Cash Back Credit Cards - Reviews
Cash back credit cards let you pocket earnings on eligible purchases and spend your rewards anywhere you like. To earn the most cash back rewards, you need to pick the best cash back credit card for your spending habits. Some pay a 1% to 2% flat rate on all of your purchases. Others offer cash back rates as high as 5%, but only on eligible purchases like travel or dining.
Many cash back credit cards have generous welcome offers that give you a hefty rewards balance from day one. Along with cash back perks, some cash back credit cards also offer 0% introductory APR on purchases and balance transfers upon application approval, plus nifty benefits like flexible payment plans for large purchases and discounts at select stores.
Our CreditCards.com experts reviewed hundreds of cash back credit card offers based on several factors. Cash back rates, welcome offers, redemption simplicity and interest rates are the key criteria we used. In our cash back credit card reviews below, you can compare our experts’ top picks from our partners for 2021 and find recommendations on the best cash back credit cards for your spending habits.
Bank of America® Unlimited Cash Rewards credit card
Last reviewed: May 8, 2024
If you’re a Bank of America Preferred Rewards® program member at the Platinum tier or higher, the Unlimited Cash Rewards card is hands-down one of your best flat-rate cash back options. If not, you can probably do better.
Capital One Quicksilver Cash Rewards Credit Card
Last reviewed: May 7, 2024
With a decent sign-up bonus, unlimited 1.5 percent cash back on every purchase and few restrictions on redemption, the Quicksilver Cash Rewards card offers a fair amount of value; but it doesn’t offer nearly as much cash back as other cards.
Bank of America® Customized Cash Rewards Card for Students
Last reviewed: May 8, 2024
The Bank of America Customized Cash Rewards credit card for Students offers a generous rewards rate and online cash rewards bonus for new cardholders.
Upgrade Triple Cash Rewards Visa®
Last reviewed: May 8, 2024
This card offers one of the higher cash back rates you can find in niche categories like home, health and auto purchases. But based on the average person’s spending habits, it’s unlikely to be particularly rewarding in the long term.