Cash Back Credit Cards - Reviews
Cash back credit cards let you pocket earnings on eligible purchases and spend your rewards anywhere you like. To earn the most cash back rewards, you need to pick the best cash back credit card for your spending habits. Some pay a 1% to 2% flat rate on all of your purchases. Others offer cash back rates as high as 5%, but only on eligible purchases like travel or dining.
Many cash back credit cards have generous welcome offers that give you a hefty rewards balance from day one. Along with cash back perks, some cash back credit cards also offer 0% introductory APR on purchases and balance transfers upon application approval, plus nifty benefits like flexible payment plans for large purchases and discounts at select stores.
Our CreditCards.com experts reviewed hundreds of cash back credit card offers based on several factors. Cash back rates, welcome offers, redemption simplicity and interest rates are the key criteria we used. In our cash back credit card reviews below, you can compare our experts’ top picks from our partners for 2021 and find recommendations on the best cash back credit cards for your spending habits.
Capital One SavorOne Cash Rewards Credit Card
Last reviewed: May 7, 2024
The SavorOne card offers a good rewards rate for cardholders who spend a heavy amount on food, but most cardholders are probably better off searching for a card with a flat 2% rate.
Chase Freedom Flex℠
Last reviewed: May 2, 2024
The Chase Freedom Flex card’s unique blend of year-round and quarterly-rotating rewards categories should offer great variety. It may be especially appealing to frequent travelers who want to avoid an annual fee or pair it with a premium Chase travel card.
All information about the Chase Freedom Flex has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Discover it® Cash Back
Last reviewed: May 2, 2024
The Discover it® Cash Back card offers a substantial amount of value for cardholders who don’t mind keeping track of rotating bonus categories; but what really sets this card apart from its competitors is its consumer-friendly terms and ultra generous sign-up bonus, which matches the amount of cash back you earn at the end of the card member’s first year.
Terms and conditions apply.
Capital One SavorOne Student Cash Rewards Credit Card
Last reviewed: May 7, 2024
A generous cash back rate in a variety of practical everyday categories makes the SavorOne Student card a solid starter cash back card, but the card’s APR could pose a risk to students new to credit
Capital One® Savor® Cash Rewards Credit Card
Last reviewed: May 2, 2024
The Capital One Savor card offers one of the best cash back rates on dining and entertainment purchases combined, but it’s not the best option for some cardholders due to its $95 annual fee.
*All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. Capital One Savor Credit Card is no longer available through CreditCards.com.
Bank of America® Customized Cash Rewards credit card
Last reviewed: May 8, 2024
The Bank of America Customized Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 combined spending cap on bonus category rewards limits how much cardholders can earn.
Ink Business Cash® Credit Card
Last reviewed: May 2, 2024
If you’re determined to keep costs to a minimum, the Chase Ink Business Cash Credit Card offers a lot of cash back on your business purchases — including purchases made on employee cards — for no annual fee.
Capital One Walmart Rewards® Mastercard®
Last reviewed: May 7, 2024
Thanks to its flexible redemption scheme and great rewards rate on practical purchases like grocery pickup, the Capital One Walmart Rewards Mastercard should offer a lot of value to cardholders who do most of their everyday shopping at Walmart.
Instacart Mastercard®
Last reviewed: May 8, 2024
If you’re already an avid Instacart user, this card could be hugely rewarding thanks to its impressive rewards rate, broad category coverage and generous first-year bonus. If you only use the service occasionally, though, you may be better off with a general grocery rewards card.
Bank of America® Unlimited Cash Rewards credit card
Last reviewed: May 8, 2024
If you’re a Bank of America Preferred Rewards® program member at the Platinum tier or higher, the Unlimited Cash Rewards card is hands-down one of your best flat-rate cash back options. If not, you can probably do better.
Capital One Quicksilver Cash Rewards Credit Card
Last reviewed: May 7, 2024
With a decent sign-up bonus, unlimited 1.5 percent cash back on every purchase and few restrictions on redemption, the Quicksilver Cash Rewards card offers a fair amount of value; but it doesn’t offer nearly as much cash back as other cards.
Bank of America® Customized Cash Rewards Card for Students
Last reviewed: May 8, 2024
The Bank of America Customized Cash Rewards credit card for Students offers a generous rewards rate and online cash rewards bonus for new cardholders.