Travel on Points Cash Back Cards

Citi Double Cash® Card

Our rating:4.1

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

1%: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
5%: Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Intro offer: $200 cash back Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee: $0

Regular APR: 19.24% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 3.0
Issuer Customer Experience: 3.0

Highlights

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
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.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 19.24% - 29.24% (Variable)
Intro Balance Transfers APR: 0% intro for 18 months on Balance Transfers

Citi Custom Cash® Card

Our rating:4.5

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5%: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
4%: Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
1%: Earn unlimited 1% cash back on all other purchases.

Intro offer: $200 Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Annual fee: $0

Regular APR: 19.24% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.5

Rating methodology

Rewards Value: 3.7
APR: 3.0
Rewards Flexibility: 3.0
Features: 3.0
Issuer Customer Experience: 3.0

Highlights

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
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.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 15 months on purchases
Regular APR: 19.24% - 29.24% (Variable)
Intro Balance Transfers APR: 0% for 15 months on balance transfers

Capital One Spark Cash Plus

Our rating:4.7

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Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5%: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
2%: Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Intro offer: $1,200 cash back $1,200 cash back once you spend $30,000 in the first 3 months

Annual fee: $150

Regular APR: N/A

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 4.0

Highlights

Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month

Rates & Fees

Annual Fee: $150
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Bank of America® Customized Cash Rewards credit card

Our rating:4.4

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Rewards rate

3%: Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%: Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%: Earn unlimited 1% on all other purchases.

Intro offer: $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Annual fee: $0

Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 3.3
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 2.3
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases
Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR: 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Wells Fargo Active Cash® Card

Our rating:4.1

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Rewards rate

2%: Earn unlimited 2% cash rewards on purchases

Intro offer: $200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual fee: $0

Regular APR: 20.24%, 25.24%, or 29.99% Variable APR

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value:: 4.0
APR:: 1.0
Rewards Flexibility:: 4.7
Features:: 3.0
Issuer Customer Experience: 2.0

Highlights

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro APR for 15 months from account opening
Regular APR: 20.24%, 25.24%, or 29.99% Variable APR
Intro Balance Transfers APR: 0% intro APR for 15 months from account opening on qualifying balance transfers

Bank of America® Unlimited Cash Rewards credit card

Our rating:3.8

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Rewards rate

1.5%: Earn unlimited 1.5% cash back on all purchases.

Intro offer: $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Annual fee: $0

Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.8

Rating methodology

Rewards Value:: 2.3
APR:: 3.0
Rewards Flexibility:: 4.8
Features:: 3.0
Issuer Customer Experience:: 5.0

Highlights

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases
Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR: 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Our rating:4.1

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Rewards rate

1.5%: Earn unlimited 1.5% cash back on purchases.

Intro offer: $300 Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

Annual fee: $0

Regular APR: 18.49% - 28.49% Variable APR on purchases and balance transfers

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value: 2.0
APR: 4.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Highlights

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR for 9 billing cycles for purchases
Regular APR: 18.49% - 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR: N/A

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Our rating:3.9

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Rewards rate

3%: Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
2%: Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
1%: Earn 1% cash back on all other purchases.

Intro offer: $300 Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

Annual fee: $0

Regular APR: 18.49% - 28.49% Variable APR on purchases and balance transfers

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.9

Rating methodology

Rewards Value: 2.0
Annual Percentage Rate: 2.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Highlights

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR for 9 billing cycles for purchases
Regular APR: 18.49% - 28.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR: N/A

Rewards rate

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