Everyone who knows the tricks to staying on top of your personal finances also knows that owning a cash back credit card is a great way to save money everyday. Yes, credit cards can increase your debt if used poorly, but when used properly, a good rewards card can put hundreds, or even thousands of dollars back in your pocket every year. The best cash back credit cards available today provide instant cash back bonuses, great rewards and most don’t carry an annual fee. In fact only one card on this list has an annual fee, but it is our highest rated card! Why? Because the cash rewards are just that good – and this is a card I personally use.
Below, you will find our favorite cash back credit cards and just why they’ve made our list. If you have a cash back credit card that didn’t make the list and you think it belongs, let us know and we’ll take a look. If it meets our high standards, we’ll make sure to include it.
Featured Cash Back Credit Cards
Citi® Double Cash Card. Citi is offering a unique card that gives users 1% cash back on all purchases, and 1% cash back when they pay off the charge – effectively giving you double the cash back. Creative name, right? This card also features a 0% balance transfer offer that puts it among the best in the business. Overall, this is a great card for general purpose use. Here are the details:
- 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- The only card that earns you cash back TWICE on every purchase with:
- 1% cash back when you buy
- Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
- No Category Restrictions, No Caps, No Enrollments in Rotating Categories
- No Annual Fee
- Click to Apply.
The Blue Cash Preferred® Card from American Express is one of the best cash rewards credit cards on the market. You can earn cash back in the following amounts: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply. Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period. As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items. To top it off, this card features a 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors. There is a $75 annual fee. Terms and Restrictions Apply. Apply Now.
Blue Cash Everyday® Card from American Express – This card is the little brother to our top rated card; it features slightly lower cash rewards program, but there is no annual fee. The cash back program is as simple as it gets – you can earn 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Right now you can get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months. Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period. As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items. This card also features a 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors. Terms and Restrictions Apply. Apply Now.
TrueEarnings® Card from Costco and American Express – If you’re a member at Costco then there’s no reason not to own the TrueEarnings Card from Costco and American Express. Cardholders will earn 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%. Cardholders also earn 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco. Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon. There is no annual fee for Costco members. Terms and restrictions apply.
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