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Most people pay for everyday expenses like groceries, gas, and dining out with cash or a debit card. By doing this, they are leaving money on the table. When you use the right credit card for these purchases you can generate some serious cash back.
Check out the list below and see which card matches your spending habits to maximize your cash back today.
You will earn cash on everything you buy, everywhere with this card. The Capital One Quicksilver Cash Rewards Credit Card pays you unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Plus, earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Take advantage of 0% intro on purchases for 15 months to give you breathing room to pay it off with no interest piling up, followed by an ongoing 16.49% - 26.49% (Variable) APR. Get the flexibility you deserve with your cash back rewards. There is no minimum for redeeming and cash back won't expire for the life of the account. This card has a $0 annual fee.
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 an intro APR of 0% for 18 months on Balance Transfers, 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.
When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. Cardholders will earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. And new cardholders can take advantage of Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Log into your Discover account each quarter to activate the 5% cash-back bonus and truly maximize your cash back earning potential. Finance purchases with intro APR 0% Intro APR for 15 months then, 13.49% - 24.49% Variable APR after that. Get all this for $0 annual fee.
We love unlimited cash rewards credit cards, so we were very excited to see the Bank of America® Unlimited Cash Rewards credit card hit the market with a fantastic rewards program, long periods of 0% intro APR on purchases and balance transfers and no annual fee. Like with most unlimited cash back cards, the rewards program is deceptively simple but incredible powerful: cardholders earn 1.5% cash back on all purchases, with no limit to the amount of cash back a cardholder can earn and no expiration date on those rewards. Beyond that, if you’re a new cardholder you gain access to a solid sign-up bonus: a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This combination of rewards program and welcome offer places this card in contention for the best unlimited cash rewards credit card with much more well-established offerings from other issuers – credit card reward lovers, take note!
The Bank of America® Customized Cash Rewards credit card is one of our favorites because it offers something pretty uncommon among rewards cards – choice. Its three-tiered rewards program gives 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since you can switch up that 3% category each month, from travel to dining to online shopping, you can have an unprecedented amount of control over how you earn your rewards. Couple that with a long period of See Terms and See Terms after that billing period is over and no annual fee and you have a card that’s hard to ignore.
Earn more points on every purchase (even the little ones). The Citi Rewards+® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. You also get 10% points back for the first 100,000 ThankYou® Points redeemed per year. This attractive new rewards card from Citi includes long zero intro interest periods on both purchases and balance transfers, and a nice sign-up bonus, all with $0 annual fee.
Cardholders For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1X Points per $1 spent. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Take advantage of intro APR 0% for 15 months on purchases, then 14.99% - 24.99% (variable) and intro APR 0% for 15 months on balance transfers, then 14.99% - 24.99% (variable). Our take? This is a great everyday rewards card.
The first bitcoin rewards credit card is here and it’s already a standout in the cash back space. The new Upgrade Bitcoin Rewards Visa® card features a rewards program that couldn’t be simpler: with this card, you’ll earn 1.5% rewards in bitcoin when you make payments on the card. As you pay down your balance, bitcoin will be deposited into a wallet provided by the 3rd-party trading platform NYDIG. From there, you can sell any bitcoin you’ve earned to redeem the proceeds as statement credit. This unique hybrid of rewards and investment means your cash back earnings could grow after you earn them – the higher the price of bitcoin, the more statement credit you’ll be able to redeem. On top of all that, you'll get to enjoy this card’s nearly-complete lack of fees – you won’t pay a dime in annual fees or foreign transaction fees with the Upgrade Bitcoin Rewards Visa® card and you’ll also enjoy peace of mind with $0 fraud liability.
One important thing to note is that the Upgrade Bitcoin Rewards Visa® card isn’t available in certain U.S. states: Hawaii, Indiana, Louisiana, Nebraska, Nevada, New Hampshire, North Carolina, or Washington. If you live in one of those states, don't fret - check out some of the other cards on this list for excellent rewards offers, no annual fees and more.
The Chase Freedom Flex℠ card has made a huge splash in the marketplace with one of the most generous suites of cashback rewards we’ve ever seen: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. No matter where you use this card, there are almost always opportunities to put cash back in your pocket. Plus, Chase Freedom Flex℠ can also be a great way to finance a large upcoming expense or big-ticket item with 0% Intro APR on Purchases for 15 months and then 15.74% - 24.49% Variable APR after that. That gives you over a year to pay off your purchase without monthly interest charges adding up. If you're looking to transfer a balance from a different high-interest credit card, Chase Freedom Flex℠ has just the thing: 0% Intro APR on Balance Transfers for 15 months, followed by an ongoing 15.74% - 24.49% Variable APR. And did we mention that this all comes with a very compelling sign-up bonus and a $0 annual fee? Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! All that combines to make this a truly amazing cashback card.
Chase Freedom Unlimited® is one of the best cards on the market because of the rich cash-back rewards it offers. Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Enjoy an incredible sign-up bonus - Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases. These three features mean that you can easily put cash back in your pocket on the purchases you’re already making every week. Plus, you get flexibility with 0% Intro APR on Purchases for 15 months on purchases. This is an enticing card offer with a long 0% intro APR period, and the cash-back gives you an extra savings boost. If you’re looking for a solid cash-back card Chase Freedom Unlimited® is an excellent pick.
The U.S. Bank Altitude® Go Visa Signature® Card has exploded onto the market with incredibly competitive offers for anyone looking for a great cash back credit card. Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases. As if that wasn’t enough, this card also has a strong sign-up bonus. Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. And while this card has very compelling rewards on offer, the U.S. Bank Altitude® Go Visa Signature® Card also makes transferring your current credit card balance easy with 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening and a 16.49% - 25.49% (Variable) rate after that intro period. Plus, all of this is included with no annual fee and the points you’ve earned never expire. If you’re in the market for a cash back card that covers all the bases with very few compromises, this is an outstanding choice.
If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! Cardholders get an intro APR of 0% Intro APR for 15 months on both purchases and balance transfers, then 13.49% - 24.49% variable apr. With the Discover it® chrome credit card you can ensure you're always ready to hit the road. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically Rewards can be redeemed at any time and never expire. And if you're a new cardholder, you can take advantage of Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.