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Personal Cards Skips to Personal Cards Section Business Cards Skips to Business Cards Section. Chase Freedom Unlimited ® credit card. Links to product page. Chase Freedom Unlimited ® credit card card reviews 10, cardmember reviews Opens overlay card reviews 10, cardmember reviews Opens overlay.

AT A GLANCE Earn cash back for every purchase. Apply Now Opens Freedom Unlimited application in new window Learn more Opens Chase Freedom Unlimited Registered Trademark credit card product page.

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Chase Freedom Rise SM Credit Card. Chase Freedom Rise SM Credit Card card reviews Opens overlay card reviews Opens overlay. APR Apply Now Opens Freedom Rise application in new window Learn more Opens Chase Freedom Rise Service Mark credit card product page.

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AT A GLANCE No annual card fee, just cash back on every purchase. Learn more Button links to DoorDash Rewards Mastercard Registered Trademark product page. empty checkbox Compare the DoorDash Rewards Mastercard ® checkmark Comparing the DoorDash Rewards Mastercard ® 0 of 3 cards button disabled Compare Opens compare popup dialog.

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Ink Business Premier SM Credit Card. Ink Business Premier SM Credit Card card reviews Opens overlay card reviews Opens overlay. AT A GLANCE Pay in Full Card with Unlimited Earn Potential Earn 2.

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Advertiser disclosure. Search credit cards. Capital One Quicksilver Cash Rewards Credit Card. Rewards rate. Welcome bonus. Annual fee. Show more.

Credit One Bank® Platinum Visa® for Rebuilding Credit. See if you Pre-Qualify without harming your credit score. Capital One QuicksilverOne Cash Rewards Credit Card. Earn unlimited 1. No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account.

It's that simple. Bank of America® Customized Cash Rewards credit card. First Progress Platinum Select Mastercard® Secured Credit Card. Citi Double Cash® Card. To earn cash back, pay at least the minimum due on time.

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Costco Anywhere Visa® Card by Citi. Discover one of Citi's best cash back rewards cards designed exclusively for Costco members. Earn 1. Your financial future is important. More cards by category. Best cards.

Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card The Wells Fargo Active Cash® Card is a solid option for those looking for a flat- The best credit card that gives 3% cash back in major spending categories is Chase Freedom Unlimited®. It offers 5% cash back on travel through Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards

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Best cashback credit cards - U.S. News' Best Cash Back Cards of February · Discover it® Cash Back · Instacart Mastercard® · Chase Freedom Unlimited® · Discover it® Chrome · Blue Cash Best Flat-Rate Cash-Back Card: Wells Fargo Active Cash® Card The Wells Fargo Active Cash® Card is a solid option for those looking for a flat- The best credit card that gives 3% cash back in major spending categories is Chase Freedom Unlimited®. It offers 5% cash back on travel through Hear from our editors: The best cash back credit cards of February · Best for everyday spending: Chase Freedom Unlimited® · Best for rotating bonus rewards

Earn cash back for every purchase. Earn unlimited 1. Start building credit while earning 1. No annual card fee, just cash back on every purchase.

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In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page. The details for these products have not been reviewed or provided by the issuer. For folks who are just getting into credit card rewards, or who want to keep things simple, cash-back credit cards are a good choice since they don't require much work to use.

The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee.

It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards. Earn an additional 1.

The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®. It's an even better choice if you already collect Ultimate Rewards points with other Chase cards, because you can combine your points and potentially get even more value.

Your rewards are matched by Discover after the first 12 months, and the card has no annual fee. streaming subscriptions. gas stations. Cash back is received as Reward Dollars that can be redeemed as a statement credit or at Amazon. com checkout. The Amex Blue Cash Preferred is one of the best cash-back cards, particularly for consumers who spend a lot of money at U.

supermarkets, use streaming services, or have lots of commuting and gas expenses. The annual fee is worth it if your typical spending lines up with the card's bonus categories. The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries excluding superstores like Walmart and Target , streaming, and entertainment — plus there's no annual fee to worry about.

The no-annual-fee U. If these categories fit your spending habits, you can earn a significant amount of cash back with the card. The Citi® Double Cash Card doesn't come with a lot of bells and whistles.

It's also one of our picks for the best balance transfer credit cards. Some cash-back cards earn a higher percentage in bonus categories, such as groceries, dining, or gas. You can transfer the cash back you earn from these cards to a bank account, use it to pay down your credit card statement, or redeem it for gifts and merchandise.

Cash-back credit cards do give cash, but that's not to say you'll necessarily see the physical cash. You're typically awarded cash back as a credit that you can use to cancel out purchases from your credit card statement, or to redeem for gift cards or merchandise online.

Some cards do let you take your cash as a deposit to your account or as a check. No single credit card offers the most cash back in every category, but there are a few that stand out for high rewards. A cash back card could be better than a travel or rewards card, depending on what you want to do with your rewards.

If you primarily want to put money back in your bank account rather than earn rewards you can redeem for travel, a cash back credit card is ideal — and you usually won't have to pay a very high annual fee, if you have to pay one at all.

To make the most of a cash back credit card, always pay the balance in full each month. Also, read up on rewards rates for different spending areas some cards offer elevated rates in areas like restaurants, gas stations, or supermarkets.

Make sure to actually redeem your cash back instead of letting it pile up, and consider opening a "sister" card from the same issuer. Some cash back cards let you transfer rewards to travel cards from the same bank, then transfer points to airline and hotel partners they're worth the most.

Our guide to earning and redeeming Wells Fargo Rewards details all the ways to use your cash rewards from this card. That's super useful if you have large expenses you want to pay off over time.

The Wells Fargo Active Cash® Card comes with a good array of benefits, which include cell phone protection, roadside dispatch, travel emergency assistance, and access to the Visa Signature® Concierge.

However, it does charge foreign transaction fees, so if you're traveling outside the US, you'll want to pack a different card.

Read our Wells Fargo Active Cash® Card review. If you're looking for a card that combines strong bonus categories with decent flat-rate rewards on non-bonus spending, the Chase Freedom Unlimited® could fit the bill. After that, there's a If you have a major purchase ahead of you, that introductory offer can be useful.

If you also have an annual-fee Chase Ultimate Rewards card like the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , or Ink Business Preferred® Credit Card , you can pool your points from the two cards. Then, you'll be able to transfer the whole body of points to Chase's airline and hotel partners or use them to book travel through Chase with a bonus.

Plus, the Chase Freedom Unlimited® has a substantial welcome offer: additional 1. Read our Chase Freedom Unlimited® review.

Sometimes there's just one major category per quarter, while other times there can be a few different ones. Past categories have included gas stations, local commuter transportation, department stores, drug stores, restaurants, and movie theaters.

These other bonus categories are exactly what you'll find on the Chase Freedom Unlimited®. There's no annual fee. If you prefer a card that earns straight cash back, not points, and like the idea of rotating bonus categories, the Discover it® Cash Back could be a great fit.

Instead of a regular welcome bonus, Discover rewards new cardholders in a different way. After the first 12 months, it will match all of the rewards you earn from the card through the Discover Cashback Match program.

Read our Discover it® Cash Back review. If you're looking for an American Express cash back card, especially if you have a large family that spends a lot on groceries, streaming, and commuting, the Blue Cash Preferred® Card from American Express is an excellent option.

It also comes with a handful of travel and shopping protections, including car rental insurance, return protection, purchase protection, and extended warranty.

If you prefer a no-annual-fee Amex cash-back card, check out the Blue Cash Everyday® Card from American Express instead. Read our Blue Cash Preferred® Card from American Express review. The Capital One SavorOne Cash Rewards Credit Card seems almost custom-made for folks who like to get out and experience life to the fullest.

If you're a foodie, love attending concerts and sporting events, or even enjoy entertaining at home, this card can help you earn a lot of rewards for your spending.

As with all other Capital One credit cards , you won't pay foreign transaction fees on international purchases, so it's great to use when you're out globetrotting. Also, if you don't think your credit score is good enough to qualify for the regular version of the card, and you're currently enrolled in college, you could apply for the student version of the card to convert to the regular version after graduation.

Read our Capital One SavorOne Cash Rewards Credit Card review. If your spending habits tend to change from time to time, this card is worth a look — especially because the list of eligible categories includes lots of common expenses. You can redeem your points for cash back, travel booked through the Citi ThankYou Travel Portal, gift cards, merchandise, and more at a rate of 1 cent per point.

However, you could potentially get more value from your rewards if you also have the Citi Premier® Card or Citi Prestige® Card no longer available to new applicants. That's because you can pool your points in either of these card accounts and then transfer them to airline and hotel partners, including JetBlue, Singapore Airlines, Virgin Atlantic, and Wyndham Rewards.

The U. These strong earning rates put this card high on our list of best US Bank credit cards. As a Visa Signature card, it comes with additional perks including Visa Signature concierge and Visa Signature Luxury Hotel Collection access, travel and emergency assistance, and roadside dispatch.

Read our U. The Citi® Double Cash Card was once our overall favorite flat-rate cash back card. But it's since been overshadowed by the Wells Fargo Active Cash® Card, which offers more benefits, and the same effective cash rewards rate on purchases.

That said, the Citi® Double Cash Card still earns decent flat-rate rewards on all purchases for no annual fee. So if you're looking for straightforward rewards when you spend, this card is worth considering.

With that, the Citi® Double Cash Card also has an advantage if you're looking to open one of the best balance transfer credit cards. The Citi® Double Cash Card doesn't offer a whole lot of other benefits, so it makes the most sense if you're specifically after a generous balance transfer offer or want a card that earns Citi ThankYou points to boost your stash — yes, you can combine the points from this card with other ThankYou points-earning cards like the Citi Premier® Card.

Read our Citi® Double Cash Card review. Applying for a credit card when you're still in college can be a little tricky, because most students don't have a long credit history or high credit score.

Student credit cards are more accessible because they typically only require fair or average credit to get approved. The Capital One SavorOne Student Cash Rewards Credit Card is a great choice if your spending habits are typical of many college students.

There are no foreign transaction fees to worry about, so if you're heading out on a study-abroad program or plan to travel during your summer breaks, using your card won't result in extra charges see rates and fees. Read our Capital One SavorOne Student Cash Rewards Credit Card review.

Cash back credit cards can be an easy way to break into the world of credit card rewards. They come in a few different types:. If you're willing to juggle multiple credit card accounts, there's value in having both cash back and points-earning cards.

If you prefer a single-card strategy, evaluate your goals and consider how much you're willing to pay in annual fees to make the best decision for your situation.

If you're trying to put money back in your wallet, our top recommendations are to transfer your cash back to a bank account or use it to reduce the amount owed on your credit card statement. On the other hand, if you're hoping to earn rewards that you can redeem for travel, a card that earns points is more up your alley.

Our points-earning picks for the best rewards credit cards earn either Amex Membership Rewards points, Chase Ultimate Rewards points, Citi ThankYou Rewards points, or Capital One miles. You can transfer all of these currencies to travel partners and redeem them for things like free flights.

Note that while Capital One calls its rewards currency "miles," they aren't miles with a given airline program. To use a cash back credit card, you'll want to remember that it won't be worth it if you're paying interest or late fees. It's important to pay your balance in full each month, make payments on time, and only spend what you can afford.

Even better, many cash back cards have no annual fee , so you don't have to pay for the privilege of earning rewards. 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. Identify which types of purchases you most often make. If you own a small business, you may want a credit card that offers bonus points for things such as shipping and online advertising.

Optimizing your wallet to match your spending habits can lead to many hundreds of dollars in cash back each year—from purchases you would have made anyway. For example:. If so, you should open a credit card that earns cash back that can be turned into airline miles or hotel points, such as the Chase Freedom Flex or Citi Custom Cash.

All things being equal, grab the credit card with the biggest welcome bonus. If it turns out not to be the card for you, simply throw it in your sock drawer and find a better one or cancel it after one year if it comes with an annual fee.

Collecting travel rewards, such as airline miles and hotel points, is a two-edged sword. Bank-issued travel rewards, such as Chase Ultimate Rewards and Capital One miles, are much more useful than airline miles or hotel points for a few reasons. First, you can transfer them to many different airline and hotel programs.

This is a foolproof way to reserve travel for free. Finally, you can choose to cash them out. Cash back credit cards are an easy way to effectively receive a rebate on everything you purchase.

They can be easy or complicated—from a card that earns a flat rate on every purchase to rotating bonus categories that change each quarter. The biggest pro is flexibility. You can use the cash to pay your rent, fill up your gas tank, etc.

One con is that the value of the cash you get back is fixed. There are many types of cash back credit cards catering to different spending habits. Think dining, groceries, gas stations, small businesses, online shopping, etc.

Furthermore, cash back credit cards can be categorized by earning rate.