Best cash back credit cards of 2023

Turn your everyday spending into cash back. Get matched to credit cards from our partners based on your unique credit profile.

Earn on your everyday purchases

You could earn money back on purchases like gas and groceries.

Maximize multiple ways to earn

Get cash back at a flat rate, bonus categories, tiered rewards and more.

Enjoy minimal fees

Most cash back cards don’t have annual fees and often have low intro APR.

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All cash back card offers

Alabama
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21 partner offers

Wells Fargo Active Cash® Card

Intro APR:

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Rewards:

2% (Cash Rewards)

Annual Fee:

$0

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don't pay off your balance in full each month—it doesn't include the card's annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Cash back credit cards reward you with cash equal to a percentage of each dollar you spend, which may be a rate of 1% to 2%. Some cash back cards offer rewards for spending in categories like gas, groceries and dining at a much higher rate—3% to 5%, for example. Look for rewards that align with what you spend the most on.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

Citi Custom Cash® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

1%-5% (cash back)

Annual Fee:

$0

Capital One QuicksilverOne Cash Rewards Credit Card

Intro bonus:

N/A*

Rewards:

1.5%-5% (cash back)

Ongoing APR:

30.74% (Variable)

Annual Fee:

$39

Costco Anywhere Visa® Card by Citi logo.

Costco Anywhere Visa® Card by Citi

Intro bonus:

N/A*

Rewards:

1%-4% (cash back)

Ongoing APR:

20.49% (Variable)

Annual Fee:

$0

Credit One Bank American Express® Credit Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.24% Variable

Annual Fee:

$39

Capital One SavorOne Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1%-8% (cash back)

Annual Fee:

$0

Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.24% Variable

Annual Fee:

$75 First year. $99 thereafter, billed monthly at $8.25

Credit One Bank American Express® Unlimited Rewards Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.24% Variable

Annual Fee:

$0

Credit One Bank Platinum X5 American Express® Card

Intro bonus:

N/A*

Rewards:

1%-5% (cash back)

Ongoing APR:

29.24% Variable

Annual Fee:

$95

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.5%-5% (cash back)

Annual Fee:

$0

Capital One Walmart Rewards® Mastercard®

Intro bonus:

N/A*

Rewards:

1%-5% (cash back)

Ongoing APR:

18.99% or 29.99% (Variable)

Annual Fee:

$0

First Latitude Platinum Mastercard® Secured Credit Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

24.49% Variable

Annual Fee:

$25 Annual Fee for first year; after that $35 annually

Credit One Bank® Secured Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.24% Variable

Annual Fee:

$0

Citi Double Cash® Card

Intro APR:

0% for 18 months on Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

2% (cash back)

Annual Fee:

$0

Credit One Bank® Platinum Visa® for Rebuilding Credit

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.24% Variable

Annual Fee:

$75 First year. $99 thereafter, billed monthly at $8.25

AT&T Points Plus® Card from Citi logo.

AT&T Points Plus® Card from Citi

Intro bonus:

Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

N/A

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

How to find the best cash back credit card

1

Review your spending

Break down where you spend the most, like gas or groceries.

2

Look for an intro bonus

Check for cards that reward you with a welcome bonus.

3

Maximize your rewards

Find rewards that match up with your top spending categories.

4

Consider multiple cards

Different programs could get you more miles or points.

Start with your FICO® ScoreΘ and see card offers matched to your credit profile.

Get started for free

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

A cash back credit card is a type of rewards card that gives the cardholder a percentage of their spending back as a reward. If you use your card frequently, you could accumulate a decent amount of cash back, but it's important to make sure you aren't overspending just to get these rewards.

Cash back credit cards are fairly straightforward—making them a favorite among users. A cash back card can be a little easier to use than travel reward points cards because the value of your rewards is clear. For example, if your cash back credit card offers 3% back on purchases, then you will receive $3 in rewards for every $100 you spend when using the card. How cash back cards work depends on the card, the rewards can be flat-rate, tiered or rotating. When it's time to redeem your rewards, you may have a lot of options or just a few.

The most common types of cash back credit cards are:

  • Flat rate: These cards will give you a set percentage of cash back no matter what you're buying with the card. Aim to earn 1.5% cash back or more with a flat-rate cash back card.
  • Rotating categories: Credit cards with rotating bonus categories will offer a high cash back rate in specific categories that will change periodically. The rates on these bonus categories are usually 5% or higher and capped at a certain amount of spending per quarter.
  • Tiered: Tiered cards will earn the cardholder a higher cash back rate when used for specific categories such as dining out or groceries and will earn a lower rate for everything else.

Depending on your card and the rewards program, there can be higher rewards for certain purchases in different categories. The most common categories include groceries, restaurants, gas and travel.

In general, you need a good to excellent credit score to get a rewards credit card. The exact credit score you need for a cash back credit card varies based on the credit card issuer's requirements. There are cash back cards geared toward applicants with bad credit, fair credit, good credit and excellent credit. The higher your credit score, the better cash back card you'll qualify for, which means you'll benefit from a better rewards program.

Depending on your card, you may have several options to redeem your rewards. Some common redemption options include:

  • Direct deposit
  • Statement credit
  • Paper check
  • Gift cards
  • Travel
  • Charitable donations
  • Merchandise

Some cards have a minimum balance for redeeming your cash rewards, which is often $25.

The cash back you earn with your credit card generally doesn't expire while your account remains open. However if you close your card, you will likely forfeit any rewards. However, you'll often have a small window of time when you can redeem your rewards after closing your card—it depends on the card issuer's rules and card's terms.

Maximizing your cash back rewards can be easy with the right approach. Here are some tips to help you get started with your strategy:

  • Meet the minimum spend requirement to earn the card's intro bonus.
  • Use your card for everything—as long as you can pay off your purchases each month.
  • Open multiple credit card accounts that complement each other's rewards rates, so you can earn more on your top spending categories.
  • Pay your bills on time and in full every month to avoid credit score damage and interest charges.
  • Avoid redemption options that give you less value than others—merchandise, for instance, usually doesn't offer much.

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