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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(996) Over the Past 60 Days!
  • 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 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
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 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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(428) Over the Past 60 Days!
  • 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

Bank of America® Cash Rewards Credit Card

 

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(167) Over the Past 60 Days!
  • 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
  • $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 for 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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3.7/5.0 from 157 Offer Ratings
Over the Past 60 Days!

(157) 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 with Apple Pay® or Android Pay™, during the first 12 months*
Highlights
  • Click "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 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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3.8/5.0 from 537 Offer Ratings
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(537) Over the Past 60 Days!
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Rates & Fees
  • Welcome Offer $150 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
  • $150 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 15 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

See additional details for Blue Cash Everyday® Card from American Express

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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 No minimum to redeem for cash back
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
  • No minimum to redeem for cash back
  • 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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(712) 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 Delsa Bernardo

By: | Oct 25, 2017

Hello my credit score is 760 I am looking for a card that would give me miles to travel. I would pay off at end of month. What do you suggest I go with and apply? thanks

2 Replies

By: CompareCards | Oct 27, 2017

With a score in the mid to upper 600s, your credit is considered "good" and you have a great chance of getting approved for any credit card you choose. Check out our travel credit cards page to see all of the best options for earning travel rewards! A few of the most popular options for flexible travel miles are the Capital One® Venture® Rewards Credit Card and the Discover it® Miles.

By: James Thomas | Oct 30, 2017

I would suggest the Southwest Credit card. Once you meet the initial qualifications you will get 50k frequent flyer miles but their miles can equate to 4-5 roundtrip flights depending upon the dates you fly whereas all of the others will more than likely only get you one roundtrip trip. The credit card is underwriten by Chase Bank

Picture of Winston Hung

By: | Sep 28, 2017

Hi, I am an International Student about to get my first Credit Card in the States to build credit. Don't think I have any credit or enough credit to get anything standard. Please advice :)

1 Reply

By: CompareCards | Sep 29, 2017

If you're just beginning to build credit for the first time, you will likely 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. By putting a few charges on your secured cards and always paying your balance off in full and on time each month you should be able to build your credit back up over time. The Capital One® Secured Mastercard® and the Discover it® Secured Card - No Annual Fee are both great options.

Picture of John Tomerlin

By: | Sep 17, 2017

we have the Barclay Arrival plus card and have never seen a better deal.

1 Reply

By: Michael Mayer | Oct 26, 2017

Check out Chase Sapphire Preferred.

Picture of Zoe Mirray

By: | Sep 13, 2017

I have a credit score between 798 and 804. I want a no annual fee credit card that can give me excellent cash back on every purchase I make.

2 Replies

By: CompareCards | Sep 15, 2017

Your credit is considered "excellent" and you have a great chance of getting approved for any credit card you choose! For no annual fee and generous cash back rewards, the Citi® Double Cash Card – 18 month BT offer and the Discover it® Cashback Match™ are two of the most popular options!

By: Harry Davids | Oct 13, 2017

It depends on your shopping habits. If you buy a lot at supermarkets and at one or more of the department stores listed by Amex for their Blue Card Preferred, they give you 6% cash back on your first $6,000 supermarket purchases and 3% on the first $6,000 of the combination of gas purchases from regular filling stations like Mobil or Shell and the selected dept. stores, as well as 1% on everything else. The downside is the current $95 annual charge (no waiver), but if you spend enough at the right places your rewards will no only vastly exceed the annual charge but will also exceed the total cash rewards available from other cards that have n annual fee. If you make overseas trips regularly you may want to look at some of the other cards, because Amex charges for currency exchange, while some of the other carriers have no charge.

Picture of David Storm

By: | Sep 13, 2017

My credit score is 781. Does that score make me eligible for any of these cards?

2 Replies

By: CompareCards | Sep 16, 2017

With a score in the high 700s, your credit is considered "excellent" and you have a great chance of getting approved for just about any credit card!

By: Harry Davids | Oct 13, 2017

Your credit score is close to the edge of the best card range, so you will need to shop around and ask that question. Each card issuer has its own criteria.

Picture of Gisele Banks-Wesley

By: | Aug 23, 2017

My credit score is 627. Can you tell me the best credit card I can get?

1 Reply

By: CompareCards | Aug 25, 2017

With a score in the low-mid 600s, your credit is considered fair/average. Check out our page for credit cards for fair credit to see all the best options!

Picture of Nancy Jacques Lowell

By: | Aug 11, 2017

I'm looking for a credit card to transfer to one that has 0% interest for BT for my OLD NAVY CREDIT CARD. I don't care about cash back on purchases. I just need a lower intrest rate CARD.!!!!

2 Replies

By: CompareCards | Aug 14, 2017

Check out some of our best balance transfer cards for some cards with long intro APR periods on balance transfers.

By: Herman Kirkpatrick | Aug 23, 2017

You need to pay your card in full every month. That's the only way to save on interest. You should NEVER carry a credit card balance. Any financial consultant will tell you that.

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.

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