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Cash Back Credit Cards

Given our connection to MilesTalk, we naturally prefer rewards credit cards ourselves. That’s because with rewards cards, when used correctly, the points can be worth much more than a penny each. Read more >

Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
link Chase Ink Business Cash® Credit Card image
YBCC Card Rate Stars Filled
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(4.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Cash® Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Want a no annual fee card that earns a ton on office supply stores and on internet, cable and phone services? This is your card.

Bonus points for spend in the following categories:

5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+4 more
Card Details Learn How to Apply
link Chase Ink Business Premier℠ Credit Card image
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(3.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Premier℠ Credit Card

Annual fee:
$195
Min credit score:
Good (670-739) *

Bonus Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

A card intended for high spenders with 2% - 2.5% cash back on eligible purchases.

Bonus points for spend in the following categories:

5x Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

+4 more
Card Details Learn How to Apply
link Capital One Spark Cash Select Review image
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(4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One Spark Cash Select Review

Annual fee:
$0
Min credit score:
Excellent (800-850) *

Bonus Offer

Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening

This business credit card offers 1.5% on all purchases with no annual fee.

Bonus points for spend in the following categories:

5x Car Rentals

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

5x Hotels

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

+1 more
Card Details Learn How To Apply
link Chase Freedom Flex Review image
YBCC Card Rate Stars Filled
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(4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Freedom Flex Review

All information about the Chase Freedom Flex Review has been collected independently by Your Best Credit Cards.
Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.

The Chase Freedom Flex is a credit card with a twist. In addition to its standard rewards rate, you'll earn 5% back on up to $1,500 on rotating categories that change each quarter.

Bonus points for spend in the following categories:

5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

+4 more
Card Details Learn How to Apply
link Blue Cash Preferred® Card from American Express image
YBCC Card Rate Stars Filled
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(4.1)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Blue Cash Preferred® Card from American Express

American Express is an Advertising Partner
Annual fee:
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)
Min credit score:
Good *

Bonus Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Terms apply.

Boasting up to 6% cash back on popular everyday purchases, the Amex Blue Cash Preferred quickly racks up reward dollars that can be redeemed as cash back to lower your statement credit.

Bonus points for spend in the following categories:

6x Streaming Services

On select U.S. Streaming Services

6x Groceries

At U.S. Supermarkets on the first $6,000 of yearly spend; 1X thereafter. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

+2 more
Card Details How to apply
link Blue Cash Everyday® Card from American Express image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Blue Cash Everyday® Card from American Express

American Express is an Advertising Partner
Annual fee:
$0 (Rates and fees)
Min credit score:
Good *

Bonus Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply. 

A versatile no-annual-fee card.

Bonus points for spend in the following categories:

3x Gas Stations

U.S. Gas Stations, up to $6,000 per calendar year in purchases (then 1% thereafter)

3x Groceries

Up to $6,000 per calendar year in purchases in each category (then 1% thereafter). At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

+2 more
Card Details How to apply
link Capital One Quicksilver Cash Rewards Credit Card image
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(3.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One Quicksilver Cash Rewards Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Get a $200 cash bonus when you spend $500 in your first 3 months.

Earn an easy 1.5% cash back with no annual fee and no foreign transaction fees.

Bonus points for spend in the following categories:

5x Car Rentals

Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.

5x Hotels

Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.

+1 more
Card Details Learn How To Apply
link Capital One SavorOne Cash Rewards Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.1)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One SavorOne Cash Rewards Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

The Capital One SavorOne Cash Rewards Credit Card is a no-annual fee credit card offering 3% cash back on dining, at grocery stores, and on entertainment purchases.

Bonus points for spend in the following categories:

5x Car Rentals

Only earns 5% when booked via Capital One Travel; else 1%

5x Hotels

Only earns 5% when booked via Capital One Travel; else 1%

+5 more
Card Details Learn How To Apply
link The Plum Card® image
YBCC Card Rate Stars Filled
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(2.9)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

The Plum Card®

American Express is an Advertising Partner
Annual fee:
$250 (Rates and fees)
Min credit score:
Good *

Bonus Offer

None. Terms Apply.

Ideal for small business owners that want a simple 1.5% cash back card with a high spending limit - with the option to forgo the cash back in favor of 60 days to pay with no interest.

Bonus points for spend in the following categories:

1.5x All Other Eligible Purchases
Card Details How to apply
link Chase Freedom Unlimited® image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.3)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Freedom Unlimited®

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

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 Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

The Chase Freedom Unlimited is a simple credit card earning at least 1.5% cash back on everything, but pair it with a Sapphire Reserve or Sapphire Preferred and you've got a powerful combo with the cash back from this card usable as valuable and transferable Chase Ultimate Rewards points.

Bonus points for spend in the following categories:

5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

+4 more
Card Details Learn How to Apply
link Capital One QuicksilverOne Cash Rewards Credit Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One QuicksilverOne Cash Rewards Credit Card

Annual fee:
$39
Min credit score:
Fair (580-669) *

Bonus Offer

None at this time

Earn 1.5% cash back with no foreign transaction fees. This card is aimed at those with limited or fair credit who cannot qualify for the standard Quicksilver credit card due to their credit history.

Bonus points for spend in the following categories:

5x Car Rentals

When booked via Capital One Travel; otherwise earn 1.5X

5x Hotels

When booked via Capital One Travel; otherwise earn 1.5X

+1 more
Card Details Learn How To Apply

But we get it. Sometimes you just want to earn straight cash back and spend that cash back how you please.

The Best Cash Back Credit Cards

If you aren’t going to play the points game at all, we generally recommend either sticking with a super easy 2% cash back card like the Citi Double Cash Card or Fidelity Rewards Visa for personal use or the Spark Cash from Capital One or American Express Blue Business Cash Card for businesses.

However, there are cash back cards that come with various bonus categories and if you are willing to carry more than one card, you can also do even better than 2% by mixing a few cards.

Mixing More Than One Cash Back Credit Card

The Savor Rewards from Capital One offers 3% in dining and entertainment, as well as 2% in groceries and 1% everywhere else while the Blue Cash Everyday Card earns 3% cash back at US supermarkets for up to $6,000 in annual purchases and 2% cash back at US gas stations and certain US Department Stores.

 

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