6 of the best Cash Back Cards

Cash-back cards can make great starter cards if you're unsure of the miles and points world, and just want to begin your credit card journey. For travel, you'll find the most benefit out of a credit card that earns rewards points with a particular bank, airline, or hotel; however, a handful of these cash-back cards can actually turn their cash-back rewards into valuable points if paired with another card. You can find those specific details for each card by clicking on it to read more about its unique features.

🏆 Best for $0 annual fee

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

🏆 Best for $0 annual fee

Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
The Chase Freedom Unlimited isn't your average cash-back card. It offers solid earning categories on both travel and everyday purchases making it an excellent choice to keep in your wallet. Plus, it will unlock even more value if paired with one of Chase's more premium cards—the ability to turn your cash-back into Ultimate Rewards points!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for Capital One Cash Back

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

🏆 Best for Capital One Cash Back

$250
Cash Back
LIMITED TIME OFFER
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$250
Cash Back
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
The Capital One Savor card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

$200
Cash Back
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
$200
Cash Back
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
The Blue Cash Everyday Card from American Express is a popular cash-back credit card that provides valuable rewards for everyday spending (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). It also offers new card members a welcome bonus and has no annual fee, making it a practical choice for those looking to maximize their cash-back rewards without additional costs.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

$0 intro annual fee the first year, then $95

Rates & Fees
|
Terms Apply
$250
Cash Back
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
Cash Back
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
The Blue Cash Preferred Card from American Express is a premium cash-back credit card, offering exceptional rewards for everyday spending (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). Although it has an annual fee (after a $0 annual fee the first year), the generous rewards and welcome bonus make it an attractive choice for individuals and families looking to maximize their cash-back earnings.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best For Office Supply Purchases

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

🏆 Best For Office Supply Purchases

Up to $750
Cash Back
LIMITED TIME OFFER
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
Up to $750
Cash Back
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
The Ink Business Cash® Credit Card is an ideal choice for small business owners. With this card, you can earn cash back on a range of business expenses, including office supplies, internet, cable, and phone services, while enjoying valuable perks such as employee cards at no extra cost, making it a practical and cost-effective solution for managing your business finances!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for $0 Annual Fee (Business)

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

🏆 Best for $0 Annual Fee (Business)

$900
Cash Back
LAST CALL
Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 in the first 3 months from account opening. Offer ends 11/7/2024 at 9 AM EST.
$900
Cash Back
Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 in the first 3 months from account opening. Offer ends 11/7/2024 at 9 AM EST.
The Ink Business Unlimited® Credit Card is one of the BEST business cards on the market with no annual fee! With this card, you can earn unlimited cash back on all your business purchases, and it offers a simple and straightforward way to manage expenses, making it a practical choice for businesses of all sizes.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

6 of the best Cash Back Cards

Cash-back cards can make great starter cards if you're unsure of the miles and points world, and just want to begin your credit card journey. For travel, you'll find the most benefit out of a credit card that earns rewards points with a particular bank, airline, or hotel; however, a handful of these cash-back cards can actually turn their cash-back rewards into valuable points if paired with another card. You can find those specific details for each card by clicking on it to read more about its unique features.

🏆 Best for $0 annual fee

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

🏆 Best for $0 annual fee

Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300
Cash Back
Earn an extra 1.5% on everything you buy (on up to $20k spent in the first year) — worth up to $300 cash-back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
The Chase Freedom Unlimited isn't your average cash-back card. It offers solid earning categories on both travel and everyday purchases making it an excellent choice to keep in your wallet. Plus, it will unlock even more value if paired with one of Chase's more premium cards—the ability to turn your cash-back into Ultimate Rewards points!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for Capital One Cash Back

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

🏆 Best for Capital One Cash Back

$250
Cash Back
LIMITED TIME OFFER
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$250
Cash Back
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
The Capital One Savor card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

$200
Cash Back
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
$200
Cash Back
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
The Blue Cash Everyday Card from American Express is a popular cash-back credit card that provides valuable rewards for everyday spending (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). It also offers new card members a welcome bonus and has no annual fee, making it a practical choice for those looking to maximize their cash-back rewards without additional costs.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

$0 intro annual fee the first year, then $95

Rates & Fees
|
Terms Apply
$250
Cash Back
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
Cash Back
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
The Blue Cash Preferred Card from American Express is a premium cash-back credit card, offering exceptional rewards for everyday spending (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). Although it has an annual fee (after a $0 annual fee the first year), the generous rewards and welcome bonus make it an attractive choice for individuals and families looking to maximize their cash-back earnings.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best For Office Supply Purchases

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

🏆 Best For Office Supply Purchases

Up to $750
Cash Back
LIMITED TIME OFFER
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
Up to $750
Cash Back
Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months.
The Ink Business Cash® Credit Card is an ideal choice for small business owners. With this card, you can earn cash back on a range of business expenses, including office supplies, internet, cable, and phone services, while enjoying valuable perks such as employee cards at no extra cost, making it a practical and cost-effective solution for managing your business finances!
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for $0 Annual Fee (Business)

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

🏆 Best for $0 Annual Fee (Business)

$900
Cash Back
LAST CALL
Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 in the first 3 months from account opening. Offer ends 11/7/2024 at 9 AM EST.
$900
Cash Back
Earn $900 bonus cash back (or 90,000 points when redeemed for travel) after you spend $6,000 in the first 3 months from account opening. Offer ends 11/7/2024 at 9 AM EST.
The Ink Business Unlimited® Credit Card is one of the BEST business cards on the market with no annual fee! With this card, you can earn unlimited cash back on all your business purchases, and it offers a simple and straightforward way to manage expenses, making it a practical choice for businesses of all sizes.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Personal Cards

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Business Cards

No items found.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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Which Card is Right for You?

Choosing the ideal cash-back card depends on your spending habits and cash-back preferences. Are you looking for higher cash-back on specific categories, or do you prefer a flat-rate return on all your purchases? We’ll help you find the card that maximizes those rewards.

Other Ways to Earn

Thank goodness you don't have to settle for just cash-back on purchases. Explore additional earning opportunities such as rotating categories, bonus promotions, and partnerships that can amplify your cash-back rewards and enhance your overall savings. The best part? Some of these cards allow you to turn your cash-back into sweet, sweet miles and points.

Pros and Cons

Pros

[.pro] Earn cash back on your everyday purchases, which means real savings you can use immediately or redeem as cash [.pro]

[.pro] Cash-back cards often have straightforward rewards structures with easy-to-understand earning rates and redemption options [.pro]

Cons

[.con] While many cash-back cards have no annual fee, be aware of other fees like foreign transaction fees that can eat into your cash back earnings [.con]

[.con] Cash back cards generally offer fewer travel perks and premium benefits compared to rewards cards with annual fees [.con]

FAQs

How does a cash back card work?

A cash-back card earns you a percentage of your spending back as cash. This can be a flat rate on all purchases or higher rates in specific categories like groceries or dining. And, many cards will allow you to turn that cash-back into points if you hold another card from that bank.

Are there any restrictions on cash back earnings?

Some cash-back cards have limits on how much you can earn in certain categories or during promotional periods. Always check the terms to understand any caps or restrictions.

Can I redeem cash back for anything?

Cash back can typically be redeemed as a statement credit, deposited into a bank account, or sometimes used for giftcards (or miles and points). Check your card issuer’s redemption options to see what’s available.

Can I earn cash back on all my purchases?

Most cash back cards allow you to earn cash back on all purchases, though the rate may vary by category or spending type. Review the card’s terms to see how rewards are structured.

Authors

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor