Best Cash-Back Credit Cards

What is the best cash back credit card? Take a look at these.

Cash-back credit cards can be a big budget booster. You get a percentage of each purchase back from the card issuer, which you can then apply to your card balance or take in cash.

There is a dizzying array of cash-back credit cards available. Some offer a flat rate of cash back on everything; others offer more cash back on certain categories of spending, like restaurants or travel. Finding the best one for your needs can be daunting, so if you’re wondering what the best cash-back rewards card is, consider one of these best rewards cards.

These are the best cash-back credit cards of 2018:

See a detailed table comparing the features and costs of each card.

Chase Freedom Card

The Chase Freedom cash-back credit card has no annual fee and a 0% intro APR for 15 months on all purchases and balance transfers. Learn about the best balance transfer credit cards. You will earn 5 percent cash back in select categories each quarter and 1 percent cash back on all other purchases. Zero liability protection and fraud monitoring alerts are security features of this card.

Best For: Those who will track the changing cash-back categories each quarter

Cash Back and Bonuses:

  • Earn cash back on specific categories
  • 5 percent cash back on up to $1,500 in combined purchases in different bonus categories each quarter
  • Unlimited 1 percent cash back on all other purchases
  • $150 bonus after you spend $500 on purchases in first three months

Chase Freedom Pros:

  • Points never expire as long as you maintain your account
  • 0% APR on balance transfers for the first 15 months

Chase Freedom Cons:

  • You lose your rewards points if your account status changes
  • Previous cardmembers do not qualify for bonuses

Learn More: Read a Detailed Review of the Chase Freedom Card

American Express Blue Cash Everyday Card

The Blue Cash Everyday Card from American Express offers several tiers of cash-back rewards and an opportunity for a cash bonus. New cardmembers also get access to ticket pre-sales for concerts and other events, return protection, extended warranties on eligible purchases and more. Find out the best credit cards for good credit.

Best For: Those who use the card for everyday purchases

Cash Back and Bonuses:

  • 3 percent cash back at U.S. supermarkets
  • 2 percent cash back at U.S. gas stations
  • 2 percent cash back at select U.S. department stores
  • 1 percent cash back on everything else
  • Earn $200 cash back when you spend $1,000 in the first three months

Blue Cash Everyday Pros:

  • Keep tabs on your Reward Dollar balance with easy online account access
  • Accumulate rewards faster by adding authorized users

Blue Cash Everyday Cons:

  • Cash back is available in the form of statement credits only

Compare: Which American Express Credit Card Is Right for You?

Discover it Cash Back Card

The Discover it Cash Back Card boasts some of the biggest rewards with 5 percent cash back on certain categories that change each quarter and 1 percent cash back on all other purchases. This makes it one of the best cash-back credit cards with no annual fee. To take advantage of the larger rewards, you need to opt in each quarter. Discover will also match all the cash-back rewards you earn in the first year. This card allows you to freeze your account easily using a mobile app or online.

Best For: Those looking for big rewards in alternating categories

Cash Back and Bonuses:

  • 5 percent cash back on certain categories that change each quarter
  • 1 percent cash back on all other purchases
  • Discover matches all cash back in the first year for new cardmembers

Discover it Pros:

  • No annual fee
  • Cash back never expires
  • Redeem cash back in any amount at any time

Discover it Cons:

  • The categories that pay 5 percent cash back change every quarter
  • You need to opt in each quarter to get the higher rewards

Get the Review: Learn Even More About the Discover it Card

Capital One SavorOne Rewards Card

If you’re looking for a credit card to pay for all those restaurant meals and concert tickets, this is the one. You get 3 percent cash back on all of your dining and entertainment purchases, with no limit and no need to opt in. There’s a 15-month intro rate of 0% APR on purchases and balance transfers, and no annual fee. Learn about the best 0% APR credit cards.

Best For: Those who dine out frequently

Cash Back and Bonuses:

  • 3 percent cash back on dining and entertainment
  • 2 percent cash back at grocery stores
  • 1 percent cash back on everything else
  • Get $150 cash bonus when you spend $500 in the first three months

Capital One SavorOne Pros:

  • Earn unlimited cash back
  • No annual fee
  • No interest on purchases or balance transfers for the first 15 months
  • You can redeem rewards automatically, on a certain date or when a threshold is reached

Capital One SavorOne Cons:

  • You can get higher rewards with the CapitalOne Savor Rewards card

American Express Blue Cash Preferred Card

The American Express Blue Cash Preferred Card offers big rewards — up to 6 percent cash back at the places you probably shop most, like supermarkets, gas stations and department stores. But the cash back can only be redeemed in the form of a statement credit. Amex won’t send you a check.

Best For: Those who use their cash back to pay down their bill

Cash Back and Bonuses:

  • 6 percent cash back at supermarkets on up to $6,000 in purchases per year
  • 3 percent cash back at U.S. gas stations and select department stores
  • 1 percent cash back on everything else
  • $250 cash back when you spend $1,000 in your first three months

Blue Cash Preferred Pros:

  • Higher cash rewards rate is automatic — no need to opt in
  • Purchases by authorized users earn cash back for you

Blue Cash Preferred Cons:

  • $95 annual fee
  • Cash back can only be redeemed as a statement credit

Related: The One Credit Card Debt I Don’t Pay in Full

Capital One Quicksilver Rewards Credit Card

The Capital One Quicksilver Rewards credit card offers unlimited 1.5 percent cash back on all purchases. There are no changing categories, and you’ll earn a $150 cash rewards bonus after making at least $500 in purchases in the first three months. Your rewards never expire, and you can redeem any amount at any time.

Best For: Those who want a card to use everywhere, not just in certain types of stores

Cash Back and Bonuses:

  • Unlimited 1.5 percent cash back on every purchase
  • $150 cash rewards bonus when you spend $500 in purchases in the first three months

Capital One Quicksilver Rewards Pros:

  • No rotating categories
  • $0 fraud liability
  • Security alerts

Capital One Quicksilver Rewards Cons:

  • To get approved, you need excellent credit

Capital One Savor Rewards Card

The Capital One Savor Rewards card offers slightly higher rewards than its sibling, the Capital One SavorOne Rewards card, but it also has an annual fee. To decide which one is best for you, consider how much you would need to spend in order to offset that fee. (This is a good calculation to do to decide if it is worth it to get a cash-back credit card at all.) If you’re a big spender in these categories, this is the card for you. Remember, there are some things you should never put on a credit card.

Best For: Those who spend a lot on dining, entertainment and groceries

Cash Back and Bonuses:

  • 4 percent cash back on dining and entertainment
  • 2 percent cash back at grocery stores
  • 1 percent cash back on everything else
  • $500 bonus when you spend $3,000 in the first three months

Capital One Savor Rewards Pros:

  • No changing categories
  • Cash back never expires
  • Redeem cash back any time, in any amount

Capital One Savor Rewards Cons:

  • $95 annual fee after the first year
  • No introductory APR

Discover it Chrome Card

The Discover it Chrome Card, like all Discover cash-back cards, matches all the cash back you earn in your first year.  You also earn 2 percent cash back on gas and at restaurants on up to $1,000 in combined purchases every quarter, and 1 percent cash back on all other purchases.

Best For: Those who expect to spend a lot on the card, especially in the first year

Cash Back and Bonuses:

  • 2 percent cash back on gas and at restaurants on up to $1,000 in combined purchases each quarter
  • 1 percent cash back on all other purchases
  • Automatic cash back match at the end of the first year for new cardmembers

Discover it Chrome Pros: 

  • Cash-back rewards never expire
  • No late fee for your first late payment.

Discover it Chrome Cons: 

  • Fees for balance transfers and cash advances.

TD Cash Visa Credit Card

The TD Cash Visa Credit Card offers 3 percent cash back on dining, 2 percent cash back at grocery stores and 1 percent cash back everything else. Plus, you’ll earn $200 cash back after spending just $500 within the first 90 days of opening your account.

Best For: Bonus cash back for purchases in the first 90 days

Cash Back and Bonuses:

  • 3 percent cash back on dining
  • 2 percent cash back at grocery stores
  • 1 percent cash back on all other eligible purchases
  • $200 cash back after spending $500 within first 90 days

TD Cash Pros: 

  • No cash-back categories
  • 0% intro APR on balance transfers during the first 12 billing cycles

TD Cash Cons: 

  • No introductory APR

Before You Apply: 7 Screening Methods Credit Card Companies Are Using

U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ Visa Signature Card lets you earn 5 percent cash back on the first $2,000 in combined net purchases every quarter in two categories, 2 percent cash back on your choice of one “everyday” category and 1 percent cash back on everything else. You have to choose your categories every quarter or you will get 1 percent cash back on everything.

Best For: Those who will opt into categories each quarter

Cash Back and Bonuses:

  • 5 percent cash back on first $2,000 in combined net purchases every quarter in two categories of your choice
  • 2 percent cash back on a choice of one everyday category
  • 1 percent cash back on everything else

U.S. Bank Cash+ Pros:

  • No limit on the total amount of cash back you can earn
  • 0% intro APR on balance transfers for the first 12 billing cycles
  • No annual fee

U.S. Bank Cash+ Cons: 

  • No intro APR on purchases
  • No bonus cash back for purchases made in the first three months
  • If you don’t choose your categories each quarter, you get 1 percent cash back on everything

Related: These Are the Best Travel Credit Cards

Citi Double Cash Card

The Citi Double Cash Card offers unlimited 1 percent cash back on all purchases and an additional 1 percent cash back when you pay for those purchases. You don’t get cash back on interest or fees when you pay them. There is no limit on the total amount of cash back you can earn.

Best For: Those who need a little extra incentive to make those payments

Cash Back and Bonuses:

  • Unlimited 1 percent cash back on every purchase you make
  • Additional 1 percent cash back on payments made to the card

Pros: 

  • No limit on the total amount of cash back you can earn.
  • No annual fee
  • 0% intro APR on balance transfers for 18 months.

Cons: 

  • No intro APR on purchases.
  • No cash-back bonus for purchases in the first three months

Up Next: These Are the Best Credit Card Offers

The Best Cash-Back Credit Cards You Can Sign Up for Now
Cash-Back Credit CardAnnual FeeAPRCash-Back Rewards
Chase Freedom Card$00% APR for first 15 months, then starts at 16.74%
  • 1%-5% cash back on purchases
  • $150 bonus after spending $500 on purchases in first three months
American Express Blue Cash Everyday Card$00% for 15 months, then starts at 14.74%
  • 3% cash back at U.S. supermarkets
  • 2% cash back at U.S. gas stations and select department stores
  • 1% cash back on all other purchases
  • $200 bonus after spending $1,000 in purchases in first three months
Discover it Cash Back Credit$00% APR for first 14 months, then starts at 13.74%
  • 1%-5% cash back in rotating categories
  • Dollar-for-dollar cash back match at the end of the first year
Capital One SavorOne Rewards Card $00% APR for first 15 months, then starts at 14.74%
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on everything else
  • Get $150 cash bonus when you spend $500 in the first three months
American Express Blue Cash Preferred Card $95 0% APR for first 12 months, then starts at 14.74%
  • 6% cash back at supermarkets on up to $6,000 in purchases per year
  • 3% cash back at U.S. gas stations and select department stores
  • 1% cash back on everything else
  • $250 cash back when you spend $1,000 in your first three months
Capital One Quicksilver Rewards Credit Card$00% APR until for 15 months, then starts at 14.74%
  • Unlimited 1.5% cash back on every purchase
  • $150 cash back bonus after spending $500 in the first three months
Capital One Savor Rewards Card$95 Starts at 16.24%
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on everything else
  • $500 bonus when you spend $3,000 in the first three months
Discover it Chrome Card$00% APR for first 14 months, then starts at 13.74%
  • 1%-2% cash back on eligible purchases
  • Dollar-for-dollar cash back match at the end of the first year
TD Cash Visa Credit Card$0Starts at 14.74% APR
  • 3% cash back on dining
  • 2% cash back at grocery stores
  • 1% cash back on all other eligible purchases
  • $200 cash back after spending $500 within first 90 days
U.S. Bank Cash+ Visa Signature Card$0Starts at 14.99% APR
  • 5% cash back on first $2,000 in combined net purchases/quarter on two categories
  • 2% cash back in the everyday category
  • 1% cash back on everything else
Citi Double Cash Card$0Starts at 15.24% APR
  • Unlimited 1% cash back on every purchase
  • Additional 1% cash back on payments

More on Credit Card Rewards

Methodology: GOBankingRates assessed information about cash-back rewards credit cards, including sourcing information from the credit card and financial institution provider websites as of Aug. 22, 2018. To comprise this list of the best cash-back rewards credit cards of 2018, GOBankingRates considered the following factors: (1) annual fee to maintain the credit card account; (2) introductory APR; (3) purchases APR; (4) bonuses received within 90 days or after the first year; (5) rewards rate; (6) additional features. 

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.

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.