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12 of Our Best Cash-Back Credit Cards

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Cash-back credit cards offer some of the most valuable benefits for everyday household spending. Their rewards are extremely flexible — you can use cash for just about anything — and many of the best cash-back credit cards don’t charge an annual fee.

And, if you’re looking for an introductory 0% APR promotion for new purchases or balance transfers, you’re more likely to get it with one with a popular cash-back credit card than with a card that offers points or miles.


Best Cash-Back Cards & Bonuses Summary:

Cash Back Credit Card Bonuses
Chase Freedom Flex℠ Card
Bonus Offer: Earn $200 after spending $500 in the first 3 months of account opening
Annual Fee: $0
Chase Freedom Unlimited® Card
Bonus Offer: Earn an additional 1.5% cash back on purchases (up to $20,000 spent) in the first year
Annual Fee: $0
Blue Cash Everyday® Card from American Express
Bonus Offer: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
Annual Fee: $0
Blue Cash Preferred® Card from American Express
Bonus Offer: Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months
Annual Fee: $0 intro annual fee for the first year, then $95.
Citi Custom Cash℠ Card
Bonus Offer: Earn $200 after spending $1,500 in the first 6 months of account opening
Annual Fee: $0
Citi® Double Cash Card
Bonus Offer: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Annual Fee: $0
Citi Rewards+® Card
Bonus Offer: Earn 20,000 ThankYou Points after spending $1,500 in the first 3 months of account opening + earn 5x ThankYou Points per dollar spent at restaurants up to $6,000 in the first 12 months
Annual Fee: $0
Capital One Quicksilver Cash Rewards Credit Card
Bonus Offer: Earn $200 after spending $500 in the first 3 months of account opening
Annual Fee: $0
APR: 17.99%-27.99% (Variable)
Capital One SavorOne Cash Rewards Credit Card
Bonus Offer: Earn $200 after spending $500 in the first 3 months of account opening
Annual Fee: $0
APR: 17.99%-27.99% (Variable)
Wells Fargo Active Cash® Card
Bonus Offer: Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months of account opening
Annual Fee: $0 | Rates and Fees
Ink Business Cash® Credit Card
Bonus Offer: Earn $900 after spending $6,000 in the first 3 months of account opening
Annual Fee: $0
Ink Business Unlimited® Credit Card
Bonus Offer: Earn $900 after spending $6,000 in the first 3 months of account opening
Annual Fee: $0

>> Review the methodology our credit card experts use to determine the best credit products in various categories from our credit card partners. Also, skip to the most frequently asked questions about cash-back rewards cards.

Best Cash-Back Credit Card Bonuses From Our Partners

There’s no one credit card out there that’s best for everyone. The right one for you depends on your preferences and spending habits.

Finding the best cash-back card for your financial situation can be time-consuming if you don’t know where to look. To help, we’ve put together a list of the best cash-back cards from our credit card partners.


Chase Freedom Flex℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on both purchases and balance transfers for the first 15 months. After the introductory period, a variable rate will apply. Balance transfers made within the first 60 days of account membership will be charged a balance transfer fee of either $5 or 3% of the amount of each transfer. After 60 days, that balance transfer fees increases to either $5 or 5% of the amount of each transfer, whichever is greater.

APR: Variable APR depending on credit worthiness. See terms for details.

Rewards Rate: Earn 5% cash back on up to $1,500 spent each quarter in rotating categories (when you activate), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on everything else.

Sign-Up Bonus: Receive a $200 bonus after you spend $500 in the first three months.

Who Should Use This Credit Card? People who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Why We Like It

Why We Like the Chase Freedom Flex℠ Card

We love that the Chase Freedom Flex card expands on an already lucrative offering from Chase. The original Chase Freedom card was already a solid choice for cash-back enthusiasts, and this one raises the bar.

The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile credit card rewards platform available. You’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel credit cards, you can transfer points from your Chase Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

The Chase Freedom Flex Card is an excellent cash-back credit card for people who are looking to maximize rewards. Cardholders can take advantage of its excellent rewards rate: 5% cash back on rotating categories when you activate (up to $1,500 each quarter), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on other purchases.

As a new Freedom Flex cardholder, you’ll also earn a $200 sign-up bonus after you spend $500 in the first three months.

The Freedom Flex also offers an introductory 0% APR on new purchases and balance transfers for the first 15 month from account opening. Read our full Chase Freedom Flex Card review.


Chase Freedom Unlimited® card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Extra 1.5% cash back on all purchases (up to $20,000 spent) in the first year
APR: Variable APR After Intro 0% APR Period
Intro Rewards Rate: 3%-6.5% Cash Back
Standard Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases and balance transfers for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000) in the first year of account opening. This bonus is valued at up to $300 in cash back, and increases rewards rates to: 6.5% cash back on travel booked through Chase, 4.5% back on dining (including takeout and eligible delivery services) and drugstore purchases and 3% back on all other purchases.

Rewards Rate: After the bonus 1.5% cash back intro offer period concludes, earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases and 1.5% back on everything else.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? Adding extra value to everyday spending categories like dining and travel help elevate this card above its competitors. Add the fact that there’s a 0% introductory APR for 15 months, an extra 1.5% cash back bonus during the first year of account holding and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

More Details: The Chase Freedom Unlimited is a valuable all-around credit card with no annual fee. This cash-back card earns a rewards rate of 5% cash back on travel booked through Chase Ultimate Rewards, 3% back at drugstores, 3% back on dining, including takeout and eligible delivery services and a flat-rate 1.5% back on other purchases. There are no rotating categories to track, caps on how much you can earn or excluded purchase categories.

New cardholders can take advantage of its big sign-up bonus—enjoy an additional 1.5% cash back on all purchases (up to $20,000 spent) in the first year. This bonus is valued at up to $300 in cash back, and stacks with all the above rewards rates, meaning you can earn up to 6.5% cash back. Read our full review of the Chase Freedom Unlimited Card.


Citi Custom Cash℠ Card

Offer Details
CITI Custom Cash card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 17.74% – 27.74% After Intro 0% APR Period
Rewards Rate: 5% Back in Top Eligible Spend Category
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Note that there is a balance transfer fee of $5 or 5% of the transfer, whichever is greater. Furthermore, balance transfers need to occur during the first four months of account opening.

Once the no-interest offer concludes, a variable APR between 17.74% – 27.74%, based on credit worthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers 5% cash back on purchases in your top eligible spending category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Sign-Up Bonus: Earn $200 in 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.

Who Should Use This Credit Card? People who want flexibility in their spending rewards.

Why We Like It

Why We Like the Citi Custom Cash℠ Card

The Citi Custom Cash Card, from our partner Citi, has a novel approach to rewarding spending. The credit card offers an impressive 5% cash back on purchases made in your top eligible spending category each month, up to $500 spent per month — no activation required. After that, you’ll earn just 1% back on every purchase because that’s the base rewards rate.

The list of eligible bonus categories includes restaurants, gas stations, grocery stores, select travel and transit, select streaming services, drug stores, home improvement stores, fitness clubs and live entertainment.

Cardholders can redeem their ThankYou Points for cash back as a direct deposit, statement credit or check. Alternatively, they can redeem their points for gift cards, travel and online shopping via Amazon.com. The ThankYou rewards program also partners with a number of airlines, both domestic and international, and you can transfer your points to these frequent flyer programs.

More Details: The Citi Custom Cash Card, from our partner Citi, gives cardholders the chance to earn 5% cash back every month on their top eligible spending category, up to $500 each month — no activation required. This Citi card is technically billed as a cash-back credit card, but you’ll actually earn ThankYou Points, which can be worth more than traditional cash-back rewards.

Citi Custom Cash Card is offering $200 cash back after you spend $1,500 in the first 6 months — that’s 20,000 ThankYou Points, which you can redeem for cash back or for a number of other things, including gift cards and travel. Plus, new cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Read our full review of the Citi Custom Cash Card.


Citi® Double Cash Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 2% Cash Back
APR: Variable APR Between 17.74% – 27.74% After Intro 0% APR Period
Rewards Rate: 2% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders enjoy 0% introductory APR on all balance transfers for the first 18 months of account opening and are charged an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5). Once the no-interest offer concludes, a variable APR between 17.74% – 27.74%, based on creditworthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers 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.

Who Should Use This Credit Card? People who want simple, flat-rate cash back on all of their spending.

Why We Like It

Why We Like the Citi® Double Cash Card

The Citi® Double Cash Card, from our partner Citi, is among the top cards on the market for general spending. Forget the cards that offer 1% and 1.5% cash back. The Citi Double Cash Card offers you a whopping 2% cash back for all spending. Earn 1% back when you make a purchase and 1% back when you pay your account balance. To earn cash back, pay at least the minimum due on time.

The credit card’s rewards rate makes it perfect for all of the odds and ends you buy from random stores and uncategorized vendors.

More Details: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. This card also comes with a competitive 18-month, 0% APR introductory balance transfer offer for new cardholders. After which, you’ll pay a variable APR based on your creditworthiness on any unpaid balances.

Read our full review of the Citi Double Cash Card.


Citi Rewards+® Card

Offer Details
Citi rewards+ card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 20,000 ThankYou Points
APR: Variable APR Between 17.24% – 27.24% After Intro 0% APR Period
Rewards Rate: 1X-5X ThankYou Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. Afterwards, any balances will carry a variable APR based on creditworthiness. Note that there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the balance transfer fee is 5% of each transfer ($5 minimum).

APR: After the intro 0% APR offer concludes, a variable APR between 17.24% – 27.24% will apply.

Rewards Rate: The card offers 5X ThankYou Points per dollar spent at restaurants up to $6,000 in the first 12 months (and then the point-to-dollar ratio becomes 1:1 thereafter). Additionally, earn 2X ThankYou Points per dollar spent at grocery stores and gas stations for the first $6,000 per year (after that, the point-to-dollar ratio is 1:1). Otherwise, the card awards 1x ThankYou Points per dollar spent on all eligible spending.

Sign-Up Bonus: Earn 20,000 bonus ThankYou Points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Who Should Use This Credit Card? People who make lots of small purchases.

Why We Like It

Why We Like the Citi Rewards+® Card

The Citi Rewards+ Card, from our partner Citi, has a novel approach to rewarding spending. It rounds up all purchases to the nearest 10 ThankYou Points. As an example, if you bought a cup of coffee for $2, you’d earn 10 ThankYou Points. Similarly, if a burger and fries cost $15, you’d earn 20 ThankYou Points. Awesome, right?

If you make a lot of small purchases, like a morning cup of coffee, this could be the card for you. The Citi Rewards+ Card also earns 2X ThankYou Points per dollar spent at grocery stores and gas stations up to the first $6,000 each year. Plus, for a limited time earn 5X ThankYou Points per dollar spent at restaurants up to $6,000 in the first year. The card offers introductory 0% interest on purchases and balance transfers for the first 15 months.

Citi Rewards+ Card, from our partner Citi, is a cash-back rewards credit card with no annual fee. The card includes unique features, including a round-up to the next 10 Thank You Points on any purchase and 10% back on redemptions. New cardholders can earn 20,000 bonus ThankYou Points after spending $1,500 in the first three months of the account opening date for a limited time. Additionally, new cardholders earn 5x ThankYou points per dollar spent at restaurants up to $6,000 in the first 12 months (then the points-per-dollar ratio becomes 1:1 thereafter).

When shopping with the Citi Rewards+ Card, you’ll earn 2x ThankYou Points per dollar spent at supermarkets and gas stations up to $6,000 in annual purchases. That means you can earn up to 12,000 points per year from these bonus category purchases. Any other purchases beyond $6,000 earn the card’s regular rewards rate of 1x point per dollar. Read our full review of the Citi Rewards+ Card.


Capital One Quicksilver Cash Rewards Credit Card

Offer Details
capital one quicksilver card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 17.99%-27.99% After Intro 0% APR Period
Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: Introductory 0% APR on purchases for 15 months, variable APR after that. The Capital One Quicksilver Cash Rewards Credit Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Variable APR between 17.99%-27.99% based on creditworthiness.

Rewards Rate: The card offers unlimited 1.5% cash back per dollar on every purchase you make and 5% cash back on hotels and rental cars booked through Capital One Travel, giving cardholders predictability and simplicity.

Sign-Up Bonus: New cardholders can earn a one-time $200 cash bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? Households that want a simple, flat-rate cash rewards without spending categories or annual fees.

Why We Like It

Why We Like the Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card features several standout benefits. The $200 bonus opportunity with a low $500 spending requirement for new cardholders is certainly notable. The potential cash back earnings with the Capital One Quicksilver Cash Rewards Credit Card are hard to ignore. You can maximize your rewards by making it your go-to everyday use credit card.

With no annual fee, all of your spending goes towards earning rewards. It’s even a great card to use when traveling internationally since it has no foreign transaction fees.

The Capital One Quicksilver Cash Rewards Credit Card is a popular cash-back credit card, offering unlimited 1.5% cash back on all purchases. Additionally, earn 5% cash back on rental cars and hotels booked through Capital One Travel.

New cardholders can earn a one-time $200 cash bonus once you spend $500 within three months of account opening. Additionally, the Capital One Quicksilver Cash Rewards Credit Card offers an introductory 0% APR offer on purchases and balance transfers for 15 months. A 3% balance transfer fee applies. (Variable APR between 17.99%-27.99% based on creditworthiness applies after this offer concludes. See details on issuer site).

The benefits of this Capital One Quicksilver Cash Rewards Credit Card aren’t limited just to its cash-back rewards. To start out, there’s no annual fee, and the card also offers several key travel perks and purchase protections that help to make it a standout fee-free rewards card to add to your wallet. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.


Capital One SavorOne Cash Rewards Credit Card

Offer Details
capital one savorone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 17.99% – 27.99% After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: An introductory 0% APR on new purchases for the first 15 months of account membership, variable APR after that. The Capital One SavorOne Cash Rewards Credit Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Once the intro APR period has concluded, a variable APR between 17.99% – 27.99% applies based on creditworthiness.

Rewards Rate: The card offers unlimited 3% cash back per dollar spent on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target). Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Also, earn 8% cash back on Capital One Entertainment purchases. Additionally, earn 5% cash back per dollar on hotels and rental cars booked through Capital One Travel. It offers 1% back per dollar on all other purchases.

Sign-Up Bonus: New cardholders can earn a one-time $200 bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? People who regularly spend on entertainment, dining and grocery stores, but do not want a credit card with an annual fee.

Why We Like It

Why We Like the Capital One SavorOne Cash Rewards Credit Card

Foodies and entertainment aficionados alike will find a lot of value with the Capital One SavorOne Cash Rewards Credit Card. After all, with no annual fee and a big $200 bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a Capital One SavorOne Cash Rewards Credit Card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

Plus, when you sign up as a new cardholder, you won’t pay any interest on purchases for the first 15 months. Once you reach that date, regular variable interest rates begin. Also, the card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

Having more than a year interest-free can be a very useful benefit when you’re looking to make a large purchase or undertake a big project at home.

The Capital One SavorOne Cash Rewards Credit Card is an absolute cash-back powerhouse. It awards 3% cash back for every dollar spent at restaurants, grocery stores, entertainment venues and eligible streaming services, including Netflix, Disney+ and Hulu. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Also, earn 8% cash back on Capital One Entertainment purchases. Additionally, earn 5% cash back per dollar on hotels and rental cars booked through Capital One Travel. It offers 1% back per dollar on all other purchases. That’s a lot of value for a cash-back credit card with no annual fee.

New Capital One SavorOne Cash Rewards Credit Card users can earn a one-time $200 cash bonus after spending $500 on the credit card in the first three months of account opening. You also won’t pay any interest on purchases or balance transfers for the first 15 months. A 3% balance transfer fee applies. (A variable APR of 17.99% – 27.99% applies at the conclusion of this 15-month period). Read our full review of the Capital One SavorOne Card.


Wells Fargo Active Cash® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Earn a $200 cash rewards bonus
APR: 18.74%, 23.74%, or 28.74% variable APR after low intro APR period.
Rewards Rate: 2% cash rewards on purchases
Details: Full Review

Rates and Fees

Offer Terms

Annual Fee: $0

Intro APR: The card offers an introductory 0% APR for the first 15 months from account opening on purchases and qualifying balance transfers, then the regular APR is applied to balances. Balance transfers must be made within the first 120 days of membership to qualify for the introductory 0% APR and 3% fee. After the promotional period, balance transfer fees increase to 5% (minimum of $5).

APR: After the low intro APR offer concludes, a 18.74%, 23.74%, or 28.74% variable APR applies.

Rewards Rate: The card offers unlimited 2% cash rewards on purchases.

Sign-Up Bonus: New cardholders earn a one-time $200 cash rewards bonus after spending $1,000 in purchases in the first three months.

Who Should Use This Credit Card? People who prioritize simple cash rewards and do not want the hassle of tracking bonus spending categories.

Why We Like It

Why We Like the Wells Fargo Active Cash® Card

If you’re a fan of earning cash rewards for your everyday spending, then you need a credit card that rewards you for purchases outside of popular bonus categories like travel, grocery stores and gas stations. With the Wells Fargo Active Cash® Card (Rates and Fees), you earn 2% back for every dollar spent without the fuss of tracking specific bonus categories.

Plus, cash rewards do not expire as long as your account remains open. And, you get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your card (subject to a $25 deductible).

It’s rare for a 2% rewards card to feature a bonus offer for new cardholders. Additionally, the introductory 0% APR offer for the first 15 months of card ownership will be appealing to households planning on expensive projects like home remodeling or big-ticket purchases like appliances and vehicle repair.

More Details: Many rewards credit cards tempt you with bonus rewards for specific purchases, but with the Wells Fargo Active Cash® Card (Rates and Fees), you simply receive a 2% cash rewards on purchases. There’s no need to register for anything, and there is no annual fee to carry this credit card in your wallet.

Plus, you now 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).

Wells Fargo Active Cash® Card applicants can earn a $200 cash rewards bonus after spending $1,000 on the card within the first three months of account opening. Additionally, new accounts receive a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers (18.74%, 23.74%, or 28.74% variable APR after low intro APR period). Qualifying balance transfers must be made within 120 days of account opening. Read our full review of the Wells Fargo Active Cash® Card.


Ink Business Cash® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $900
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Limited Time Offer: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Who Should Use This Credit Card? Small business owners and sole proprietors who want flexibility in their credit card rewards

Why We Like It

Why We Like the Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

This an incredibly valuable card for anyone who owns a small business and makes frequent purchases at office supply stores, which can include furniture, electronics, school supplies, gift cards and printing services. The Ink Business Cash is also a great card to use when paying for your internet service, phone bill or television service. It might not seem like much, but earning 5x rewards on these bills every month will add up to serious rewards very quickly. You earn one point per dollar spent elsewhere.

More Details: TheInk Business Cash® Credit Card is a valuable business cash-back card for entrepreneurs of all types. Earn an impressive rewards rate of 5% cash back on select business purchases. These include the first $25,000 you spend each account anniversary year at office supply stores and on phone, cable and internet services. Ink Business Cash also offers 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations each account anniversary year. You’ll earn 1% cash back on virtually all other purchases.

As a new cardholder, get $900 in bonus cash back when you make $6,000 worth of purchases within the first three months of account opening. Additionally, this no-annual-fee card offers an introductory 0% APR during the first 12 months of account opening on new purchases (balance transfers are excluded from this intro APR offer). Read our full review of the Ink Business Cash.


Ink Business Unlimited® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $900
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers 1.5 cents (as 1.5 Ultimate Rewards® points) per dollar spent on all purchases, with no limits.

Sign-Up Bonus: This card offers you $900 in cash back after you spend $6,000 on new purchases within three months of account opening.

Who Should Use This Credit Card? This is a valuable card for those who aren’t interested in bonus categories, or for those who are, but want a separate card just for purchases that don’t qualify for a bonus.

Why We Like It

Why We Like the Ink Business Unlimited® Credit Card

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature. If you want cash back that you can drive back into your business or use for personal expenses, this card could be a great option.

The card has no annual fee but offers an incredible $900 cash bonus after you spend $6,000 in the first three months. You’ll also earn 1.5% cash back on every purchase you make.

Additionally, if you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

The Ink Business Unlimited® credit card is one of the best business rewards credit cards on the market, primarily because of its large upfront bonus. As a new cardholder, you’ll earn $900 in bonus cash after you spend $6,000 in the first three months from account opening.

Ink Business Unlimited offers a simple flat-rate 1.5% cash back per dollar spent on all purchases. Plus, new accounts can take advantage its introductory 0% interest rate on new purchases made during the first 12 months of account opening. And, if you need employee cards, you can get them at no additional charge. Read our full review of the Ink Business Unlimited® card.


Best American Express Cash-Back Credit Card Welcome Offers

Blue Cash Everyday® Card from American Express

For a card with no annual fee, the Blue Cash Everyday® Card from American Express offers an impressive amount of value. Right off the bat, new cardmembers can earn a $250 Welcome Bonus. To earn this welcome offer, you have to spend at least $2,000 on purchases using the card over the first six months (Terms Apply). This will get you a $100 statement credit. The additional $150 you earn as statement credits by simply shopping with PayPal and using your new card to check out. You earn 20% back up to $150, which would require $750 in spend via PayPal.

This card earns 3% cash back per dollar spent at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations, up to $6,000 each calendar year (then 1%). All other eligible purchases earn 1% back.

If you’re looking for a simple card to get cash back and earn a bonus on the popular groceries and gas categories, this card could fit your spending needs. Check out our full review of the Blue Cash Everyday® Card from American Express.


The Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is designed to help on-the-go households maximize cash-back earnings. While this card carries an annual fee after the first year, which is rare for a cash-back product, large families that spend heavily on gas and groceries will most likely spend enough to offset the $95 annual fee.

The card earns 6% back at U.S. supermarkets, up to $6,000 each calendar year (then 1%) and 6% back on select U.S. streaming services. You’ll also earn 3% back on fuel purchases at U.S. gas stations and 3% on transit expenses, including parking, tolls, bus fare and more. All other eligible spending earns 1% cash back.

New cardholders have the opportunity to earn a welcome bonus offer of $250 once they spend $3,000 with the card during their first six months of card membership. Learn more with our full review of the The Blue Cash Preferred® Card from American Express.

The credit needed for most American Express cards is good to excellent.

How Cash Rewards Credit Cards Work

Unlike travel rewards credit cards, you don’t have to be a pro at playing the credit card game to benefit. Cash-back cards are easy to keep track of and user-friendly. These types of cards typically fall in one of the following categories:

  • Flat Rate: A flat rate card usually offers 1.00–2.50% back on all purchases, whether you buy a trip to Italy or a gallon of milk. The Citi Double Cash Card is a good example, as it offers 2% back for every dollar spent. The benefit of flat-rate cash back is that you can keep a minimal wallet and have an easier time keeping track of your credit card spending.
  • Tiered: Tiered cards vary the cash-back rewards based on what you purchase. A tiered card might offer a flat 1% cash back on the majority of purchases and 3% back on gasoline spending. Many times, the higher-earning tier is capped. A tiered card can help you earn more, as long as you select a card that rewards you the most for what you spend the most on.
  • Rotating Categories: Credit cards with rotating cash-back categories usually have a set 1% cash-back rate and then a higher rate, like 5% back on select categories. These categories rotate with the quarters of the year. For example, you might earn 5% back on all grocery purchases in the first quarter of the year.

Common Cash Rewards Categories

New cards are released frequently and some issuers like to get noticed with attention-grabbing interest-free promotions, dollar-for-dollar rebates on rideshares and cash-back offers, like offering 6% back for your favorite streaming service. Most cards, however, offer year-round cash rewards in the same core categories:

  • Supermarkets (Spending at U.S. supermarkets only for American Express cards)
  • Restaurants
  • Gas stations (Spending at U.S. gas stations only for American Express cards)
  • Transportation
  • Wholesale
  • Entertainment

To find the best cash-back credit card, you need to keep track of your spending. Where do you spend the most money? If you spend more money on restaurants than groceries each month, then look for cards that will give you more back for dining out. If your spending is even throughout the cash-back categories, then a higher, unlimited, flat-rate, cash-back card might be a better choice for your finances.

Cash Rewards Credit Cards Versus Travel Credit Cards

Cash-back credit cards and travel cards are very similar. With travel-branded credit cards, you will earn more back when you spend on travel-related purchases, such as airfare or hotels. Most travel cards also offer the best reward rate when you redeem your rewards toward travel, either through the credit issuer’s travel platform or by transferring points to a travel partner.

Many times, redeeming travel rewards card points for cash means you are getting a lower cash-back rate. It is wise to know how far points will go toward travel versus cash before redeeming them. Travel credit cards can also come with more travel perks, such as access to airport lounges or travel insurance. With these perks can also come annual fees, so it is best to weigh the fee with the perks before signing up.

When trying to decide which card is best for you, consider how much travel you plan on doing. If you love the idea of traveling but aren’t gung-ho to explore the world just yet, a cash-back card, like the Citi Double Cash Card, might be an easier card to start with.

How to Compare Cash Rewards Credit Cards

Not all cash-back credit cards are the same. The card that your friend can’t stop raving about might not be a good fit for your spending habits. Here’s what you need to look at before deciding which card is for you:

  • Annual Fee: If the card has an annual fee, is it worth paying? Some annual fees seem expensive up front, but when you consider how much cash back you receive, along with other perks, you might realize it is worth paying. Remember, even if a card has $1,000 worth of perks that make a $250 annual fee seem worth paying for, it is only worth it if you actually use those perks. However, some credit cards, such as the Citi Double Cash Card, offer a lot of value without the expense of an annual fee.
  • Bonus Offer: Sign-up bonuses sweeten the pot. However, make sure you can afford to meet the sign-up bonus. If spending $4,000 in three months will put you into financial hot water, look for a card with a lower bonus offer spending requirement.
  • Redemption: How easy is it for you to redeem your cash back? Look for cards that make it easy to transfer your rewards back to your bank account or that will allow you to spend them on Amazon for the same redemption rate.
  • Intro APR: Looking to make a big purchase up front? A 0% intro APR can save you money on interest and give you more time to pay off your purchases or balance transfers.
  • Special Features and Benefits: Do the cards come with special perks that will save you money throughout the year?
  • Ongoing Rewards: Look for cards with regular opportunities to earn more back rather than choosing a card that only has amazing rewards during the first year.

Pros and Cons of Using a Cash-Back Card

Everything in life has its pros and cons, and cash-back cards are no different. Consider these points before making your decision:

Pros:

  • Simplicity: Cash-back cards are easy to keep track of and it is quick to convert your rewards to cash back in your bank account.
  • No or Low Annual Fees: Most cash back cards are no-annual-fee cards. The Citi Double Cash Card is a good example of a credit card with no annual fee.
  • Low Bonus Requirements: You won’t have to dish out a lot of cash to get the sign-up bonus.
  • Builds Credit: Credit cards can be used to improve your credit score.

Cons:

  • Lack of Travel Benefits: Travel perks usually come with the best travel cards.
  • Cash Back Can Expire: Some cards say cash back never expires but this is only true if you use your card regularly.
  • Low Sign-Up Bonuses: While you won’t have to spend a lot up front to earn the bonus, the sign-up bonus is also a lot smaller than what popular travel cards offer.
  • Fewer Perks: Travel and rewards cards usually offer more benefits.

How to Make the Most of a Cash-Back Card

Once you have decided on the right cash-back card for your wallet, you want to make sure you get the most out of the card. Here are a few tips to increase your perks after approval:

  • Plan to get the bonus. Divide the spending requirement by the sign-up bonus time frame to ensure you are spending enough each month. For example, if you must spend $3,000 in 90 days, plan how you will spend $1,000 each month without messing with your budget.
  • Use the shopping portal. Don’t forget to browse the card issuer’s shopping portal to increase how much cash back you can receive on a purchase. If you were already planning to send your mom flowers for Mother’s Day, you might as well use a vendor through the shopping portal that is offering 10-15% cash back when you use your card.
  • Look for rewards bonuses and multipliers. Keep your eye on special rewards bonuses offered throughout the year. For example, some cards were giving a $100 credit for spending $500 on select cruises.
  • Take advantage of rotating bonus categories. If your card offers rotating bonus offers, then spend a few minutes of planning to capitalize on them each year. For example, if your first quarter bonus category is 5% for groceries, consider spending more on groceries during those first three months. Buy extra pantry staples and meat to deep freeze, so that you can shop less in the months to come.

Methodology

We chose our best cash-back credit cards based on the total value they offer based on certain spending categories, preferences (flat rate versus rotating categories), sign-up bonuses, rewards rate and other features like no-interest offers for new purchases and balance transfers. Because everyone has a different idea of what they want from a credit card, we included as many different angles and issuers as possible.

While most cash-back credit cards don’t charge an annual fee, we included a few that do, but only because the card issuers offer enough value to make up for the fee on an ongoing basis. As you consider which card is right for you, compare these cards, as well as other top credit card offers, to make sure you get the best fit for you.

Cash-Back Credit Cards FAQ

What Is a Foreign Transaction Fee?

A foreign transaction fee is what your credit card issuer — such as Chase or American Express — charges when a transaction you make with your card processes in a foreign currency or passes through a foreign bank. To process these foreign transactions, your card issuer charges you a percentage of the amount of this transaction, typically 3%. You’ll commonly see foreign transaction fees listed on your card statement as a separate charge.

What Is a Statement Credit?

A statement credit is money paid to your account by your card issuer. It essentially works the same as a cash payment to your account. Some rewards card issuers like American Express often offer statement credits as a payout for cash rewards or other point redemption. Statement credit can be used to pay down your card balance or they can remain on your statement as a positive account balance for future purchases.

What Does ‘Other Purchases’ Mean?

With rewards cards, the term “other purchases” typically refers to purchases made outside of bonus categories or spending categories. Cash rewards rates are usually lowest on spending categorized as “other purchases.”

What Are Bonus Categories?

The terms “bonus categories” and “spending categories” are often used interchangeably. But with cash rewards cards, bonus categories refer to any spending category that offers a cardholder accelerated earnings. While some card issuers offer permanent bonus categories, others feature rotating bonus categories that often change every quarter. As an example, the Discover it Cash Back Card offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

What Is a Flat Rate Card?

Flat-rate cards have a set rate, usually 1%, 1.5% or 2%. You earn this flat-rate on virtually all of your purchases, from groceries to gas to airline tickets. This type of rewards card earning simplifies the process, but it also leaves a lot of rewards on the table when compared to other cards. Both the Citi Double Cash Card and the Capital One QuicksilverOne Cash Rewards Credit Card offer a flat rate on all spending. The Citi Double Cash Card offers 2% cash back on all eligible spending; whereas the Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases.

What Are Annual Fees?

An annual fee is a set charge that occurs yearly. For cards with annual fees, the charge is applied to your account as soon as you are approved. You will see that same charge on your card anniversary. If you do not pay the annual fee in the billing statement you receive it, you will start to pay interest on it. Annual fees do not count for sign-up bonuses and they do not earn points or cash back. Occasionally, some card issuers refer to no annual fee cards as no-fee cards.

What Is a Credit Score?

A credit score tells lenders about your creditworthiness (how likely you are to pay back a loan based on your credit history). It is calculated using the information in your credit reports. FICO® Scores and VantageScore are the standard for credit scores. Good credit can be a valuable asset. It can help you save money and access affordable financing when you need it. Even if you have a sizable emergency fund, high credit scores can provide you with an extra safety net during times of economic uncertainty.

What Is a Balance Transfer?

A balance transfer is a way to move your existing credit card debt onto a balance transfer credit card that has a lower or zero introductory interest rate. A balance transfer is an efficient option to help pay off debts faster.

Read More About Current Bank Bonuses:

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Ben Luthi
Ben Luthi
Ben Luthi is a personal finance and travel writer and credit card expert. He has a degree in finance from Brigham Young University and worked in financial planning, banking and auto finance before writing full-time for NerdWallet and Student Loan Hero. Ben is now a full-time freelance writer and enjoys traveling and spending time with his two kids. His work has appeared in several publications, including U.S. News & World Report, USA Today, Money, Success and Slickdeals.

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