Here’s a look at some of the best cash back credit cards available today. There are lots of benefits that are accrued to using the right cash back card. Most cards have interesting perks that are based upon the average American’s spending budget. In the course of this article, we will be looking at the 15 Best Cash Back Credit Cards.
1. Chase Freedom Unlimited Cash Back Card
This is unarguably the best cash back card that you can delve into. With the freedom card, there is a 5% cash back on grocery store purchases. Still, with the Chase Freedom cash back card, you get 3% cash back on dining at restaurants and also 3% on drugstore purchases. Then, on every other purchase made with this cash back credit card, you get a 1.5% cash back. If it is your first time using the chase card, you would get $200 cash back after reaching a spending threshold of $500 in the first three months of opening the account. It is a cash back credit card that has zero annual fees and a long intro 0% APR period. If you are looking for the best experience with cash back credit cards, then make the chase freedom unlimited cash back card a must-have.
2. Citi Double Cash Card
Second on our list is the Citi Double cash card. With the aid of this card, you do not need to worry about rotating your reward categories. Imagine being able to maximize your money when you earn 2% cash back on purchases and 1% when you pay your bill. This is why the appeal for this cash back credit card is almost universal. As a plus, it has no annual fee and comprises a simple cash back program that does not need activation or spending caps.
3. Wells Fargo Active Cash Card
The Wells Fargo active cash card is a cash back credit card that offers $200 cash rewards bonus to new customers after they have spent $1000 in purchases in the first 3 months. With the Wells Fargo Cash back card, you get to enjoy a 2% cash back on all the purchases that you make with the cash back credit card. Also, the wells Fargo card offers a 0% intro APR for a time frame of 15 months. The APR offered starts from account opening on purchases and also qualifying balance transfers.
4. Capital One QuickSilver Cash Rewards Credit Card
This is cash back credit card from capital one that offers its users a $200 cash bonus after spending $500 on purchases for a duration of 3 months from the time you opened the account. For every daily purchase that you make with the Capital one Quicksilver cash rewards credit card, you would get 1.5% cash back on every purchase.
The best part of using this cash back credit card is that there are no rotating categories or sign-ups that are needed to earn cash rewards. This card also offers a 0% APR on purchases and a zero dollar fee on any foreign transaction that you make.
5. Cash Magnet Card
With the Cash Magnet card, you can earn $200 cash back, but this is only after you have spent $2000 in purchases for the first 6 months. Also worth noting is that there is a 1.5% cash back on every purchase that you make with the app. There is also a 0% APR on the purchases you make for 15 months, and a zero dollar annual fee.
6. Upromise Mastercard
The Upromise Mastercard is an interesting cash back credit card that offers $200 cash back should the user spend $500 within the first 90 days. With the aid of the Upromise Mastercard, the user can also get a 1.25% cash back on every purchase they make.
You can also use this card to see your FICO credit score. Most interestingly the Upromise Mastercard cash back credit card has a zero dollar annual fee.
7. Capital One Spark Cash Select
The Capital One Spark Cash Select cash back card allows you to earn $500 when you spend $4500 in the first 3 months of opening the account. The account owner does not need to pay an annual fee for the cash back card, and the financial rewards accrued over time cannot expire.
Also worth noting is that there is a 1.5% cash back for your business on every single purchase that you make.
8. Ink Business Unlimited Credit Card
With the Ink Business cash back card, you get to earn $750 bonus cash back after you reach the spending threshold of $7500. This offer is valid for the first 3 months of opening the account. Also, worth noting is that for every purchase you make with this cash-back credit card, you get a 1.5% cash back.
The best part of using the ink Business credit card is that it provides the users with fraud protection for all their transactions.
9. Blue Business Cash Card
This cash back card offers its users a $250 credit after they spend $5000 in qualifying purchases that occur on their cards. The duration for this offer is the first 6 months of account opening.
Another plus for using this cash back card is that you earn 2% cash back on all eligible purchases on up to $50,000 per year. It is important to note that the Blue Business Cash card has a zero-dollar annual fee.
10. Journey Student Rewards Cash Back Credit Card
This is a cash back card from capital one that offers users 1% on all purchases they make. With this card, you can also earn $5 per month for 12 months on streaming subscriptions when you make payments on time. Users get to enjoy no annual fee and can build their credit line if you use this card well.
11. Deserve EDU Mastercard
This is a cash back credit card that is best suited for students in the United States of America. with this card, a student can earn up to 1% cash back on all the purchases that they make for 1 year. Also, they get to enjoy cellphone protection of up to $600.
If you want to use the Deserve EDU MasterCard to perform an international transaction, you would not incur any form of transaction fees. Also, worth noting is that there is no annual fee or social security number required by international students.
12. John Lewis Mastercard
This is a cash back credit that requires the user to spend a minimum of $250 in the next three months of acquiring the card. Afterwhich the user of the card would get 2000 bonus points that are worth $20. With the John Lewis Mastercard, you can also earn ongoing points, which can be doubled for the first 90 days. It is important to note that the moment you hit the $250 spend threshold, the bonus would be added to your account.
13. Blue Cash Everyday Card From American Express
This is an interesting card that offers its users a 3% cash back rate for transactions done in United States supermarkets. It also offers 2% cash back at United States gas stations and 1% cash back for every other purchase that you make. Their intro bonus is $200, and just like most Cash back credit cards, they have a Zero dollar annual fee.
14. Chase Freedom Flex
The chase Freedom flex offers its users 5% cash back on purchases that they make on grocery store purchases, exempting Walmart Purchases and Target. Chase Freedom Flex cash back can only be activated when you spend up to $12,000 in the first year. There is also a 5% cash back on up to $1500 in combined purchases with the Chase Freedom Flex credit card.
When you use this cash back credit card to purchase travel with Chase Ultimate Rewards, you will get a 5% cash back. On all other purchases made with the card, you will get a 1% cash back.
15. Discover IT Cash Back
The Discover It Cash back credit card is one that gives the user 5% cash back on their everyday purchases. It is important to note that this cash back only works when you have spent $1500 in combined category purchases.
This can go up to a quarterly maximum when you activate. The purchases can be made in Amazon.com, grocery stores, restaurants, and gas stations. They incur no annual fees and their regular APR is from 11.9% to 22.99% variable.