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Best Cash Back Credit Cards

If you're looking for a card that offers you cash back, these picks from our partners are the best of the bunch.

    Best Flat-Rate Cash Back Card

    This Card Is Right for You If:

    You're looking for a straightforward cash back card with no annual fee. It's hard to do better than Citi® Double Cash Card, which allows you to earn up to 2% back on every purchase you make—one of the best rates around. You earn 1% back when you make the purchase and 1% back when you pay it off. While it's not the card you want to take with you on your European vacation—you'll pay a 3% foreign transaction fee when you travel abroad—it's perfect for everyday purchases in the U.S.

    Best Card With a Cash Sign-Up Bonus

    This Card Is Right for You If:

    You want a card with flat-rate cash back, a sign-up bonus and no annual fee. You earn a solid 1.5% back on all purchases (1.8% on on qualified mobile wallet purchases, like Apple Pay or Google Pay, during the first 12 months from account opening), and you'll get a $200 bonus after you spend $1,000 during the first three months of having the account.

    Best Card With 5% Bonus Categories

    This Card Is Right for You If:

    You want to earn extra cash back in rotating bonus categories. Discover gives you 1% back on all purchases and 5% back on up to $1,500 in purchases in rotating categories like gas stations, grocery stores, restaurants and more. (You must activate the bonus categories to earn the 5%.) You're also eligible for a unique bonus: Discover will automatically match all the cash back you earn in your first year of account opening. And there is no annual fee.

    This Card Is Right for You If:

    You want to earn cash back in rotating bonus categories and want a sign-up bonus soon after you open the account. With Chase Freedom®, you'll earn 1% back on all purchases and 5% back on up to $1,500 in combined purchases in bonus categories each quarter you activate. You're also eligible for a 150 sign-up bonus after you spend $500 in purchases on the card within the first 3 months of account opening. There is no annual fee.

    Best Cards for Making Balance Transfers and Earning Flat-Rate Cash Back on Purchases at the Same Time

    This Card Is Right for You If:

    You're planning to pay off your debt and make purchases at the same time and want to earn cash back on all purchases. It offers a 0% on purchases and balance transfers for 15 months APR. You also earn a flat 1.5% cash back on all purchases, and you're eligible for a sign-up bonus of $150 after you spend $500 in purchases in the first 3 months of opening the account.

    Best Cash Back Card for People With Fair Credit

    This Card Is Right for You If:

    You have fair credit and are looking for a card from a major issuer that lets you earn cash back. Most rewards cards require good credit to qualify, but this one is the exception. You earn a flat rate of 1.5% back on all purchases, though you do need to pay a $39 annual fee. If you spend more than $2,600 on the card in a year (and don't carry a balance), this card will be worth it.

    Best Cash Back Card for Gas and Groceries With No Annual Fee

    This Card Is Right for You If:

    You spend a lot of money on groceries and gas and want to earn cash back. You earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and 2% cash back at U.S. gas stations and at select U.S. department stores. All other purchases earn 1% back. You're also eligible for a $150 statement credit after you spend $1,000 on purchases within the first 3 months of account opening.

    This Card Is Right for You If:

    You spend a lot of money on gas and want to earn cash back. You'll earn 5% cash back on your first $3,000 in gas and military base purchases annually. You also earn 2% cash back on your first $3,000 on supermarket purchases per year and unlimited 1% cash back on all other purchases. There's no annual fee on the card, but you must be a USAA member to apply.

    Best Cash Back Card for Gas and Groceries With An Annual Fee

    This Card Is Right for You If:

    You spend a lot of money on everyday purchases like gas and groceries and are willing to pay an annual fee of $95. You earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% cash back at U.S. gas stations and 1% cash back on other purchases. You're also eligible for a $200 statement credit after you spend $1,000 on purchases within the first three months of account opening.

    Best Cash Back Card for Foodies

    This Card Is Right for You If:

    You spend a lot of money eating out and on groceries. You'll earn unlimited 4% cash back on dining out and entertainment, 2% back at grocery stores and 1% back on everything else. Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months of account opening. The card does come with a $95 annual fee, but it is waived the first year.

    Best Secured Card With Cash Back Rewards

    This Card Is Right for You If:

    You want to earn cash back on your spending while building up your credit with a secured card. This is hands-down one of the best secured cards on the market: There's no annual fee, and you earn 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases every quarter) and 1% back on all other purchases. Discover will also automatically match all the cash back you've earned at the end of your first year. After you've had the card for eight months, Discover will review your account to determine whether it will transition you to an unsecured line of credit (and refund your deposit). Note: You must have a bank account to be eligible for this card.

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