access to a virtual card, so you can start earning while you wait for your card to arrive in the mail.
  • Contactless payments with Apple Pay® and Google Pay™
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer.

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for automatic bonus category

Citi Custom Cash℠ Card

Apply Now Lock

On Citi's secure site

Add to compare

Best for automatic bonus category

Citi Custom Cash℠ Card

Apply Now Lock

On Citi's secure site

Add to compare

Rating: 4.4 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.4 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
• 1% Earn unlimited 1% cash back on all other purchases.

Intro offer

$200

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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.

Info

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.

Annual fee

$0

Regular APR

18.24% - 28.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.

• Bankrate's ViewCaret Down

  With the Citi Custom Cash Card, you don't have to adjust your bonus cash back category—the category adjusts to your spending. Whichever of the 10 eligible categories where you spend the most automatically becomes your bonus category.

  What credit cards give you actual cash back?

  Here's a summary of Best Cash Back Credit Cards.

  Chase Freedom Flex℠.

  Chase Freedom Unlimited®.

  Capital One SavorOne Cash Rewards Credit Card..

  Wells Fargo Active Cash® Card..

  Discover it® Cash Back..

  Discover it® Balance Transfer..

  Do credit cards give money back?

  When you make a purchase on a credit card then request a refund for that purchase, you won't be able to receive cash. Instead, you'll receive a credit on your account that is equal to the amount of the original purchase. The process usually begins after the merchant agrees to refund you for the item.

  What are the top 5 credit cards?

  Best credit cards of 2022.

  Wells Fargo Active Cash® Card: Best for cash back..

  Capital One SavorOne Cash Rewards Credit Card: Best for rewards..

  Wells Fargo Reflect® Card: Best for balance transfers..

  Citi® Diamond Preferred® Card: Best for zero interest..

  Capital One Quicksilver Cash Rewards Credit Card: Best for no annual fee..

  Does Capital One have a 2% back credit card?

  The Capital One Spark Cash Plus offers an unlimited 2% cash back on all purchases. It has an annual fee of $150.