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Best Cash Back Credit Cards of 2024

Our top picks for the best cash back credit cards

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Best for Groceries & Gas

Blue Cash Preferred® Card from American Express

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Up to 6% Reward Rate

Earn 6% back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit, and 1% back on other purchases.

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Annual Fee
$0 the first year, then $95
Welcome Offer
$250
Regular APR
19.24% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
We love the Blue Cash Preferred® Card from American Express for its excellent cash-back rewards on purchases at U.S. supermarkets, U.S. gas stations, and more. Although it does have an annual fee, its perks can easily outweigh the cost.
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Card Details

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  • 0% Intro APR for purchases and balance transfers during the first 12 months (then 19.24% to 29.99% variable)
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • 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 Preferred® Card. Enrollment required.
  • Terms Apply.
Pros
  • Excellent rewards on spending at U.S. supermarkets, U.S. gas stations, transit and more
  • 0% APR on purchases for a limited time
  • Don’t need to activate categories
Cons
  • Rewards can only be redeemed for a statement credit or at Amazon.com
  • Charges foreign transaction fees
  • Has an annual fee
Bottom Line

Although this card has an annual fee, most families will be able to easily get enough value out of the everyday categories to make it worth it.

Best for Flexible Cash Back Rewards

Chase Freedom Unlimited®

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Up to 6.5% Reward Rate

Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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 1.5% cash back on all other purchases.

Annual Fee
$0
Welcome Offer
Up to $300 cash back
Regular APR
20.49%-29.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Chase Freedom Unlimited® card is a great option for those looking for flexibility in their rewards. It offers a flat cash-back rate on all purchases and generous cash-back in other useful categories (including travel!), making it easy to earn rewards. Oh, and on top of that, it doesn’t charge an annual fee. Although this card earns cash back, it goes beyond that. The rewards you earn are part of the Chase Ultimate Rewards® program, meaning they’re extra flexible to redeem. It also boasts a variety of additional perks like purchase protection and travel insurance. In the saturated world of rewards credit cards, the Chase Freedom Unlimited® still manages to stand out, making it one of our favorite options out there.

Best for Dining and Entertainment

Capital One SavorOne Cash Rewards Credit Card

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Up to 3% Reward Rate

Earn 3% cash back on dining purchases, entertainment, and popular streaming services. Earn 3% cash back at grocery stores, and earn 1% cash back on all other purchases.

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Annual Fee
$0
Welcome Offer
$200
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If you think of yourself as a foodie or an entertainment enthusiast, you should consider the Capital One SavorOne Cash Rewards Credit Card. This card offers up to 8% cash back on eligible purchases, a nice welcome bonus, and 15 months of 0% interest, all for no annual fee, which is quite honestly a spectacular set of benefits, in our opinion.
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Card Details

More Card Info

  • 0% intro APR on purchases and balance transfers for 15 months (then 19.99% - 29.99% variable APR).
  • Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
  • 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
  • No foreign transaction fees
Pros
  • No rotating categories that you need to sign up for
  • No spending cap
  • No annual fee
Cons
  • High APR
  • Good or excellent credit recommended
  • Low sign-up bonus
Bottom Line

The cash-back categories and welcome bonus are pretty solid, especially for a card without an annual fee.

Best for Everyday Purchases

Blue Cash Everyday® Card from American Express

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Up to 3% Reward Rate

Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% back on up to $6,000/year at U.S. gas stations (then 1%), 3% back on up to $6,000/year on online retail purchases (then 1%), and 1% back on all other eligible purchases.

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Annual Fee
$0
Welcome Offer
$200
Regular APR
19.24% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If you want a credit card that gives you cash back on your everyday purchases without requiring an annual fee, consider the Blue Cash Everyday® Card from American Express. It offers solid rewards on your spending at places like U.S. supermarkets, U.S. gas stations, and online retailers.
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Card Details

More Card Info

  • 0% intro APR on purchases and balance transfers for 15 months after account opening, then 19.24% to 29.99% variable APR.
  • 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.
Pros
  • No annual fee
  • 0% APR on eligible purchases for 15 months
  • Generous rewards at U.S. supermarkets, U.S. gas stations & online shopping
Cons
  • Rewards cap on spending at U.S. supermarkets, U.S. gas stations, and online retail purchases
  • 2.7% foreign transaction fee
  • Low rewards rate outside of bonus categories
Bottom Line

For a no-annual-fee option, the reward rate on this card is pretty solid, but for heavy spenders, other cards may offer more value.

Best for Businesses

American Express Blue Business Cash™ Card

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Up to 2% Reward Rate

Earn 2% cash back on up to $50,000 in combined purchases each year (then it drops to 1%).

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Annual Fee
$0
Annual Fee
$70 first month
Welcome Offer
$250
Regular APR
18.49% to 26.49% variable
Why we like it
The American Express Blue Business Cash™ Card offers simple cash-back rewards and doesn’t charge an annual fee, making it a great option for small business owners who don’t spend heavily in specific higher-reward categories some other cards offer.
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Card Details

More Card Info

  • 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • You’ve got the power to spend beyond your credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • Terms Apply.
Pros
  • No annual fee
  • High rewards rate
  • Simple cash back structure
Cons
  • Spending cap for 2% rewards
  • Requires good to excellent credit
  • Limited redemption options
Bottom Line

This is a good option for businesses looking to earn simple cash back rewards, but other cards may provide higher value for big spenders.

Best for Flat-Rate Cash Back (1.5%)

Capital One Quicksilver Cash Rewards Credit Card

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Up to 5% Reward Rate

Earn 1.5% cash back on all purchases and 5% back on travel booked through the Capital One Travel platform.

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Annual Fee
$0
Welcome Offer
$200
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The reward structure on credit cards can be confusing at times, but the Capital One Quicksilver Cash Rewards Credit Card keeps it simple. This card offers an unlimited 1.5% cash back on all purchases, plus an elevated rewards rate on eligible Capital One Travel purchases, so you can earn without even having to think about it.
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Card Details

More Card Info

  • 0% intro APR for 15 months on purchases and balance transfers, then 19.99%-29.99% variable APR
  • Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • No foreign transaction fees
Pros
  • No annual fee
  • No cap on cash back
  • Intro APR offer
Cons
  • Lower welcome bonus than some cards
  • Lower rewards rate than some cards with specific categories
  • Requires good or excellent credit
Bottom Line

This is a solid, straightforward cash-back card for people who don’t want to pay an annual fee or activate categories, but other cards may earn more.

Best for Flat-Rate Cash Back (2%)

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card
2% Reward Rate

Earn unlimited 2% cash back on all purchases

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Annual Fee
$0
Welcome Offer
$200
Regular APR
20.24%, 25.24%, or 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Wells Fargo Active Cash® Card offers high, unlimited, flat-rate cash-back rewards on all purchases, meaning there are no confusing categories to keep track of. It also comes with a slew of other benefits to sweeten the deal.
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Card Details

More Card Info

  • 0% intro APR on purchases and balance transfers for 15 months from account opening, then a variable APR of 20.24%, 25.24%, or 29.99%.
  • No categories to track, activate, or remember
  • 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.
Pros
  • Unlimited 2% back on all purchases
  • Intro APR offer
  • No annual fee
Cons
  • No bonus categories
  • Smaller welcome offer than some cards
  • Charges 3% in foreign transaction fees
Bottom Line

The lack of an annual fee coupled with high flat-rate rewards makes this card a valuable asset to any wallet.

Best for Bonus Categories

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card
Up to 5% Reward Rate

Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter. Earn 2% cash back on eligible purchases in your choice of one everyday category, and earn 1% cash back on all other eligible purchases.

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Annual Fee
$0
Welcome Offer
$200
Regular APR
19.49-29.74% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
For a card with no annual fee, the U.S. Bank Cash+® Visa Signature® Card offers generous cash-back potential in eligible bonus categories.
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Card Details

More Card Info

  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies, currently 19.49-29.74%.
  • Get your cash back as a statement credit, a rewards card or directly deposited into your U.S. Bank checking or savings account. Enjoy flexible options designed to fit your needs.
  • Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals.
Pros
  • Earns up to 5% back on eligible purchases
  • Generous welcome offer
  • Intro APR offer for eligible purchases and balance transfers
Cons
  • High regular APR after intro offer
  • Low earning rate of 1% cash back on regular spending
  • Charges 3% in foreign transaction fees
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Let's compare the best cash back cards of 2024

Advertiser Disclosure

Best cash back credit cards of 2024: Editorial reviews

Blue Cash Preferred® Card from American Express

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Best for Groceries & Gas
Few cards hold a candle to the Blue Cash Preferred® Card from American Express in terms of rewards on purchases in everyday categories. With 6% back on up to $6,000 per year at U.S. supermarkets and 3% back at U.S. gas stations, this card is perfect for families, personal chefs, people who drive a lot, and more.

Chase Freedom Unlimited®

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Best for Flexible Cash Back Rewards
If you’re in the market for a credit card that’s well-rounded enough to use for almost all of your purchases, the Chase Freedom Unlimited® might be exactly what you need. It offers a valuable combination of high cash-back rates in various categories, a long 0% APR offer, and a super generous sign-up bonus, all for no annual fee. Additionally, the rewards you earn are through Chase Ultimate Rewards®, meaning they’re extremely flexible to redeem.

Capital One SavorOne Cash Rewards Credit Card

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Best for Dining and Entertainment
The Capital One SavorOne Cash Rewards Credit Card is unmatched on a few fronts. Its most enticing benefit is that it offers cardholders 3% back on dining and entertainment, as well as 3% back at grocery stores, which can add up quickly. To sweeten the deal, it doesn’t have an annual fee so you don’t have to “make up for” a yearly cost.

Blue Cash Everyday® Card from American Express

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Best for Everyday Purchases
The Blue Cash Everyday® Card from American Express is like the slightly less exciting sibling of the Blue Cash Preferred, but with no annual fee. Its rewards rate is quite nice, with 3% back on up to $6,000 in everyday categories. Then it becomes a bit lackluster; after meeting the spending cap, the reward rate drops to 1% on everything.

American Express Blue Business Cash™ Card

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Best for Businesses - Flat-Rate Cash Back
The American Express Blue Business Cash™ Card is a no-frills Amex business card, offering 2% back on up to $50,000 in purchases per calendar year, then 1%. It’s an ideal choice for businesses whose purchases don’t tend to fall into specific categories, and it doesn’t have an annual fee to worry about either.

Capital One Quicksilver Cash Rewards Credit Card

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Best for Flat-Rate Cash Back (1.5%)
If you don’t like to keep track of spending categories, the Capital One Quicksilver Cash Rewards Credit Card may be just what you need. With unlimited 1.5% cash back on all purchases, as well as an upgraded rewards rate of 5% on eligible travel purchases, this card is pretty simple. The cash back you earn on it won’t expire for the life of your account, either, so you can keep racking it up until one day you realize you’ve accrued a small fortune.

Wells Fargo Active Cash® Card

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Best for Flat-Rate Cash Back (2%)
If you’re in the market for the simplest cash-back card, look no further than the Wells Fargo Active Cash® Card. It offers unlimited 2% back on all purchases, has no extra reward categories, and doesn’t have an annual fee. It may not be the highest-earning card out there but 2% on everything can add up pretty quickly.

U.S. Bank Cash+® Visa Signature® Card

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Best for Bonus Categories
The reward structure on this U.S. Bank credit card is a bit complicated, with bonus categories that need to be activated and tracked. If you are a well-organized cardholder, these categories can be highly beneficial, as they can earn you 5% cash back. However, if you forget to activate them, the sub-par 1% back on all purchases applies.

See More Cash-Back Credit Cards Compare cards side-by-side Credit Cards with Mouse Cursor COMPARE CARDS

What is a cash-back credit card?

Cash-back credit cards give you a small percentage back from purchases you make. The reward structure on these cards is simple; you pay with the card and the money back is credited to your account. 

For example, if you have the Blue Cash Preferred® Card from American Express which offers 6% back at U.S. supermarkets, and you spend $80 on groceries, you’ll get $4.80 back on that purchase.

It may not seem like much, but it can add up quickly.

Why do credit cards give cashback?

Credit cards give cash back as an incentive, encouraging users to spend more on certain products and services. As the card issuers earn fees and interest payments, it is in the interest of the issuer to encourage the user to use their credit card as often as possible.

How to redeem cash back

After making eligible purchases and successfully having them posted to your account, your rewards will likely be redeemable through the issuer’s website or mobile app.

Typically, you can redeem these rewards for a statement credit, you can have it mailed to you in the form of a check, or you can have it directly deposited into a bank account.

Some issuers also offer elevated redemption options, meaning you get more “bang for your buck” by redeeming your rewards in a certain way. 


Types of cash back credit cards

As you compare all the best cash-back credit cards, you’ll quickly notice that different types of cards exist.

While some cards aim to offer a higher rate of rewards on all your purchases, others offer bonus categories that help you maximize certain types of spending.

Types of cashback cards include the following:

Flat-rate rewards cards

Flat-rate cash back cards typically offer 1.5% to 2% back or more on everything you buy. These cards are perfect for people who don’t want to keep track of bonus categories.
Editor’s pick: Capital One Quicksilver Cash Rewards or Wells Fargo Active Cash

See our full comparison of Capital One SavorOne vs Quicksilver.

Cash back cards with bonus categories

The most popular cash-back card option, these cards usually offer a lower rate of rewards on day-to-day purchases, then make up for it by offering bonus points in specific categories. 
Editor’s pick: Blue Cash Preferred® Card from American Express or Chase Freedom Unlimited®

Rotating category cards

With these cards, you can earn extra money back (often 5%) within categories that change every 3 months. You typically have to activate these categories to get the higher rate.
Editor’s pick: Chase Freedom Flex℠

Customizable category cards

Some cards let you choose your preferred cash-back category each month. This can allow you to optimize your cash back based on your highest spending categories. Similarly, some cards will automatically calculate where you spend the most and will apply the bonus rate to your top eligible category every month.
Editor’s pick: Citi Custom Cash® Card

Membership-based cash-back cards

These cards offer generous cash-back rewards exclusively for members of a specific program (think Amazon Prime, Costco, Sam’s Club, etc.). These cards don’t tend to have annual fees but it usually costs money to be a part of the required program.
Editor’s pick: Prime Visa (Amazon Prime membership required)


Common cash-back bonus categories

Many cash-back cards offer elevated earnings in specific bonus categories. The most common categories include:

Supermarkets/Groceries: If a card has a bonus category of “supermarkets,” “grocery stores,” or “groceries,” they’re all referring to the same thing. This category applies to any purchase made at an eligible grocery store, meaning groceries, toiletries, cat food, household products, and more. Most of the time, superstores like Walmart and Target aren’t included, nor are warehouse clubs like Sam’s Club or Costco.

Restaurants/Dining: This category usually applies to anything from fine dining to Chinese takeout. Sometimes this category is only applicable in the U.S. and other times it can be used worldwide, so check your specific card’s benefits.

Entertainment: A few of the top cash-back credit cards offer rewards on eligible entertainment purchases, typically booked through the issuer’s portal.

Gas stations: Many cash-back cards offer rewards for purchases made at gas stations, which often include the actual gasoline and purchases made at the convenience store. Typically, these are only applicable at traditional gas stations like Wawa or BP, not store-affiliated stations like Walmart.

Travel: Some cash-back credit cards offer elevated cash back on eligible travel purchases, like flights and hotels, typically when booked through the issuer’s portal. 


How to compare cash-back credit cards

The best cash-back credit card for you is fully dependent on your spending habits and lifestyle. Choose a card that can give you the most benefit. 

Here are a few key factors to consider when picking a cash-back credit card:

Annual fee

A majority of cash-back credit cards have no annual fee, but some of the most lucrative ones do.

Think about how much money you’ll need to spend to recoup a card’s annual fee because the cash back you earn won’t technically be money in your pocket until that fee is “earned back.”

For example, the Blue Cash Preferred Card has a $95 annual fee after the first year. We will focus on the highest earning category, which offers 6% back on groceries and select streaming services. To offset the annual fee, you’d need to spend approximately $1,600 in those specific categories to earn enough cash back.

Would the amount you earn beyond that point justify getting this card over a no-annual-fee alternative like the Blue Cash Everyday Card?

Welcome offer

A welcome offer can be alluring when signing up for a new credit card. The reward can easily offset an annual fee or can give you a good chunk of change back on the purchases you made to earn it. Typically, these offers require spending a significant amount in a set period to earn.

While this can easily fit into some people’s regular spending habits, it can encourage overspending for other people. Consider your spending habits and whether you can realistically earn a card’s bonus.

Rewards

Consider a card’s cash-back categories and whether they fit into your lifestyle. Also, look at how rewards can be redeemed and whether the redemption options make sense for your situation/goals. 

APR

Some cards offer an introductory 0% APR period on purchases and/or balance transfers. Although we never recommend carrying a balance if you can avoid it, these cards can be beneficial if you need extra time to finance a large purchase or pay off a balance transfer before interest rates set in. If you tend to carry a balance, it is crucial to understand a card’s APR to know how much interest you may end up paying and how it will impact your cash back.


Pros & cons of cash-back credit cards

Pros
  • Cash is the most flexible reward type
  • Low or no annual fees
  • Sign-up bonuses are easier to earn
  • Simple rewards structure
Cons
  • Some have foreign transaction fees
  • Rewards are lower in value than points-earning cards
  • Not many additional perks
  • Many have earning caps, limiting the amount of cashback


How to maximize your cash back

If you’re planning to sign up for a cashback credit card, taking steps to maximize your rewards is a no-brainer.

The following tips can help you get the most bang for your buck without compromising your finances:

Is cash back better than points?

There’s no simple answer to which is best, as it depends on a user’s goal with their credit card. While points can have a higher redemption value than cash back, the rewards are often less flexible. Point-earning cards also usually have more perks but typically charge higher annual fees. 

If you’re looking for flexible, easy-to-earn rewards, cash back wins.

If you’re looking for high-value travel-related rewards, a points-based travel reward card may be more up your alley.


Alternatives to cash-back credit cards

How we selected the best cash-back credit cards

To find the best cash-back credit cards on the market today, we compared hundreds of the best credit cards based on their rewards rates, perks, money-saving benefits, and welcome offers.

Ultimately, we chose cards that offer considerable rewards on purchases and all-around value to consumers.

Cash back credit cards FAQ

Is cash back from a credit card taxable?

In most cases, no. The IRS considers cash back or rewards you’ve earned from a credit card to be a type of rebate or discount, not taxable income.

The only case where your credit card rewards may be considered taxable income is if you receive money without spending anything to earn it. For example, getting a sign-up bonus simply by opening an account, rather than as a reward for spending money.

Does cash back expire?

A majority of credit card cash back doesn’t expire, as long as your account is open, active, and in good standing. The policies regarding cash back expiration vary from issuer to issuer, so check what your specific card’s reward expiration policy is.

Do cash back credit cards offer contactless payment options?

Many cards in this niche offer contactless payment options. Make sure to check the advertising-supported page for each card you’re considering so you know for sure.

Are there any cash back credit cards for students?

Yes! Various student credit cards offer cash back rewards like the Capital One SavorOne Student Cash Rewards Credit Card and Capital One Quicksilver Student Cash Rewards Credit Card.

What is a credit card transaction fee?

A credit card transaction fee is a fee that is charged based on a specific occurrence. For example, you may be charged a foreign transaction fee if you use your credit card for purchases outside the United States.

Can I use a cash back credit card at Walmart?

You can use nearly any cash back credit card at Walmart (note, however, that many issuers don’t count Walmart as a grocery store). Furthermore, the retailer even has their own cash back credit card known as the Capital One® Walmart Rewards® Card.

Do any low-interest credit cards offer cash back?

Credit card interest rates vary dramatically from card to card, although most low-interest cards do not offer rewards. Interestingly, many cash back credit cards do offer 0% APR on purchases, balance transfers, or both for a limited time.

Are there any cash back credit cards for business use?

Yes! Multiple credit cards can help you get cash back on business-related purchases like the American Express Blue Business Cash™ Card.

Can I get a cash back card if I have bad credit or no credit history?

Most cash back credit cards require good to excellent credit to qualify, but some cards like the Capital One Quicksilver Secured Cash Rewards Credit Card offer decent cash back rewards for those who are rebuilding their credit.

Holly D. Johnson
Holly D. Johnson Finance Expert

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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