Earn unlimited cash rewards on purchases with no categories to track or quarterly activations. Apply now on this page to take advantage of these offers. Balance transfers made within days qualify for the intro rate and fee. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch.

You must select Apply now on this page to take advantage of this specific offer. View credit cardholder agreements. You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

Refer to the Summary of the Wells Fargo Rewards ® Program Terms and Conditions and the Wells Fargo Active Cash Visa ® Card Addendum for further details. These bonus cash rewards will show as redeemable within 1 — 2 billing periods after they are earned.

Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards ® Program Terms and Conditions and the Wells Fargo Active Cash Visa ® Card Addendum for details.

You are leaving wellsfargo. com and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

Wells Fargo has provided this link for your convenience but does not control or endorse the website and is not responsible for the content, links, privacy policy, or security policy of the website.

He was one of the original contributors to The Points Guy, and his work has been appearing there since He has also contributed to over of the leading personal finance and travel outlets.

Cash back credit cards earn a small percentage of your purchases back, redeemable in the form of statement credits, gift cards, direct deposits or more.

Many of these cards earn cash back on eligible categories automatically, with some requiring quarterly activations to achieve the highest rate. The best cash back cards on the market offer high cash back rates and flexible reward categories, letting you earn anywhere from 1 percent to 6 percent cash back on common spending items, including travel, groceries, gas and more.

Here are the best cash back cards on the market for February We helped over , users compare cash back cards in We valued and compared over 50 cash back programs.

Over 47 years of experience helping people make smart financial decisions. At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners.

Here's an explanation for how we make money and how we rate our cards. Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

However, credit score alone does not guarantee or imply approval for any financial product. If you prefer not to keep up with bonus categories or spending caps, this card offers a simple solution: unlimited 2 percent cash rewards on purchases.

It also comes with one of the most generous intro APR offers available on a cash rewards card, giving it terrific long-term value even after you pay off debt. Read our full Wells Fargo Active Cash Card review.

It also offers a great mix of bonus categories, ranging from everyday staples like dining to unique options like home improvement stores. Read our full Bank of America Customized Cash Rewards credit card review.

The sign-up bonus is competitive, too, offering a nice chunk of change with a relatively small spending requirement. Read our full Capital One SavorOne Cash Rewards Credit Card review. To earn cash back, pay at least the minimum due on time.

Its unlimited flat cash back rate makes it a perfect standalone low-maintenance card or great for stacking with cards that earn at a higher rate in specific categories. Read our full Citi Double Cash Card review. streaming subscriptions. This card offers one of the highest rewards rates you can get at U.

supermarkets, making the annual fee more than worth it if you spend a lot on groceries. Read our full Blue Cash Preferred Card review. The Bank of America Unlimited Cash Rewards credit card offers a well-balanced package of features, including an elevated cash rewards rate on all purchases.

But qualifying Bank of America loyalists can receive a cash back boost that transforms the card into one of the most lucrative flat-rate cash back cards available. Read our full Bank of America Unlimited Cash Rewards credit card review.

Since its bonus category automatically adjusts based on where you spend most, this card can be a great option if you want a simple rewards card.

Read our full Citi Custom Cash Card review. Terms apply Earn unlimited 1. This card earns an unlimited flat cash back rate and comes with a few enticing perks and benefits, plus a solid welcome offer. Read our full Capital One Quicksilver Cash Rewards Credit Card review.

Intro Offer: Unlimited Cashback Match for all new cardmembers — only from Discover. Read our full Discover it® Cash Back review. Earn 2. This card combines the convenience of a credit card with the predictability of an installment loan, allowing you to earn rewards as you pay off purchases at a fixed interest rate.

In fact, it carries one of the highest flat cash back rates you can get with no annual fee. Read our full Upgrade Cash Rewards Elite Visa® review. Intro offer is not available for this USAA credit card. Earn unlimited 1. This card's unlimited flat rewards rate, straightforward redemption options, intro purchase APR offer and potentially low ongoing APR should appeal to USAA members looking for a streamlined rewards card.

The stellar rewards rate is the card's standout feature, but the relatively lengthy intro APR for both purchases and balance transfers makes it hard to pass up if you want to earn rewards and save on interest during the intro period.

Learn more: Wells Fargo Active Cash benefits guide. Read our Wells Fargo Active Cash Card review or jump back to offer details. Read our Bank of America Customized Cash Rewards credit card review or jump back to offer details. Best for dining and entertainment rewards.

Not only does it have various ways to earn if you are a foodie, its entertainment category packs in a lot of value. Purchases that would earn just 1 percent back with most other cash back cards, like movie tickets and sporting events, earn 3 percent cash back too. Restaurant-goers, grocery shoppers and even social butterflies can find something to love about this card.

Read our Capital One SavorOne Cash Rewards Credit Card review or jump back to offer details. The rewards structure incentivizes you to stay on top of your payments. Hands-off rewards earners.

Cardholders get a straightforward cash back card for no annual fee without tracking or enrolling in tiered categories. If you want to make a large purchase and save on interest charges during an intro offer, consider the Wells Fargo Active Cash Card.

It earns the same flat rate rewards on purchases but comes with a long intro APR offer for purchases and balance transfers. Learn more: Why expert Holly Johnson loves the Citi Double Cash Card. Best for grocery rewards. Best for Bank of America customers.

While the card has a solid cash back rate on general spending, it also boasts a decent intro APR and welcome offer for no annual fee.

Learn more: Is the Bank of America Unlimited Cash Rewards card worth it? Read our full Bank of America Unlimited Cash Rewards credit card review or jump back to offer details.

Best for automatic bonus category. For example, the Capital One SavorOne earns unlimited rewards on dining, entertainment, grocery stores and more. Best for 1. If you spend most in a specific category like groceries or gas, consider cards that earn bonus rewards in those categories. The Bank of America® Customized Cash Rewards credit card even gives cardholders the option to change their highest cash back category once per calendar month.

Best for rotating cash back categories. It's possible to earn more with a flat-rate cash rewards card like the Citi Double Cash Card or Wells Fargo Active Cash without the hassle of activating new bonus categories each quarter. Best for personal loan alternative. Best for USAA members. Along with its streamlined cash back program, this card carries a generous intro purchase APR offer and a chance at a low ongoing APR, so it could strike a nice balance if you want a simple way to earn rewards while minimizing interest charges.

A card like the Citi Double Cash Card should offer better long-term value since it earns 2 percent cash back on all purchases 1 percent when you buy and 1 percent when you pay off purchases.

Read our full USAA Preferred Cash Rewards Credit Card review or jump back to offer details. You can also pool your points for a high redemption value in travel through Chase Ultimate Rewards.

People who only want a single everyday rewards card and frequent travelers looking to avoid annual fees and earn bonus rewards on more than just travel. Best for fair credit.

Credit-builders who want to earn cash back and extend the ongoing value of their credit-building card. Best for online shopping.

The card features one of the highest year-round reward rates for online shopping at Amazon. com, which includes Whole Foods Market.

Whole Foods shoppers and Amazon Prime members who can take advantage of 5 percent back for both online purchases and groceries, a rare offer.

Best for 2. Best for bad credit. Best for customizable rewards. Cash back credit cards reward you for eligible purchases by giving you a percentage of your purchase price back. The flexibility, simplicity and ongoing value of cash back cards make them one of the more popular types of credit cards on the market.

Chances are if you frequently spend on groceries , gas or other essentials, there's a cash back card that's a great fit for your wallet. While cash back cards can put hundreds of dollars per year back into your wallet, they can also come with drawbacks. Here are some advantages and disadvantages of carrying a cash back card.

Earn rewards : If you pick a card that fits your spending habits, you can earn some extra cash every month just by using your credit card. Build credit : Used responsibly, a cash back credit card can help you improve your credit score by adding to your credit history. Sign-up bonuses : A first-year sign-up bonus or welcome offer can be worth a few hundred dollars if you can meet the spending requirement.

Some cards also hit you with a higher penalty APR if you are late making a payment, which can last a year or more. Can be high maintenance : Some cards require you to periodically activate or enroll in your cash back category to earn cash back rewards.

Fewer travel perks : You might not see a ton of travel benefits on cash back cards, like lounge access, free hotel room upgrades or a TSA Precheck application statement credit. Cash back cards come in many forms. The best one for you depends on your spending habits and lifestyle.

Before you apply, make sure you know the types of cash back cards available. Flat-rate cash back cards offer the same rewards rate for each eligible purchase. Tiered cash back cards offer different rates of cash back for different types of purchases, plus a flat rate of cash back on everything else.

For example, a tiered card may offer a boosted cash back rate of 3 percent on restaurant purchases, while all other purchases earn 1. To maximize your cash back earnings, carry multiple tiered cards that reward your most common purchases at high rates.

Some credit cards offer bonus categories that change based on your preferences, your spending habits or the time of year. Here are a few of the most common bonus category structures. Some of the most lucrative cash back credit cards require a paid membership. Co-branded credit cards with membership requirements generally let you earn rewards and extra perks at specific stores or service providers.

Some credit unions also offer cash back card options to their members. Since credit unions are controlled and financed by members themselves, these members will often reap the benefits of more favorable interest rates and fewer banking and penalty fees than a not-for-profit institution. Membership requirements vary by credit union.

Cash back cards differ in the reward categories they offer, though there are a few common categories you can expect to find. This should be your starting point. Most of the best cash back credit cards require at least good credit. Evaluate your expenses to determine which cards reward the highest for your top spending categories.

Be sure the places you shop most are eligible for rewards based on how each card defines its bonus categories. A card's sign-up bonus can add significantly to its short-term value. Make sure the spending requirement is fairly easy to reach, as carrying a balance will cut into your earnings. Flat-rate credit cards are a great option to earn consistent cash back on all purchases with minimal effort.

Bonus category cash back cards can offer higher cash back rates but require strategic spending to maximize rewards.

Factor ongoing costs of keeping the card. For instance, you might decide a card's annual fee is worth it if you can offset the cost with rewards and perks.

Interest rates and common credit card fees , like late charges and balance transfer fees, can also eat into your cash back earnings.

Cash back cards may come with an assortment of perks that can add value to your wallet, such as statement credits on select subscription services. Rotating category cards typically require you to enroll in or activate your bonus cash back categories for the upcoming quarter to earn the higher bonus rate.

Welcome bonuses can deliver a substantial amount of value, and some cards are worth getting for the welcome bonus alone. Leaving this value on the table is a missed opportunity. Just make sure you won't have to overspend to meet the spending requirement. A combination of cards will allow you to maximize your cash back opportunities when making purchases.

Shopping portals are common on many cash back cards. When I first got into rewards strategy, I went a little overboard, carrying a card for every spending category I could think of, constantly switching based on where I was shopping or which bonus category was available in a given quarter.

I even had a spreadsheet I used to track my purchases and cash back earnings. It eventually became a headache, though. Now I take a more streamlined approach, focusing on a few key spending categories as I try to strike a balance between high earnings and low maintenance.

Is my stack perfect? Definitely not. 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.

But for now, five cards is plenty to juggle. People who spend across a wide variety of categories can often combine cards from the same issuer for greater effect. For example, by having a Chase Freedom Flex, Chase Freedom Unlimited and a Chase Sapphire card, you can use the Chase Trifecta 's bonus categories to maximize rewards.

Americans are starting off by breaking records, though not the kind we should celebrate. Credit card delinquency remains low, according to the Fed, but carrying a balance for any length of time usually means people are paying more for their purchases than the purchase price.

Pay your balances in full and on time at the end of each statement period to avoid carrying interest on your account. This could help you move towards using your cards as a financial tool and not a crutch.

When evaluating the best cash back cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks.

Whenever possible, we also feature cards that are available at various credit levels and price points. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories.

We also estimate the redemption value of points or miles from various rewards programs. With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

We also score cards based on how much it costs to keep them in your wallet or carry a balance. To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee.

After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value such as annual credits or bonuses stack up against those of other cards in the category when you subtract annual fees. That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards.

We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners. In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us Bankrate. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.

See the respective Guide to Benefits for details, as terms and exclusions apply. The card details have not been reviewed or approved by the card issuer. The right credit card for you will depend on your spending habits and the perks that matter most to you.

Travel cards are great for people who know they want to redeem rewards for travel expenses like airline and hotel bookings. Travel cards also make sense if you want perks like hotel or airline elite status, free checked bags , free hotel stays or airport lounge access.

But even some of the best travel credit cards for beginners charge an annual fee, and the fee for premium travel cards that offer luxury perks can be quite high.

Cash back cards can be simpler to use and offer more flexibility in how you can earn and redeem rewards, with some allowing you to use rewards for cash back, travel spending and more. You may not receive cold, hard cash, but issuers offer redemption options like a direct deposit into a checking account, mailed checks, statement credits or gift cards.

Perhaps the closest you can get to redeeming rewards for physical cash is through a Wells Fargo card that allows you to redeem for cash withdrawals at eligible ATMs.

It depends on how you plan to redeem your rewards. If you plan to deposit your cash rewards into a high-yield savings account, it's best to redeem often so that you don't lose out on interest. However, if you prefer to use your rewards for travel, you might save up your rewards to help cut future travel costs.

In fact, your cash back might be worth more if you redeem through an issuer's travel portal , like Chase Ultimate Rewards. To maximize your earnings, check your issuer's redemption options and be strategic in how and when you redeem.

Flat-rate cards do not require any pre-planning, which is great. You buy what you buy and earn cash back at the same rate for everything. To make the most of cash back cards that have rotating categories, however, you have to pay a bit more attention.

For example, if a card offers 5 percent cash back at Amazon in Q4, you may consider doing most of your holiday shopping through that site. I like to have both a flat-rate and rotating cash back card in my wallet — particularly a flat-rate card that earns at a higher rate usually 1. I have found the most difficult part of maximizing rotating category cash-back cards is keeping track of which categories are currently earning bonus cash back.

Setting reminders and keeping a rewards calendar helps, especially if you have multiple cards of each type. Of course, you also want to make sure you are putting the right expense on the right card to maximize the rewards.

Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Apply for a credit card with confidence. When you find your odds, you get:. A personalized list of cards ranked by likelihood of approval.

No credit hits. Your personal information and data are protected with bit encryption. That means:. All of your personal information is protected with bit encryption.

Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds. Your financial information, like annual income and employment status, helps us better understand your credit profile.

Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan.

Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio DTI which is your monthly debt payments divided by your pre-tax monthly income. Why does DTI matter? We need the last four digits of your social security number to run a soft credit pull.

We need the last four digits of your Social Security number to run a soft credit pull. This helps us locate your profile and identify cards that you may qualify for.

Your information is protected by bit encryption. A soft credit pull will not affect your credit score. Last step!

Once you enter your email and agree to terms:. Your approval odds will be calculated. A personalized list of cards ranked by order of approval will appear. Your odds will display on each card tile. Enter your email address to activate your approval odds and get updates about future card offers.

You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results. You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer.

To apply for a product you will need to submit an application directly with that provider. Seeing your results won't hurt your credit score. Applying for a product may impact your score.

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Before you apply You get:. Access to special card offers from top issuers in our network. You can check out other cards that are a better fit. Credit Cards Cash Back Advertiser Disclosure Advertiser Disclosure Bankrate. Steve Dashiell. Written by Steve Dashiell Arrow Right Editor, Credit cards.

Nouri Zarrugh. Edited by Nouri Zarrugh Arrow Right Senior Editor, Credit Cards. Jason Steele. Reviewed by Jason Steele Arrow Right Former contributor, Credit Cards. Credit Card Search View card list Menu List Table of contents Why choose Bankrate Caret Down User We helped over , users compare cash back cards in Circle Check We valued and compared over 50 cash back programs.

Lightbulb Over 47 years of experience helping people make smart financial decisions. The Bankrate Promise. User We helped over , users compare cash back cards in Why choose Bankrate The Bankrate Promise. The Bankrate Promise At Bankrate we strive to help you make smarter financial decisions.

View card list Collapse Caret Up. Table of contents Collapse Caret Up. Increase your odds of finding the perfect card. Increase your odds of finding the perfect card 1 in 3 people w ho try approval odds find a card they like.

See your approval odds. Featured cash back Card. Apply now Lock on Wells Fargo's secure site. Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card. Rating: 4. Bankrate review. appOddsOn { aoProduct. Apply now Lock. Intro offer. Annual fee. Regular APR.

Pros This card offers one of the highest flat cash rewards rates available for a no-annual-fee card. In addition to a lengthy intro APR, you can also take advantage of varied redemption options like redeeming cash rewards at a Wells Fargo ATM.

The 3 percent foreign transaction fee could eat into cash rewards if you use this card abroad. 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. Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card. Apply now Lock on Bank of America's secure site. Pros You can swap your choice category once per calendar month to maximize rewards based on your spending habits.

Cons The spending cap on your highest earning categories could hamper your earning potential. It carries a high sign-up bonus spending requirement twice as high as some rivals in the cash back card category. That means you could earn 3. Contactless Cards - The security of a chip card, with the convenience of a tap.

Cash back rewards are actual cash that can be applied to a credit card bill or received as a check or bank account deposit. Cash back apps and websites can Automatically earn up to 15% cashback from participating retailers when you use your Visa debit card linked to your Blue Rewards account; Get personalised A cash back credit card is a type of rewards card that you can use to earn cash on purchases. A cash back card can be a little easier to use

Cash back rewards - Which? explains how to find the best cashback and reward credit card, and the pros and cons of using them Cash back rewards are actual cash that can be applied to a credit card bill or received as a check or bank account deposit. Cash back apps and websites can Automatically earn up to 15% cashback from participating retailers when you use your Visa debit card linked to your Blue Rewards account; Get personalised A cash back credit card is a type of rewards card that you can use to earn cash on purchases. A cash back card can be a little easier to use

Here are some examples:. Credit card cashback offers benefits to customers thanks to deals made between credit card companies and the retailers they work with. For every purchase a customer makes with their card, the retailer has to pay a certain percentage back to the card company.

The credit card company then passes some of this payment back to the customer in the form of cashback. Debit card cashback is generally cashback paid directly from the bank to the customer.

Website cashback. Websites like Ebates or Rakuten work much like credit cards in that they are able to make deals with certain retailers to secure cashback rewards for their own customers.

Many sites now offer a cashback app to help make your reward-tracking even easier. However, if you live in the European Economic Area, GDPR regulations make it nearly impossible to create accounts with these most of these sites. With N26 Business accounts, there are no hidden fees, so you can enjoy worry-free cashback on all your business expenses.

N26 Business accounts are specifically designed to help freelancers get the extra support they need. Enjoy 0. Sign up in minutes, and start earning cashback right away.

Standard, Smart, and You customers earn 0. Your cashback will be automatically added up and credited to your account every single month. Categorize your spending by adding tags to catalogue each transaction—such as invoice expense cashback interest.

N26 Rules allows you to set up automatic transfers to your N26 Spaces sub-accounts, so you know your monthly expenses are always covered and can continue spending with confidence. N26 Business accounts offer more than just cashback. Every N26 account comes with access to exciting perks, giving you discounts on the brands you love.

There are many different types of cards that offer cashback. Traditionally a credit card benefit, some debit cards now offer cashback as well. The types of cards available to you are dependent on certain criteria like where you live, what kind of income you earn, and so on.

With N26, cashback is available on all card payments made from N26 Business accounts. Yes, N26 offers 0. Business Metal accounts receive 0. Plus, all N26 premium account holders get special discounts with partners thanks to N26 Perks.

A cashback credit card pays you back a small percentage of the money you spend in certain situations. Bank credit card. Your U. Bank Shopper Cash Rewards ® Visa Signature ® Credit Card is eligible to use at the Rewards Center Shopping Deals.

Shopping Deals is the easiest way to earn additional cash back while shopping online at over 1, stores using your Shopper Cash Rewards ® Card. Earn everyday cash back on your credit card and then earn additional cash back by shopping through the Rewards Center Shopping Deals.

By using the Rewards Center Shopping Deals with your U. Earn cash rewards on your credit card purchases and then earn additional cash rewards by shopping through the Rewards Center Shopping Deals. Bank Shopper Cash Rewards ® Visa Signature ® Credit Card is eligible for Real Time Rewards, a redemption method that instantly turns your purchases into rewards.

You can use your mobile device to redeem cash rewards earned on your Shopper Cash Rewards ® Card. Once enrolled, redemption is quick and easy. Make a purchase on your U. Bank Shopper Cash Rewards ® Visa Signature ® Credit Card. Reply "REDEEM" to complete the redemption.

You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem. Your cash rewards will be deducted from your cash rewards balance and redeemed in the form of a credit to your monthly billing statement.

See program rules for additional details. If your credit card account is eligible for a U. Use our comparison tool to compare benefits like rewards, APR and welcome offers for up to three cards. Bank may change APRs, fees and other account terms in the future based on your experience with U.

Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets ; interest charges and fees; credit insurance premiums; and transactions to i fund certain prepaid card products, ii buy currency from the U.

Mint, or iii buy cash convertible items. Purchases qualify for rewards based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

Account must be open and in good standing not past due on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.

com for additional information. The variable APR for Cash Advances is Bank ExtendPay ® Fees: A monthly fee not to exceed 1. Bank ExtendPay ® Plan or U. Bank ExtendPay ® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance.

ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR.

Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. Bank Shopper Cash Rewards Visa Signature Card within days after Account opening. Cash Rewards are earned on eligible Net Purchases. Please allow weeks for your bonus cash rewards to be credited to your Account.

The bonus is not available to Cardmembers who currently have, or had, a U. Bank Shopper Cash Rewards Visa Signature account. Use of the Card is subject to terms and conditions of the U. Bank Shopper Cash Rewards Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time.

This offer may not be combined with any other bonus offer. By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud.

See our Privacy Policy for how we treat your data. You must enroll each quarter into two retailers and one purchase category of your choice, or all net purchases purchases minus returns or credits will earn no more than 1.

There are no limits on your 1. Merchants that accept Visa credit cards are assigned a merchant code, determined by the merchant or its processor.

Bank makes every effort to include all relevant merchant category codes in its listed Retailer and Purchase Categories. Using flat-rate rewards cards is easy, but the rewards percentage may be lower than what you would earn with a category-specific card.

In fixed categories. Fixed-category rewards cards offer cash back on spending in pre-defined categories like travel, groceries or entertainment. Reward amounts can be higher than with flat-rate rewards cards, but it's up to the card issuer to define the categories and decide which merchants are included.

Within rotating categories. Some category-specific cards offer extra-generous rewards in particular categories for a short amount of time: typically monthly or quarterly.

Sometimes the rotating category is for spending within a broad category like electronics, while in other cases it can apply to spending with a specific retailer. How cash back credit card rewards are paid out to you Cash back credit card rewards are either paid out in dollars or points.

Dollars: Cash rewards are delivered in the form of a check, a prepaid debit card or a credit on your monthly statement, depending on what your card issuer allows.

Points: Points may hold more value than cash when redeemed through the card issuer's reward portal, depending on the card issuer's relationships with merchants.

How to earn cash back on your credit cards You can earn cash back on your credit cards by signing up for a cash back card, making purchases to accrue rewards, and redeeming the rewards through your card issuer. Shop around for the card that suits your spending. Time your spending.

Evaluate the value of the rewards. What to know before signing up for a cash back credit card? Compare credit card cash back bonus offers Many card issuers offer a cash back credit card new cardmember bonus. Find a card. Topics: credit card benefits credit card management. What to read next. credit card basics How Chase is shedding light on complex topics to help you unlock a brighter financial future.

Continue , How Chase is shedding light on complex topics to help you unlock a brighter financial future. credit card basics Some cash back credit cards from Chase. Learn more about cash back credit cards from Chase.

Continue , Some cash back credit cards from Chase. credit card basics How to maximize your Chase Ultimate Rewards® in the Chase Mobile® app.

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