Best Cash-Back Credit Cards

Rack up rewards with these top cash-back cards.

With all the cash-back cards on the market, it can be tough to choose one. To make it easy for you to find the best cash-back rewards credit card, GOBankingRates identified 10 of the best, based on the following criteria:

  • APR
  • Introductory offers
  • Cash-back rewards
  • Additional credit card features

Review the following table for a comparison of the best cash-back rewards credit cards at a glance, then read about the details of each. Once you identify and choose the best rewards credit card with cash back, apply so you can start making money using your credit card.

 

Best Cash-Back Credit Cards
Cash-Back Credit CardAPRIntro OfferCash-Back RewardsWhere to Apply
ChaseChase Freedom Card0% first 15 months, then 16.24% to 24.99%$150 bonus after spending $500 on purchases in first 3 months
$25 bonus when you add first authorized user and make first purchase within 3 months
5% on up to $1,500 in combined purchase each quarter
1% on everything else
Learn More
American Express logo 2017Blue Cash Everyday Card From American Express National Bank0% first 15 months, then 14.49% to 25.49%$150 back in credit statement after spending $1,000 in first 3 months3% cash back at supermarkets for up to $6,000 per year
2% at gas stations and department stores
1% on everything else
Learn More
ChaseChase Freedom Unlimited Credit Card0% first 15 months, then 16.4% to 24.99%$150 bonus after spending $500 in first 3 months
$25 bonus when you add first authorized user and make first purchase within 3 months
1.5% unlimited cash back on every purchaseLearn More
bank of americaBank of America Cash Rewards Credit Card0% first 12 months, then 14.49% to 24.49%$150 bonus after making $500 in purchases in first 90 days
10% bonus for redeeming cash back into Bank of America checking or savings account
3% on gas
2% at grocery stores
1% on everything else
Learn More
ChaseChase Ink Business Cash Card0% first 12 months, then 14.49% to 20.49%$500 bonus after spending $3,000 in first 3 months5% cash back on the first $25,000 spent at office supply stores, cell phone service, landline service, internet service and cable TV service during each account anniversary year
2% on the first $25,000 spent in combined purchases at gas stations and restaurants during each account anniversary year
1% on everything else
Learn More
Capital One logoCapital One Spark Miles Select for Business0% first 9 months, then 14.49% to 22.49%20,000 bonus miles — equal to $200 in travel — after spending $3,000 in first 3 months1.5x miles on every purchaseLearn More
bank of americaSusan G. Komen Cash Rewards Visa0% first 12 months, then 14.49% to 24.49%$150 bonus when you spend $500 in the first 90 days
10% bonus for redeeming cash back into Bank of America checking or savings account
3% cash back on gas
2% at grocery stores for the first $2,500 combined purchases each quarter
1% cash back on everything else
Learn More
discoverDiscover it Cash Back Credit Card0% first 14 months, then 13.49% to 24.49%Cash-back match from Discover for the first year5% cash back in certain categories
1%  on everything else
Learn More
bank of americaMLB Cash Rewards Mastercard From Bank of America0% first 12 months, then 14.49% to 24.49%$150 bonus after making $500 in purchases in first 90 days3% cash back on gas and 2% at grocery stores for the first $2,500 combined purchases each quarter
1% on everything else
Learn More
discoverNHL Discover it Card0% first 14 months, then 13.49% to 24.49%Cash-back match from Discover for the first year5% cash back in certain categories
1% on everything else
Learn More

10 Best Credit Cards for Cash Back

Before committing to one of these cash-back credit cards, check out further details to find the right one for you. Note that none of these cards charge an annual fee. Here are the 10 best cash-back credit cards:

Chase Freedom Cash-Back Credit Card

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The Chase Freedom Visa credit card is one of the best credit cards for cash-back rewards. It offers attractive rewards and bonuses with no annual fee and 0% intro APR for 15 months on all purchases and balance transfers.

Cash back and bonuses:

  • No expiration for cash-back rewards
  • 5 percent cash back on up to $1,500 in combined purchases in bonus categories each quarter
  • Unlimited 1.5 percent cash back on everything else
  • $150 bonus after spending $500 on purchases in first three months
  • $25 bonus when you add your first authorized user and make your first purchase within three months

Pros:

  • No rewards expiration as long as the account is open
  • 0% APR on balance transfers during the promotional period
  • Zero liability protection and fraud monitoring alerts

Cons:

  • Bonuses for new customers only

Related: How Credit Card Balance Transfers Work

Blue Cash Everyday Card From American Express National Bank

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The Blue Cash Everyday Card From American Express National Bank is another one of the great rewards credit cards. Member perks include access to ticket presales for concerts and other events, return protection, extended warranties on eligible purchases and more.

Cash back and bonuses:

  • 3 percent cash back at supermarkets for up to $6,000 per year, then 1 percent
  • 2 percent cash back at gas stations and select department stores
  • 1 percent cash back on everything else
  • $150 back in a credit statement after spending $1,000 in your first three months
  • 0% APR for the first 15 months on balance transfers made within the first 60 days

Pros:

  • Travel accident insurance, car rental loss and damage insurance and access to the road assistance hotline

Cons:

  • Cash back provided as Reward Dollars that can be redeemed as statement credits or for gift cards and merchandise

Chase Freedom Unlimited Credit Card

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New customers can earn a $150 bonus after spending $500 on purchases within the first three months, plus a $25 bonus after adding an authorized user and making a purchase within three months. The card also offers purchase protection and zero liability protection.

Cash back and bonuses:

  • Unlimited 1.5 percent cash back on every purchase
  • $150 new cardmember bonus after spending $500 within first three months
  • $25 new cardmember bonus after adding first authorized user and making first purchase within three months

Pros:

  • Cash-back redemption for any amount
  • Introductory 0% APR on purchases and balance transfers

Cons:

  • Bonuses for new customers only

Bank of America Cash Rewards Credit Card

180410_GBR_Best_CashBack_CreditCards_500x315_Bank-of-America-Cash-Rewards-Credit-Card

Cardholders can earn up to 3 percent cash back on purchases made with this card. Unlike the cash-back credit cards on this list that aren’t from Bank of America, this card provides extra perks for customers who also have BofA bank accounts, and provides an incentive to save the cash-back rewards.

Cash back and bonuses:

  • 1 percent cash back on every purchase
  • 2 percent cash back at grocery stores
  • 3 percent cash back on gas
  • $150 cash rewards bonus after making $500 in purchases in first 90 days

Pros:

  • No revolving categories for rewards and rewards don’t expire
  • 10 percent customer bonus for redeeming cash back into Bank of America checking or savings account

Cons:

  • Must be a Bank of America Preferred Rewards client to earn bonuses of 25 percent or more

Chase Ink Business Cash Card

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For spenders who anticipate making business purchases at office supply stores and paying for other business costs, the Chase Ink Business Cash Card is a good option.  You’ll earn a minimum of 1 percent cash back on all purchases.

Cash back and bonuses:

  • 5 percent cash back on the first $25,000 spent at office supply stores and other business expenses
  • 2 percent cash back on the first $25,000 in combined purchases at gas stations and restaurants
  • 1 percent cash back on everything else
  • $500 bonus after spending $3,000 in first three months

Pros:

  • No expiration of points as long as the account is open
  • Rewards redemption for cash, gift cards and travel
  • Free employee cards

Cons:

  • Lose points if account status changes

Capital One Spark Miles Select for Business

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You’ll earn unlimited 1.5x miles on every business-related purchase with this card, plus a bonus of 20,000 miles — equal to $200 in travel — after spending $3,000 in the first three months. Redeem rewards for everything from airline tickets to hotel stays, and you won’t pay any foreign transaction fees.

Cash back and bonuses:

  • Unlimited 1.5x miles on every business purchase
  • 20,000 bonus miles — equal to $200 in travel — after spending $3,000 in first three months

Pros:

  • Free employee cards
  • No rewards expiration
  • $0 fraud liability with real-time alerts

Cons:

  • Card designed for excellent-credit business owners

Related: 7 Ways to Capitalize on Your Small-Business Credit Card Benefits

Susan G. Komen Cash Rewards Visa From Bank of America

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Use this cash-back credit card from Bank of America and you’ll be supporting the fight against breast cancer.  The Susan G. Komen foundation gets $3 and 0.08 percent of all your retail purchases for the first 90 days of account opening. Plus, Bank of America account holders get extra incentives for redeeming their money into their accounts.

Cash back and bonuses:

  • 3 percent cash back on gas and 2 percent at grocery stores for the first $2,500 combined purchases each quarter
  • 1 percent cash back on everything else
  • 10 percent customer bonus for redeeming cash back to a Bank of America checking or savings account
  • $150 bonus for spending $500 in the first 90 days

Pros:

  • 0% APR on balance transfers made within first 60 days

Cons: 

  • Up to 29.99% APR for late payments

Discover it Cash Back Card

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With this card, you’ll get 5 percent cash back on categories that change each quarter and 1 percent cash back on everything else. Discover will match all the cash-back rewards you earned in the first year. You can freeze your account online or from a mobile app.

Cash back and bonuses:

  • 5 percent cash back in certain categories
  • 1 percent cash back on all other purchases
  • Cash-back match from Discover for the first year

Pros:

  • No expiration of cash back
  • Free overnight shipping for replacement cards

Cons:

  • Changing categories every quarter

MLB Cash Rewards Mastercard From Bank of America

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The MLB Cash Rewards Mastercard offers plenty of rewards, including up to 3 percent cash back on purchases plus a bonus after 90 days. Bank of America customers can earn additional rewards when they redeem cash into their checking or savings accounts. Bank of America Preferred Rewards clients earn bonuses of 25 percent or more.

Cash back and bonuses:

  • 3 percent cash back on gas and 2 percent at grocery stores for the first $2,500 combined purchases each quarter
  • 1 percent cash back on all other purchases
  • $150 cash rewards bonus after making $500 in purchases in first 90 days
  • 10 percent customer bonus for Bank of America customers who redeem cash into a Bank of America account
  • 0% APR on any balance transfers made within 60 days of opening your account

Pros:

  • Cards available for any MLB team

Cons: 

  • Fees for cash advances and foreign transactions
  • Only Preferred Rewards clients eligible for bonuses of 25 percent or more

NHL Discover it Card

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Your NHL Discover it Card rewards will never expire, and you can use them on Amazon. Plus, you can take 10 percent off all purchases from the online NHL store.

Cash back and bonuses:

  • 5 percent cash back in certain categories
  • 1 percent cash back on all other purchases
  • Automatic cash-back match at the end of the first year for new cardmembers
  • 0% APR on balance transfers made within the first 14 months

Pros:

  • No expiration for rewards
  • 10 percent off all purchases at Shop.NHL.com

Cons:

  • Changing rewards categories
  • Cash-back match for new cardmembers only

Next Up: 15 Best Debit Card Rewards Programs

Methodology: GOBankingRates.com identified the best cash-back rewards credit cards by analyzing annual APRs, rewards, introductory offers and features. All fees and rates are subject to change at the credit card issuers’ discretion. And, some bonus offers may or might no longer be available on the credit card issuers’ websites, depending on how you access the web page.

This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by the companies reviewed here.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.