Best Cash Back Credit Cards

View cash back credit card offers, many with sign-up bonuses and apply online: Updated January 2024

8 Cards in Total

Cash back is simply a small percentage of every purchase that you get back in the form of a statement credit or a deposit/check. The cash back reward comes from the credit card company themselves and not the store you are making the purchase. Some cash back offers let you earn a higher percentage on certain purchases, such as fuel or travel, while still maintaining a lower percentage for every purchase. Others simply offer a set rate for all purchases, regardless of the type of purchase.

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Intro Purchase APR

0% Intro APR for 15 billing cycles for purchases

Intro Transfer APR

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don't expire as long as your account remains open.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro Purchase APR

0% Intro APR for 15 billing cycles for purchases

Intro Transfer APR

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro Purchase APR

0% on purchases for 15 months

Intro Transfer APR

0% on balance transfers for 15 months

Regular APR

19.24% - 29.99%

Annual Fee

$0

This card offers cash back for the everyday credit card user, with no annual fees and a $200 statement credit after you spend $2,000 within the first 6 months. Enjoy 3% Cash Back on up to $6,000 per year in purchases at US supermarkets, US online retail stores and US gas stations. Make the most of numerous offers when you buy the Disney Bundle (Disney+, Hulu, ESPN+) with your Blue Cash Everyday. You can even use your card to optimize your grocery budget by purchasing a Home Chef meal kit subscription and enjoying up to $15 back per month (Enrollment Required). -- Terms Apply

Intro Purchase APR

0% on purchases for 12 months

Intro Transfer APR

0% on balance transfers for 12 months

Regular APR

19.24% - 29.99%

Annual Fee

$95

As the name suggests, this card is a brilliant option for cash benefits. Receive from 3% to 6% cash back at US gas stations, supermarkets, and on transit and streaming services. The card also comes with various statement credits. Enjoy $250 in statement credit after you spend $3,000 in purchases on your new card in the first 6 months, and up to $120 annually if you buy an auto-renewing subscription to Equinox+ (enrollment required). You are also given one year without an annual fee, and a low intro APR (0% on purchases and balance transfers for the first 12 months). -- Terms Apply

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Intro Purchase APR

0% Intro APR on Purchases for 15 months

Intro Transfer APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

20.49% - 29.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

Your key to great cash back rewards on a range of purchases, with no minimum. For the first year in the first $20,000 spent, enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, 4.5% cash back on drugstore purchases and dining at restaurants/takeout, and 3% on all other purchases. These rates are lowered slightly after your first year or $20,000 spent. You can choose to receive a statement credit or direct deposit into most US checking and savings accounts, and Cash Back rewards do not expire as long as your account is open.

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Intro Purchase APR

0% for 15 months

Intro Transfer APR

0% for 15 months

Regular APR

19.24% - 29.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

As the name suggests, this is a brilliant card for cash back rewards customized to your individual spending habits. There are no rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. As you spend, earn 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent), and 1% cash back thereafter. All other purchases will earn you unlimited 1% cash back.

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Intro Purchase APR

N/A

Intro Transfer APR

0% for 18 months

Regular APR

19.24% - 29.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

This card has an effective rewards policy, where you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Once you’ve spent $1,500 (in the first 6 months after opening your account), you will earn $200 cash back. Until the end of 2024, you can also earn 5% total cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal. You can also enjoy 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.

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Intro Purchase APR

0% intro APR for 15 months from account opening

Intro Transfer APR

0% intro APR for 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99%

Annual Fee

$0

Recommend Credit Score

720 - 850

  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.