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Everyone has common expenses. Groceries, shopping, gas and even dining are some of the most common area that people are looking for daily. Most people use cash or a debit card to pay of these things, however if you have good to excellent credit a much more rewarding experience is through a credit card. We at CompareCards have done the research and chose the best cash back cards for your every day expenses.
From 6% cash back on groceries, 3% back at gas stations, or 5% back on categories that rotate throughout the year to $150 bonus cash offers. Check out the list below and see more details on which card is best for your spending habits to gain the most cash back.
This is the only credit card pays you cash back twice. It has a $0 annual fee and offers 1% cash back on all purchases plus another 1% cash back when you pay off your monthly statement. This is one of the easiest all around cash back credit cards because you earn the same amount of cash back on all purchase and don’t have to worry about keeping track of rotating categories. If you pay off your balance every month, this card earns more cash back than credit cards that earn 1.5% cash back on all purchases. Additionally, with a 0% Intro APR on balance transfers for 18 months, you can transfer balances from your other high interest credit cards and pay down your balance over a longer period. If you’re looking for a cash back card with no caps and no category restrictions, this is a good card to have.
This credit card is a top choice for drivers and families. To start, it has a $100 online cash rewards bonus after spending at least $500 in the first 90 days. It also has no annual fee and 0% APR on purchases and balance transfers for the first 12 billing cycles. These benefits by themselves are great, but add in the card’s 3% cash back on gas, 2% back at grocery / wholesale clubs, & 1% back on all other purchases and you’ll see why this card is great for commuters and families. On top of this, the card offers extra rewards every time you redeem your cash rewards into your Bank of America checking or savings account. If you spend money on gas or at the grocery store and want a card without an annual fee, this card is one of the best options for you.
This cash back rewards card comes with a unique cash back offer. At the end of your first year, Discover will match the cash back you’ve earned throughout the year. This is the only credit card that will match your cash back at the end of the first year. So if you earn $200 in cash back from purchases in your first year, Discover will match it, making your total cash back for the year $400! The Discover it Cashback Match™ card earns 5% cash back in popular spending categories that change each quarter and 1% on all other purchases. The 5% cash back categories include things like gas, groceries, dining, and more. On top of the incredible rewards program, this card comes with 0% intro APR on purchases and balance transfers for 14 months. There is even no annual fee, no foreign transaction fees, and no late fee for your first late payment. This is a great card for rewards hunters who don’t mind rotating categories to maximize their cash back.
Yes, we mentioned that the Citi Double Cash Card beats all 1.5% cash back credit cards. But the Chase Freedom Unlimited card offers $150 bonus cash after spending $500 in the first three months. This is one of the largest bonuses we’ve seen for an unlimited 1.5% cash back card. Additionally, this credit card has no annual fee, and offers 0% intro APR on purchases and balance transfers for 15 months. The ongoing APR is 15.74% - 24.49% Variable. This card provides its cardholders with an easy way to earn 1.5% cash back on all purchases and get a long 0% Intro APR period to either finance a big purchase or transfer over a balance from another credit card.
The Blue Cash Everyday® Card from American Express is one of the more unique cash back cards. It’s best for the average household. For a limited time, this card boasts an unbelievable 10% cash back at U.S. restaurants for the first 6 months, up to $200 back. It provides a competitive 3% cash back (with a $6,000 annual cap) at U.S. supermarkets, 2% at U.S. gas stations and select department stores, and 1% on all other purchases with no annual fee! This card is great for anyone that spends a lot of money on gas and groceries. The cash back is received in the form of Reward Dollars that you can redeem for statement credits. The card also has 0% intro APR on purchases and balance transfers for 12 months, so if you need to transfer your balance from another card you can put it on this with zero interest for a full year.
The Capital One Quicksilver Cash Rewards Credit Card is a very low maintenance card. Much like the Chase Freedom Unlimited and Barclaycard CashForward, it offers 1.5% cash back on all purchases with no annual fee. It also has no foreign transaction fees making it a great card for international travelers. The Quicksilver’s simplicity makes it a good cash back card. The Capital One Quicksilver comes with great flexibility—there are no rewards caps and you can redeem your cash back for any amount at any time. Add the fact that you don’t have to worry about rotating categories, and the Capital One Quicksilver is one of the easiest to use cash back credit cards. If you already bank with Capital One or are looking for an easy to use 1.5% cash back rewards card, this is a good choice.