This Cash Back Number May Surprise You

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I admit the number surprised me. $523.90. That’s the amount of cash back you could earn in your first year with average everyday spending* using a new 1.5% cash back credit card. That does include a $150 sign-up bonus, which is being offered by some credit card companies now.

Cash back credit cards sometimes get overlooked. That 1.5% on all your spending just doesn’t sound as exciting as the promise of airline miles that could take you to exotic destinations. It’s time to take a second look at cash back credit cards. The potential to earn up to $500 or even more in cash back in your first year is nothing to sneeze at.

Make a purchase and earn. Your spending adds up, which means your cash back will too. Instead of doing online bill pay through your bank, pay your car insurance, cable company, cell phone bills and anything else that doesn’t charge a convenience fee with your new cash back credit card.

All the cash-back cards on our list have $0 annual fee, which means you won’t pay to earn big cash back rewards on all your purchases.  These top no-annual fee cash-back cards are one of the best ways to put extra money in your pocket fast. 

Discover it - Double Cash Back your first year

Discover it® Cashback Match™

 

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  • Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
Highlights
  • Click "APPLY NOW" to apply online or call 800-628-1537
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Double Your Money If you’d like to score a big bonus based on how much you spend, this card should be in your wallet. This card showers you with a generous dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. That means you could turn $200 into $400 with Cashback Match™. You’ll earn sizable cash back rewards in rotating categories each quarter and a solid rate on all other purchases. No annual fee means you won’t pay to earn. If you have a big upcoming purchase that you’d like to finance, check out the long introductory 0% APR on this card.

Capital One Quicksilver Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

 

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  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Bonus Cash One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
Highlights
  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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No Frills Winner This card gives you easy to use unlimited cash back on every purchase, along with a respectable sign-up bonus. If your credit isn’t perfect, check out this card which is available to people with good credit. No annual fee and a long introductory APR period makes this a solid choice for everyday cash rewards.

BankAmericard Cash Rewards Credit Card

BankAmericard Cash Rewards™ Credit Card

 

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  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Intro BT APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • Regular APR 13.99% - 23.99% Variable APR on purchases and balance transfers
Highlights
  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • NEW OFFER: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

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Loyalty Pays Are you looking for a credit card to get your finances back on track, while you earn a stellar cash-back rate? This card offers a long 0% introductory purchase rate on balance transfers in addition to one of the biggest cash sign-up bonuses available right now. You will earn the highest everyday cash-back rate on gas, along with a healthy rate on groceries and wholesale clubs. With this card, loyalty pays off. Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account. All this with no annual fee!

wells fargo cash wise visa card

Wells Fargo Cash Wise Visa® Card

 

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(149) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back*
  • Sign Up Bonus Earn $200 cash rewards bonus*
  • Mobile Wallet Rate Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ *
Highlights
  • Click "APPLY NOW" to apply online
  • NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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Surprising Benefits, Big Sign Up Bonus Here’s why you should look at this under the radar cash back card. It has one of the biggest cash sign up bonuses available right now and you need to check out the unique cell phone benefits offered to cardholders. You will earn unlimited cash back on every purchase and enjoy a long introductory APR with this card in your wallet. This card comes with $0 annual fee.

Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

 

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Rates & Fees
  • Welcome Offer $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Highlights
  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Attention Foodies, Families and Trend Setters If you are a big spender on groceries, gas and buy clothes at the popular department stores on Amex’s list, you can generate significant cash back rewards on your regular spending. You will earn the highest cash back rate at U.S. supermarkets available day in and day out on a no-annual fee card, along with a great rate at U.S. gas stations and select U.S. department stores. Over 15 stores qualify including Macy’s, Kohl’s, Nordstrom and Sears. Plus, you will earn a nice statement credit as a welcome offer if you meet a relatively low target of spending on your new card in the first three months.

chase freedom unlimited℠

Chase Freedom Unlimited℠

 

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  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Sign-up Bonus Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Cash Back Details Redeem Cash Back for any amount, anytime
Highlights
  • Click "APPLY NOW" to apply online
  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash – any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

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Simple Yet Powerful If you want simplified cash back, this card offers a solid unlimited cash back rate on every purchase, with no annual fee. This streamlined cash back card currently offers an extremely generous sign-up bonus. If you’ve got a big purchase coming up, check out the long 0% intro APR period on this card, which gives you time to pay off your purchase interest free. If you don’t want to opt into rotating bonus categories each quarter and want to earn cash on everything you spend, this winning combination of features is for you.

Citi Double Cash Credit Card

Citi® Double Cash Card – 18 month BT offer

 

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(870) Over the Past 60 Days!
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
Highlights
  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 month BT offer

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Ditch Debt Fast with Cash Back If you are looking to hit the brakes on high-interest debt, this card offers you a long 0% introductory balance transfer offer and cash back. You get paid twice with this simple cash-back rewards program. Earn 1% cash back when you buy and 1% cash back as you pay for those purchases. That makes it one of the highest reward rates among all cash back cards. There’s no limit to the amount of cash you can earn and you don’t have to worry about rotating bonus categories. Use the cash-back to help pay down your balance and put debt in your rear-view mirror. No annual fee.

*How I calculated average spending:  This includes the average amount spent a year on food, apparel, entertainment, transportation plus the mysterious “other” category, according to the Bureau of Labor Statistics through June 2016. (Food $7,196, apparel $1,794, entertainment $2,908, Transportation $9,225, other $3,804 = $24,927. Add 1.5% of that to a $150 hypothetical sign up bonus.)

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Picture of Alvin C Paculanan

By: | Jul 3, 2017

Hi, i have a fico score of 728, how's my chances of getting approved for a wells fargo cash wise visa or a chase freedom unlimited?

1 Reply

By: CompareCards | Jul 11, 2017

With a score in the low/mid 700s, your credit is considered "good" and approaching "excellent". This means you have a pretty good chance of getting approved for any credit cards that require "Good/Excellent" credit!

Picture of Kani Saeed

By: | Apr 27, 2017

Hi, I have excellent credit, and pay off full amount every month. I want a cash back card with no annual fees. I am considering Chase Freedom (5% rotating categories) and Blue cash Everyday American Express.

1 Reply

By: Mike Nusinov Serio | Jun 22, 2017

I have Chase Freedom, and I pay the balance off each month as well. There are no annual fees. About 3 years ago, I requested to cash out on my "Rewards" and they sent me a check for $720.00. I have had no problems with Chase Freedom card

Picture of Lisa Ennis Mcculley

By: | Feb 25, 2017

Have only fair credit and trying to improve it with establishing credit card after filing bankruptcy is there any that would accept unsecured?

2 Replies

By: CompareCards | Feb 28, 2017

Check out our fair credit cards page to see all the best options! A few great choices are the Capital One QuicksilverOne and the Credit One Bank Credit Card.

By: Thomas Palmer | Jul 24, 2017

After my divorce my credit was in the low 500's, I could not get approval except for a pre-approved card with a annual fee. I was lucky, My daughter who had excellent credit, agreed to be a cosigner on one a new card for me with no annual fee, therefore I had two credit card to start building my credit with. You can also check into pre-paid credit cards.

Picture of Joyce Quintern Anderson

By: | Nov 28, 2016

I have excellent credit & pay my balance every month. What is the best no fee card with the greatest cash back ?

5 Replies

By: CompareCards | Nov 28, 2016

When picking the best cash back credit card, it's important to consider what you already spend the most money on. For example if you spend a lot on gas and groceries, then the Blue Cash Preferred Card from American Express or the BankAmericard Cash Rewards could be a great card for you. But if you're more interested in earning a flat cash back rate, the Citi Double Cash would be a great choice!

By: Martin Markowitz | Mar 30, 2017

Citi double cash back in my opinion. 1% when you purchase and 1% when you pay on the card. No annual fee.

By: Pala Aujla | Apr 8, 2017

The best credit card for cash back is Mastercard from Bank of America, it is no cap on unlimited cash back.

By: Zdivinita Gordillo | Jun 20, 2017

The best so far is the citibank double cashback with 2% in everything

By: Lester Moore | Jul 15, 2017

We use Costco Credit card for 4% back on gasoline, 3% at restaurants, and 2% at costco. For everything else we use Citicard Double Cash to get 2% back. Occasionally we look for new cards that pay a $150 bonus for spending $500 in 3 mos.

Picture of Lisa Steinmeyer

By: | Oct 24, 2016

How can i get a card with no credit?

1 Reply

By: CompareCards | Oct 25, 2016

If you have no credit, you will need to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. After a year or so of responsible use, you should have built up enough credit history to get approved for a standard, unsecured credit card. The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options.

Picture of Danielle Martin

By: | Oct 7, 2016

i have bad credit but i am trying to get it back what do yall reccommend

1 Reply

By: CompareCards | Oct 11, 2016

If you have bad credit, you will probably need to start with a secured credit card. Secured cards work just like normal credit cards, but you need to put down a refundable security deposit to get approved. We recommend the Capital One Secured MasterCard and the Discover it Secured Credit Card

Picture of Gary Byllesby

By: | Aug 28, 2016

I have had various American Express cards continuously since the early 70s. I have had the Everyday AX Blue card for 20 years. No annual fee and great cash back. Customer Service is tops. I was pick pocketed in Vienna, Austria and American Express had a new card to me in an hour. They are also great about handling disputes. Another criteria that should be included in the comparison of credit cards is the percentage charged by the card for foreign transactions.

Picture of Joey Baggs

By: | Jul 17, 2016

I already have a chase freedom card. But I want to get a chase freedom unlimited card. Would that be the best option or should I go with another card holder company

1 Reply

By: Hemant Deokar | Aug 5, 2016

Go for Discover it® Cashback Match™ card its awesome for cash back + deals.

Picture of Venetia Pruitt Waters

By: | Jun 18, 2016

Looking for the best card to purchase a cruise, airline tickets and hotel. We have excellent credit.

1 Reply

By: CompareCards | Jun 20, 2016

You'll need a card that offers flexible travel rewards if you wish to redeem for cruises, airfare, and hotels. Three cards that you should consider are the BankAmericard Travel Rewards, Chase Sapphire Preferred, and the Capital One Venture.

Picture of Milano Buckley

By: | Jun 14, 2016

Hi. I need the best cash back card that is a VISA. I feel like the Chase Freedom Unlimited is the best cash-back option. I need it to be a Visa though, because it functions as my family card and I do a lot of shopping at Costco. I think the Freedom Unlimited is a Visa, but really that's really just a guess because I can't see the logo and there's no mention of Visa in the card description. Does anyone know for sure?

2 Replies

By: CompareCards | Jun 15, 2016

You are right that the Chase Freedom Unlimited is an excellent option for cash back and it's also a Visa credit card. It comes with unlimited 1.5% cash back on every purchase and one of the biggest cash back sign up bonuses; $150 after you spend $500 in the first 3 months.

By: Lance Mellon | Jun 9, 2017

Get the Costco Citi Visa card at Costco. Lots of cash back! I forget how much but something like 4% on all gas anywhere, 3% groceries anywhere and 1% on everything else. That and my 6% American Express Blue Card is a great combo!

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