Best Cash-Back Credit Cards
This blog post highlights the best cash-back credit cards across various spending categories. Whether you’re a grocery guru or a travel enthusiast, there’s a card out there to maximize your rewards.
Top Picks:
- Best Overall: Chase Freedom Unlimited® Credit Card – Offers a well-rounded rewards program with bonus categories, long intro APR, and a sign-up bonus.
- Best Rotating Cash-Back: U.S. Bank Cash+® Visa Signature® Card – Earn up to 5% cash back in two customizable categories each quarter, plus 2% back in another category of your choice.
- Best Flat-Rate Cash-Back: Citi® Double Cash Card – Earns a consistent 2% cash back on all purchases (1% when you buy, 1% when you pay your statement).
- Best for Supermarket Purchases: Blue Cash Preferred® Card from American Express – Earns a whopping 6% cash back on up to $6,000 in annual U.S. supermarket spending.
Cards for Specific Needs:
- Simplicity: Capital One Quicksilver Cash Rewards Credit Card – Straightforward 1.5% cash back on most purchases, with 5% back on travel booked through Capital One.
- Grocery Delivery: Instacart Mastercard® – Earns 5% cash back on Instacart purchases and grants a free year of Instacart+ membership.
- Customizable Cash Back: Citi Custom Cash℠ Card – Automatically earns 5% cash back on your top spending category each month (up to $500).
- Restaurants & Entertainment: Capital One SavorOne Cash Rewards Credit Card – Enjoy 3% cash back on dining, entertainment, groceries (excluding superstores), and streaming, plus bonus rates for Uber Eats and Capital One Entertainment purchases.
- Flexible Cash Back: Bank of America® Customized Cash Rewards Credit Card – Select your preferred 3% cash-back category each quarter and earn 2% back on warehouse and grocery stores.
- Buying in Bulk: Costco Anywhere Visa® Card by Citi – Rewards loyal Costco shoppers with 2% back on all Costco purchases (4% for Executive members) and additional cash back on gas.
Remember: Consider your spending habits and choose a card that aligns with your needs.
Additional Factors:
- Annual Fee: Some cards offer higher rewards but come with an annual fee. Weigh the potential rewards against the fee to see if it’s worthwhile.
- Sign-up Bonus: Many cards incentivize new applicants with a bonus for reaching a minimum spending requirement within a set timeframe.
- Introductory APR: Some cards offer a 0% intro APR period on purchases and/or balance transfers. This can be helpful for financing a large purchase or paying down existing debt.
Do your research and pick the card that best suits your financial goals!
Best Cash-Back Credit Cards
