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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.
See additional details for Discover it® Cashback Match™
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.
See additional details for Capital One® Quicksilver® Cash Rewards Credit Card
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.
See additional details for Bank of America® Cash Rewards Credit Card
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!
See additional details for Wells Fargo Cash Wise Visa® Card
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.
See additional details for Blue Cash Everyday® Card from American Express
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.
See additional details for Chase Freedom Unlimited®
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.
See additional details for Citi® Double Cash Card – 18 month BT offer
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.)