If you don't have significant grocery expenses, however, this simply isn't the card for you. Among the dizzying array of rewards credit cards, cash-back credit cards stand out for their simplicity. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Some cards pay a single, flat rate on every purchase, while others pay higher rates in specific categories and a lower rate on everything else. is designed for big spenders, although perhaps not the. Factors in our evaluation include each card's cash-back earning rates, rewards structure (such as flat-rate or tiered categories), annual fee, redemption options (including minimum redemption amounts), promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as loyalty bonuses or the ability to choose one's own rewards categories. With some cards, you get to choose which categories earn the higher rewards. Don’t sleep on the 12-month 0% APR introductory period, either. However, keep in mind that you need to obtain either Ink Preferred or Sapphire Preferred/Reserve – and remember, having Chase Freedom Unlimited doesn’t necessarily qualify you for those cards. 5X Points on the First $1,500 in Quarterly Rotating Category Purchases; 1X Points on Everything Else. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks. Or say your card earns 5% at the gas station; in that case, a $42 fill-up would earn $2.10. See if you qualify for a better offer with Chase: Customizable rewards: 3% categories you can adjust monthly, 1%-3%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, $200$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Terms apply. The Best Cash Back Credit Cards in 2020 . Read our review. has been our choice for the best flat-rate cash-back card. That means you don't owe any taxes on your cash back. The key difference is that this version charges an annual fee while the regular one does not. Think of the fee as a reduction in your annual cash-back total. Unlimited 1.5% Cash Back on your purchases. Learn more about this card and find out how to apply here. spenders. Learn more about this card and find out how to apply here. Visa/Mastercard cashback cards are accepted in more places but the handful currently on the market pay very little. . All financial products, shopping products and services are presented without warranty. Once you hit $6,000, you get 1% back on U.S. supermarket purchases, with no upper limit. Read our review. 3% Cash Back at U.S. Supermarkets; 2% at U.S. Gas Stations and Select U.S. Department Stores; 1% Elsewhere; $150 Welcome Offer. Learn more about this card and find out how to apply here. There's an annual fee of $0 intro for the first year, then $99. Keep in mind that most cash-back credit cards require applicants to have good to excellent credit – usually indicated by a credit score above 700, and sometimes even higher. . Still, while travel dreams are more exciting than another $90 in cash back on your credit card statement, cash-back credit cards might actually be the right choice for most people. 6% Cash Back on select U.S. streaming subscriptions. The American Express Cash Magnet® Card pays a simple, flat cash-back rate on all purchases, with no limit to how much cash back you can earn. Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Read our review. This is often described as "gas" and usually applies to traditional gasoline service stations, such as Mobil, Shell and BP. Some of our selections for the best cash-back credit cards. Best cash-back credit card for a pandemic Blue Cash Preferred Card from American Express. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. But you’ll only achieve the card’s effective 2% cash-back rate when you pay off your balance in full – as you should, under normal circumstances. To view rates and fees of the Blue Cash Preferred® Card from American Express, please visit this page. 3.9. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer. See our Capital One Quicksilver Cash Rewards Credit Card review for more information. Our partners cannot pay us to guarantee favorable reviews of their products or services. You can redeem for cash back (with each point being worth $0.01), deliverable as a statement credit, bank account deposit, gift card, and direct purchases at select retailers (such as Amazon). At TPG, we try to make the research process as simple as possible. The annual fee of $39 isn’t very high, but it will still cost you something to have this card. $150Earn 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. » MORE: NerdWallet's best no foreign transaction fee credit cards. Read our review. A big exception: Americans who travel overseas an average of at least once per year are often better off with a travel rewards credit card because of higher point values and no foreign transaction fees. All eligible purchases made with this card earn 1.5% cash back, with no restrictions on how much you can earn, and you can redeem in any amount for a statement credit or paper check. The Bitcoin Rewards Visa Credit Card is a mold-breaking credit card that earns Bitcoin, not cash-back rewards, on every fiat purchase. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. New cardholders also get 5% back on up to $12,000 in grocery store purchases in the first year (not including Target or Walmart) and can snag this sign-up bonus: Earn unlimited 1.5% cash back on every purchase, every day, One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, The original 1.5% cash-back credit card is still getting it done, even after being challenged by a wave of competitors. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. It pays unlimited 1.5% cash back on everything and comes with a sign-up bonus. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Some issuers allow you to redeem rewards for more than cash back — for merchandise or gift cards, for example. Capital One SavorOne Cash Rewards Credit Card. This is often described as "gas" and usually applies to traditional gasoline service stations, such as Mobil, Shell and BP. Just be sure to spend enough to offset the $200 annual fee. The Costco Anywhere Card is a premium cash-back product exclusive to Costco members. Higher cash back percentages can be had on different cards for specific categories. 1.5%-5%Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. In that case, a low-interest card is probably a better choice. Best Rotating Cash Back Visa Card. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. If you want an AmEx card with a no-hassle rewards structure, this is your card. Cash-back cards are great for many people, but not everybody. Capital One® Savor® Cash Rewards Credit Card. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. Depending on the card you use and where you use it, you'll earn cash rewards of 1% to 6% of the amount of each transaction. If you’re willing to switch among cards to maximize your rewards, be sure to get cards that complement one another's rewards structures. Flat-rate cards typically pay 1% to 2% on everything. Plus, earn unlimited 1% cash back on all other purchases – automatically. See our American Express Cash Magnet Card review for more information. The $0-annual-fee Ink Business Unlimited® Credit Card is an ideal choice. The key difference is that this version charges an annual fee while the regular one does not. See our Capital One Savor Cash Rewards Credit Card review for more information. . Our pick for Bonus categories — groceries and gas + no annual fee. • Tiered cards pay higher rates at specific types of merchants, such as grocery stores or restaurants, and a lower rate (usually 1%) everywhere else. Two percent cash back isn’t the only Double Cash benefit worth touting. If you want an AmEx card with a no-hassle rewards structure, this is your card. Up to $550 Bonus Cash in the First Year; 5% Cash Back in 2 Categories of Your Choice. Cash Back: A maximum of 10% cash back on dining, education, supermarket, and telecom spends Apply Now FAB Abu Dhabi Platinum Credit Card. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors. Earn unlimited 1.5% cash back on all other purchases. You can choose from gas, online shopping, dining, travel, drug stores, or home improvement and furnishings. Yes Prosperity Cashback Credit Card. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. The rewards aren't as rich as on the, , but this card doesn't charge an annual fee. Capital One Quicksilver Cash Rewards Credit Card. All eligible dining and entertainment purchases, including restaurant takeout and delivery, earn 4% cash-back, while eligible grocery store purchases earn 2% cash-back. You don’t have to wait years to accumulate enough miles or points to redeem them for a free flight or hotel stay, as you might with a travel card. (That limit is high, but it's still a limit.) There’s no spending limit on the U.S. gas station and transit operator categories – you get 3% cash back on every $1 spent in those places, period. See our best rewards cards for a range of credit cards that earn cash, points or miles. Our pick for: Bonus categories — quarterly categories + cash-back match. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. … Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. (You typically have to spend $500 to $1,000 in the first few months.) If you need to transfer a balance, look for a balance-transfer credit card. This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. Sometimes card issuers call this category “groceries,” but the rewards are determined by the type of store, not the specific items you purchase. And while you can earn big rewards on travel bookings with this card, it also charges a 3% foreign transaction fee, so it's not a good companion abroad. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. You get 6% cash back on all U.S. supermarket transactions, up to a $6,000 annual spending limit. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Low bonus requirements. Instead, consider the Blue Cash Everyday® Card from American Express, which has a $0 fee but lower rewards rates. Take advantage of rotating bonus categories, Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise, you could miss out on hundreds of dollars. The American Express Cash Magnet® Card offers solid, no-fuss cash rewards — 1.5% cash back on purchases — for a $0 annual fee. Unlimited 1.5% Cash Back on All Purchases; Welcome Offer Worth Up to $150. Yes, the redemption framework is a little wonky – you have to redeem in person at Costco, and you have just one annual shot to do so. You can often buy a gift card for a restaurant or retailer at the supermarket, and it counts as a supermarket purchase. Capital One® QuicksilverOne® Cash Rewards Credit Card. All Types Of Spending: Citi Cash Back+ (1.6% cashback) For those that want a fuss-free cashback card, this card gives you 1.6% cashback on all your spending, regardless of the category you spend on. Best for Less-Than-Perfect Credit. Citi Double Cash’s two-tiered cash-back program rewards cardholders who pay their balances in full each month. Chase Freedom Unlimited has a great (and sometimes overlooked) perk for loyal Chase credit card customers. The best credit cards for cashback. Like Capital One Quicksilver, it earns 1.5% cash back on all eligible purchases. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. Terms Apply. Nobody wants to pay an annual fee — and most cash-back cards don’t have one — but sometimes it can work out better. 6% Cash Back at U.S. Supermarkets and Select Digital Media Services; 3% at U.S. Gas Stations and Transit Operators (Including Rideshare); 1% Everywhere Else. Here are the 18 best cash back credit cards for 2020: Citi Double Cash Card… 4% Cash Back on Eligible Dining and Entertainment Purchases; 2% Cash Back on Grocery Store Purchases. , which can be aspirational — visions of earning a free flight to Bora Bora in first class or a night at a swanky hotel in New York City. Savor Rewards does have a catch: a $95 annual fee. A few accrue cash back on purchases and monthly payments. The Capital One QuicksilverOne Cash Rewards Credit Card gets a big thumbs-up for offering an extremely competitive 1.5% rewards rate for people still building their credit. $95 $95 View Card Offers at creditcards.com Buy. These are the top places to find good deals on cheap sports tickets. Your whole restaurant bill, including the server’s tip, counts for accelerated rewards. Examples (with both of these cards, the 5% cash back applies to the first $1,500 in bonus category spending per quarter): Many cash-back cards earn a higher rewards rate for certain purchases. For example, airline cards often offer free checked bags and priority boarding. Earn 6% back at U.S. supermarkets on up to $6,000 spent per year (then 1% back); 6% on select U.S. streaming services; and 3% back at U.S. gas stations and on transit. 1.5%Earn unlimited 1.5% cash back on every purchase, every day, $200One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. New cardholders get great bonus opportunities, too. was already a fine card when it offered 1.5% cash back on all purchases. Business Rating. INTRO OFFER: Unlimited Cashback Match – only from Discover. New U.S. Bank Cash+ cardholders can earn up to $550 in first-year bonus cash when they clear the sign-up bonus spending threshold and max out spending in their chosen 5% cash-back bonus categories for four straight quarters. Even the best cash-back credit cards probably aren't as flashy as travel rewards credit cards, but as with the hare and the tortoise, sometimes slow-and-steady wins the race. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. Earn unlimited 1.5% cash back on all other purchases. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. Read our review. Cash-back cards tend to be far easier to understand and use than other types of cards that leave you wondering whether you’re getting the most value out of them. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The simplest way to redeem cash back is to take it as a credit that reduces your account balance: Redeem $50 worth of cash back, and a $325 balance becomes $275. In order to get cashback, you need to make a minimum transaction of Rs. It’s a great help for new cardholders looking to finance major purchases. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks. Click the card name to read our review. There’s no minimum spending or maximum rewards. Unlimited 1.5% Cash Back on your purchases. 4% Cash Back on Gas Purchases at Costco Locations and Qualifying Gas Stations; 3% Cash Back on Restaurant and Eligible Travel Purchases; 2% Cash Back at Costco; 1% Cash Back Everywhere Else. 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. What are the rules for getting your cash back? Capital One SavorOne Cash Rewards Credit Card - Best for Dining and Takeout. Terms and limitations apply. $95 $95 View Card Offers at creditcards.com Buy. Even the most generous cash-back credit cards rarely offer more than 5% cash back on any purchases. Cash-back cards that are great for travel, too, Pros: Why it's worth getting a cash-back card, Cons: Why a cash-back card might not be for you, Few perks. If you don’t do so by the middle of the last month of that quarter, you forfeit the 5% cash-back opportunity. The content on MoneyCrashers.com is for informational and educational purposes only and should not be construed as professional financial advice. A 2016 study by NerdWallet found in many cases, a consumer could get more value by using a cash-back card and using the cash rewards to pay for travel expenses. Read our review. Enjoy new 5% categories each quarter! You’ll see this with all rewards cards except flat-rate cards. There are no foreign transaction fees, and you can be automatically considered for a higher credit line in as little as six months. The ongoing APR is high, so you should plan on paying your balance in full each month; otherwise, interest will effectively eat up your rewards. It’s like getting an immediate 6% discount at your favorite restaurants, retailers, and e-commerce websites. MoneyCrashers.com does not include all banks, credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. Cash back credit cards offer simple savings on your everyday purchases. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. 5% cash back on grocery store purchases (not including Target or Walmart purchases) on … You'll earn 3% cash back in a category you choose and 2% at grocery stores and wholesale clubs, on up to $2,500 per quarter in combined spending in those categories. You can find plenty of choices with no annual fee or reasonable fees if you want superior cash-back rewards. Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account opening will get an additional 2.5 bonus points (an additional 5% back in rewards, for a total of 10%). 13 Best Cash-Back Credit Cards – Reviews & Comparison, 8 Best Low APR Interest Credit Cards – Reviews & Comparison, 18 Best Travel Rewards Credit Cards – Reviews & Comparison, 15 Best Hotel Rewards Credit Cards – Reviews & Comparison, 11 Best Gas Credit Cards – Reviews & Comparison, 12 Best Credit Cards for College Students – Reviews & Comparison, 22 Best Small Business Credit Cards – Reviews & Comparison, 10 Best Secured Credit Cards to Rebuild Credit – Reviews & Comparison. You get 3% cash back on U.S. supermarket purchases, up to the $6,000 annual limit. The annual fee is high for a cash-back card, but the stellar rewards rates on the. Terms Apply. Why this is one of the best cash back credit cards: The U.S. Bank Cash+ Visa Signature Card has no annual fee and offers cardholders a three-tiered cash back rewards program. Chase Freedom Unlimited is the ultimate flexible rewards card. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Add to compare. It pays 3% cash back on restaurant dining and entertainment, plus 2% back at grocery stores and 1% back on all other purchases. For example, you can get one card that offers extra cash back for dining, another that offers extra for shopping at Amazon, and another that gives extra for gas and groceries. But a few cards give you back 2% or even more. * Activate for free. A cash back credit card is a special type of credit card that reimburses a percentage of what you spend on that card. 1.50%Unlimited 1.5% Cash Back on your purchases. 6% Cash Back on select U.S. streaming subscriptions. Best cash back credit card for groceries and bills Scotia Momentum Visa Infinite * The Scotia Momentum Visa Infinite is a strong cash back card … like higher cash-back rates for some or all of your spending. Once you clear the $20 cash-back threshold, you can reap your rewards at Wells Fargo ATMs nationwide. Once you’ve decided which type of cash-back credit card works best for you, consider these factors: Nobody wants to pay an annual fee — and most cash-back cards don’t have one — but sometimes it can work out better. Great for: Bonus cash rewards and no annual fee Discover it® Cash Back. Top cashback credit cards Currently, the top cashback cards are from Amex – they have big intro bonuses and pay good ongoing rates. That’s because, cards with annual fees often have more lucrative rewards. When evaluating offers, please review the financial institution’s Terms and Conditions. Habitually carrying a balance from month to month more than negates your cash back earnings, adding to the actual cost of your purchases. A. found in many cases, a consumer could get more value by using a cash-back card and using the cash rewards to pay for travel expenses. Cash-back credit cards offer the most useful and flexible rewards currency there is: cash. You also get the issuer's signature "cash-back match" bonus in your first year. Plus, earn unlimited 1% cash back on all other purchases – automatically. You get a 0% intro APR period and a solid bonus offer, too. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. You get 1.5% cash back on all eligible purchases, and new cardholders can qualify for a solid bonus: The introductory 0% APR period on purchases is terrific, too. $250$250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Offer Expires 12/10/2020 The annual fee will be a sticking point for some, but the rewards will offset the fee if you spend just $31 a week at the supermarket. Bonuses might range from none to about $200, while some travel-card bonuses exceed $500. The Citi Double Cash card tops the Forbes list of the best cash back credit cards, and with good reason. 1%-20%3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). offers a compelling combination of a good rewards rate, redemption flexibility, sign-up bonus and introductory 0% APR period. . Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. The card’s 18-month 0% APR balance transfer promotion is among the best in the category, and the value-added perks are unusually generous for a no-annual-fee card. Just be sure to use them wisely. Silver Medal: Alliant Cashback Visa Signature. Others offer higher cash-back rates on certain spending categories, such as groceries or gas, and lower rates on everything else. Cards that offer more than 2% or 3% cash back typically require holders to keep track of specific spending categories or respect purchase limits. To earn cash back, pay at least the minimum due on time. Inappropriate for carrying a monthly balance. Spending in the 1% cash-back category earns 1 point per dollar, while spending in the 5% categories earns 5 points per dollar. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. So it applies to groceries, cleaning supplies, toiletries, prepared meals and anything else bought at the supermarket. gets best-in-class marks for pure value and simplicity: 2% cash back on every purchase — 1% when you make it and 1% when you pay it off. We believe everyone should be able to make financial decisions with confidence. » MORE: Beware of minimum redemption requirements. Blue Cash Preferred® Card from American Express - Best for Grocery Purchases. If you spend $60 at a restaurant using a card that gives 3% back on restaurant spending, you just earned $1.80 for doing nothing. If you are a business owner that regularly treats your employees to lunch or you take potential clients out, you should consider this card as well. That last point hints at the key to cash-back categories — the best ones are where you spend the most money regularly. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits. The Ink Business Unlimited® Credit Card earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. If you're looking for a non-Amex card, you can earn more with a supermarket card . Cash Back rewards do not expire as long as your account is open. The annual fee does cut into your earning potential somewhat – but since the 6% supermarket cash back doubles what most competing cards offer, you’re still likely to come out ahead if you take full advantage of this category. Learn more about this card and find out how to apply here. And others might allow you to transfer cash-back points to another card program where strategic use might yield better value. 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