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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 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.
This credit card is a top choice for drivers and families. To start, it has a $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening. It also has no annual fee and an intro APR of 0% Introductory APR on purchases for 12 billing cycles and 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days. These benefits by themselves are great, but the generous cash back rates are what really makes this card shine: 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. It's easy to 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.
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.
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.
The Blue Cash Preferred® Card from American Express is one of the best rewards programs geared towards gas and groceries. There is an annual fee, but with up to 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), yes up to 6%, 3% back at U.S. gas stations & select U.S. dept. stores; and 1% back on other purchases, you could easily make enough in cash back rewards to pay for the annual fee and then some. It also comes with a welcome offer of a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. That will help to off set that annual fee cost as well. This card is a must have for consumers who spend in categories such as gas and groceries because of the best in class reward rates.
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 15.99%- 24.74% 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.
This card shines from the start, with one of the biggest cash sign up bonuses available right now. With this card you can earn unlimited 1.5% cash rewards on everyday net purchases and take home a $200 cash bonus after spending $1,000 in the first 3 months. No category restrictions or sign ups and cash rewards won't expire as long as your account remains open. This card offers an intro APR of 0% for 12 months on purchases. You’ll also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card. All with no annual fee! If you’re looking for a simple cash back card, with a big sign-up bonus, this is a great option for you.