Credit Cards
15 best cash-back credit cards of November 2024
By
Summer Hull
Summer Hull
Senior director of content
Summer Hull has been covering (and using) travel tips, rewards credit cards and loyalty programs for over a decade. She has flown close to a million miles, often on points and miles and with her family in tow.
and
•Christina Ly
Christina Ly
Credit cards writer
Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in 2022.
Edited by
•Madison Blancaflor
Madison Blancaflor
Managing editor
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
Reviewed by
Stanley Sanford
Stanley Sanford
Compliance manager
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
If you’re looking to earn money every time you make a purchase, check out our top picks for the best cash-back credit cards. For many, cash is king, and with the right cash-back credit card, you can earn rewards every time you spend. Each card on this list has been chosen for its solid earning rates — from simple 2% flat-rate cash-back cards to those with optimized cash back within specialized spending categories.
These cards can help you maximize your everyday purchases and earn rewards that are easy to redeem.
Check out our curated selection and comprehensive guide on some of the best cash back cards on the market from our partners below.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
- Blue Cash Preferred® Card from American Express: Best for gas and supermarkets
- Chase Freedom Unlimited®: Best for flexible cash rewards
- Capital One Spark Cash: Best for flat-rate business cash back rewards
- Capital One Spark Cash Plus: Best for unlimited business cash back
- Citi Double Cash® Card: Best for balance transfers
- Wells Fargo Active Cash® Card: Best for simple cash-back
- Capital One Quicksilver Cash Rewards Credit Card: Best for flat-rate cash back
- Prime Visa: Best for Amazon shoppers
- Synchrony Premier World Mastercard®: Best for automatic cash back statement credits
- Ink Business Unlimited® Credit Card: Best for freelancers
- Citi Custom Cash® Card: Best for flexibility
- Blue Cash Everyday® Card from American Express: Best for beginner cash back
- Capital One Savor Cash Rewards Credit Card: Best for entertainment cash back
- Ink Business Cash® Credit Card: Best for small businesses
- Discover it Cash Back: Best for cash back in rotating categories
Overwhelmed with credit card options?
Filter out the noise and simplify the research. We'll find your best match in minutes
Best for gas and supermarkets
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Blue Cash Preferred® Card from American Express
Apply now
for Blue Cash Preferred® Card from American Expressat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 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 |
Open Intro bonus
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Earn $250
$0 intro annual fee for the first year, then $95.
18.49%-29.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Preferred Card from American Express.
Pros
- This card has one of the best earning structures out for among cash-back credit cards.
- The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
- See Rates & Fees
Best for flexible cash rewards
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 5% | Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. |
| 1.5% | 1.5% cash back on all other purchases. |
Open Intro bonus
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
19.99% - 28.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Chase Freedom Unlimited is a surprisingly powerful card that earns cash back on every purchase. However, it doubles in potential value if you pair it with a card that earns transferable Ultimate Rewards points. Read our full review of the Chase Freedom Unlimited.
Pros
- Multiple bonus categories
- Incredible value when paired with a premium Chase card
Cons
- Limited card perks and benefits
- Foreign transaction fees
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Best for flat-rate business cash back rewards
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Capital One's secure site
Terms & restrictions apply.
See rates & fees.| 5% | 5% cash back on hotels and rental cars booked through Capital One Travel |
| 2% | 2% cash back on every purchase |
Open Intro bonus
Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
$750 Cash Back
$0 intro for first year; $95 after that
25.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
The Capital One Spark Cash Credit Card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that is waived in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
Pros
- Generous welcome offer
- No foreign transaction fees
- Unlimited 2% cash back
Cons
- Charges an annual fee after the first year of card membership
- For businesses that want to earn 2% cash back on all purchases with the stability that comes with a traditional credit line
- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- $0 annual fee for the first year; $95 after that
Earn $4,000 or more in cash bonuses
Best for unlimited business cash back
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Capital One's secure site
Terms & restrictions apply.
See rates & fees.| 5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel |
| 2% | Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions |
Open Intro bonus
$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
$2,000+ cash back
$150
N/A
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros
- The card features unlimited 2% cash back on every purchase
- This card offers a large welcome bonus
- Hotels and rental cars booked through Capital One Travel are eligible for 5% cash back
Cons
- The card has a $150 annual fee
- The required spend to waive the annual fee is very high
- The card’s balance must be paid in full every month
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
Best for balance transfers
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Citi's secure site
Terms & restrictions apply.
See rates & fees.| 1% | 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. |
| 5% | Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. |
Open Intro bonus
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.
$200 cash back
$0
18.49% - 28.49% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
580-850Excellent, Good, Fair
The Citi Double Cash Card caters to beginners establishing good credit habits, since users will earn 2% cash back; 1% when they buy and 1% when they pay their statement. The Citi Double Cash is a great pick for those looking for the utmost simplicity and want cash back in their pocket. Read our full review of the Citi Double Cash here.
Pros
- Earning 2% back on every purchase is an industry-leading return on everyday spending for a no-annual-fee credit card.
- Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.
- It’s great for those looking to consolidate debt, since it offers new cardmembers a generous introductory APR offer.
Cons
- Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, 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).
Best for simple cash-back
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Wells Fargo's secure site
Terms & restrictions apply.
See rates & fees.| 2% | Earn unlimited 2% cash rewards on purchases |
Open Intro bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
$200 cash rewards
$0
19.49%, 24.49%, or 29.49% Variable APR
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Wells Fargo Active Cash card delivers simplicity to cardholders who want to pay for their purchases without worrying if you’re maximizing every last dollar. With a 2% cash rewards rate, you’ll rest easy knowing that you’re earning bonus points whether you’re online shopping or paying your hairdresser. Plus, enjoy other benefits like cell phone protection and access to the Visa Signature Concierge luxury hotels. Read our full review of the Wells Fargo Active Cash.
Pros
- There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards.
- Earn 2% cash rewards on purchases — no bonus categories to track or remember.
- Get up to $600 in cell phone protection (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with this card.
Cons
- Don’t take this card abroad with you, as this card incurs a 3% foreign currency conversion fee.
- Other cash rewards cards can offer better welcome bonuses.
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for flat-rate cash back
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Capital One Quicksilver Cash Rewards Credit Card
Apply now
for Capital One Quicksilver Cash Rewards Credit Cardat Capital One's secure site
Terms & restrictions apply.
See rates & fees.| 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 |
Open Intro bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
$200
$0
19.74% - 29.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
Pros
- Unlimited 1.5% cash back on all purchases.
- No annual fee.
- Cash back doesn't expire.
Cons
- Limited card perks and benefits.
- Other cards offer more potential and upside when it comes to redeeming cash back.
- 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
- 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
Limited-Time Offer
Best for Amazon shoppers
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Amazon's secure site
| 10% | Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership |
| 5% | Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership |
| 2% | Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) |
| 1% | Earn unlimited 1% back on all other purchases |
Open Intro bonus
Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Get a $200 Amazon Gift Card
$0
19.99% - 28.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Prime Visa is a solid cash-back card for avid Amazon Prime shoppers. Cardholders with an eligible Prime membership qualify for unlimited 5% cash back when shopping at Amazon.com, Whole Foods, Audible and Chase Travel℠, a boost from the card’s standard 3% cash back (without Prime membership).
Cardholders also earn unlimited 2% cash back at restaurants, gas stations, on transit and 1% cash back on all other purchases. With the Prime Visa, you can redeem daily rewards at Amazon.com as soon as the next day or at Chase.com for cash back, gift cards or travel. You’ll also enjoy a list of travel and purchase protections, no annual fee, no foreign transaction fees, and an Amazon Gift Card instantly upon approval with an eligible Prime membership. If you’re a Prime loyalist, the Prime Visa may be one of the best store credit cards on the market.
Pros
- Unlimited 5% cash back when shopping at Amazon.com, Whole Foods and Chase Travel with eligible Prime membership
- Travel and purchase protections
- No annual fee
- No foreign transaction fees
Cons
- Lower reward rates without eligible Amazon Prime membership
- Financed purchases are not eligible for cash-back
- Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
Best for automatic cash back statement credits
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Synchrony's secure site
| 2% | 2% cash back* on every purchase |
no offer
$0
18.74% - 34.49% Variable APR as of October 1, 2024
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good to Excellent
The Synchrony Premier World Mastercard® is a solid cash back card with no annual fee and unlimited 2% cash back on all purchases. With the Synchrony Premier card, cash back is simplified, with all rewards automatically converted into statement credits with no minimum redemption threshold. The card does not offer a welcome bonus or introductory APR rates but does come with all the standardized perks of a World Mastercard.
Pros
- Cash back takes the form of automatic statement credits
- Flat 2% cash back rate means you earn rewards with every purchase
- Uncapped cash back earning potential
- No annual fee
Cons
- Not ideal for those who want cash back redemption options
- Charges a 3% foreign transaction fee
- 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
- No annual fee^
- Zero Liability Protection
- Secure online and mobile app account access
- Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.
- Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
- *2% cash back is valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made, if the account is open and in good standing. See Rewards Terms for details. We reserve the right to modify features of the Cashback Program at any time.
- ^NO ANNUAL FEE: New Accounts as of October 1, 2024: Variable Purchase APR 18.74%, 27.74%, or 34.49%. Variable Bal Trans APR 18.74%, 27.74%, or 34.49% and 4% Fee ($10 min). Variable Cash APR 21.74%, 30.74% or 37.49% and 5% Fee ($10 min). Variable Penalty APR 28.74%, 37.74% or 39.99%. Minimum Interest Charge is $2. Foreign transaction fee: 3%.
Best for freelancers
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Open Intro bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
$0
17.99% - 23.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card.
Pros
- No annual fee.
- A generous welcome bonus.
Cons
- High spend to receive sign-up bonus.
- No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Best for flexibility
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Citi's secure site
Terms & restrictions apply.
See rates & fees.| 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. |
| 4% | Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. |
| 1% | Earn unlimited 1% cash back on all other purchases. |
Open Intro bonus
Earn $200 in cash back after you spend $1500 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.
$200
$0
18.49% - 28.49% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Citi Custom Cash is the most flexible cash-back card on the market, allowing you to earn 5% back on your top eligible spend category on up to $500 spent each billing cycle. Read our full review of the Citi Custom Cash.
Pros
- Choice of bonus category.
- No annual fee.
Cons
- Cap on bonus earning.
- Foreign transaction fees.
- 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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- 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. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
Best for beginner cash back
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Blue Cash Everyday® Card from American Express
Apply now
for Blue Cash Everyday® Card from American Expressat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 3% | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. |
| 3% | 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. |
| 3% | 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. |
| 1% | 1% Cash Back on other purchases. |
Open Intro bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn $200
$0
18.49%-29.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You'll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Read our full review of the Blue Cash Everyday card.
Pros
- 3% cash back at U.S. supermarkets
- No annual fee.
- 3% cash back at U.S. gas stations and U.S. online retail purchases.
- Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
- You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- See Rates & Fees
Best for entertainment cash back
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Capital One Savor Cash Rewards Credit Card
Apply now
for Capital One Savor Cash Rewards Credit Cardat Capital One's secure site
Terms & restrictions apply.
See rates & fees.| 8% | 8% Cash Back on Capital One Entertainment purchases |
| 5% | 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) |
| 3% | 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services |
| 1% | 1% Cash Back on all other purchases |
Open Intro bonus
$250 Cash Back after you spend $500 on purchases within 3 months from account opening
$250 Cash Back
$0
19.74% - 29.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Capital One Savor is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Pros
- 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
- This card is great for beginners.
- The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase.
Cons
- If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
- The sign-up bonus isn’t anything to write home about (though it is easy to earn).
- For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Best for small businesses
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 5% | 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 |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year |
| 1% | Earn 1% cash back on all other card purchases with no limit to the amount you can earn |
Open Intro bonus
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn up to $750 bonus cash back
$0
17.99% - 25.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Ink Business Cash Credit Card.
Pros
- The current sign-up bonus on this card is an impressive up to $750.
- There is no annual fee which is perfect for small business owners.
- You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.
Cons
- 5% and 2% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- 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 purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Best for cash back in rotating categories
Discover it Cash Back
*
*The information about the Discover it Cash Back has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer.
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Information updated as of
11/18/2024
| 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% | Earn 1% unlimited cash back on all other purchases – automatically. |
Open Intro bonus
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Cashback Match
$0
18.74% - 27.74% Variable APR
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good/Excellent
Pros
- Generous first-year cash-back match offer, as Discover will effectively double all the cash back earned in your first 12 months holding the card
- Earn 5% cash back in rotating bonus categories, on up to $1,500 in purchases quarterly
- Eligible customers may qualify for 0% introductory APR in the first 15 months you hold the card
- No annual fee
- No foreign transaction fees
Cons
- 5% cash back earnings capped at $75 cash back per quarter
- Rotating bonus categories must be activated each quarter to earn 5% cash back
- Limited redemption options
The Discover it® Cash Back is a solid option to net elevated cash-back earnings in rotating categories quarterly. Plus, you can get outsize value after your first year with the card, as Discover will match all of the cash back you’ve earned in the first 12 months of using it.
The information for the Discover it Cash Back Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Comparing the best cash-back credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | gas and supermarkets | Earn $250 Open Intro bonus Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | 1 - 6% cash-back | $0 intro annual fee for the first year, then $95. |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | flexible cash rewards | Up to $300 cash back Open Intro bonus Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5 - 5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | flat-rate business cash back rewards | $750 Cash Back Open Intro bonus Earn $750 cash back once you spend $7,500 in the first 3 months from account opening | 2 - 5% cash-back | $0 intro for first year; $95 after that |
Earn $4,000 or more in cash bonuses Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | unlimited business cash back | $2,000+ cash back Open Intro bonus $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year | 2 - 5% cash-back |