Looking to earn rewards on every purchase? Cash back credit cards offer a straightforward way to put money back in your pocket. This comprehensive guide examines the top cash back credit cards available today, helping you choose the perfect card for your spending habits.
Top Overall Cash Back Credit Cards
1. Citi Double Cash Card
- Earning Rate: 2% on all purchases (1% when you buy, 1% when you pay)
- Annual Fee: $0
- Welcome Bonus: None
- Additional Benefits:
- 0% intro APR on balance transfers
- Purchase protection
- Virtual account numbers
2. Chase Freedom Unlimited
- Earning Rate:
- 3% on dining and drugstore purchases
- 5% on travel through Chase
- 1.5% on everything else
- Annual Fee: $0
- Welcome Bonus: $200 after spending $500 in first 3 months
- Key Features:
- Purchase protection
- Extended warranty
- Travel insurance benefits
3. Capital One Quicksilver
- Earning Rate: 1.5% unlimited cash back
- Annual Fee: $0
- Welcome Bonus: $200 after spending $500 in first 3 months
- Benefits:
- No foreign transaction fees
- Extended warranty
- Virtual card numbers
Best Category Cash Back Cards
1. Chase Freedom Flex
- Rotating 5% categories (quarterly)
- 3% on dining and drugstores
- 1% on everything else
- No annual fee
- $200 welcome bonus
2. Discover it Cash Back
- 5% rotating quarterly categories
- 1% on all other purchases
- Cash back match first year
- No annual fee
- No foreign transaction fees
Best Fixed-Category Cards
1. American Express Blue Cash Preferred
- 6% at U.S. supermarkets (up to $6,000 per year)
- 6% on select streaming services
- 3% on transit and gas stations
- 1% on everything else
- $95 annual fee
- $250 welcome bonus
2. Capital One SavorOne
- 3% on dining, entertainment, and groceries
- 1% on everything else
- No annual fee
- $200 welcome bonus