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.
Upgrade Elite Cash Rewards Visa®
Last reviewed: February 20, 2025
A unique credit card/loan hybrid that earns a great flat rate and refines your budget with consistent bill payments. While it lacks flexible cash back redemptions, it can be a fine solution if you consistently carry a balance.
Capital One Walmart Rewards® Mastercard®
Last reviewed: April 7, 2025
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.
All information about the Capital One Walmart Rewards® Mastercard® has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Citi Double Cash® Card
Last reviewed: April 7, 2025
If you regularly pay off your card in full each month, it’s hard to beat the cash back rewards on the Citi Double Cash card: It offers 2% cash back (1% when you buy and an additional 1% as you make payments for those purchases), making it an ideal card for purchases that don’t qualify for larger bonuses.
Wells Fargo Active Cash® Card
Last reviewed: April 7, 2025
The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period.
Instacart Mastercard®
Last reviewed: April 7, 2025
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.
The information about the Instacart Mastercard® has been collected independently by Creditcards.com. The issuer did not provide the content, nor is it responsible for its accuracy.
My GM Rewards® Mastercard®
Last reviewed: October 16, 2024
This card offers a very generous rewards rate on GM spending and also on everyday purchases, but the card’s restrictive redemption program doesn’t leave you many options for rewards.
Jasper Cash Back Mastercard®
Last reviewed: April 7, 2025
The Jasper Cash Back Mastercard charges no annual fee* and offers a chance at a high credit limit and decent baseline rewards. However, it doesn’t carry many distinguishing features that set it apart from other cards for people with fair credit.
*All information about the Jasper Cash Back Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Jasper Cash Back Mastercard is no longer available through CreditCards.com.
Bank of America® Unlimited Cash Rewards credit card
Last reviewed: April 7, 2025
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.
*All information about the Bank of America® Unlimited Cash Rewards credit card has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Navy Federal Credit Union cashRewards Card
Last reviewed: February 3, 2025
With a low APR and up to 1.5% cash back on every purchase, this modest credit union card is a great choice for cardholders who plan to carry a balance and want low-maintenance rewards at an affordable price.
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Capital One Quicksilver Cash Rewards Credit Card
Last reviewed: April 15, 2025
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: April 7, 2025
The Bank of America Customized Cash Rewards credit card for Students offers a generous rewards rate and online cash rewards bonus for new cardholders.
TD Cash Credit Card
Last reviewed: January 30, 2025
With a large sign-up bonus and a great rewards rate on food purchases, the rewards program on the TD Cash Credit Card offers better-than-average value.