Best Cash-Back Credit Cards of 2019

These cards offer the best cash-back rewards available.

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’s 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. If you’re looking for the best cash-back rewards card, consider one of these rewards credit cards to match your lifestyle.

Best Cash-Back Credit Cards of 2019
Cash-Back Credit CardAnnual FeeAPRCash-Back RewardsWebsite
Chase Freedom$00% APR for first 15 months, then 17.24% to 25.99% thereafter
  • 1% to 5% cash back on purchases
  • $150 bonus after spending $500 on purchases in the first three months
Learn more
American Express Blue Cash Everyday Card$00% APR for first 15 months, then 15.24% to 26.24% thereafter
  • 3% cash back on the first $6,000 you spend at U.S. supermarkets each year
  • 2% cash back at U.S. gas stations and select department stores
  • 1% cash back on all other purchases
  • $150 bonus after spending $1,000 in purchases in the first three months
Learn more
Discover it Cash Back$00% APR for first 14 months, then 14.24% to 25.24% thereafter
  • 1% to 5% cash back in rotating categories
  • Dollar-for-dollar cash-back match at the end of the first year
Learn more
Capital One SavorOne Rewards$00% APR for first 15 months, then 16.24% to 26.24% thereafter
  • 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
Learn more
American Express Blue Cash Preferred Card$950% APR for first 12 months, then 15.24% to 26.24% thereafter
  • 6% cash back on the first $6,000 you spend at U.S. supermarkets each year
  • 3% cash back at U.S. gas stations
  • 1% cash back on everything else
  • $200 cash back when you spend $1,000 in your first three months
Learn more
Capital One Quicksilver Rewards$00% APR for first 15 months, then 16.24% to 26.24% thereafter
  • Unlimited 1.5% cash back on every purchase
  • $150 cash back bonus after spending $500 in the first three months
Learn more
Capital One Savor Rewards$9516.74% to 25.74% APR
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on everything else
  • $300 bonus when you spend $3,000 in the first three months
Learn more
Discover it Chrome$00% APR for first 14 months, then 14.24% to 25.24% thereafter
  • 1% to 2% cash back on eligible purchases
  • Dollar-for-dollar cash-back match at the end of the first year
Learn more
TD Cash Credit Card$015.24%, 20.24% or 25.24% 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 the first 90 days
Learn more
U.S. Bank Cash+ Visa Signature Card$016.24% to 25.74% APR
  • 5% cash back on the first $2,000 in combined net purchases a quarter in two categories
  • 2% cash back in the everyday category
  • 1% cash back on everything else
  • $150 bonus when you spend $500 in the first 90 days
Learn more
Citi Double Cash Card$015.74% to 25.74% APR
  • Unlimited 1% cash back on every purchase
  • Additional 1% cash back on payments
Learn more
Rates depend on creditworthiness and are accurate as of March 11, 2019.

Chase Freedom

The Chase Freedom cash-back credit card has no annual fee and offers an introductory annual percentage rate of 0 percent on all purchases and balance transfers. You’ll earn 5 percent cash back in select categories each quarter and 1 percent cash back on all other purchases. Security features on this card include zero liability protection and fraud monitoring alerts.

Best For: People who will actively 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 the 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 cardholders do not qualify for bonuses

Compare: Which Chase Credit Card Should You Apply For?

American Express Blue Cash Everyday Card

The Blue Cash Everyday Card from American Express offers several tiers of cash-back rewards as well as an opportunity for a cash bonus. New cardholders get access to ticket presales for concerts and other events, return protection, extended warranties on eligible purchases and more.

Best For: Those who want to use the same card for everyday purchases

Cash Back and Bonuses:

  • 3 percent cash back at U.S. supermarkets on up to $6,000 in purchases each year
  • 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 $150 cash back when you spend $1,000 in the first three months

American Express Blue Cash Everyday Card Pros:

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

American Express Blue Cash Everyday Card Cons:

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

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

Discover it Cash Back

The Discover it Cash Back credit card boasts 5 percent cash back on certain categories that change each quarter and 1 percent cash back on all other purchases. These rewards make it one of the best credit cards with no annual fee. However, to take advantage of the larger rewards, you’ll 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 by going online.

Best For: People who are looking for big rewards and don’t mind 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 cardholders

Discover it Cash Back Pros:

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

Discover it Cash Back Cons:

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

Which Is Right for Your Wallet? Best Discover Credit Cards

Capital One SavorOne Rewards

If you’re looking for a credit card to use for all your restaurant meals and concert tickets, the Capital One SavorOne Rewards card might be suitable for your needs. You’ll 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 introductory rate of 0% APR on purchases and balance transfers, as well as no annual fee.

Best For: Those who dine out and make entertainment purchases 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 a $150 cash bonus when you spend $500 in the first three months

Capital One SavorOne Rewards 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 Rewards Cons:

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

Related: Best 0% APR Credit Cards

American Express Blue Cash Preferred Card

The American Express Blue Cash Preferred Card offers big rewards: up to 6 percent cash back at places where you probably shop frequently, such as supermarkets, gas stations and department stores. However, the cash back can only be redeemed in the form of a statement credit — you won’t receive a check in the mail.

Best For: People who want to use their cash back to pay down their credit card bill

Cash Back and Bonuses:

  • 6 percent cash back at supermarkets on up to $6,000 in purchases each year
  • 3 percent cash back at U.S. gas stations and select department stores
  • 1 percent cash back on everything else
  • $200 cash back when you spend $1,000 in your first three months

American Express Blue Cash Preferred Card Pros:

  • The higher cash rewards rate is automatic — there’s no need to opt-in
  • Purchases by authorized users earn cash back for you

American Express Blue Cash Preferred Card Cons:

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

Save at the Supermarket: Best Credit Cards for Groceries

Capital One Quicksilver Rewards

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 within the first three months. Your rewards never expire, and you can redeem them in any amount at any time.

Best For: Those who want a card to use everywhere without worrying about rewards categories

Cash Back and Bonuses:

  • Unlimited 1.5 percent cash back on every purchase
  • $150 cash rewards bonus when you spend $500 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

Is Your Credit Score Under 700? Best Cash-Back Credit Cards for Fair Credit

Capital One Savor Rewards

The Capital One Savor Rewards card offers a slightly higher rewards rate than its sibling, the Capital One SavorOne Rewards card, but it also has an annual fee. To decide which Capital One credit card is best for you, consider how much you would need to spend in order to offset that fee. If you’re a big spender in dining, entertainment and groceries, it might be worthwhile to get the Capital One Savor Rewards 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
  • $300 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 in any amount at any time

Capital One Savor Rewards Cons:

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

From Travel Rewards to NFL Tickets: Best Credit Card Offers, Deals and Signup Bonuses

Discover it Chrome

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

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

Cash Back and Bonuses:

  • 2 percent cash back on gas and 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 cardholders

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

Great Offers: Best Balance-Transfer Credit Cards

TD Cash Credit Card

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

Best For: People who want to earn bonus cash back quickly and easily

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 the first 90 days

TD Cash Credit Card Pros: 

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

TD Cash Credit Card Cons: 

  • No introductory APR on purchases

Looking for Different Rewards? Best Travel Credit Cards

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 within two categories each quarter, 2 percent cash back on your choice of one everyday category and 1 percent cash back on everything else. You have to remember to choose your categories every quarter — otherwise, you’ll get 1 percent cash back on everything.

Best For: Those who will remember to select their categories each quarter to earn the highest rewards

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+ Visa Signature Card Pros:

  • $150 bonus when you spend $500 in the first 90 days
  • 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+ Visa Signature Card Cons: 

  • No intro APR on purchases
  • If you don’t choose your categories each quarter, you’ll get 1 percent cash back on everything

Compare and Contrast: Best US Bank 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 on your credit card statement. However, you won’t get cash back when you pay interest or fees. There’s no limit on the total amount of cash back you can earn.

Best For: Those who need a little extra incentive to make credit card 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

Click through to find the best store credit cards.

More on Credit Card Rewards

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Methodology: GOBankingRates assessed information about cash-back rewards credit cards, including sourcing information from the credit card and financial institution provider websites. To create this list of the best cash-back rewards credit cards of 2019, GOBankingRates considered the following factors: (1) annual fee to maintain the credit card account, (2) introductory APR, (3) purchase APR, (4) bonuses received within 90 days or after the first year, (5) rewards rate and (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.

About the Author

Karen Doyle is a personal finance writer with over 20 years’ experience writing about investments, money management and financial planning. Her work has appeared on numerous news and finance
websites including GOBankingRates, Yahoo! Finance, MSN, USA Today, CNBC, Equifax.com, and more.