Best Cash-back Cards

Capital One Spark Cash Plus

Earn up to a $1,000 cash bonus
  • Unlimited 2% Cash Back
  • No Foreign Transaction Fees
  • Extended Warranty Protection
Apply Now Securely with Capital One | Terms Apply.

Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions

Foreign Transaction Fee: None
Annual Fee: $150
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
Earn up to $1,000 Cash Back

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

Ink Business Unlimited® Credit Card

Earn $750 cash back
  • Earn unlimited 1.5% cash back on all purchases
  • Car Rental Coverage
  • Extended Warranty Protection
Apply Now Securely with Chase | Terms Apply.
The Ink Business Unlimited is the single best rewards credit card for everyday, non-bonused spending, without any sort of caps. The Ink Unlimited is a phenomenal card to consider for the 1.5x points, especially in conjunction with a card earning Ultimate Rewards points.
  • Earn an unlimited 1.5% cash back on all purchases
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 months from account opening,then a 13.24% - 19.24% variable APR
N/A
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
Earn $750 Cash Back

$750 bonus cash back after spending $7,500 within three months of account opening

Ink Business Cash® Credit Card

Earn $750 Cash Back
  • Earn 5% Cash Back at office supply stores
  • Earn 5% Cash Back on internet, cable TV, mobile phones, and landlines
  • Car Rental Coverage
Apply Now Securely with Chase | Terms Apply.
The Ink Business Cash is one of the most rewarding business credit cards out there. The key is that I wouldn’t recommend using this as your primary business credit card for everyday spending. Rather use this as a complement to your overall card portfolio. The 5x points categories are really spectacular, so use those as much as possible. In conjunction with Ultimate Rewards, I value the 5x points at a return of 8.5%.
  • The Ink Cash Card offers 5% cash back (or 5x points) on the first $25,000 of combined purchases per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines
  • The Ink Cash Card offers 2% cash back (or 2x points) on the first $25,000 of combined purchases per cardmember year on restaurants and gas stations
  • The Ink Cash Card offers 1% cash back (or 1x points) on all other purchases
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 months from account opening,then a 13.24% - 19.24% variable APR
N/A
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • 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 purchases
none
Earn $750 Cash Back
  • $750 bonus cash back after spending $7,500 within three months of account opening

Citi Custom Cash℠ Card

$200 cash back after qualifying purchases
  • No Annual Fee
  • Promotional Purchase APR
  • Promotional Balance Transfer APR
Apply Now Securely with Citi | Terms Apply.
This card allows you to earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Foreign Transaction Fee: 3%
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on purchases for 15 months, and then 13.99% – 23.99% (Variable)
Intro Balance Transfer APR: 0% Intro APR on balance transfers for 15 months, and then 13.99% – 23.99% (Variable)
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Earn 20,000 ThankYou Points

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

American Express Blue Business Cash™ Card

$250 statement credit
  • 2% cash back up to $50k then 1%
  • Access to Amex Offers
  • Extended Warranty Protection
Apply Now Securely with Amex | Terms Apply.
If you have a small business and are looking for a no annual fee, straightforward business credit card that earns cash back, then the Blue Business Cash is pretty tough to beat, at least for the first $50,000 spent.

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.

OMAAT Resources

Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: No annual fee
Intro Purchase APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%
Intro Balance Transfer APR: N/A
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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 American Express and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Blue Cash Preferred® Card from American Express

Earn a $300 statement credit
  • 6% Cash Back at U.S. Supermarkets
  • 6% Cash Back On Streaming
  • 3% Cash Back On Transit
Apply Now Securely with Amex | Terms Apply.
If you spend a lot on groceries and want to earn cash back, then the Blue Cash Preferred is for you. Personally, I don’t have this card because I value earning rewards towards travel, but for those who don’t want to get involved in the complexities of miles & points, this is an excellent card.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0 introductory annual fee for the first year, then $95.
Intro Purchase APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
N/A
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
Earn $300 Cash Back

Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

$300 statement credit offer
  • 1.5% cash back on all purchases
  • No Annual Fee
  • Excellent Welcome Bonus
Apply Now Securely with Bank of America | Terms Apply.

Earn unlimited 1.5% cash back on all purchases everywhere, every time

Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
Annual Fee: $0
Intro Purchase APR: 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.
Intro Balance Transfer APR: N/A
  • Get a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening
  • Earn unlimited 1.5% cash back on all purchases everywhere, every time
  • No annual cap and cash rewards don’t expire
  • No annual fee
  • You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
  • Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you
  • 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.
  • Contactless Cards - the security of a chip card, with the convenience of a tap

$300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

$300 Statement Credit Offer
  • 3% cash back in the category of your choice
  • Great Intro APR
  • No Annual Fee
Apply Now Securely with Bank of America
  • Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services.
  • Earn 2% cash back on dining purchases.
  • Earn unlimited 1% cash back on all other purchases.

You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
Annual Fee: $0
Intro Purchase APR: 0% Introductory APR on purchases for your first 9 billing cycles, and then 12.24% to 22.24% variable APR on all purchases after the introductory APR expires
Intro Balance Transfer APR: N/A
  • Get a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire
  • Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases
  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter
  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.
  • Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you
  • Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% on your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap

$300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening.

5x Points Categories

Chase Freedom Flex℠

Earn $200 cash back
5x Points Categories
  • Earn 3% Cash Back on Dining, Takeout and Eligible Delivery Services
  • Earn 5% Cash Back at Grocery Stores (excluding Target®, Walmart®)
  • Earn 5% Cash Back with Select Streaming Services
Apply Now Securely with Chase | Terms Apply.
The Freedom Flex Card is a phenomenal new card that offers great bonuses for spending on travel, dining and drugstores.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 15 months from account opening,then a 14.99% - 23.74% variable APR
Intro Balance Transfer APR: N/A
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Earn $200 Cash Back

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Blue Cash Everyday® Card from American Express

Earn a $200 statement credit
  • 3% Cash Back at U.S. Supermarkets
  • 2% Cash Back at U.S. gas stations
  • Access to Amex Offers
Apply Now Securely with Amex | Terms Apply.
If you’re looking for a no annual fee personal American Express cash back card, the Amex Blue Cash Everyday Card is as good as it gets. The card offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and a solid welcome bonus, plus it gives you access to Amex Offers.
  • 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% Cash Back on other purchases.
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Annual Fee: $0
Intro Purchase APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
Intro Balance Transfer APR: N/A
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 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% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
Earn $200 Cash Back

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Cash Back

Capital One SavorOne Cash Rewards Credit Card

Earn $200 cashback welcome bonus
Cash Back
  • Earn 3% cash back on dining
  • Earn 3% cash back on groceries
  • No Foreign Transaction Fee
Apply Now Securely with Capital One | Terms Apply.
The Capital One SavorOne is a fantastic new option. Earning 3% cashback on dining, entertainment, popular streaming services, and at grocery stores without limits on dining is a great return, especially for a no annual fee card that even has a welcome bonus. If you’re someone who doesn’t like the complexity of dealing with points and spend a lot on dining (or if you know someone like that), then this card is seriously worth considering.

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023

Foreign Transaction Fee: None
Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months, then a 14.99% - 24.99% variable APR
Intro Balance Transfer APR: 0% intro on balance transfers for 15 months, then a 14.99% - 24.99% variable APR
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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 and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee
Earn $200 Cash Back

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

Drugstores

Chase Freedom Unlimited®

Earn $200 cash back
Drugstores
  • Earn 3% Cash Back on Dining
  • Earn 3% Cash Back at Drugstores
  • Earn 1.5% Cash Back On All Other Purchases
Apply Now Securely with Chase | Terms Apply.
The Freedom Unlimited is the credit card that I’ve spent the most money on over the past few years. It’s a vital card as part of an overall strategy for earning Chase Ultimate Rewards points, especially in conjunction with the Sapphire Preferred or Sapphire Reserve. Let me make my advice as concise as possible here: if you have the Sapphire Preferred or Sapphire Reserve, then you absolutely should have the Freedom Unlimited so you’re maximizing your return on everyday, non-bonused spending. Earning 1.5x Ultimate Rewards points per dollar is excellent.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
Foreign Transaction Fee: 3% of each transaction in U.S. dollars
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 15 months from account opening,then a 14.99% - 23.74% variable APR
Intro Balance Transfer APR: N/A
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Earn $200 Cash Back

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Capital One Quicksilver Cash Rewards Credit Card

Earn a $200 Cash Bonus
  • 1.5% cash back on all purchases
  • No Foreign Transaction Fees
  • Promotional APR on Purchases
Apply Now Securely with Capital One | Terms Apply.
A cash-back card can be a good way to cut costs in other areas, saving money for travel!

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

Foreign Transaction Fee: None
Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months, then a 14.99% - 24.99% variable APR
Intro Balance Transfer APR: 0% intro on balance transfers for 15 months, then a 14.99% - 24.99% variable APR
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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 and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees
Earn $200 Cash Back

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening