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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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17 Cards Available:

Credit card

Capital One Spark Cash Plus

dollar Annual Fee: $150

Estimated Bonus Value :

$1,200

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dollar Annual Fee: $150

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Estimated Bonus Value :

$1,200

Offer: Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months. (Information collected independently. Not reviewed by Capital One.)

Information collected independently. Not reviewed by Capital One.

The new Capital One Spark Cash Plus replaces the older Spark Cash card and earns 2% cash back on everything. The primary difference is that the new Spark Cash Plus is a charge card with no preset spending limit, making it ideal for companies that spend a lot on their cards and tend to run into issues with credit limits.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Offer: Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months. (Information collected independently. Not reviewed by Capital One.)
Credit card
Estimated Bonus Value :

$500

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dollar Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: $500 when you spend $4,500 in 3 months

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

You'll also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Offer: $500 when you spend $4,500 in 3 months
Credit card

US Bank Altitude® Connect Review

dollar Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$500

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dollar Annual Fee: $95

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Estimated Bonus Value :

$500

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

Card Features:

  • 4X points (which equates to 4% cash back) on travel (including air, hotel, and cruises) and at gas stations
  • 2X points at grocery stores and on grocery delivery
  • 2X points for dining (at a restaurant or via delivery)
  • 2X points on streaming services
  • 1X point per dollar on all other eligible purchases
  • Earn a $30 annual streaming credit: When you put eligible streaming services on your card for 11 straight billing cycles, the 12th month will see a credit of up to $30.
  • Cell Phone Protection: You can get reimbursed for up to $600 if your cell phone is stolen or damaged (but lost phones are not covered) as long as you pay your monthly cell phone bill with your card. $100 deductible applies and you will be covered for a maximum of one claim per year. Protection is secondary to homeowners/renters insurance.
  • TSA PreCheck or Global Entry Credit: You'll get up to $100 in statement credits to reimburse your application fee up to once every four years.
  • No Foreign Transaction Fees.

US Bank Altitude Connect Credit Card Review

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

This card is for people with a strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days
Credit card

Blue Cash Preferred® Card from American Express

dollar Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$250

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dollar Annual Fee: $95

Calculator
Estimated Bonus Value :

$250

Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms apply. (Rates and Fees)

The Blue Cash Preferred® Card from American Express offers fantastic bonuses on U.S. supermarkets and U.S. gas stations.

This may be the best cash back card for groceries and gas combined, with 6% back on US supermarkets (up to $6,000 a year; 1% thereafter) and U.S. streaming services plus 3% back on U.S. gas and transit (bus, train, ferry, etc). 1% Cash Back on other purchases. Terms apply.

o% Introductory APR (Purchases and Balance Transfers)

Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%. (Rates and Fees)

Additional Disney Benefit

Get $7 per month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription for the Disney Bundle (includes Disney+, Hulu, and ESPN+). Enrollment Required.

* American Express defines a supermarket as a store 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. Terms apply.

Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$200

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dollar Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply. (Rates and Fees)

The Blue Cash Everyday® Card from American Express has no annual fee and earns cash back with several popular bonus categories.

The Blue Cash Everyday has bonus cashback on groceries, online retail, and gas.

  • Earn 3% cash back at US supermarkets* for up to $6,000 in annual purchases; then 1%.
  • Earn 3 % on online retail purchases up to $6,000 annually, then 1%.
  • Earn 3% cash back at US gas stations, up to $6,000 annually, then 1%.
  • Earn 1% cash back on all other eligible purchases.
  • Terms apply.

*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.)

Additional Blue Cash Preferred Benefits

  • The Disney Bundle: Get $7 back each month after using your Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase Home Chef meal solutions online with your enrolled Blue Cash Everyday Card. (Shipping available in the contiguous US only.)

0% Intro APR and 0% Balance Transfer APR

Enjoy a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR. (Rates and Fees)

Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$200

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dollar Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get a $200 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.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

Uber Benefit

Get up to 6 months of complimentary Uber One membership statement credits through November 14, 2024.

0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$200

Calculator

dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

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

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

Get 3% on dining, 3% on streaming, 3% on entertainment, 3% at grocery stores (excluding superstores like Walmart(R) and Target®) and 1% everywhere else. Plus, earn 8% cash back on Capital One Entertainment purchases.

Also, earn 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

Uber Benefit

Automatically earn 10% back on qualifying purchases on Uber and Uber Eats plus complimentary Uber One membership, through November 14, 2024

0% intro APR on purchases for 15 months; 19.99% - 29.99% variable APR after that. 3% fee on the amounts transferred within the first 15 months

Offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Credit card
Estimated Bonus Value :

$150

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dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$150

Offer: Get $150 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.

0% APR Intro Offer

Get 6 months of 0% Interest on new purchases your new card account (Terms apply).

Offer: Get $150 cash back when you spend $500 in 90 days
Credit card
Estimated Bonus Value :

$100

Calculator

dollar Annual Fee: $0

Calculator
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

dollar Annual Fee: $250

Calculator
Estimated Bonus Value :

$0

Offer: None (Rates and Fees)

Get 1.5% cash back if you pay your bill within 10 days with The Plum Card® from American Express.

Or, get 0% interest if you pay in full within 60 days. (Rates and Fees)

Terms apply.

Offer: None (Rates and Fees)
Credit card
Estimated Bonus Value :

$0

Calculator

dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$0

Offer: This card does not have a bonus offer at this time.

This card is no longer available at Your Best Credit Cards.

We suggest the Capital One SavorOne Cash Rewards Credit Card  instead.


Review: For Costco members seeking pure cash back, this credit card is hard to beat!

Costco Business credit card earn rate and benefits:

  • This Costco Business credit card earns 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year.
  • Earn 3% cash back at restaurants and on travel.
  • Earn 2% cash back at Costco.
  • Get 1% cash back on everything else.
  • No foreign transaction fees.

The cashback will be awarded as an annual credit card reward certificate, redeemable for cash or merchandise at U.S. Costco warehouses, (including Puerto Rico). The certificate will be included in your February billing statement and expires on December 31st of the year issued.

** Requires a Costco membership **"

Offer: This card does not have a bonus offer at this time.
Credit card
Estimated Bonus Value :

$0

Calculator

dollar Annual Fee: $39

Calculator
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.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

Uber Benefit

Get up to 6 months of complimentary Uber One membership statement credits through November 14, 2024.

Offer: None at this time

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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