A student card, like the Discover it® Student Cash Back , can help you build credit while also earning cash back. To qualify, you need to meet a few requirements: attend a two- or four-year college, be over 18 and a U.

Standout benefits : The Discover it® Student Cash Back has no annual fee and no foreign transaction fees , which makes it a good choice for students studying abroad. After the intro period, there's a We always recommend you pay your balance on time and in full to avoid interest charges.

Check out CNBC Select's best credit cards for college students. Unlimited 1. See rates and fees. See our methodology , terms apply. Capital One QuicksilverOne Cash Rewards Credit Card see rates and fees gives consumers a competitive 1.

Check out CNBC Select's best credit cards for building credit and best credit cards for average and fair credit. The Chase Freedom Unlimited card is CNBC Select's best overall cash-back card because of its solid earning rate on all purchases, generous welcome offer and the way it compliments other Chase credit cards.

Earn an additional 1. Although the Chase Freedom Unlimited earns cash back, it can be paired with other cards that earn Chase Ultimate Rewards points. If you have certain Chase credit cards such as the Chase Sapphire Preferred Card , the Chase Sapphire Reserve or Ink Business Preferred® Credit Card , you can transfer your cash-back rewards to those cards.

This greatly expands the options you have for redeeming your rewards because you'll be able to transfer those points to all of Chase's airline and hotel partners. Cardholders can redeem cash back for checks, direct deposits, statement credits, gift cards and more.

You can also transfer rewards to three of Citi's travel partners: Wyndham, JetBlue and Choice Privileges. The rewards you earn with the Citi Double Cash are more valuable when you pair this card with the Citi Premier® Card.

If you have both cards, you can transfer the points you earn with the Citi Double Cash card to all of Citi's partner travel programs, including Turkish Airlines, Avianca and Singapore Airlines.

The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you're a victim of identity theft. Depending on your spending habits, the Chase Freedom Flex could be the most rewarding cash-back card because of its valuable rotating bonus categories and easy-to-earn welcome bonus.

But if you have a Chase card that enables Ultimate Rewards points transfers like the Chase Sapphire Preferred , you can pool your rewards onto that card and have the potential to dramatically increase their value.

The Wells Fargo Active Cash® Card is a no annual fee card that can help you pay less interest on your credit card debt and earn cash rewards at the same time. When you pay your wireless phone bill with your Wells Fargo Active Cash® Card , you can qualify for cell phone protection. Discover will match the cash back you earn during the first year with no minimum spending requirement or cap on the match.

The Discover it Student Cash Back card has few useful benefits outside of its cash-back earnings. But it doesn't have foreign transaction fees , which comes in handy if you're planning to study abroad or take a spring break trip.

The Capital One QuicksilverOne card is a solid choice if you're working on improving your credit score and are interested in earning cash-back rewards at the same time. Cardmembers are also eligible for six months of complimentary Uber One membership through Nov.

There are many types of credit cards that offer a range of perks and rewards programs , especially when it comes to cash-back credit cards.

The three main types are flat-rate, bonus rewards and rotating category. It can be hard to select just one cash-back card since there are so many to choose from.

To choose the best card for your needs, you'll need to consider several factors. Here are some tips on how to choose a credit card:. Consider the annual fee: While many cash-back cards have no, or low annual, fees, consider if you're willing to pay for your credit card.

Review your spending habits: Taking the time to consider how you use your card, can help you narrow down the type of cash back you want to earn. If you spend a lot at the supermarket, consider a grocery rewards card , such as the Blue Cash Preferred® Card from American Express.

But if your spending habits are unclear, stick with a flat-rate cash-back card, like the Citi Double Cash. If you're having trouble narrowing down the best cash-back card for you, it can be helpful to compare credit cards.

You should first list the benefits you're looking for and any deal breakers, such as an annual fee. Then make a list of cards that offer those benefits so you can do a side-by-side comparison.

For instance, if you want a simple cash-back card that doesn't require bonus activation, consider the flat-rate Citi Double Cash.

But if you don't mind activating new categories every quarter and want to maximize rewards, opt for the Chase Freedom Flex. To make the most of your cash-back card, you should familiarize yourself with the various credit card benefits and fees. Review the annual fee, foreign transaction fees and the APR.

Plus consider the cash-back rates and redemption options. Once you're familiar with the terms of your card, you can begin to optimize them. Set up autopay to ensure payments are made on time and consider how you want to redeem cash back.

If there's an automatic redemption option, that can be a simple way to cash out your rewards. And if you have multiple credit cards , make sure you know the best time to use each card. Let's say you have the Citi Double Cash Card and the Chase Freedom Unlimited Card. Money matters — so make the most of it.

Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money.

Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. 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.

See our methodology for more information on how we choose the best credit cards. To determine which cards will put the most money back in your pocket, CNBC Select evaluated 50 cash-back credit cards offered by the biggest banks, financial companies and credit unions that allow anyone to join.

We compared each card on a range of features, including cash-back rewards, annual fee, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available.

CNBC Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the Consumer Expenditure Surveys from the Bureau of Labor Statistics.

You can read more about their methodology here. General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

CNBC Select used this budget to estimate how much the average consumer would save over a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases.

All rewards total estimations are net the annual fee. It's important to note the value of a point or mile varies from card to card and based on how you redeem them. When we calculated the estimated returns, we assumed that cardholders are redeeming cash back for a typical maximum value of 1 cent per point or mile.

Extreme optimizers might be able to achieve more value. Our final picks are weighted heavily toward the highest five-year returns, since it's generally wise to hold onto a credit card for years.

This method also avoids giving an unfair advantage to cards with large welcome bonuses. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Instead of a set bonus amount, the size of your bonus depends on how much you use the card over the first 12 months your account is open. At the end of that period, the issuer matches all the rewards you've earned. For example, here's how Discover describes the bonus offer on the popular Discover it® Cash Back card: "INTRO OFFER: Unlimited Cashback Match for all new cardmembers — only from Discover.

Once you hit the required spending amount, you'll get your bonus. With some cash-back cards, the bonus might immediately appear as a credit against purchases on your monthly statement.

In most cases, though, the bonus shows up in your rewards balance, alongside the points, miles or cash back you earn from your spending. You can then redeem your bonus however and whenever you want. Credit card companies usually set rules about what kind of spending counts toward earning the sign-up bonus.

Purchases of goods and services will count. Balance transfers, cash advances and wire transfers will not, nor will purchases of cash equivalents like gift cards, money orders or casino chips. In other words, you can't earn a sign-up bonus by "buying money" and then paying off your balance with that money.

The "best" offer for new cardholders is a moving target for a couple of reasons. First, bonuses are paid in different kinds of "currency" — cash, statement credits, frequent flyer miles, hotel points and more. That makes it hard to compare bonus values directly. Second, credit card issuers frequently roll out special offers.

A card that usually dangles 50, points or miles as a bonus might kick that up to 75, or , for a limited time to try to entice people to apply. Targeted offers — that is, those sent out to select consumers rather than advertised to the public at large — can be even more lucrative.

That said, here are some things to keep in mind about bonus offers:. Travel credit cards tend to offer bigger bonuses than cash back credit cards. Cards with annual fees tend to offer bigger bonuses.

When a card charges an annual fee, the issuer knows it needs to sweeten the offer to get you to choose that card over one that charges nothing. So annual-fee cards pay richer rewards, provide better perks — and carry bigger bonuses.

Points and miles are not all created equal. A bonus of 40, miles on a Delta Air Lines credit card has a different value from a bonus of 40, miles on a Southwest Airlines card.

And 50, Chase Ultimate Rewards® points are worth more much more than 50, Hilton Honors points. Apples-to-apples comparisons are difficult with points and miles because they aren't portable like cash — you can only use them in the ways allowed by the program that awarded them.

See our page on point and mile values for more information. At NerdWallet, we often say that there is no single "best" credit card — just the best card for you. It's the same with bonus offers.

The best sign-up bonus is the one that is of greatest value to you. There's no overall limit to how many times you can earn credit card sign-up bonuses. However, individual card issuers may have rules in place to keep you from earning a bonus on a particular card or "family" of cards more than once.

The idea behind such rules is to keep people from applying for the card, earning the bonus, canceling or downgrading the card, then applying anew and earning another bonus. Read the terms and conditions of any bonus offer to see what restrictions are in place.

Generally speaking, cash back credit cards have lower spending requirements for earning their bonuses. Legally speaking, credit card rewards — including bonuses — are not income.

Instead, the IRS considers them a discount or rebate on purchases made with the card. Therefore, they're not taxable. This tax treatment is an additional reason why credit card bonuses must be earned through spending, and why the required spending amount is larger than the bonus itself.

You've saved some money, but you haven't made any money. Contrast this with the bonuses you can sometimes earn for opening a checking or savings account at a particular bank.

With these promotions, you do come out ahead. To view rates and fees of the American Express® Gold Card, see this page.

To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page. To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty.

A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards. A sign-up bonus is a promotion offered by a credit card issuer to entice you to apply for a card and begin using it regularly. The term "sign-up bonus" is a bit of a misnomer because in most cases you don't get the bonus just for signing up; you have to earn it by spending money.

That's why some issuers use terms like "bonus offer," "welcome offer" or "new cardholder offer" rather than sign-up bonus. Sign-up bonuses give you a lump sum of cash back or a large number of points or miles if you spend a certain amount using the card in a specified time period, usually the first few months after opening the account.

After you complete the required spending, the bonus is applied to your account. Separate from that lump-sum bonus, or in addition to it, some credit card sign-up offers include a more valuable rewards structure for a limited time such as a higher rewards rate in the first year or a special perk for new cardholders such as free hotel nights or one-time discounts.

The value of a sign-up bonus depends on the type of card. Travel credit cards and small-business credit cards tend to have the highest bonuses. Cards with annual fees typically offer higher sign-up bonuses. Cash-back bonuses are usually lower but easier to earn. As a general rule, new cardholders are required to complete a certain amount of spending on the new card before earning the bonus.

With cards that award bonuses in points or miles, the values can differ widely. Not usually. Most bonuses have a spending requirement to earn the bonus, whether making a single purchase or spending hundreds or even thousands of dollars in the first few months of card ownership.

The bonus is paid after the requirement is met. As the name would suggest, cash-back credit cards usually pay their bonuses in cash, as opposed to points or miles.

Advertiser disclosure BEST OF Best Credit Card Bonuses for New Cardholders of February By NerdWallet. Many or all of the products featured here are from our partners who compensate us.

A cash-back credit card allows cardholders to earn a percentage back on eligible credit card spending. Typically, a cardholder can redeem 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 awards you cash – or a cash-like reward – for every dollar charged to the card. For example, if the card awarded 2% back on all

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Cashback credit card promotions - Cash back credit cards earn a small percentage of your purchases back, redeemable in the form of statement credits, gift cards A cash-back credit card allows cardholders to earn a percentage back on eligible credit card spending. Typically, a cardholder can redeem 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 awards you cash – or a cash-like reward – for every dollar charged to the card. For example, if the card awarded 2% back on all

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. Other cards offer more potential and upside when it comes to redeeming cash back. BEST FOR CASH BACK. Best for entertainment cash back. Capital One SavorOne Cash Rewards Credit Card. Why We Chose It The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee.

The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. Cons If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.

Best for small businesses. Ink Business Cash® Credit Card. Why We Chose It The Chase Ink Business Cash is an excellent no annual fee card for small business owners. There is no annual fee which is perfect for small business owners. No Annual Fee Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

Best for beginner cash back. Blue Cash Everyday® Card from American Express. Why We Chose It The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee.

supermarkets No annual fee. online retail purchases. Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants.

supermarket bonus category, which may not work for those with larger annual grocery spend. Balance Transfer is back! After that, Comparing the best cash-back credit cards Credit card. Apply Now. gas and supermarkets. simple cash-back. Open Rewards rates 1. business card with unlimited cash back.

balance transfers. bonus categories. flat-rate cash back. entertainment cash back. small businesses. beginner cash back. Blue Cash Preferred® Card from American Express What we love Who it's for Why it's in my wallet Alternatives. This site does not include all credit card companies or all card offers available in the marketplace.

Cash Back Credit Cards. Menu Advertiser Disclosure. Capital One Quicksilver Cash Rewards Credit Card. Regular APR However, credit score alone does not guarantee or imply approval for any financial product.

Capital One SavorOne Cash Rewards Credit Card. Citi Custom Cash® Card. 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. Show more Show less. Capital One QuicksilverOne Cash Rewards Credit Card. Earn unlimited 1. Terms apply Monitor your credit score with CreditWise from Capital One.

Fortiva® Mastercard® Credit Card. Apply online Secure. Citi Double Cash® Card. To earn cash back, pay at least the minimum due on time. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

APR: 3. Issuer Customer Experience: 5. Why we like this card At first glance, the Bank of America® Unlimited Cash Rewards credit card looks a lot like the other flat-rate cash back credit cards on the market — and, candidly, it is.

Cons Depending on your spending habits and financial portfolio, you may be able to earn more with other cash back credit cards. Bottom Line The ability to receive a rewards boost makes this a prime choice for existing Bank of America customers who are looking for a flat-rate cash back credit card.

Earn unlimited 1. That means you could earn 1. No annual fee. View All Bank of America® Unlimited Cash Rewards credit card Details. Citi Custom Cash® Card.

Rewards Value 3. APR 3. Rewards Flexibility 3. Features 3. Makes an excellent partner card to pair with other ThankYou point-earning and cash back Citi cards. You only earn boosted cash back in one category per billing cycle, so you may need to track your spending in order to maximize rewards.

Bottom Line The Custom Cash Card offers a unique way to earn stellar cash back on a range of categories, but its spending cap makes it an even better partner alongside another Citi ThankYou card.

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.

View All Citi Custom Cash® Card Details. BEST FOR UNLIMITED REWARDS. Capital One Quicksilver Cash Rewards Credit Card. Terms apply 1. Rewards Flexibility: 5. Pros Unlimited 1. Generous introductory APR offer on purchases and balance transfers.

View All Capital One Quicksilver Cash Rewards Credit Card Details. Discover it® Cash Back. Apply now at Discover's secure site. Intro offer Cashback Match More information Close Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover.

Annual Percentage Rate: 4. Features: 2. Why we like this card Although rotating category cards may seem complicated, Discover makes its card more reliable and lower-cost than competitors.

Bottom Line Discover it Cash Back is a lower-cost, more predictable alternative compared to some competing rotating bonus category cards.

Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. Redeem your rewards for cash at any time. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Then Terms and conditions apply.

View All Discover it® Cash Back Details. BEST FOR STUDENTS. Discover it® Student Cash Back. Our rating: 5. Just a dollar-for-dollar match.

Overall rating Our rating: 5. Introductory Offer 3. Interest and Fees 3. Rewards Program 5. Features 4. Why we like this card When it comes to rewards and student-centric benefits, the Discover it Student Cash Back is possibly the best student card available. One of the few student cards to offer an intro purchase APR.

Cons Activating the rotating categories each quarter can be cumbersome, especially for those new to credit cards. No purchase or travel protection benefits and few perks outside the rewards and low fees.

Bottom Line The Discover it® Student Cash Back card tops many student cards by offering remarkably high rewards and low costs with no credit history required. No credit score required to apply.

No annual fee and build your credit with responsible use. Intro Balance Transfers APR View All Discover it® Student Cash Back Details.

Upgrade Cash Rewards Elite Visa®. Apply now at Upgrade's secure site. Rewards rate 2. Rewards value 4. APR 2. Rewards Flexibility 2. Features 2. The limited fees and installment payment plan may give you a chance to pay off debt faster while paying less in interest charges than you would with a traditional credit card.

The limited redemption options make this a poor choice for a one-card wallet, especially for travelers who want to earn transferable rewards.

Bottom Line The Upgrade Elite is packed with enough features and benefits to make it a strong contender for best flat-rate rewards credit card. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

View All Upgrade Cash Rewards Elite Visa® Details. Back to top. On this page Our top picks Cash back credit card details What are cash back credit cards? S supermarkets, U.

gas stations, U. No rotating categories. No enrollment. No need to think about which card to use for each purchase. Bottom line : The Active Cash Card is a hassle-free credit card for people who value simplicity and consistent flat-rate cash rewards over earning high rewards in specific categories.

Best for flexible cash back categories: Bank of America® Customized Cash Rewards credit card Best features : The Bank of America Customized Cash card gives you the freedom to change your bonus category once per calendar month, allowing you to tailor your rewards to your spending habits.

Alternatives : If you enjoy choosing your own categories to maximize rewards, the U. While this takes a little more effort to maintain, it also gives you more chances to earn cash back in a variety of categories. Bottom line : The Bank of America Customized Cash Rewards credit card is a solid choice for people looking to earn rewards in a wide variety of categories while avoiding an annual fee.

Plus, its broad entertainment category covers everything from concert tickets to tourist attractions and amusement parks. Biggest drawbacks : Since its bonus categories are focused on food and entertainment, it may not make sense as an all-purpose rewards card. Learn how to decide what Capital One Savor card is right for you.

Bottom line : Food and entertainment enthusiasts will have a hard time finding a no-annual-fee See Rates and Fees credit card that matches the benefits of the SavorOne Cash Rewards Credit Card.

Alternatives : The Wells Fargo Active Cash® Card offers the same flat rate of 2 percent cash rewards on purchases but stands out by offering an intro APR on both new purchases and qualifying balance transfers.

Bottom line : This uncomplicated flat-rate cash back card would be a good match for someone who values flexibility. Best for U.

Plus, there are no rotating categories or enrollment to worry about. Read more on how our expert, Brady Porche, uses the Blue Cash Preferred card. It charges no annual fee and offers a decent rewards rate not only at U. supermarkets, but also on U.

online retail purchases. Learn how to decide which Blue Cash card is right for you. Plus this no-annual-fee card has enough additional benefits to give the Blue Cash Everyday Card and even some cards with an annual fee a run for their money. Bottom line : While this card has huge rewards potential, the best rates are reserved for people with sizable account balances.

That should appeal to rewards seekers looking for a no-maintenance credit card. Alternatives: If you like the idea of customized rewards but want a single card that earns in multiple categories at once, a great alternative could be the Bank of America Customized Cash Rewards credit card.

Best for unlimited rewards: Capital One Quicksilver Cash Rewards Credit Card Best features : Ideal for people who prefer to keep it simple, this gimmick-free card has no annual fee See Rates and Fees and offers unlimited 1.

Rewards remain valid for the life of the account and there are no caps on how much you can earn. Read more on If the Capital One Quicksilver Cash Rewards card is worth it.

Biggest drawbacks : The 1. Alternatives : The Chase Freedom Unlimited card is another relatively simple cash back card. Bottom line : While other cards offer higher cash back rates, the simplicity of unlimited 1. Best for rotating categories: Discover it® Cash Back Best features : Discover will automatically match all of your cash back earnings at the end of your first year.

This is a popular incentive that encourages you to use the credit card often in the first year. Bottom line : The Discover it Cash Back is a solid pick thanks to its generous cash back rate in a wide variety of popular and practical rotating categories.

Read more on how credit card expert, Ana Staples, uses the Discover it® Cash Back card. Biggest drawbacks : The rewards program can be a bit confusing and takes some work compared to flat-rate cards and other cash back cards with a more straightforward rewards structure.

Biggest drawbacks : Rewards are not flexible and are automatically put toward paying off your balance. Alternatives : If you prefer the simplicity of a traditional flat-rate credit card, the Wells Fargo Active Cash® Card has a straightforward welcome bonus and earns an unlimited 2 percent cash rewards on eligible purchases.

What are cash back credit cards? How to calculate cash back Exactly how much cash you earn back per purchase will vary depending on the terms of your card and the type of purchase you make. Simply set and forget earnings until you want to redeem your rewards. Drawbacks: On the flip side, you could also lose out on rewards by not using a card with bonus categories that you would frequently spend more than on everyday purchases.

A great option: The Citi Double Cash® Card. That way, you get the best of both worlds and you never have to settle for a low rate of cash back. Benefits: Cash back rates for tiered categories can be quite high. There are even cards that allow you to choose and change your own bonus category once per calendar month, like the Bank of America® Customized Cash Rewards credit card.

Benefits: Rotating categories often correspond with the time of year, which can help you make the most of seasonal expenses, like holiday purchases or a summer road trip. Drawbacks: Keeping track of changing categories can be too much work for some users who then risk losing out on rewards.

A great option: The Discover it® Cash Back. Pros Flexibility. Earning and redeeming rewards is generally straightforward.

You can typically cash in rewards as a statement credit and there are low-to-no minimums for redemption across popular cards.

Many cash back cards carry low-to-no annual fees. Easy welcome offers. Cash back sign-up bonuses tend to have low spending requirements.

Travel credit card spend requirements tend to run much higher. Credit building potential. When you use a cash back card responsibly, it helps build your credit profile by not only adding to your overall credit history, but improving your credit utilization with increased access to credit.

Cons Pricey APRs. Cash back credit cards are rewards credit cards, meaning their APRs tend to be higher than no-frills credit cards. Limited value. Less lucrative sign-up bonuses. Cash back sign-up bonuses are generally less lucrative than the big sign-up bonuses you see associated with travel or business credit cards.

High credit requirements. Most cash back credit cards require at least a good to excellent credit score rating to on the FICO scale to increase the likelihood of approval. Who should get a cash back credit card The strategic spender. With this helpful strategy, pair a credit card that offers a high rewards rate for your large, frequent purchases with a straightforward flat-rate card to cover everything else.

The minimalist.

Key Cashback® Credit Card · Earn up to 2% cash back on every purchase (when you meet certain criteria) · No caps, limits, or annual fee · Special Introductory APR Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives ; Chase Freedom Unlimited®: Best for Bonus rewards: 5 A cash-back credit card awards you cash – or a cash-like reward – for every dollar charged to the card. For example, if the card awarded 2% back on all: Cashback credit card promotions

Here are the best travel credit cards Cashback credit card promotions can save you hundreds on Business credit card reward statement next vacation. Oromotions 3. Free Credit Report. Crddit few cards also have a cardd rewards rate in travel and other everyday categories. Auto Refinance Loans. In most cases, though, the bonus shows up in your rewards balance, alongside the points, miles or cash back you earn from your spending. It combines a strong base rewards rate with an introductory APR offer and high travel rewards when you book through Chase Ultimate Rewards.	Our rating: 5. Once you enter your email and agree to terms:. What to know about paying taxes on sports bets Elizabeth Gravier. com with your Blue Cash Preferred® Card. Overdraft protection transfers may not be available for up to 14 days from account opening.	A cash-back credit card allows cardholders to earn a percentage back on eligible credit card spending. Typically, a cardholder can redeem 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 awards you cash – or a cash-like reward – for every dollar charged to the card. For example, if the card awarded 2% back on all	Learn more about cash back rewards credit cards from Discover · Cashback Match: Only from Discover as of December · Acceptance · Rewards Redemption: · Use Rewards. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and NerdWallet's Best Credit Card Bonuses for New Cardholders of February ; Wells Fargo Active Cash® Card: Best for $ cash rewards bonus	Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives ; Chase Freedom Unlimited®: Best for Bonus rewards: 5 Browse U.S. News picks for the best cash back credit cards. We help you compare cash back credit cards to select the one that can earn the most with your Cash back credit cards earn a small percentage of your purchases back, redeemable in the form of statement credits, gift cards
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