Cash back credit cards provide tangible, easy-to-understand benefits because they are popular. Who doesn’t like to take credit on a monthly credit card statement – or better yet, is the actual cash credited to their chosen account? Cash back credit cards can be more popular than our most popular gas credit cards and travel rewards cards.
But all cash back credit cards are not created equally.
Some offer the same return on all purchases. Others offer higher repayment rates and lower rates above all in certain spending categories, such as groceries or gas. Others give bonus money to the spending categories that return every quarter. He earns a few accrual, purchases and monthly payments. And some cash back cards, even hybrid models, make money with cash in some spending categories and other types of rewards (such as airline miles).
Today you will find every card type on the list of the best cash cards offered to consumers in the United States. Remember that most cash back credit cards require applicants to have excellent credit – usually with a credit rating of over 700 and sometimes with a higher credit rating. If you do not fit this threshold, try to create your credit before applying.
Best Cash Back Credit Cards
1. Chase Freedom Unlimited®
1.5% Cash Back On All Purchases; Registration Bonus Worth $ 150 + $ 25
chase unlimited credit card Freedom Unlimited flagship chase is similar to the Freedom card, but with a significant margin: flat 1% cash back and 5% cash back returns with quarterly spending categories, only 1.5% unlimited earnings purchases. You can use it on The Chase Ultimate Rewards portal for almost anything – including cash equivalents, merchandise and travel.
Chase Freedom Unlimited has a great (and sometimes overlooked) market for loyal Chase credit card customers. Also, if you have a Chase Ink Business Preferred or a Chase Sapphire Preferred Travel Rewards card, you can transfer points earned through Freedom Unlimited to these accounts. You can then transfer these points to different frequent travel programs at a one-on-one rate, or use them for travel purchases via The Ultimate Rewards portal and receive 25% bonus (for example, increase the value of 50,000). – Pay up to $ 1025. However, remember that you should purchase a preferred ink or Safir preferable / Reserve, and keep in mind that having Chase Freedom Unlimited is definitely not suitable for these cards.
2. Capital One® Quicksilver® Cash Rewards Credit Card
1.5% Cash Back On All Purchases; $ 150 Early Bonus Bonus
Capital One quicksilver cardQuicksilver Cash Rewards completes a series of Capital One Financial Products, including Capital One 360 banking platform. Cash withdrawal is attractive and easy to understand: 1.5% cash refund on all purchases, anywhere, without spending covers or rotating categories. You can get the money back for an account loan, bank account deposit or gift card.
If your expenses are spread across a wide range of categories, this is one of the more general purpose cash back cards. However, if you want to maximize your spending in certain categories, such as grocery shopping or travel, it’s not that powerful.
3. American Express Cash Magnet™ Card
Unlimited 1.5% Cash Back On All Purchases; Welcome Offer Up To 300 $
American Express Cash Magnet Credit Card American Express Cash Magnet card is a large general expense card for consumers who do not support certain categories of purchases. Chase Freedom Unlimited and Capital One Quicksilver earn 1.5% unlimited money for all eligible purchases, without any restrictions or limitations. In addition, it comes with a generous limited Welcome Offer, in addition to a relatively new commitment to AmEx’s stability: bonus money up to $ 250.
Other benefits include a 15-month APR promotion for purchases and balance transfers and a good value added benefits, including discount opportunities through Amex Offers. One major disadvantage is the minimum payment threshold of $ 25, which may be a problem for those who spend lighter.
4. Wells Fargo Cash Wise Visa® Card
Unlimited 1.5% cash back for all purchases; 1.8% cash back for Apple share and Android share purchases; 12 months; $ 200 Bonus
Wells Fargo Cash Wise Visa is one of the growing groups of “1.5% cards” – cash back credit cards earn an unlimited, unlimited 1.5% return. However, it comes with a nice twist: in addition to the $ 200 registration bonus that requires $ 1,000 dollars in the first 3 months, Wells Fargo offers unlimited cash back to 1.8% of all Apple’s shares and Android’s share purchases made in the first year of 12 months. If you’re a fan of mobile wallet technology, you’ll appreciate this advantage – and you’ll probably get a profit from it.
After clearing the $ 20 cash back threshold, you can receive rewards at Wells Fargo ATM across the country. When you earn 25 dollars, additional doors open – then you can pay for your Wells Fargo bank account for paper checks, express credits or deposits. If you already own a Wells Fargo deposit account, this card also comes with low cost overdraft protection transfer capabilities. Just remember to join after registration.
5. Chase Freedom®
5% Refund In Returning Categories Every Quarter;% 1 In Everything
All purchases made with the Chase Freedom Card earn 1% cash back, without any restrictions or limitations, and purchases up to $ 1,500 in quarterly return categories earn a 5% refund. The categories are usually quite large and have a wide appeal. For example, purchases made in markets from April to June 2018 (not including the target or Walmart) earned 5%. Paypal or chase share purchases will also be refunded 5% of the money. This is especially useful if you shop on eBay and pay with PayPal.
Limited-time promotions sometimes increase Freedom’s earning power. For example, in the fourth quarter of 2015, Amazon, Zappos, audible and Diapers.com the purchases in the area received a 10% refund up to the $ 1,500 limit.
Chase Freedom accumulates Chase Ultimate Rewards points-a versatile spending currency worth 0.01 US dollars per point, depending on the refund. Spending% 1 in the payback category wins 1 point per dollar, spending % 5 in the category wins 5 points per dollar. It can be used as an account loan, bank account investment or gift card in a specific retailer (including Amazon) for a refund of cash (each point worth $ 0.01). There is no minimum amount to use. You can also use Chase’s Ultimate Rewards portal for a wide range of purchases, including travel and general merchandise.
A small disadvantage of Chase Freedom: you have to manually activate your 5% in each quarter. If you do not do this in the middle of the last month of this quarter, you will lose a 5% refund.
6. Discover it® Cash Back
5% Refund In The Returning Categories; 1% In Everything; Double Back In The First Year
Discover Cash Back is one of Discover’s few quality cards. All purchases earn 1% without limitation or limitation. As with The Chase Freedom card, purchases in quarterly spending categories earn 5% back up to a quarter limit of $ 1,500 in all active categories. Sample spending categories include stores, gas stations, restaurants, cinemas, home improvement stores and Amazon.com it is located. You must manually activate the 5% cash in your account every quarter.
At the end of the first year, as a cardholder, Discover automatically doubles all the money you earned for the previous 12 months. You can use your money as an Express credit in any amount, bank account deposit, check or Amazon purchase credit.
7. Blue Cash Preferred® Card from American Express
6% cash back at U.S. supermarkets; 3% at U.S. gas stations and selection at U.S. stores; 1% bid for $ 200 welcome elsewhere
if you like the American Express Blue Cash Preferred Card supermarket, you will love the Blue Cash Preferred Card from American Express. A 6% refund in all U.S. supermarket transactions is up to an annual spending limit of $ 6,000. When you earn $ 6,000, you get a 1% return on top Unlimited U.S. supermarket purchases.
There is no spending limit at the U.S. gas station and you choose the U.S. store categories. You earn 3% for each dollar spent on periods in these places. And you make 1% Money Unlimited for other purchases.
Money back comes as a description loan. However, a significant disadvantage is: $ 95 annual fee.
Another small disadvantage of Blue Cash Preferred Card is the restrictive definition of American Express’s “supermarket”. Wholesale clubs and alcohol retailers, such as supermarkets, such as Walmart, such as Costco, are not accepted as supermarkets for the purposes of this card. The annual fee reduces your earning potential a little – however, if you take full advantage of this category, as the 6% supermarket cash benefit doubles what the competing cards offer, you are still likely to be ahead.
If you are trying to meet your $ 6,000 annual supermarket spending limit with only food and dry goods purchases, make the difference by purchasing gift cards from other stores in supermarket boxes. Your favorite restaurants, retailers and e-commerce sites get a discount of almost 6%.
8. Blue Cash Everyday® Card from American Express
3% cash back in U.S. supermarkets; 2% at U.S. gas stations and selection at U.S. stores; 1% elsewhere offers $ 150 welcome
American Blue Cash Card Blue Cash Everyday Card from American Express lets you earn enough money for everyday, challenging purchases: food, staples, fuel, clothes and household items. The U.S. holds up to 6% in supermarket purchases, up to $ 6,000 a year. After you earn the limit, you earn 1% of the money on your purchases at the supermarket without the expense limit.
Get your 2% cash back at US gas stations and remember that U.S. stores are unlimited and 1% money can be recovered. Your money comes as a repayment loan.
According to American Express, large box supervisors such as wholesale clubs and alcohol retailers such as Target, Sam’s club are not counted as “supermarkets.”
9. Capital One® Savor Cash Rewards Credit Card
Restaurants Unlimited 3% Cash Back; 2% Cash Back In The Markets; 1% Cash Back Everywhere; $ 150 Early Payment Bonus
the Capital One cash rewards credit card is a yearly cash back card designed with cash prizes in mind foods. The unlimited cash back rewards program pays 3% for restaurant spending and 2% for market spending. Card holders are a good balance for those who are unable to decide whether to eat or not.
Other features include a 9-month, 0% APR introductory promotion for an average better early expense bonus and purchases and balance transfers. If you are looking for a card that helps you save money in restaurants and reward you during the first few months of your membership, savour must be high on your list.
10. The Amex EveryDay® Preferred Credit Card from American Express
3x points in supermarket; 2x points in gas stations; 1x points in everything; 50% point bonus for 30 + purchases; 15,000 points offer
American Express is the preferred credit card every day the Amex EveryDay Preferred Credit Card is a supercharged version of Amex EveryDay card. US supermarket purchases earn 3 points per US $ 1 spent, and US gas station purchases earn 2 points per US $ 1 spent on an annual spending limit of $ 6,000. The points range from 0.005 to 0.01, depending on how you use them. Therefore, every $ 1 (3 points) spent in the supermarket is between $ 0.015 and $ 0.03. After winning the limit, the supermarket and gas purchases still earn 1 point per dollar. Please note that this card has a fee of US $ 95.
Frequent purchase points bonus is less than the preferred version of the card, if you can manage: if you make at least 30 purchases per billing cycle, you get a 50% bonus, average approximate purchase daily Redemption Procedures and values are the same as normal Amex EveryDay.
Please note that this is a good deal if you use this card frequently enough to qualify for a 50% monthly points bonus because of the annual fee of US $ 95. If you do not plan to use the card frequently, especially given the complexity and variable values of the membership reward points system, look elsewhere.
11. The Amex EveryDay® Credit Card from American Express
2x points in supermarket; 1x points in everything; 20% bonus for 20 + purchases; 10,000 points welcome bonus
Amex EveryDay Cramerican refers to daily credit cards. The card is not a traditional refund card. Instead of calculating your money back as a percentage of your total, this card will earn rewards points. You receive 2 membership reward points of up to US $ 6,000 per year for each US $ 1 spent in U.S. supermarkets and 1 point per US $ 1 spent in all U.S. supermarket purchases above that amount. In addition, you earn a 1-TL membership reward for all other purchases. If you shop more than 20 in the billing cycle, you automatically receive a 20% points bonus for this cycle.
You can use your points for gift cards (including American Express gift cards), travel purchases, online shopping (including Amazon), Uber cruises, Plenti points, express credits and more. The score values vary, depending on how you use them. For example, 10,000 points will receive US $ 50 American Express gift card, US $ 100 credit or US $ 60 account credit. In general, points range from $ 0.005 to $ 0.01, so each time you spend in the supermarket, you earn between $ 0.01 and $ 0.02.
If you spend too much in the market, you will like this card if you do not want to deal with revolving funds categories and you can find a somewhat complex Membership Reward points system. Otherwise, a more traditional refund card may be in order.
12. Capital One® QuicksilverOne® Cash Rewards Credit Card
1.5% Cash Back On All Purchases; Low Credit Requirements
the capital of a quicksilver is very similar to a credit cardCapital One QuicksilverOne Quicksilver Card. In all purchases, you always earn 1.5% without spending limits or returning categories. The general advantages and limitations of the card are the same as the cash payment procedures. The biggest differences are a modest annual fee ($39), an early expense bonus and a higher variable APR for the QuicksilverOne card.
The main benefit of QuicksilverOne is relatively loose credit history requirements. Although Quicksilver (like most cash back credit cards) requires a good credit, QuicksilverOne only requires an average, fair or limited credit, but Capital One does not specify exactly what this means.
In contrast, most new card holders are not eligible for high credit limits. If you can make monthly payments on time for five consecutive months, Capital One approves you for a higher credit limit.
13. Discover it® Chrome
2% cash back on meals and Gas; 1% cash back on everything; double back of First Year
Discover the chrome credit card discover the Chrome is a solid card for anyone who spends money on gas and restaurant meals. Meal and gas purchases with the card earn 2% up to $ 1,000 per quarter. After you reach your three-month limit, you earn 1% on meals and gas purchases without spending limits. You also earn unlimited 1% for all other purchases. Neighborhoods begin between January 1, April 1, July 1 and October 1.
With flagship discover cash, back, Discover discover Chrome automatically doubles all the money you earn during the first year. You can use your money as an Express credit in any amount, bank account deposit, check or Amazon purchase credit.