The Top Cash Back Credit Cards Today

Earn more cash back on every dollar you spend with these cards.

Cash Back Rewards Credit Cards

Perhaps you like the feeling of seeing cash earned back on every dollar you spend. It feels like an instant rebate on your everyday purchases, or even major ones like a vacation. We’ve gathered our favorite cash back rewards cards so that you can maximize your cash back and benefits. These cards will help you earn more back every time you swipe.

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase and more.


The Capital One Quicksilver Cash Rewards Credit Card provides a steady and competitive unlimited 1.5% cash back on every purchase. We love that travelers get 5% cash back for booking hotels and rental cars via Capital One Travel portal. This card also has a $0 annual fee and is a great fit for individuals with good or excellent credit.

Bonus Points
New cardholders can earn a one-time $200 cash back bonus after spending $500 using their Capital One Quicksilver Cash Rewards Credit Card within 3 months of opening the account. This is a relatively low spending hurdle compared to other introductory offers. Along with bonus cash back, excellent credit cardholders can get an introductory rate of 0% APR for the first 15 months on purchases (reg_apr,reg_apr_type) and balance transfers (reg_apr,reg_apr_type after that + balance_transfer_fees).

    • Keep Earning
      Cash rewards won’t expire for the life of the account. Enjoy unlimited 1.5% cash back and 5% cash back on hotels and rental cars booked through Capital One Travel.
    • Benefits & Protections
      Travelers will enjoy $0 foreign transaction fees. $0 fraud liability if your card is lost or stolen. Capital One also offers virtual card numbers, which provide an added layer of security for online shopping.
  • Cash Back Breakdown
    Earning cash back with the Quicksilver Rewards Credit Card is straightforward – you earn a percent back of what you spend. Capital One also has a Capital One Shopping tool that automatically applies coupons that are available, helping you stretch every dollar further with online shopping.

U.S. Bank Cash+® Visa Signature® Card

You choose your adventure cash back card with 1-5% cash back available.


 

We like the U.S. Bank Cash+® Visa Signature® Card because cardholders can tailor their rewards to their spending habits and needs. This $0 annual fee card allows you to earn 1-5% cash back. Your 2% and 5% cash back tiers are earned in categories that you select. Additionally, you can earn 5% cash back on prepaid air, hotel, and rental cars booked through their Rewards Center. This card is a good fit for people with Good/Excellent credit scores, and those that enjoy maximizing their points for certain spending habits.

    • Bonus Rewards
      New cardholders can earn $200 cash back after spending $1,000 on eligible purchases within 120 days of opening their account. Additionally, there is a 0% intro APR for purchases and balance transfers for the first 15 billing cycles (18.99%-28.99% variable APR after that).
    • Keep Earning
      Cardholders earn 1% cash back on all eligible purchases. Plus, they earn 5% cash back on their first $2,000 spent each quarter on two categories of their choosing (1% after $2,000 spent in each quarter). 5% categories include utility bills, fast food dining, department stores and more. They can also earn 2% cash back on one everyday category. 2% cash back categories include grocery stores (and delivery), restaurants, and gas/EV stations. Love to travel? Earn 5% cash back on prepaid airfare, hotel, and car rentals booked through the Rewards Travel Center.
    • Benefits & Protections
      The focus on this card is mostly on the cash back rewards. It doesn’t come packed with extra benefits like the Capital One Quicksilver Rewards Credit Card or Chase Freedom Rewards® cards.
    • Fee and Rewards Breakdown
      This is a $0 annual fee card, but redeeming your rewards for cash does require you to bank with U.S. Bank. Additionally, rewards do expire after 36 months after they are earned. The rewards program is generous if you actively manage your categories and redeem your rewards.

Citi® Double Cash Card

Designed to reward responsible spenders with an unlimited total 2% cash back.


 

 

card_name offers unlimited 1% cash back when you make a purchase, and then an additional 1% cash back when you pay your credit card bill. This is a $0 annual fee credit card built to reward cardholders that pay their monthly credit card bill on time. Their intro offer is a generous 0% APR on balance transfers for 18 months.

    • Intro Balance Transfer Offer
      The special introductory offer for the Citi® Double Cash Card is for balance transfers only. Get 0% introductory APR on balance transfers for 18 months. After the introductory period, the APR will be reg_apr,reg_apr_type. Note that balance transfers do not earn bash back, and the intro APR does not apply to purchases made – balance transfers only.
    • Keep Earning
      The rewards for the card_name are simple; simply make a purchase and pay your credit card bill on time to earn unlimited 2% total cash back. There are no categories to keep track of and your rewards will not expire as long as your account remains open.
    • Benefits & Protections
      Like most cards now, this one comes ready for contactless-chip (tap card) and a digital wallet for online shopping. Additionally, cardholders get 24 hour fraud protection (with $0 liability on unauthorized charges) and ID Theft Protection from Mastercard.
    • Fee and Rewards Breakdown
      This is a $0 annual fee card with a generous unlimited cash back rewards system. Redeeming rewards (Thank You® Points) is easy. You can redeem them for a statement credit, direct deposit, or a check. Cash back rewards are known as Thank You® Points – 10,000 points equals $100 cash back. In addition to cash, points can be redeemed for gift cards, Amazon, and travel.

Learn More about the Citi® Double Cash Card – 18 month BT.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

$0 annual fee with big cash back rewards for travelers and frequent diners.


*OFFER EXPIRED* Updating with a new top pick!* The Chase Freedom Unlimited® credit card is packed with cash back opportunities for travelers that book through Chase Unlimited Rewards®, including an attractive intro offer that lasts the entire first year. It’s a cash back card, but Chase Ultimate Rewards® travel purchases help cardholders get even more bang for their buck.

We think this card is well rounded, and offers a tremendous amount of flexibility for many cardholders.It’s especially attractive if $0 annual fee is important to you.

    • Bonus Points
      The current intro offer gives new cardholders unlimited cash back for the first year. These rewards add up. Ordinary purchases, for example, will earn 3% instead of the typical 1.5% cash back.
    • Keep Earning
      This cash back card rewards travelers with a regular 5% (6.5% intro) cash back on travel purchased via Chase Ultimate Rewards®, 3% (4.5% intro) on dining including takeout and eligible delivery services, 3% (4.5% intro) on drugstore purchases, and 1.5% (3% intro) on all other purchases. The bonus 1.5% intro offer covers up to $20,000 spent in the first year. After exceeding $20,000, cash back rewards are unlimited.
    • Benefits & Protections
      The Chase Freedom Unlimited® credit card comes with protections and extra benefits as well. Enjoy trip cancellation/interruption insurance, auto rental collision damage (secondary to personal insurance), free credit score and identity restoration services, and fraud monitoring.
    • Fee and Rewards Breakdown
      This card is a zero annual fee card with large cash back incentives for travelers and unlimited rewards for everyday purchases. The rewards are straight forward with cash back equaling the percentage of what you spent to earn that reward (ie. $100 spent on an oil change equals $1.50 cash back).

Blue Cash Preferred® Card from American Express

A great premium cash back rewards card for busy families on the go.


The Blue Cash Preferred® Card from American Express offers extra cash back rewards via statement credit for grocery shopping, gas stations (including additional forms of transit like taxis/rideshare, trains, tolls, etc) in the U.S., and 1% cash back on other purchases (terms apply). American Express is a WiseMoneyLife.com advertiser.

    • Introductory Offer and Rewards
      This premium card offers $0 for the first 12 months from opening an account. Afterwards, the annual fee is $95/year. Earn $250 statement credit after spending $3,000 on purchases within the first 6 months of opening the account. Additionally, this card offers a Buy Now, Pay Later (BNPL) feature. Enjoy $0 BNPL when you use Plan It® to split up large purchases into monthly installments for the first 12 months after opening the account. Afterwards, a monthly plan fee goes up to 1.33% on eligible purchases moved into Plan It®. There is also a low introductory APR of 0% for 12 months on purchases from the date of opening your account, then reg_apr,reg_apr_type *Rates & Fees*.
    • Keep Earning
      Earn 6% cash back at U.S. supermarkets on up to $6,000 each year (1% after hitting $6,000 at U.S. supermarkets). Cardholders can also earn 6% cash back on select U.S. streaming subscriptions. This card also offers 3% cash back at U.S. gas stations and on transit expenses (parking fees, tolls, trains, buses, taxis, ride sharing, and more). 1% cash back on other purchases.
    • Benefits & Protections
      American Express is known for their cardholder benefits and protections that’s worth digging deeper into. Disney lovers will enjoy the $7 monthly statement credit when using their card to purchase the Disney Bundle (streaming) at Disneyplus.com, Hulu.com, or plus.espn.com (enrollment required). Additionally, cardholders receive Return Protection on eligible purchases when a seller won’t take them back. With Return Protection, you may returneligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
    • Fee and Rewards Breakdown
      After the introductory offer expires, the annual fee for the Blue Cash Preferred® Card is $95/year. The cash back earned comes in the form of Reward Dollars, which can be redeemed as a statement credit. Additional card holders can be added to the account to help earn more cash back under the primary account (terms apply).

Rates & Fees: For rates and fees of Blue Cash Preferred® Card from American Express, please click here.