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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.

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 4% 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.

All CashBack Credit Cards

We base our ratings below on the value of the points of each card multiplied by the amount of the bonus. Pretty simple!

Advertiser Disclosure: 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. Commissions do not affect or prioritize placement within our 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.

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18 Cards Available:

Credit card

Spark Cash from Capital One

Annual Fee: $95

Estimated Bonus Value :

$2,000

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Annual Fee: $95

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Estimated Bonus Value :

$2,000

Offer: Up to $2,000! Get $500 when you spend $5,000 in your first 3 months and an additional $1,500 when you spend $50,000 total within your first 6 months

This business card offers 2% cash back on all purchases.

Offer: Up to $2,000! Get $500 when you spend $5,000 in your first 3 months and an additional $1,500 when you spend $50,000 total within your first 6 months
Credit card

Savor Rewards Credit Card

Annual Fee: $95

Estimated Bonus Value :

$300

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Annual Fee: $95

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Estimated Bonus Value :

$300

Offer: $300 when you spend $3,000 in 3 months

This card offers high bonus cash back categories at 4% in dining and entertainment, as well as 2% in groceries and 1% everywhere else.

Offer: $300 when you spend $3,000 in 3 months
Credit card

Chase Freedom Credit Card

Annual Fee: $0

Estimated Bonus Value :

$263

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Annual Fee: $0

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Estimated Bonus Value :

$263

Offer: Earn 15,000 Bonus Ultimate Rewards points (can be redeemed for $150) when you spend $500 within 3 months

A no-fee Chase card with rotating 5x Ultimate Rewards points earning categories. The categories change every 3 months and vary from gas to drug stores and anything in between. This card is excellent to have in conjunction with a Chase Sapphire Reserve or Chase Sapphire Preferred, both of which unlock transfers to airlines and hotels and an ability to combine your points between them.

Because the 5% bonus categories rotate, we cannot factor this into your spend. Therefore, your actual rewards will be higher than shown.

This card is best combined with a Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.

NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.

Offer: Earn 15,000 Bonus Ultimate Rewards points (can be redeemed for $150) when you spend $500 within 3 months
Credit card

Blue Cash Preferred Card

Annual Fee: $95

Estimated Bonus Value :

$250

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Annual Fee: $95

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Estimated Bonus Value :

$250

Offer: Get $250 when you spend $1,000 in your first 3 months.

This may be the best cash back card for groceries and gas combined, with 6% back on supermarkets (up to $6,000 a year) and streaming services and 3% back on gas and land travel (bus, train, ferry, etc).

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.)

Note on the 3% cash back on transit: It does not include cruises, airfare, or other standard "travel" categories. The YourBestCreditCards tool classifies this in the Other Travel category. See site for details.

Offer: Get $250 when you spend $1,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: $200 when you spend $3,000 in 3 months

This no-fee business card offers 1.5% cash back on all purchases.

Offer: $200 when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get $200 cash back when you spend $500 in 90 days

With no foreign transaction fees, no annual fee, and 3% back on dining as well as 2% back on grocery stores, this card is an easy way to up your cash back game.

Please note that applications are only being accepted in the following states:  Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia, Washington, D.C.

If you are not in an approved state, please see our other cash back credit cards.

Offer: Get $200 cash back when you spend $500 in 90 days
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Get $150 (as a statement credit) when you spend $1,000 in your first 3 months

This card offers a flat 1.5% cash back with no annual fee.

Offer: Get $150 (as a statement credit) when you spend $1,000 in your first 3 months
Credit card

Blue Cash Everyday Card

Annual Fee: $0

Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Get a $150 statement credit when you spend $1,000 in your first 3 months.

The Blue Cash EveryDay credit card has no annual fee and earns cash back.

It features bonus cashback on groceries, gas, and department stores.

- Earn 3% cash back at US supermarkets for up to $6,000 in annual purchases

- Earn 2% cash back at US gas stations and certain US Department Stores

- Earn 1% cash back on everything else.

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.)

Offer: Get a $150 statement credit when you spend $1,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Get a $150 cash bonus when you spend $500 in your first 3 months.

Earns 1.5% cash back on all purchases with no annual fee and no foreign transaction fees. For those with good credit.

Offer: Get a $150 cash bonus when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Get a $150 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)

This no-fee card offers food-centric cash back bonus categories.

Get 3% on dining and entertainment, 2% at grocery stores and 1% everywhere else.

Offer: Get a $150 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)
Credit card
Estimated Bonus Value :

$150

Calculator

Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: $150 when you spend $500 in your first 3 months

This is a simple 1.5% cash back card, though it offers a 12-month introductory rate of 1.8% cash back on purchases made with Apple Pay or Google Pay.

Offer: $150 when you spend $500 in your first 3 months
Credit card
Estimated Bonus Value :

$100

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Annual Fee: $0

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Estimated Bonus Value :

$100

Offer: Get $100 bonus when you spend $1,000 in your first 90 days

This card earns a straight 2% cash back with no bonus categories to worry about and no confusing points system.

Note, however, that you must deposit your rewards into a Fidelity account in order to redeem for the full 2%.

Offer: Get $100 bonus when you spend $1,000 in your first 90 days
Credit card
Estimated Bonus Value :

$0

Calculator

Annual Fee: $250

Calculator
Estimated Bonus Value :

$0

Offer: None

Get 1.5% cash back if you pay your bill within 10 day and get 0% interest if you pay in full within 60 days.

Offer: None
Credit card
Estimated Bonus Value :

$0

Calculator

Annual Fee: $39

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Estimated Bonus Value :

$0

Offer: None at this time

The Quicksilver One is a version of the Quicksilver card designed for those with Average credit and who may not qualify for the Quicksilver card. It earns 1.5% cash back on all purchases.

Offer: None at this time
Credit card
Estimated Bonus Value :

$0

Calculator

Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

Designed with students in mind, this no-fee card offers 1% cash back on everything, plus a .25% bonus when you pay on time, for a total of 1.25%.

You only need average credit to qualify and it comes with nice extras that other student cards might not have, like no foreign transaction fees.

A solid starter card to build your credit from.

NOTE: Our calculator assumes you will make on-time payments, for the full 1.25% cash back. Your rewards will be less if you do not pay on-time.

Offer: None at this time
Credit card

Citi Double Cash Card

Annual Fee: $0

Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time.

This card earns a flat 2% cash back - or earn / transfer them to ThankYou Points for 2X points on all spend.

Offer: None at this time.
Credit card
Estimated Bonus Value :

$0

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: None at this time

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.

You must have a Costco membership to be eligible for this card.

Offer: None at this time
Credit card
Estimated Bonus Value :

$0

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: None

The American Express Blue Business Cash credit card allows you to earn a simple 2% in cash back (on up to $50,000 a year of purchases) without paying an annual fee. 

Offer: None

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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