Cash Back

In the interest of full disclosure, One Mile at a Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser policy for further details about the partners we work with. We choose our OMAAT Picks based on the combination of benefits the card provides, and the ability to earn outsized rewards. Thanks for your support!

I prefer to earn points that can be combined or transferred to partners for international premium travel. In some cases though, especially for domestic economy travel, a cash-back style card can be a great option.

Earn $500 bonus cash back

Ink Business Cash℠ Credit Card

Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
on Chase's secure site
Why we like this card

This is a great card for small businesses, given that this card has no annual fee yet still accrues 5x points in several categories.

Read our Review

Current Offer
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Card Details
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

on Chase's secure site
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay

Citi® Double Cash Card

Foreign Transaction Fee: 3%
Annual Fee: $0
on Citi's secure site
Why we like this card

There are no limits to the amount of cash back you can earn. For a card with no annual fee, that’s a return which is tough to beat.

Read our Review

Current Offer
• Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
• Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
• Balance Transfers do not earn cash back.
• The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

on Citi's secure site
Earn a $150 Bonus

Chase Freedom®

Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
on Chase's secure site
Why we like this card

This is a great way to rack up 7,500 Ultimate Rewards points per quarter on a no annual fee credit card. This card complements the Chase Sapphire Preferred® Card very well, given that the points from all cards can be pooled.

Read our Review

Current Offer
Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

Card Details
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.

on Chase's secure site
75,000 in Brex Rewards points

Brex for Startups

Foreign Transaction Fee: N/A
Annual Fee: No Fees for Life*
on Brex's secure site
Why we like this card

Read our Review

Current Offer

  • 75,000 in Brex Rewards points upon signup and waivedcard fees for life (equal to $750+ value) *
  • No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.
  • Credit limits 10-20x higher than traditional small business corporate cards.
on Brex's secure site
3% Cash Back On Dining & Entertainment

Capital One® SavorOne® Cash Rewards Credit Card

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

This card has a great return for a cash-back card with no annual fee.

Current Offer
$150 Cash Back after you spend $500 on purchases within 3 months from account opening

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
on Capital One's secure site
Exclusively for Costco Members: Go Big with Cash Back Rewards

Costco Anywhere Visa® Business Card by Citi

Foreign Transaction Fee: 0%
Annual Fee: $0
on Citi's secure site
Why we like this card

The new Costco Citi cards have a great rewards structure for Costco loyalists. The bonus categories are compelling, and while it’s still not a card I’d personally use for everyday spend this is a solid option for Costco members.

Read our Review

Current Offer
• Discover the only business credit card designed exclusively for Costco members
• 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

on Citi's secure site
Exclusively for Costco Members: Go Big with Cash Back Rewards

Costco Anywhere Visa® Card by Citi

Foreign Transaction Fee: 0%
Annual Fee: $0
on Citi's secure site
Why we like this card

The new Costco Citi cards have a great rewards structure for Costco loyalists. The bonus categories are compelling, and while it’s still not a card I’d personally use for everyday spend this is a solid option for Costco members.

Read our Review

Current Offer
• Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
• The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.

on Citi's secure site
Earn 1% cash back on all your purchases

Journey® Student Rewards from Capital One®

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

This card is designed for students, and encourages good habits and responsible credit use.

Current Offer
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone
on Capital One's secure site
$200 Cash Rewards Bonus Offer

Bank of America® Cash Rewards credit card

Foreign Transaction Fee: 3%
Annual Fee: $0
on Bank of America's secure site
Why we like this card

This is a great card if you're looking for no annual fee, cash back type of card. If you're a Preferred Rewards member, you can get a 25% - 75% rewards bonus on every purchase.

Read our Review

Current Offer
• No annual fee
• $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, 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
• 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, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
• No expiration on rewards
• If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

on Bank of America's secure site
Earn a $150 statement credit

Blue Cash Everyday® Card from American Express

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0
Terms apply
on American Express' secure site
Why we like this card

This is a great no annual fee cash back card option. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.

Current Offer

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
on American Express' secure site
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

American Express® Blue Business Cash Card

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: No annual fee
Terms Apply.
on American Express' secure site
Why we like this card

Read our Review

Card Details

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
on American Express' secure site
Earn a $150 statement credit

American Express Cash Magnet® Card

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0
Terms Apply.
on American Express' secure site
Why we like this card

Current Offer

  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
on American Express' secure site
Earn unlimited 1.5% cash back on every purchase, every day

Capital One® QuicksilverOne® Cash Rewards Credit Card

Foreign Transaction Fee: None
Annual Fee: $39
on Capital One's secure site
Why we like this card

A cash-back card can be a good way to cut costs in other areas, saving money for travel!

Current Offer
Earn unlimited 1.5% cash back on every purchase, every day

Card Details
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn; Get access to a higher credit line after making your first 5 monthly payments on time; Fraud coverage if your card is ever lost or stolen
Use online banking to access your account, even from your smartphone, with our mobile app; Help strengthen your credit for the future with responsible card use

on Capital One's secure site
Get a 1.5% discount when you pay early

The Plum Card® from American Express

Foreign Transaction Fee: None
Annual Fee: $0 introductory annual fee your first year, then $250.
Terms & Restrictions Apply.
on American Express' secure site
Why we like this card

Card Details

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
on American Express' secure site
Earn 1% cash back on every purchase

Capital One® Spark® Classic for Business

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

This is a great starter card for small businesses, with no annual or foreign transaction fees.

Current Offer

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
on Capital One's secure site