7 Amazing Cash Back Credit Cards

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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.

Discover it® Cashback Match™

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.

Bank of America® Cash Rewards Credit Card

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.

Capital One® Quicksilver® Cash Rewards Credit Card

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.

Citi® Double Cash Card – 18 month BT offer

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.

Blue Cash Preferred® Card from American Express

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.

Chase Freedom Unlimited®

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.

Wells Fargo Cash Wise Visa® 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.

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Picture of Abhimanyu Agarwal

By: | Sep 8, 2017

Have a basic question - most of these cards have minimum spending limits to get the sign up bonus. Does paying rent qualify as a purchase or does it have to be actual purchases ?

1 Reply

By: CompareCards | Sep 9, 2017

If you're landlord allows you to pay your rent with a credit card, then it will most likely count as a "purchase" on your statement!

Picture of Joe Loquasto

By: | Jul 26, 2017

Considering the United Mileage Plus Explorer card or the Chase Sapphire Preferred card. Concerned about being tied to United (we live near Chicago so frequently, but not exclusively fly United). Is the flexibility of the Sapphire card outweigh the specifics for United (free bags etc..)?

1 Reply

By: CompareCards | Aug 3, 2017

The United MileagePlus® Explorer Card is a great card for loyal United customers who want great rewards on flights. However, the Chase Sapphire Preferred® Card lets you earn points that can be used on a many prominent airlines and hotels. Not only are the points for the Chase Sapphire Preferred® Card much more flexible, but right now the signup bonus is also larger - the United MileagePlus® Explorer Card has a 40,000 point bonus, while the Chase Sapphire Preferred® Card has a 50,000 point bonus. In this case, we would go with the Chase Sapphire Preferred® Card.

Picture of Kim Johnson Busbea

By: | Feb 8, 2017

What is the credit card with the best flight rewards?

1 Reply

By: CompareCards | Feb 14, 2017

Finding the "best" credit card will depend a lot on your specific situation and vary from person to person. That said, a few of the most popular travel rewards credit cards are the Capital One Venture, Chase Sapphire Preferred, and the BankAmericard Travel Rewards. All of these cards offer flexible travel redemptions so you're not tied down to one airline or hotel!

Picture of Gillian Giordano

By: | Sep 25, 2016

I have excellent credit. I also have been carrying high debt which I would like to pay off on a low rate card than all at once. Optimally I'd like a card with a long 0% balance transfer that also has some type of rewards for purchases...thanks!

2 Replies

By: CompareCards | Sep 27, 2016

If you have excellent credit, there are a number of credit cards that can offer you a great intro APR on balance transfers and generous rewards on future purchases. The Citi Double Cash is an excellent option as it comes with 0% intro APR on balance transfers for 18 months and also earns 1% cash back on purchases and another 1% on payments. Another great choice is the Discover It , which also comes with 0% intro APR on balance transfers for 18 months. This card earns 1% cash back on all purchases and 5% cash back in special rotating categories.

By: Tim Hoang | Feb 12, 2017

Check out Chase Slate VIsa, which offers 15 months 0% interest on purchase and balance transfer. It also waive balance transfer fee if the transfer occurs within the first 60 days. However, you cannot transfer balance from one Chase account to another Chase account.

Picture of Kimberly Raymond MacQuesten

By: | Jan 10, 2016

Hi, i am looking for a card that has a long 0% transfer of balance and has travel rewards. What would you suggest? My credit is good. Thanks!

1 Reply

By: Irene Turla LoRusso | May 16, 2016

Citibank Simplicity Card. 0% Intro APR on balance transfers and purchases for 21 months. No late fees or a penalty rate.

Picture of Louanna Nerland

By: | Jan 4, 2016

My credit is very bad. I need a credit card to consolidate all of my bills so I have only one payment per month.. I have had no luck in finding a card that would help me.

1 Reply

By: CompareCards | Jan 6, 2016

Hi Louanna,

If your credit is very bad, you probably won't be able to find a credit card that will allow you to transfer your balances to a lower interest rate. You could try calling your credit card issuer and attempting to negotiate a lower interest rate, but I would mainly focus on paying your your debt as quickly as possible. This will help your credit score go up, and once you're score is in the mid 600s, you can try applying for the Capital One QuicksilverOne.

Picture of Robin DuFrene

By: | Jan 2, 2016

I do not have Excellent Credit and I can not get approve for anything can someone help me out

1 Reply

By: CompareCards | Jan 6, 2016

Hi Robin,

There are credit cards available for everyone, even if your credit score is less than excellent. In fact, we have entire pages of credit cards dedicated to people with no credit history, poor credit, fair credit, good credit, and excellent credit ; be sure to check them out!

Picture of Pam Veino Dillashaw

By: | Dec 28, 2015

Never had a credit card that earned points. Need some help deciding which one to apply for.

1 Reply

By: CompareCards | Dec 28, 2015

Hi Pam,

There are a number of credit cards that earn rewards, so if you have good credit, it really comes down to your preference. Cash back credit cards like the Capital One Quicksilver offer simple rewards programs that allow you to earn a flat cash back rate on all purchases. Some cards, like the Chase Sapphire Preferred or Citi ThankYou Premier, earn points that can be redeemed in a number of ways including travel, cash, gift cards, and more.

Picture of Kevin White

By: | Dec 12, 2015

Make sure you have an up to date copy of your credit score and that you monitor it frequently. Those are the best things you can do to help with your credit aside from spending wisely.

Picture of Larry King

By: | Nov 28, 2015

hello, please is there any credit card that I can redeem my reward point as cash back or direct deposit into a different bank. I want to use the reward point as a gift or donation. I know about chase, which one allow this.

1 Reply

By: CompareCards | Nov 29, 2015

Hi Larry,

You are correct that the Chase allows you to redeem your points or cash back as a direct deposit into your bank account. The person credit cards that allow this would include the Chase Freedom and the Chase Sapphire Preferred. Most other cash back credit cards only allow you to redeem your rewards as statement credits towards your account, or to wipe away purchases made with your card.


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