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 Spark Cash Select for Good Credit
Last reviewed: August 27, 2024
The Capital One Spark Cash Select for Good Credit doesn’t offer a sign-up bonus, but cardholders do get an unlimited 1.5% cash back on all spending, unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and a generous intro APR on purchases.
SoFi Credit Card
Last reviewed: August 27, 2024
The SoFi Credit Card is a great choice for SoFi customers who want to save, invest, or pay down a loan on their SoFi accounts. But for other customers? Not so much.
U.S. Bank Cash+® Visa Signature® Card
Last reviewed: August 29, 2024
For cardholders who don’t mind a hands-on approach to earning card rewards, the U.S. Bank Cash+ offers more choice and flexibility than most of its competitors as well as a decent amount of cash back on everyday purchases.
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American Express Cash Magnet® Card
Last reviewed: August 29, 2024
The 1.5 rewards rate on the American Express Cash Magnet card is nothing special, but the introductory offer is a nice bit of extra pocket change (terms apply).
All information about the American Express Cash Magnet Card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy. The American Express Cash Magnet Card is no longer available through CreditCards.com.
Sam's Club® Mastercard®
Last reviewed: August 29, 2024
With the exception of ample cash back at Sam’s Club gas stations, the Sam’s Club Mastercard is best reserved for making gas and dining purchases outside the warehouse club.
All information about the Sam’s Club Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.
View similar retail rewards cards
Ally Everyday Cash Back Mastercard®
Last reviewed: August 20, 2024
This is a great alternative to flat-rate cash back options for cardholders with predictable, everyday purchases at either the supermarket, gas station or pharmacy.
Apple Card
Last reviewed: August 27, 2024
While we are unimpressed with the new Apple Card’s cash back rewards program, it does offer some compelling features in its app that may appeal to cardholders looking for a better user experience.
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Upgrade Triple Cash Rewards Visa®
Last reviewed: August 28, 2024
This card offers one of the higher cash back rates you can find in niche categories like home, health and auto purchases. But based on the average person’s spending habits, it’s unlikely to be particularly rewarding in the long term.
Synchrony HOME Credit Card
Last reviewed: August 29, 2024
The Synchrony HOME Credit Card could be a useful financing tool if you’re facing a lot of expenses related to home goods or services. But deferred financing offers can be risky, and the card’s restrictive cash back scheme limits its long-term value.
Costco Anywhere Visa® Card by Citi
Last reviewed: August 29, 2024
The Costco Anywhere Visa excels as a card for Costco and gas purchases, though you’ll have to contend with an annual membership fee for Costco and only redeeming your cash back once a year.
Venmo Credit Card
Last reviewed: August 29, 2024
The Venmo Credit Card should offer refreshing flexibility thanks to its unique cash back program that lets you earn rewards in your biggest spending categories. However, there’s no guarantee your spending habits will line up with the card’s eligible categories.
Costco Anywhere Visa® Business Card by Citi
Last reviewed: August 27, 2024
Business owners who frequently buy in bulk will love the Costco Anywhere Visa Business card’s substantial rewards, but those who’d rather shop around or want lots of options for redeeming their rewards are probably better off with a more flexible card.