A cash-back credit card awards you cash — or a cash-like reward — for every dollar charged to the card. Some cash-back credit cards offer a fixed amount rewarded back across all purchase categories, such as in the example above, while others award different percentages back in the form of rewards on various types of spending, such as dining or groceries.

Earned cash back is often awarded in the form of a statement credit. However, it may also be available for deposit into your bank account or via a check. The simplest cash-back credit cards are the ones that earn the same percentage of cash back on all purchases.

This flat rate is often 1. Many cash-back credit cards offer different amounts of cash back on various categories or purchases.

For example, the bonus categories in the first quarter of the year might be restaurants and streaming services before switching to grocery stores and Amazon purchases in the second quarter of the year. In some cases, you have to remember to activate the bonus categories each quarter in order to be eligible for the increased earnings.

There is typically a cap on how much you can earn in cash back on those rotating categories per quarter. There are some cash-back credit cards that put the cardholder in the driver seat and let them choose the categories that earn bonus cash back.

With some of these cards, you make the selections yourself. One of the largest cash back credit card mistakes is not selecting the right category to earn the most on your spending. Others automatically give bonus cash back in the eligible category you spent the most in within a billing cycle.

While most cash-back credit cards are available to anyone who meets their approval requirements, a few deem it necessary to have a specific membership in order to be a cardholder. This may include having a membership to a warehouse store, a specific bank or credit union, or another entity.

Some stores will offer a co-branded store card with an elevated cash back rate. Choosing between a credit card or store card will mostly be dictated by your spending but we generally recommend a general cash back card over a co-branded store card.

Many banks like Chase and Capital One have online shopping sites for their cardholders. These sites link out to hundreds of online retailers, such as Home Depot, Gap, Apple and Target.

This is most common with cards that have rotating bonus categories or the option to select your own bonus categories. Should you frequently find yourself paying interest on your rewards credit card purchases, know that you are likely paying more for the rewards and cash back than they are worth.

The cash back vs points debate is a common credit card contention. Some credit cards reward you with airline miles, hotel points or flexible travel points that can be used in different ways to book that next trip.

Sometimes, the points earned by those cards are worth a fixed value 1 cent per point, for example. In other cases, the value of the points may vary based on how you use them. However, with cash-back credit cards, you are earning a cash equivalent reward. The benefit of this is that you can have more flexibility when it comes to using the rewards.

Know, though, that whether a cash-back credit card is the absolute best option for you ultimately depends on your spending patterns and the goals you have for your credit card rewards. When you charge a purchase to your cash-back credit card, you earn rewards based on the percentage of cash back your card awards in that purchase category.

You are then able to cash out your rewards via options such as a statement credit, a check, a deposit in your checking account, etc. They want you to use them frequently so they can make money off of interchange fees charged to the retailers and potential interest fees.

Having the card provide you a reward for using it in the form of cash back is a way for the card issuer to encourage you to select that card over the others in your wallet when it comes time to make a purchase.

The one that will result in the most cash back for you depends on your spending patterns and what other cards you already have in your wallet. Typically, cash-back rewards do not expire as long as your card remains open and in good standing. However, you should check the terms and conditions of your specific cash-back card to know the circumstances under which your cash-back rewards could expire or otherwise be forfeited.

While you should always consult an accountant for specific tax advice, rewards earned from purchases on your credit cards usually are not taxable, as they are considered purchase rebates.

That said, if you get cash back from something other than a purchase such as for referring a friend to the card , that may be considered taxable. Essentially, yes. No one from the bank is likely to walk up and hand you some crisp bills after using your cash-back credit card, but you will earn cash back in the form of a statement credit, a deposit in your bank account, a check or another method.

Skip to content. Advertiser disclosure. Credit Cards. By Summer Hull. Summer Hull Director of Content. Summer Hull has been covering and using travel tips, rewards credit cards and loyalty programs for over a decade.

She has flown close to a million miles, often on points and miles and with her family in tow. and Christina Ly. Christina Ly Credit Cards Writer. Christina Ly is a writer at TPG.

She has covered credit cards and personal finance topics since joining the team in Edited by Madison Blancaflor. Madison Blancaflor Senior Editor, Content Operations. Madison Blancaflor is the senior content operations editor at TPG. She focuses on helping TPG's broader editorial team bring news, features and advice to readers.

She has nearly six years of experience covering the credit cards and travel industries. Reviewed by Stanley Sanford. Stanley Sanford Senior Compliance Associate.

Senior compliance associate Stanley Sanford has years of compliance experience in the credit card industry dating back to He's reviewed content for several reputable sites, including CreditCards.

com, Bankrate, CNET. and even thepointsguy. com before leading the compliance team for The Points Guy full time in early Updated Feb. At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most.

While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content , points valuations and card analysis are entirely our own.

Blue Cash Preferred® Card from American Express : Best for gas and supermarkets. Wells Fargo Active Cash® Card : Best for simple cash-back. Ink Business Unlimited® Credit Card : Best for freelancers. Citi Custom Cash® Card : Best for flexibility. Capital One Spark Cash Plus : Best for business card with unlimited cash back.

Citi Double Cash® Card : Best for balance transfers. Chase Freedom Unlimited® : Best for bonus categories. Capital One Quicksilver Cash Rewards Credit Card : Best for flat-rate cash back. Capital One SavorOne Cash Rewards Credit Card : Best for entertainment cash back.

Ink Business Cash® Credit Card : Best for small businesses. Blue Cash Everyday® Card from American Express : Best for beginner cash back. Browse by card categories Best. No Annual Fee. BEST FOR GROCERIES AT U. Best for gas and supermarkets.

Blue Cash Preferred® Card from American Express. Compare this card. Apply now. at American Express's secure site. Annual Fee. Regular APR. Recommended Credit Open Credit score description Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. VIEW MORE. Pros This card has one of the best earning structures out for among cash-back credit cards.

The card comes with access to Amex Offers activation required , which can save you even more money on specific purchases. supermarket bonus category, which may not work for those with large grocery budgets.

Plans created after that will have a monthly plan fee up to 1. After that, your APR will be a variable APR of Variable APRs will not exceed streaming subscriptions.

Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon. com with your Blue Cash Preferred® Card.

Enrollment required. Terms Apply. Best for simple cash-back. Wells Fargo Active Cash® Card. at Wells Fargo's secure site. Other cash rewards cards can offer better welcome bonuses.

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. No categories to track or remember and cash rewards don't expire as long as your account remains open. Ink Business Unlimited® Credit Card. at Chase's secure site.

Rewards rate 1. Pros No annual fee. Cons High spend to receive sign-up bonus. No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred. Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

Round-the-clock monitoring for unusual credit card purchases With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. Citi Custom Cash® Card. at Citi's secure site. Pros Choice of bonus category.

No annual fee. Cons Cap on bonus earning. Foreign transaction fees. After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

No Annual Fee Citi will only issue one Citi Custom Cash® Card account per person. Limited Time Offer. Best for business card with unlimited cash back. Capital One Spark Cash Plus.

at Capital One's secure site. No foreign transaction fees. Best for balance transfers. Citi Double Cash® Card. To earn cash back, pay at least the minimum due on time. Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.

After that, the variable APR of Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month. Best for bonus categories. Chase Freedom Unlimited®. Intro Offer Open Intro bonus Earn an extra 1.

That's 6. Why We Chose It The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1. Pros At least 1. There is no annual fee - Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons There is a foreign transaction fee so the card shouldn't be used abroad. Limited card perks and benefits. INTRO OFFER: Earn an additional 1.

Enjoy 6. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

No annual fee — You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Member FDIC. Best for flat-rate cash back. Capital One Quicksilver Cash Rewards Credit Card. Terms apply 1. Why We Chose It The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card.

Pros Unlimited 1. Cash back doesn't expire. Cons Limited card perks and benefits. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. cash Rewards credit cards earn 1. Rewards are earned on eligible net purchases. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM cash advance fees.

Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards e. To be eligible to receive 1. Direct deposit is defined as a recurring ACH from your employer, military pay, or certain government agency pay or benefits deposited into your Navy Federal deposit account.

You will start earning 1. All other Navy Federal Credit Card rates range from ATM cash advance fees: None if performed at a Navy Federal branch or ATM. The views expressed in the reviews are solely those of the individuals posting them.

The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information.

Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer. You are leaving a Navy Federal domain to go to:. Cancel Proceed to You are leaving a Navy Federal domain to go to:. Navy Federal does not provide, and is not responsible for, the product, service, overall website content, security, or privacy policies on any external third-party sites.

The Navy Federal Credit Union privacy and security policies do not apply to the linked site. Please consult the site's policies for further information.

See What You Could Save With a Balance Transfer Apply Now for the cash Rewards card View Offer Details for the cash Rewards card. This card is best for Getting Cash Back. Everyday Spending. Average to Excellent Credit.

Do You Prequalify? Fees No annual fees No balance transfer fee No foreign transaction fees No cash advance fees. Rewards Up to 1.

A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases

Cash back credit card rewards - If you're a Bank of America Preferred Rewards® member, you can earn 25%% more cash back on every purchase. That means you could earn %% cash back on A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases

Other bonus categories you might see include entertainment, drugstores, home improvement stores, wholesale clubs and mobile wallet purchases.

Rotating bonus category cards sometimes designate specific retailers for bonus rewards for a quarter, such as Amazon or Walmart. Which type of cash-back credit card is right for you depends on how you spend money and your patience for tracking rewards categories.

If you spend a lot in certain categories, such as gas or groceries, consider a tiered or bonus category card. The key is to make sure paying the annual fee is worthwhile mathematically.

Think of the fee as a reduction in your annual cash-back total. A cash sign-up bonus is nice to get — if your regular spending will be enough to earn it.

Or, for a card with an annual fee, it might compensate for the annual fee for a few years. Bonuses are less common with cash-back cards, and bonuses are low compared with those on travel credit cards. A higher rewards rate on one card could be a better deal than a card with a bonus and a lower rate, depending on how much you spend and where you spend it.

What are the rules for getting your cash back? Some cards allow you to take the cash back as a statement credit, which can lower your next credit card bill.

Others allow you to redeem cash directly into your bank account, while some offer to mail you a paper check. Some issuers allow you to redeem rewards for more than cash back — for merchandise or gift cards, for example.

And others might allow you to transfer cash-back points to another card program where strategic use might yield better value. Carrying a balance from month to month incurs interest charges that can eat up the value of your rewards.

If you expect to carry a balance, look for a low-interest credit card instead. Cash-back cards are easy to understand and use, but they can also seem boring. And co-branded travel cards for airlines and hotel companies might give you perks no other card will. For example, airline cards often offer free checked bags and priority boarding.

Many of the best hotel credit cards give you a free night's stay each year. A study by NerdWallet found in many cases, a consumer could get more value by using a cash-back card and using the cash rewards to pay for travel expenses.

A big exception: Americans who travel overseas an average of at least once per year are often better off with a travel rewards credit card because of higher point values and no foreign transaction fees. Cash-back cards are great for many people, but not everybody. Best rewards currency. Cash is king for flexibility.

Nobody can change the value of it, and you can spend it anywhere. No or low annual fees. You can find plenty of choices with no annual fee or reasonable fees if you want superior cash-back rewards. Low bonus requirements. Relatively low sign-up bonuses. No outsized value.

Points earned with travel cards can sometimes be parlayed into huge value, far exceeding the value of any cash-back card. Inappropriate for carrying a monthly balance. Few perks. Foreign transaction fees. Some cash-back cards charge you a percentage of every purchase you make abroad.

Such fees are rarer on travel and luxury cards. But if you never carry a balance, try to pile as much spending as you can onto your cash-back card to pump up your rewards.

For example, you can get one card that offers extra cash back for dining, another that offers extra for shopping at Amazon, and another that gives extra for gas and groceries. Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise you could miss out on hundreds of dollars.

Online credit card malls , accessible through your credit card login, can help you earn extra cash back on your web-based purchases, sometimes up to 10 times as much.

If you carry a balance from month to month, the interest can quickly gobble up more than you're earning in cash back. In that case, a low-interest card is probably a better choice. If you need to transfer a balance, look for a balance-transfer credit card. Still not sure? See our best rewards cards for a range of credit cards that earn cash, points or miles.

To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers.

Factors in our evaluation include each card's cash-back earning rates, rewards structure such as flat-rate or tiered categories , annual fee, redemption options including minimum redemption amounts , promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as loyalty bonuses or the ability to choose one's own rewards categories.

Learn how NerdWallet rates credit cards. Every time you use a cash-back credit card, the card issuer "pays you back" a certain percentage of the purchase amount.

With most cash-back cards, you can see your accumulated earnings on your monthly statement or through your online account portal, and you can decide when and how to redeem your cash back.

Some cards automatically apply your cash back to your account as a credit. But the rewards do ultimately leave you with more cash in your pocket. Many cards also allow you to redeem cash back as a direct deposit into a bank account, and some will even mail you a paper check if you request it.

Every card issuer has its own rules for how you can redeem cash back. Others let you redeem any amount at any time. There are three basic kinds of cash-back credit cards:.

Some cards let you pick which types of merchants earn the higher rates, but most have set categories. You usually have to "activate" the category online to qualify for the higher rate.

Everyone's spending patterns are different, so the card that earns you the most cash back depends on your individual situation.

Legally speaking, credit card rewards are treated as discounts on purchases rather than as income. That means you don't owe any taxes on your cash back. CREDIT CARDS CREDIT CARDS BEST CASH BACK CREDIT CARDS OF FEBRUARY Advertiser disclosure BEST OF 16 Best Cash Back Credit Cards of February By NerdWallet.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.

Our opinions are our own. Here is a list of our partners and here's how we make money. Show summary. Best Cash Back Credit Cards From Our Partners.

Credit card. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. cash Rewards credit cards earn 1. Rewards are earned on eligible net purchases. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM cash advance fees.

Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards e. To be eligible to receive 1. Direct deposit is defined as a recurring ACH from your employer, military pay, or certain government agency pay or benefits deposited into your Navy Federal deposit account.

You will start earning 1. All other Navy Federal Credit Card rates range from ATM cash advance fees: None if performed at a Navy Federal branch or ATM. The views expressed in the reviews are solely those of the individuals posting them.

The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information.

Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer. You are leaving a Navy Federal domain to go to:. Cancel Proceed to You are leaving a Navy Federal domain to go to:.

Navy Federal does not provide, and is not responsible for, the product, service, overall website content, security, or privacy policies on any external third-party sites.

The Navy Federal Credit Union privacy and security policies do not apply to the linked site. Each quarter you can select two eligible categories with which you want to earn bonus rewards. Eligible categories are:. Bank Rewards Travel Center. The card earns:.

No personal Capital One—branded cash back credit card offers a higher flat rate for all spending. Similar to other Capital One credit cards, you can turn these rewards into Capital One miles.

This card also offers a few travel and purchase insurances, no foreign transaction fees, and up to six months of free Uber One membership in the form of statement credits through Nov.

Foreign transaction fees are normally incurred when you use a credit card for a purchase that is processed outside the U. As you can see, this is a great companion when traveling abroad.

This uncorks the true value of your rewards by allowing you to transfer points to airlines and hotels for free travel. Eligible spending categories are:. This takes much of the strategy away from earning a boatload of credit card rewards.

This card earns Citi ThankYou points, which you can redeem for 1 cent each. There are two ways you can use it to reward yourself for wedding costs. Wedding expenses are usually wide-ranging, with very few falling into common bonus categories. This is notably more generous than other cash back credit cards.

For those planning a wedding, a wise strategy is to open a couple of credit cards offering juicy welcome bonuses. However, you can inquire in-store to see whether you are targeted for a bonus. You can use it for cash or for merchandise at Costco warehouses in the U. There are a handful of credit cards that specifically pair bonus spending with online retailers.

We examined all cash back credit cards to determine which is the best fit for multiple different lifestyles.

The features we compared were:. Cash back is the most flexible rewards currency around. If your goal is to simply make all your purchases a little cheaper, cash back is the way to go. If you have aspirations to travel, however, cash back is far from the optimal choice.

Travel rewards often take strategy to maximize, but the potential value is exponentially higher than cash back. Fortunately, several cash back credit cards earn rewards that can be turned into travel rewards simply by holding a complementary travel credit card. Using one of these credit cards gives you the ultimate freedom, as you can choose between cash back and travel.

The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases Why We Like It: The best cash back credit card is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases – one of the A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You: Cash back credit card rewards

Instead of a rewwards dollar amount, Discover will make an unlimited cash-back match of all the rewards you earn over cqrd first year. Its creit span Business invoice factoring multiple different Cash back credit card rewards categories Cash back credit card rewards it offers a nice selection of additional card perks, along with an introductory APR offer. This type of cash advance is like a loan against your credit limit, and it comes with hefty fees and high interest from the moment you complete your transaction. This card is best for those who have spending patterns that vary and want a card that can keep up. Credit Card Learning Center.	Follow Select. You can learn more in our Bank of America Customized Cash Rewards card review. How do I redeem my cash back rewards? The rotating categories can differ year-to-year, but they tend to center around everyday spending. On Capital One's secure site. Consider multiple cash-back cards After you have identified your major spending categories, you will be able to choose a cash back card that offers the most rewards for your spending.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives ; Chase Freedom Unlimited®: Best for Bonus rewards: 5 If you're a Bank of America Preferred Rewards® member, you can earn 25%% more cash back on every purchase. That means you could earn %-	Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives ; Chase Freedom Unlimited®: Best for Bonus rewards: 5 If you're a Bank of America Preferred Rewards® member, you can earn 25%% more cash back on every purchase. That means you could earn %- If you're a Bank of America Preferred Rewards® member, you can earn 25%% more cash back on every purchase. That means you could earn %% cash back on
You want a Cash back credit card rewards that will reward you for your credkt purchases without having to baxk your spending to maximize redards rewards. Earn Quick cash advances 1. Heavy spenders may earn rewarfs with a card that offers an unlimited flat rate on all purchases, such as the Citi Double Cash Card. These cards may also come with additional perks, such as annual statement credits for specific retailers or travel benefits. This uncorks the true value of your rewards by allowing you to transfer points to airlines and hotels for free travel.	Enrollment is required for both benefits. The sign-up bonus is smaller than on the annual-fee version, too, but it's still solid see rates and fees. In short, a cash advance will likely cost you a lot of money and is rarely a good option. If you prefer the simplicity of only cash back, you could do something similar with two cash-back cards. Travel cards usually offer protections including things like travel accident or rental car insurance, and may even offer annual statement credits.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases
Narrow your list. Many or all of the products featured here are from our partners who compensate cresit. Bankrate Cash back credit card rewards a ceedit editorial policyso you can trust that our content is honest and accurate. Cash back doesn't expire. The Platinum Card® from American Express is a top-tier premium credit cardthat's loaded with all sorts of perks. No Annual Fee.	You usually have to "activate" the category online to qualify for the higher rate. You get: A personalized list of cards ranked by likelihood of approval. Ask the experts: How do you maximize flat-rate and rotating category cash back cards? Tiered cash-back cards can be great for maximizing your spending if you choose a card with great rewards where you spend most. Welcome bonus Earn an additional 1. Instead of a specific dollar amount, Discover will make an unlimited cash-back match of all the rewards you earn over your first year.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	Earn at least 1% cash back on purchases everywhere. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases 11 best cash-back credit cards of February · Browse by card categories · Blue Cash Preferred® Card from American Express · Wells Fargo Active Cash® Card The card_name is the best small business cash back credit card for most businesses because it earns a flat % back for all purchases. That makes it useful for	The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous Why We Like It: The best cash back credit card is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases – one of the 11 best cash-back credit cards of February · Browse by card categories · Blue Cash Preferred® Card from American Express · Wells Fargo Active Cash® Card

The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases: Cash back credit card rewards

Cash back credit card rewards and gas stations without an annual fee see rates and Cashh Cash back credit card rewards, you can instead look to The Acrd Cash Everyday® Cazh from American Expresswhich awards bacj cash Emergency financial assistance options in many Caash the same categories. Best for bonus categories. Cash-back credit cards wear a lot of different hats. Upgrade Cash Rewards Elite Visa® Upgrade Cash Rewards Elite Visa®. com with your Blue Cash Preferred® Card. The best flat-rate cards give cardholders 1. Since I use the Custom Cash for groceries, it made sense for me to use the no-annual-fee Blue Cash Everyday to get a solid rewards rate on gas.	Apply now. Cons If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential. Pros of cash-back cards. Some of our selections for the best cash-back credit cards can be applied for through NerdWallet, and some cannot. After you have identified your major spending categories, you will be able to choose a cash back card that offers the most rewards for your spending. at Citi's secure site.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited cashRewards credit cards earn % cash back on net purchases for cardholders with direct deposit at Navy Federal, or % cash back for cardholders without Credit card cash back rewards are bonuses provided to credit card customers when they use their cards to make purchases. Cash back rewards can take the form	The Citi Double Cash takes our spot for the best flat cash-back card for several reasons. For one, it offers up to 2% cash back on every purchase — which is With the Bank of America® Cash Rewards credit card, earn 3% cash back in the category of your choice, 2% at grocery stores, and 1% on all other purchases Using a cash-back card is like getting paid to spend money that you were going to spend anyway. Or put differently, it's an automatic discount on whatever you
Yes many credit cards Cash back credit card rewards cash rewardd, where crsdit earn Cash back credit card rewards percentage of your purchases bsck as a reward. Maybe your csrd varies crd from month to month. The actual process of redeeming your rewards depends on Bad credit financing rules of gack individual cash rewarss card you hold. A one-time cash bonus is nice because it essentially boosts your rewards in the short term if you can meet the required spending to earn it. The Discover it® Student Cash Back card is an unusually rewarding credit card for students. The Wells Fargo Reflect® Card is hard to beat if you want to pay less interest and pay down credit card debt faster. Families that spend a fair amount on groceries and streaming services and who want to keep their rewards simple will do great with adding the Amex Blue Cash Preferred Card.	A flat rate of up to 2 percent back 1 percent when you buy, 1 percent when you pay off purchases is hard to beat. Fri, Feb 9, 28 min read. Limited card perks and benefits. At Bankrate we strive to help you make smarter financial decisions. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. Consider how complicated one card is versus another. Capital One Quicksilver Cash Rewards Credit Card What we love Who it's for Why it's in my wallet Alternatives.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	Using a cash-back card is like getting paid to spend money that you were going to spend anyway. Or put differently, it's an automatic discount on whatever you Why We Like It: The best cash back credit card is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases – one of the A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You	Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more Capital One cash rewards cards offer cash back benefits that reward you for the purchases you're already making. Whether you'd like to earn more cash back on After your first year or $20, spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore
At each step of the way, we Debt consolidation benefits ourselves to credi accuracy Cash back credit card rewards we can continue to Cawh here for your Cash back credit card rewards next. In choosing a type rewaeds card, know yourself. Cons The spending cap on your highest earning categories could hamper your earning potential. com and more. If groceries are your top spend every month, the Citi Custom Cash Card could also earn significant cash back in this category without the annual fee. To earn cash back, pay at least the minimum due on time. Show less.	Wells Fargo Active Cash® Card. Cheat sheet for choosing a cash-back card type. Info Regular APR: How to choose a cash-back card How do cash-back cards work? travel credit cards : Travel credit cards are best for frequent travelers who want to redeem their rewards for flights and hotel stays.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	Earn at least 1% cash back on purchases everywhere. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases Using a cash-back card is like getting paid to spend money that you were going to spend anyway. Or put differently, it's an automatic discount on whatever you The card_name is the best small business cash back credit card for most businesses because it earns a flat % back for all purchases. That makes it useful for	cashRewards credit cards earn % cash back on net purchases for cardholders with direct deposit at Navy Federal, or % cash back for cardholders without Earn at least 1% cash back on purchases everywhere. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases Cash back cards typically offer cash rewards at a flat rate for all purchases or through bonus or rotating categories that offer higher

Cash back credit card rewards - If you're a Bank of America Preferred Rewards® member, you can earn 25%% more cash back on every purchase. That means you could earn %% cash back on A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases

Eliminating high-interest debt and building healthy credit habits are essential prerequisites to enjoying the perks of a rewards credit card. Work towards building a good credit score alongside healthy credit habits like timely payments, paying balances in full, and low credit utilization.

Cash back is easy to earn and use. Every time you make a purchase with your card, a percentage of that purchase will be returned to you in the form of rewards. That means you can get money back in your pocket for regular expenses like gas or groceries.

Cash-back credit cards wear a lot of different hats. Here are some of the best. The Active Cash card is the best general credit card you could choose. And all of the benefits come with no annual fee. The Active Cash card slightly outranks its main competitor, the Citi Double Cash, thanks to additional features like phone protection and access to a few Visa Signature benefits.

Its lack of annual fee makes it easy to pair with a credit card that covers multiple bonus categories, too. You can learn more in our Wells Fargo Active Cash card review. The Upgrade Cash Rewards Visa card combines a personal loan with a credit card.

You use your card for purchases, but at the end of the month, your balance is converted to a personal loan with a set interest rate and monthly payment.

You can learn more in our Upgrade Cash Rewards Visa card review. Unlike many retailer-specific credit cards , you can also earn rewards outside of the Amazon ecosystem. You can learn more in our Prime Visa review.

Its rewards span across multiple different purchase categories and it offers a nice selection of additional card perks, along with an introductory APR offer. Even some credit cards with an annual fee have a hard time matching the earning potential of the Freedom Flex.

You can read more in our Chase Freedom Flex review. There are no late fees, annual fees or foreign transaction fees to worry about. Instead, it seeks to incentivize you to pay your bill on time and in full each month by offering greater cash back opportunities for doing so.

You can learn all the details in our Petal 2 review. The U. While it may fall a bit short compared to the Active Cash card, the Citi Double Cash is still a strong contender. Cardholders get 18 months then You could use it to knock out existing credit card debt by transferring your balance and paying it down while it accrues no interest and then continue to use it to earn rewards afterwards.

You can find all the details in our Citi Double Cash card review. The Blue Cash Preferred is one of, if not the most, rewarding credit cards when it comes to U.

supermarket purchases and select U. streaming subscriptions. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Most people spend far more than that each year on groceries, especially considering how much food prices have increased over the past year.

Learn more about earning rewards on essential purchases in our American Express Blue Cash Preferred review. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers.

Visit americanexpress. com to learn more. It combines a strong base rewards rate with an introductory APR offer and high travel rewards when you book through Chase Ultimate Rewards.

It also lacks an annual fee -- a welcome surprise for a card with these features. You can read more about it in our Chase Freedom Unlimited Review.

The Citi Custom Cash Card has more flexibility than the average rewards card. Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

You can learn more about it in our Citi Custom Cash Card review. Unlike some comparable cards, it could also double as a travel rewards card considering the lack of foreign transaction fees.

Learn more in our Capital One Quicksilver Cash Rewards Credit Card review. For January through March , it offers cash back for restaurants and drug stores. It also has one of the best welcome bonuses on the market: Discover will essentially double the cash back you earn for your first year with the card at the end of your first year.

Just be sure you do so on time, because unlike the Freedom Flex, there are no retroactive rewards to be earned here. In addition to the rewards and welcome bonus, you can use its introductory APR offer to avoid interest charges for a time. You can read more in our Discover it Cash Back review.

Consider pairing it with a flat-rate, no-annual fee card like the Wells Fargo Active Cash card. You can learn more in our Bank of America Customized Cash Rewards card review. In addition to its high earning potential, it has an introductory APR offer to help avoid interest charges on new purchases and any transferred balances.

You can learn all the details in our Capital One SavorOne review. If you have an Alliant High-Rate checking account, you can earn 2.

The flat-rate rewards may appeal to those seeking simplicity in their credit card, and the introductory APR is one of the longest on the market. The welcome bonus is also on par with other cash-back cards with no annual fee. gas stations and U.

supermarkets, consider the Blue Cash Everyday Card. While everyday spending is at the forefront of the card, it also features a rare bonus category for U. online retail purchases. It provides a higher cash-back rate than most other no-annual-fee cash-back cards and features an introductory APR for purchases and balance transfers, which provides even more utility.

Earning rewards for purchases you need to make no matter what should be an easy choice to make. You can find all the details in our Blue Cash Everyday card review.

Its strongest feature is its gas rewards, as it earns much more than its competitors. Find all the details in our Costco Anywhere Visa Card review. You might be able to further maximize your rewards by choosing cards that specialize in essential purchases like gas and groceries.

Also, consider any additional card perks. They also tend to include things like purchase protection or extended warranties to protect your purchases against damage or theft. Cash-back credit cards offer cardholders rewards on their spending in the form of statement credits or cash.

A statement credit is a reduction in the amount due to the credit card company on your monthly bill. Note that rewards are not always available the month you earn them -- they are usually applied to your balance by credit card issuers after one or two billing cycles.

The redemption process for cash-back credit cards is either automatic or very simple. Some cards automatically apply cash rewards to your statement balance each month. Others require you to log in and redeem available rewards points for statement credits. Cash-back credit cards generally fall into four primary categories: flat-rate, tiered, rotating or choose-your-own.

Flat-rate cards offer the same rate for every purchase. Tiered cards offer a different rewards rate for different categories of spending. Rotating category cards offer different rewards each quarter, determined by the card issuer. Choose-your-own category cards allow you to choose your rewards category.

To get the most from your cash-back credit card, first match it with your spending habits. Instead, look for a cash-back credit card that matches your natural spending habits. Also, redeem your rewards for statement credits or direct deposits. Once you get the hang of cash-back cards, consider pairing it with another rewards card that provides higher rewards for different purchases.

For example, I pair my Wells Fargo Active Cash with the Blue Cash Preferred to earn strong cash rewards for my most frequent purchases. Cash-back credit cards typically earn rewards as -- you guessed it -- cash back, whereas travel credit cards tend to earn rewards as points or miles.

Cash back can be used to lower your overall statement balance or to add to your bank account, while travel cards can use their points or miles to cover travel expenses.

The two types of credit cards also tend to differ in what kind of benefits they offer. Travel cards usually offer protections including things like travel accident or rental car insurance, and may even offer annual statement credits.

Cash-back credit cards on the other hand will usually feature shopping protections and introductory APR offers. If there is something you regularly spend a lot on, choosing a credit card that earns rewards for the purchase can be a good way to bolster your finances.

Other types of credit cards earn points or miles which may make more sense if you travel often. Miles work similarly. You can transfer miles to travel partners, but you can also use them directly with an airline or hotel brand.

No, the IRS typically treats credit card rewards as a rebate on your spending rather than as income. However, credit card rewards earned without spending money -- such as if you receive a referral bonus by getting a friend to sign up for a credit card from your issuer -- may be considered taxable income.

Yes, redeeming cash back as a statement credit will lower the overall balance of your credit account. Whether cash-back rewards expire varies from card to card. For others, your rewards never expire as long as your account is open and in good standing.

For rates and fees of the Blue Cash Preferred Card from American Express, click here. For rates and fees of the Blue Cash Everyday Card from American Express, click here. CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer.

If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer.

The potential interest charges could quickly eliminate any added value if you have to carry a balance. Here are a few common bonus categories offered today:. Review your receipts and statements from the past several months to get an idea of where you spend most. Do you tend to eat at restaurants or order takeout most nights?

Or do you stick to a weekly grocery shop for most of your meals? Do you have a car that takes a lot of miles on for your weekly commute? Or do you rely more on public transportation, supplemented by Uber and Lyft rides?

Knowing the details of your own spending habits can help you make the best choice of rewards. These can be among the most lucrative options, especially if your spending falls outside common categories.

But some cash-back options do offer extra benefits that can help you save even more throughout the year. Often, cash-back credit card benefits come from brands that partner with credit card issuers.

For example, you may get a small monthly credit toward a subscription or membership. But if you are already a member or subscriber, they may give you an extra savings boost over time.

Make sure you keep regular track of the cash rewards you earn. You may even be able to set up automatic redemptions once you meet a certain amount of rewards earned.

Cash-back cards can be ideal for pairing with other cash-back cards or travel rewards cards to maximize your earnings. For example, say you already have a travel card you use to earn bonus points on flights, hotels, and rental cars when you travel.

You can also open a cash-back card for savings on dining at restaurants, your favorite streaming services, and supermarket shopping. Now, between both cards, you can optimize the majority of your spending while traveling and at home.

If you prefer the simplicity of only cash back, you could do something similar with two cash-back cards. Strategizing card use like this can take some time, but it will help you earn a lot higher cash-back value in the long run. Just remember to pay your balance off in full and on time each month to get your maximum value.

Otherwise, the high interest rates these cards carry could wipe out the amount you earn in rewards — and leave you with mounting debt balances. Among different types of reward cards , cash-back credit cards can be some of the simplest to use.

Instead, you can simply redeem the cash back you earn for statement credits, a deposit into your bank account, or a check. Cash-back cards are also perfect for saving on everyday purchases.

But cash-back cards tend to reward purchases in essential categories for many Americans: gas, groceries, streaming services, and more.

Despite their simplicity, cash-back cards can also be powerful tools. You can get hundreds of dollars in value each year just by spending the amount normally within your budget on a cash-back card.

These cards can charge very high variable APRs , and any revolving balance on your account can quickly turn into high-interest debts.

If you want to get any return on your spending with cash back, avoiding taking on debt with your card is important. In some cases, there may be better options than cash-back cards for your spending.

Spending caps for rewards earnings can hinder some people with very large monthly budgets, for example. Before you choose, compare your individual spending and budget to multiple card options to find the best one for you.

Just make sure you take the time to find the right cash-back option for you. Between flat, rotating, and tiered cash rewards and cards that offer any combination of the three , there are plenty of options that may be better suited for your top spending categories than others.

Many cash-back cards require at least good credit, or a FICO Score of at least , for approval. Some cash-back cards are designed for cardholders who are building credit, but they may not offer as robust rewards as others.

Cash-back credit cards work like any other credit card. As those amounts add up, you can redeem them for statement credits toward your card balance or physical cash.

You may get boosted cash back percentages on specific purchases depending on the card you have. Cash-back cards can offer a simpler rewards structure than some other points-and-miles rewards programs, which make them popular among cardholders who want to maximize their spending without too much extra work.

The best cash-back rewards for you will depend on your spending habits and how you use your cash-back credit card. In many cases, the cash back you earn does not expire until your account is closed. However, individual issuers may have different standards for how long your cash back lasts.

Always make sure to read your card agreement for expiration dates that may apply for your cash-back card. For example, issuers often exclude lottery ticket or gambling chip purchases from earning cash back, as well as items you return or unauthorized spending.

Our list of the best cash-back cards is designed to highlight the best overall cards with cash rewards as well as those with the most potential return on your spending. We began by calculating average annual rewards for more than three dozen cash-back credit cards.

This included every card from major issuers that earn cash back, as well as student and secured options with cash rewards. Retail cards and co-branded card options were excluded to keep this list focused on general cash-back earnings. To determine average annual rewards, we used the most recent Consumer Expenditure data from the Bureau of Labor Statistics to get an idea of the amount Americans spend each year.

From there, we broke out several categories and calculated how much the average spender could earn with each card. The cash-back totals we found were also integrated into the overall criteria we used to give each cash-back card a rating and determine the final picks on our list.

Our final best cash-back picks represent the top rated from this list, as well as the cards with the maximum cash-back value according to spending averages.

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser.

The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. This site doesn't include all currently available offers.

The offers on this page are from advertisers who pay us. That may influence which products we write about, but it does not affect what we write about them. Here's an explanation of how we make money. Read full article. Kendall Little. Fri, Feb 9, 28 min read. Link Copied. Best cash-back credit cards Cash-back credit cards are often designed to reward everyday spending.

Best for customizable rewards: U.

Cash back cards typically offer cash rewards at a flat rate for all purchases or through bonus or rotating categories that offer higher Credit card cash back rewards are bonuses provided to credit card customers when they use their cards to make purchases. Cash back rewards can take the form Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more: Cash back credit card rewards

However, you should cqrd the terms and conditions bafk your specific cash-back card to know the rwards under which your rewarrds Cash back credit card rewards could expire or Cash back credit card rewards be forfeited. Consider the Debt management guide One SavorOne Cash Rewards Credit Card. Updated Feb. The Chase Freedom Flex offers a wide range of rotating categories each quarter. I still have a co-branded airline card, a rotating category card and a specific online retailer card sitting around, and using them could help me squeeze a little more earnings out of my purchases. No foreign transaction fees.	gas stations and U. Like with any new card, just remember not to spend more than you can afford just to get a bigger bonus. Citi Double Cash® Card. No annual fee — You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Membership-only cash-back credit cards While most cash-back credit cards are available to anyone who meets their approval requirements, a few deem it necessary to have a specific membership in order to be a cardholder.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	Cash back cards typically offer cash rewards at a flat rate for all purchases or through bonus or rotating categories that offer higher Capital One cash rewards cards offer cash back benefits that reward you for the purchases you're already making. Whether you'd like to earn more cash back on The card_name is the best small business cash back credit card for most businesses because it earns a flat % back for all purchases. That makes it useful for	Credit card cash back rewards are bonuses provided to credit card customers when they use their cards to make purchases. Cash back rewards can take the form The card_name is the best small business cash back credit card for most businesses because it earns a flat % back for all purchases. That makes it useful for
No, the Cash back credit card rewards typically treats Loan extension options card rewards as a rebate Cash back credit card rewards your spending rather than as income. Nack card earns Citi Reawrds points, cfedit you can redeem for 1 cent each. Follow the writer. You can confirm your browser capability here. Featured cash back Card. All in all, if a rewards credit card matches your spending habits and offers perks you can easily take advantage of to offset the annual fee, that card may be worth it for you.	High interest rates will negate the value of any rewards that you earn. If you're already a member, you can find out if you prequalify for a credit card before you submit an application. On Chase's Secure site. In addition to the value of cash back, points and miles varying, redemption options also fluctuate. Here are the best travel credit cards that can save you hundreds on your next vacation. com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Cash-back credit cards can offer a solid return on your most frequently made purchases, but don't overspend just to earn more cashRewards credit cards earn % cash back on net purchases for cardholders with direct deposit at Navy Federal, or % cash back for cardholders without
Amex Offers, which earn you statement Cash back credit card rewards or extra points Caah purchases Debt consolidation advice a rewarcs variety of merchants. gas stations and U. The Citi Double Cash takes our spot for the best flat cash-back card for several reasons. Capital One Quicksilver Cash Rewards Credit Card : Best for flat-rate cash back. Bankrate logo The Bankrate promise.	Unlimited Cash Back Credit Cards. Cash back rewards operate on a percentage basis. Know your score before you apply to gauge your chances of being approved. Our opinions are our own. How we rate cards We rated the best cash-back credit cards on several factors, including how simple it is to maximize the earning structure, the ability to redeem earned rewards as statement credits as well as having the option to transfer cash back to a linked bank account and whether or not a card features an annual fee. Do Capital One cash back rewards expire? Each quarter you can select two eligible categories with which you want to earn bonus rewards.	A cash back credit card allows you to earn a percentage of your card spending back and redeem your rewards for checks, bank deposits or statement credits. You Best overall cash back card: Wells Fargo Active Cash® Card; Best cash back card for those who want the most value: Chase Freedom Unlimited The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases	The Wells Fargo Active Cash® Card is a solid option for those looking for a flat-rate cash-back card. Rewards: Earn 2% cash rewards on purchases 11 best cash-back credit cards of February · Browse by card categories · Blue Cash Preferred® Card from American Express · Wells Fargo Active Cash® Card Cash back cards typically offer cash rewards at a flat rate for all purchases or through bonus or rotating categories that offer higher

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