Credit and Habit

BROWSE & COMPARE

Cash back credit cards

Use this category as a starting point. Fees and current offers need to be confirmed with the issuer.

Blue Business Cash™ Card — issuer card design

Blue Business Cash™ Card

Advertised credit profile: Good to excellent credit

Why it stands outCash back earned with the American Express Blue Business Cash™ Card is automatically credited to your statement in the form of a statement credit, which is issued monthly. Card…

Rewards focus: Business

Welcome offer

As high as $500 statement creditafter spending $5,000 on your new Card in the first 3 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$0
Blue Cash Everyday® Card from American Express — issuer card design

Blue Cash Everyday® Card from American Express

Advertised credit profile: Good to excellent credit

Why it stands outCard Members can earn 1% cash back on other eligible purchases. Card Members can earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Card…

Rewards focus: Cash back

Welcome offer

As high as $200 Cash Backafter spending $2,000 on your new Card in the first 6 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$0
Blue Cash Preferred® Card from American Express — issuer card design

Blue Cash Preferred® Card from American Express

Advertised credit profile: Good to excellent credit

Why it stands outCard Members can earn 3% cash back on transit purchases. Card Members can earn 1% cash back on other eligible purchases. Card Members can earn 6% cash back on select U.S.…

Rewards focus: Cash back

Welcome offer

As high as $300 Cash Backafter spending $3,000 on your new Card in the first 6 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$95
Capital One Spark 1.5% Cash Select — issuer card design
Capital OneBusiness

Capital One Spark 1.5% Cash Select

Advertised credit profile: Excellent Credit

Why it stands outEarn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars…

Rewards focus: Cash back

Welcome offer

$750 cash bonuswhen you spend $6,000 in the first 3 months. New cardholders enjoy a 0% intro APR for the first 9 months.

Annual fee$0
Capital One Spark 2% Cash — issuer card design
Capital OneBusiness

Capital One Spark 2% Cash

Advertised credit profile: Excellent Credit

Why it stands outEarn unlimited 2%cash back on every purchase with no limits or expiration dates Earn unlimited 5%cash back on hotels and rental cars booked through Capital One Business Travel.…

Rewards focus: Cash back

Welcome offer

$1,000 cash bonuswhen you spend $10,000 in the first 3 months.

Annual fee$95
Savor Cash Rewards Credit Card — issuer card design
Capital OnePersonal

Savor Cash Rewards Credit Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn unlimited 3% cash back on food and fun, plus a $200 cash bonus Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services. Earn…

Rewards focus: Cash back

Welcome offer

$200 cash bonusonce you spend $500 on purchases within the first 3 months from account opening

Annual fee$0
Chase Freedom Flex® — issuer card design
ChasePersonal

Chase Freedom Flex®

Advertised credit profile: Good to excellent credit

Why it stands outAT A GLANCE Earn Cash back for every purchase Earn 5% cash back on up to $1,500 in rotating categories each quarter you activate. Plus, earn 5% back on travel purchased through…

Rewards focus: Cash back

Welcome offer

$250 bonusEarn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening. *

Annual fee$0
Chase Freedom Unlimited® — issuer card design
ChasePersonal

Chase Freedom Unlimited®

Advertised credit profile: Good to excellent credit

Why it stands outAT A GLANCE Unlimited 1.5% cash back is just the beginning Earn unlimited 1.5% cash back or more on all purchases, * like 3% on dining and drugstores * and 5% on travel…

Rewards focus: Cash back

Welcome offer

$200 bonusEarn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. *

Annual fee$0
DoorDash Rewards Mastercard — issuer card design
ChasePersonal

DoorDash Rewards Mastercard

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE No annual card fee, just cash back on every purchase. Earn 4% cash back on DoorDash and Caviar orders, 3% cash back on dining when purchased directly from a…

Rewards focus: Cash back

Welcome offer

free year of DashPassthat will auto-renew at $96/yr. Cancel anytime. *

Annual fee$0
Ink Business Cash® Credit Card — issuer card design
ChaseBusiness

Ink Business Cash® Credit Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn 1% cash back on all other purchases–with no limit to the amount you can earn. Earn a total of 5% cash back on Lyft rides through September 30, 2027 with your Chase Ink…

Rewards focus: Business

Welcome offer

$750 cash backafter you spend $6,000 on purchases in the first 3 months after account opening.

Annual fee$0
Ink Business Premier Credit Card — issuer card design
ChaseBusiness

Ink Business Premier Credit Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn a total of 2.5%cash back on every purchase of $5,000 or more.That's $250 on a purchase of $10,000 when redeemed. Turn all your business expenses into rewards with…

Rewards focus: Cash back

Welcome offer

$1,000 bonus cash backafter you spend $10,000 on purchases in your first 3 months from account opening.

Annual fee$195
Instacart Mastercard — issuer card design
ChasePersonal

Instacart Mastercard

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Turn everyday shopping into everyday rewards Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually * , 5% cash back on Chase…

Rewards focus: Cash back

Welcome offer

$50 Instacart creditautomatically upon approval *

Annual fee$0
Prime Visa — issuer card design
ChasePersonal

Prime Visa

Advertised credit profile: Good to excellent credit

Why it stands outAT A GLANCE Earn rewards on all your purchases with no annual card fee Earn unlimited 5%back at Amazon.com,Audible.com,Whole Foods Market,and on Chase Travel purchases with an…

Rewards focus: Cash back

Welcome offer

$150 Amazon Gift Cardinstantly loaded into your Amazon account's Gift Card Balance on approval of your credit card application.

Annual fee$0
Citi Custom Cash® Card — issuer card design
CitiPersonal

Citi Custom Cash® Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn an elevated cash back rate in your highest eligible spending category each billing cycle, up to a monthly cap.

Rewards focus: Cash back

Welcome offer

$200 cash backafter spending $1,500 on purchases in the first 6 months of account opening; fulfilled as 20,000 ThankYou Points. Offer and eligibility restrictions apply.

Annual fee$0
Citi Double Cash® Card — issuer card design
CitiPersonal

Citi Double Cash® Card

Advertised credit profile: Good to excellent credit

Why it stands outTravel your way and make the most of your vacation with an additional 3% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal. This is on top…

Rewards focus: Cash back

Welcome offer

$200 cash backbonus after spending $1,500 on purchases in the first 6 months of account opening; fulfilled as ThankYou Points. Offer and eligibility restrictions apply.

Annual fee$0
Discover it® Cash Back — issuer card design
DiscoverPersonal

Discover it® Cash Back

Advertised credit profile: Good to excellent credit

Why it stands outEarn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

Rewards focus: Cash back

Welcome offer

$200 bonusstatement credit when you spend $500 in the first 3 months.

Annual fee$0
Discover it® Chrome — issuer card design
DiscoverPersonal

Discover it® Chrome

Advertised credit profile: Good to excellent credit

Why it stands outDiscover it Chrome : Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on…

Rewards focus: Cash back

Welcome offer

Unlimited Cashback MatchDiscover matches all the cash back earned in your first year, automatically; there is no stated maximum. No fixed dollar signup bonus is represented.

Annual fee$0
Discover it® Secured Credit Card — issuer card design
DiscoverSecured

Discover it® Secured Credit Card

Advertised credit profile: Limited, no, or rebuilding credit history

Why it stands outEarn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

Rewards focus: Secured

Welcome offer

Unlimited Cashback MatchDiscover matches all the cash back earned in your first year, automatically; there is no stated maximum. No fixed dollar signup bonus is represented.

Annual fee$0
Discover it® Student Cash Back — issuer card design
DiscoverStudent

Discover it® Student Cash Back

Advertised credit profile: Limited or no credit history

Why it stands outEarn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Earn 5% cash back on everyday purchases at different places…

Rewards focus: Student

Welcome offer

Unlimited Cashback MatchDiscover matches all the cash back earned in your first year, automatically; there is no stated maximum. No fixed dollar signup bonus is represented.

Annual fee$0
M&T Visa® Credit Card with Rewards — issuer card design
M&T BankPersonal

M&T Visa® Credit Card with Rewards

Advertised credit profile: Good credit

Why it stands outEarn 3 points per $1 spent on groceries (up to $15,000 per year in purchases), 2 points per $1 spent on gas, 1 point per $1 spent on everything else

Rewards focus: Cash back

Welcome offer

10,000 bonus points($100 value) after making $500 in purchases in the first 90 days from account opening.

Annual fee$0
Navy Federal cashRewards Credit Card — issuer card design

Navy Federal cashRewards Credit Card

Advertised credit profile: Varies by applicant; membership required

Why it stands outUnlimited 1.5% cash back on all purchases with cash Rewards Unlimited 2% cash back on all purchases with cash Rewards Plus WalletHub recognized Navy Federal Credit Union’s cash…

Rewards focus: Cash back

Welcome offer

$250 bonuscash when you spend $2,500 within 90 days of account opening.

Annual fee$0
PNC Cash Rewards® Visa® Credit Card — issuer card design
PNC BankPersonal

PNC Cash Rewards® Visa® Credit Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn 1% cash back on all other purchases everywhere. Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first…

Rewards focus: Cash back

Welcome offer

$250 bonusafter making $1,000 or more in purchases in the first 3 months after opening a new PNC Cash Rewards account. Offer channel and eligibility restrictions apply.

Annual fee$0
U.S. Bank Cash+® Visa Signature® Card — issuer card design
U.S. BankPersonal

U.S. Bank Cash+® Visa Signature® Card

Advertised credit profile: Good to excellent credit

Why it stands outAdditional 5% cash back on Travel Center reservations Plus, earn 1% cash back on all other eligible purchases. You can earn 2% cash back by choosing one of the following…

Rewards focus: Cash back

Welcome offer

$200 bonusFor a limited time, earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening. Get a decision in as little as 60 seconds.

Annual fee$0

How to compare cash back credit cards

Start with what you already buy. A flat-rate cash-back card can be easier to use, while category cards may reward particular purchases more heavily but impose caps, rotating categories or enrollment requirements.

Compare the net value after annual fees and consider whether you will redeem the rewards in the offered form. A bigger advertised rate is not necessarily a better return on your actual purchases.

Is a flat-rate or category cash-back card better?

It depends on your spending and the restrictions. Estimate rewards from a normal month of purchases rather than assuming every purchase qualifies for the headline rate.

See which cards fit your spending → · Read the application checklist →