Best Cash Back Credit Cards

==========

Chase Freedom Flex℠

Reward Rates Up to 5X

Earn 5% cash back on up to $1,500 in quarterly rotating categories when you enroll, including 5% on travel purchased through Chase Ultimate Rewards®, 3% on eating and drugstores, and 1% on all other transactions.

Why Did We Choose It?

This card has the muscle to handle almost all of your credit card spending demands without charging an exorbitant fee. The card has no annual fee and offers a boosted earnings structure that includes a wide range of purchases such as travel, drugstores, and eating, as well as rotating quarterly bonus categories in areas that many families are likely to find intriguing.

Pros & Cons

No annual fee

Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum

Travel rewards rate rivals some of the best premium travel cards

Generous rewards rate in several other categories

Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back

Information about the card

After you spend $500 on purchases in the first three months after creating your account, you'll get a $200 bonus.

Each quarter you activate, you may earn 5% cash back on up to $1,500 in total bonus category purchases. Every quarter, there are new 5% categories to enjoy!

Chase Ultimate Rewards®, our premium rewards program that lets you redeem points for cash back, travel, gift cards, and more, is offering 5% cash back on travel bought through Chase Ultimate Rewards®.

3 percent cash back at drugstores and restaurants, including takeout and qualified delivery services, and an unlimited 1 percent cash back on all other purchases

There is no minimum amount to redeem for cash back. You have the option of receiving a statement credit or a direct deposit into most U.S. bank or savings accounts. As long as your account is open, your Cash Back benefits will not expire!

Purchases and debt transfers have a 0% intro APR for 15 months from account establishment, then a variable APR of 14.99 percent – 23.74 percent.

There is no yearly charge – You won't have to pay an annual fee to enjoy all of the benefits of your Freedom FlexSM card.

Keep track of your credit score — Chase Credit Journey gives you free access to your most recent score, real-time notifications, and more to help you keep track of your credit.

===================

Discover it® Cash Back

Reward Rates of up to 5%

Each quarter, get 5% cash back at a variety of locations, including Amazon.com, grocery shops, restaurants, petrol stations, and when you pay with PayPal, up to the quarterly limit when you activate.

Why Did We Choose It?

Outside of its continuing 1 percent earning rate, this no-annual-fee card may yield nice rewards for modest spenders who are prepared to activate the 5 percent rotating categories and watch the quarterly spending cap.

Pros & Cons

5% cash back on quarterly rotating spending categories throughout the year

Discover will automatically match all the cash back you’ve earned at the end of your first year

No minimum cashback redemption

5% bonus cashback rate is limited to $1,500 per quarter in spending

Bonus categories must be activated quarterly

Low 1% base reward rate on everything else

Information about the card

Introductory Offer: Discover is offering an unlimited cashback match. At the conclusion of your first year, Discover will automatically match all of your cash back! There are no restrictions on how much you can spend or how much you may earn. You may exchange $150 in cash for $300.

Each quarter, get 5% cash back at a variety of locations, including Amazon.com, grocery shops, restaurants, petrol stations, and when you pay with PayPal, up to the quarterly limit when you activate.

Plus, automatically get an unlimited 1% cash back on all other purchases.

You can get cash back in any sum and at any moment. Reward points never run out.

Use your Amazon.com rewards at the checkout.

There is no yearly charge.

Discover is accepted in 99 percent of establishments that accept credit cards across the United States.

To see the prizes, go to "Apply Now."

========================================

Blue Cash Preferred® Card from American Express

Reward Rates of Up to 6%

Earn 6% cash back at American supermarkets on purchases up to $6,000 per year (then 1%); Get 6% cash back on certain streaming subscriptions in the United States; Earn 3% cash back on public transportation (such as taxis/rideshare, parking, tolls, trains, buses, and more) and at petrol stations in the United States; Other qualified purchases will earn you 1% cash back. Cash Back is given in the form of Reward Dollars, which may be redeemed for a credit on your account.

Why Did We Choose It?

Big spenders at US supermarkets and road warriors who frequent US petrol stations or public transportation such as cabs, rideshares, or transit can earn significant cash back returns.

Pros & Cons

High cash-back rewards in several categories of spending

No enrollment is required, cash back is automatic

Comes with several travel benefits and protections

Charges an annual fee

6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%)

Information about the card

Spend $3,000 on your new Card during the first 6 months and receive a $300 statement credit.

For the first year, there is no yearly cost; after that, it is $95.

Purchase Now and Pay Later: When you use Plan It® to break up large purchases into monthly installments, there are no upfront plan costs. Plan costs are waived for the first 12 months after your account is opened. After then, based on the plan length, the APR that would otherwise apply to the purchase, and other considerations, a monthly plan charge of up to 1.33 percent of each purchase amount will be transferred into a plan.

Low introductory APR: 0% for the first 12 months on purchases from the date of account establishment, then 14.24 percent to 24.24 percent variable rate

Up to $6,000 in purchases at U.S. supermarkets earns you 6% cash back (then 1 percent ).

Select streaming subscriptions in the United States can earn you 6% cash back.

3 percent Cash Back at petrol stations and on public transportation in the United States (including taxis/rideshare, parking, tolls, trains, buses, and other modes of transportation).

On all other purchases, you'll get 1% Cash Back.

Cash Back is given in the form of Reward Dollars, which may be redeemed for a credit on your account.

Terms and Conditions apply.

See Rates & Fees

========================================

Wells Fargo Active Cash℠ Card

Unlimited 2% Rewards Rate

Earn unlimited 2% cash rewards on purchases

Why Did We Choose It?

Wells Fargo Active Cash has no annual fee and gives an unlimited 2% cash rewards rate on purchases. This puts it up against some of the top flat-rate cash back cards available.

Pros & Cons

Unlimited 2% cash rewards on purchases

No annual fee

Introductory APR

Welcome bonus

Cell phone protection benefit

Foreign transaction fee

Balance transfer fee

Information about the card

Spend $1,000 in the first three months to receive a $200 cash rewards incentive.

On all purchases, you may earn an infinite amount of 2% cash back.

0% intro APR on purchases and qualifying balance transfers for 15 months from account inception, then 15.24% to 25.24% variable APR; balance transfers done within 120 days qualify for the intro rate and charge of 3%, then a BT fee of up to 5%, min: $5 $0 annual cost

There are no categories to know or manage, and cash rewards don't expire as long as your account is active.

With Visa Signature Concierge, you may enjoy a premium assortment of privileges at some of the world's most interesting and distinguished hotel establishments.

When you pay your monthly cellular telephone bill with your Wells Fargo Active CashSM Card, you can get up to $600 in protection for your phone (subject to a $25 deductible) against insured damage or theft.

To understand more about the product's features, terms, and conditions, click "Apply Now."

===============================

Savor Rewards Credit Card *

Up to 4X Reward Rate

Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1% on all other purchases.

Why Did We Choose It?

The Capital One Savor card is a great cash back credit card for people who enjoy going out to bars and restaurants and having a social life. With a 4 percent payback rate on eating and entertainment (including popular streaming services), 3 percent cash back at grocery shops, and 1 percent cash back on all other transactions, it's simple to justify the yearly cost and earn fantastic returns.

Pros & Cons

4% cash back on eligible categories

Entertainment is a rare rewards category

No foreign transaction fees

Unlimited reward earnings

Annual fee

No introductory APR for purchases or balance transfers

Higher standard APR

Information about the card

Spend $3,000 on purchases within three months of account opening to receive a one-time $300 cash incentive. 4% cash back on restaurants, entertainment, and popular streaming services

Make a limitless amount of money. At food stores, you may get 3% cash back.

On all other purchases, you can get an infinite 1% bonus.

To receive cash rewards, there are no rotating categories or sign-ups required; also, cash back will not expire for the life of the account, and there is no limit to how much you may earn.

=================================

Citi Custom Cash℠ Card

Up to 5X Reward Rate

5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. All other eligible purchases will earn 1% cash back

Why Did We Choose It?

The Citi Custom Cash card is an excellent choice for consumers who want to optimize their cash back returns without having to bother about bonus categories or activating them.

No registration required to earn bonus rewards

Cash-back categories are unique categories that other cards may not offer bonus rewards for

Introductory APR on purchases and balance transfers

No annual fee

High balance transfer fee

High foreign transaction fee

Some everyday rewards categories are neglected

Information about your card

Spend $750 in the first three months of your account to earn $200 in cash back. This bonus offer will be delivered in the form of 20,000 ThankYou® Points, which can be exchanged for $200 in cash.

Balance transfers and purchases are eligible for a 15-month introductory APR of 0%. After that, depending on your creditworthiness, the variable APR will range from 14.24% to 24.244%.

Each billing cycle, get 5% cash back on your top qualified spend category purchases up to $500, then 1% cash back. Additionally, all additional purchases will earn you an infinite 1% cash back.

There's no need to sign up for rotating bonus categories because your earnings alter automatically when your spending patterns change each billing cycle when you spend in any of the eligible categories.

There are no rotating bonus categories to sign up for - your earnings fluctuate automatically as your spending changes each billing cycle when you spend in any of the qualifying areas.

There is no yearly charge.

Per individual, Citi will only issue one Citi Custom CashSM Card account.

============================