Rewards: Earn 3% cash back on dining, entertainment, popular streaming services and grocery stores (which excludes superstores like Walmart and Target), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases. You can also easily calculate your earnings so you know precisely what to expect. Citi Double Cash Card. Best rewards currency. Blue Cash Everyday Card from American Express, Best for Bonus rewards: Popular 3% categories + no annual fee. The value in this card is all in the rewards rate, so there's no sign-up bonus or 0% period for purchases. Get up to S$200 cashback Member-Get-Member Promotion Get up to S$200 cashback Receive S$80 cashback when you activate your physical Simply Cash Credit Card within 30 days of card approval date. NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. You might get more cash back for certain types of spending at restaurants or gas stations, for example. Note the $500 monthly spending cap for the 5% rewards rate, which means the most you can earn per month in a bonus category would be $25. Earn 8% cash back on Capital One Entertainment purchases. It also does not allow you to earn cashback on bills payments. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. . To view rates and fees for Blue Cash Preferred Card from American Express please visit this page. All other spending earns 1% back. Enrollment required. , even after accounting for its annual fee, because of that card's high rewards rates. Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). This card comes with a 0% introductory APR for 15 months on purchases and eligible balance transfers. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. Opens Balance Transfer Credit Cards page in the same window. Must have or create a valid DoorDash account. Before applying, confirm details on the issuers website. Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay. Sometimes called "dining" this usually includes everything from fast-food restaurants and pizza delivery to white-tablecloth fine dining. You earn unlimited 1.5% cash back on every purchase, and you can redeem your cash back in any amount, with no minimum. 6% Cash Back on select U.S. streaming subscriptions. 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. Our experts have compiled a list of cards with some of the best cash back offers out there today, including 5% cash back in rotating categories, 2% cash back credit cards on everything, and cards with a $100-$500 cash bonus. You'll earn 8% back on Capital One Entertainment purchases and 3% back on dining, grocery stores, eligible streaming services and entertainment. Or say your card earns 5% at the gas station; in that case, a $42 fill-up would earn $2.10. See rates & fees). It offers the highest ongoing rewards rate of any flat-rate cash-back card, but it also charges an annual fee, and it limits the amount of spending that earns rewards. You can opt-in for Discover to remind you when the bonus categories are changing. Or, for a card with an annual fee, it might compensate for the annual fee for a few years. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. Welcome Offer: Earn $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. Read More: How Many Credit Cards Should I Have? But the rewards do ultimately leave you with more cash in your pocket. 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities). Terms apply. The rewards it pays in those categories particularly at U.S. supermarkets and on select streaming services are among the richest of any card. The Capital One SavorOne Cash Rewards Credit Card is worth consideration for those looking for a cash-back card with an introductory purchase APR. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Everything else earns 1% on everything else. Those earnings are accumulated in your cards rewards account and you can redeem the rewards according to your issuers requirements. You earn 6% cash back on up to $1,500 a quarter in combined spending at two retailers you choose from a list. Some cards let you pick which types of merchants earn the higher rates, but most have set categories. You can get 2% cash . Terms apply. The card charges an annual fee, although $31 a week in spending at your chosen retailers will return enough cash back to offset it. In recent years, a 1.5% rewards rate has become table stakes. No or low annual fees. The biggest feature of this card is that there is no capping on cashback. Cash-back cards typically require less than $1,000 in spending to earn the bonus, so shift as much spending as possible to a new card until you earn the bonus. 5% cashback on Amazon and Flipkart; 1% cashback on offline spends and wallet reloads. INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) worth up to $300 cash back! Redeem for Cash Back rewards Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards . If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. Underwritten by AMEX Assurance Company. 500. In general, the IRS treats cash-back rewards on a credit card as a discount and not earnings, especially if you take your cash-back rewards as a statement credit on your credit card. You'll earn 2% cash rewards on all purchases, among the best rates on the market for products in its class. Many of them allow you to take your earnings in the form of a statement credit, which reduces the monthly balance you need to pay on your bill. * Same page link to Offer Details And there is no minimum to redeem for cash back. Earn 2% cash-back on all purchases. Enjoy an exclusive joining bonus with Cashback Credit Card. Youll earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. Statement credits will be issued for the calendar quarter in which the transaction posts to your account. Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Cardholders earn 1.7% limitless cashback on all spend categories typically excluded from other cards, such as: insurance, school fees . Some cards allow you to take the cash back as a statement credit, which can lower your next credit card bill. (You typically have to spend $500 to $1,000 in the first few months.) Youre unlikely to find such valuable perks as reimbursement for TSA Precheck applications or free checked bags or early check-in at a hotel. If you carry a balance, youre likely to pay more in interest than you earn in cash-back rewards. 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities). All other purchases on the card typically earn 1% cash back. Calendar quarters are JanMarch, AprilJune, JulySeptember, OctoberDecember, and the partial calendar quarters at the beginning and end of the promotional period. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window. ** Same page link to disclaimer, If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Link toggles the More Products sub navigation, Opens Chase.com auto loans in a new window, Opens Chase.com home equity in a new window, Opens Chase.com investing in a new window, Opens Chase.com business banking in a new window, Opens Chase.com commercial banking in a new window, Opens Chase ATM and branch locator in a new window, Opens Marketplace homepage in the same window, . Opens All Credit Cards page in the same window. There are many great cash back cards on the market, but the card that will earn you the greatest rewards depends on your spending habits. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Some cash-back cards charge you a percentage of every purchase you make abroad. Some cash-back cards have a good 0% intro APR period, but most do not. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 27.49%. Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. Earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1% on all other purchases. All other purchases earn 1% cash back. Read More: How To Choose a Cash-Back Credit Card. So how do we make money? Typically, a cardholder can redeem rewards for money, issued as a statement credit, a check sent via mail or deposited directly into a qualifying bank account. Then, a standard rate of 15.74% - 26.74% variable APR applies. If you have an existing credit card with . The Chase Freedom Unlimited was already a fine card when it offered 1.5% cash back on all purchases. We strive to provide you with information about products and services you might find interesting and useful. Unlimited. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. (The 3% options are gas, dining, travel, online shopping, drugstores or home improvement and furnishings; you can change your choice once a month.). Discover helps remove your personal information from select people-search websites. Earn 3% back at restaurants and grocery stores, and on eligible streaming services and entertainment; and 1% cash back on all other purchases. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) Read our review. You may also see, "points" or "Ultimate Rewards points" when referring to the points you can use. After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. Learn More About Preferred Rewards. One con of a cash-back credit card is that theres an upper limit on your earnings. Annual Fee: $0 You may also be able to transfer points to partnering travel loyalty programs, effectively earning travel rewards. We apologize for the inconvenience. 3% Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%). 5% in Rotating Categories | 2% on Everything | $100 - $500 Cash Bonus Cards with 5% Cash Back in Rotating Categories 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. (You typically have to spend $500 to $1,000 in the first few months.) Earn 3% on dining at restaurants, including takeout and eligible delivery services. Citi Double Cash Card. What's the highest-paying cash-back card? You have to "opt in" or "activate" the bonus categories online each quarter. Cash-back cards tend to be far easier to understand and use than other types of cards that leave you wondering whether youre getting the most value out of them. End disclaimer. Best for Flat-rate cash back: High ongoing rate + incentives, Earn unlimited 2% cash rewards on purchases. 5% cashback on Flipkart, Myntra and 2GUD. . Youll see this with all rewards cards except flat-rate cards. Opens Visa Credit Cards page in the same window. New cardholders can snag this sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. 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. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. It pays a lower cash-back rate on dining and entertainment than the regularSavor card, but the rewards are nevertheless quite good. Not all card issuers offer shopping portals, but its worth checking. After that, the rewards rate will drop to 1%. You can cancel anytime on the DoorDash or Caviar mobile application. This offer is non-transferrable. Some of our selections for the best cash-back credit cards can be applied for through NerdWallet, and some cannot. will more than make up for it for families that spend a lot on groceries, gas, transit and streaming. * Same page link to Offer Details, Earn 1.5% on all other purchases. Supermarkets. Cash-back cards are easy to understand and use, but they can also seem boring. Best Unlimited Cash Back Credit Cards Best Overall: Wells Fargo Active Cash Card Generous welcome offer for a no-annual-fee card, Unlimited 1.5% minimum earn rate for cash back rewards, Requires a companion card to transfer points to travel partners. 1% Cash Back on other purchases. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Some have a minimum redemption requirement you might not be able to cash in your rewards until you have accumulated at least $20 or $25. Spend S$200 on eligible transactions and receive an additional S$140 cashback. Low bonus requirements. The EZ-Link facility enabled on Standard Chartered Unlimited Cashback Credit Cards issued before 8 December 2019 can still be used until the expiry date of the 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. Think of the fee as a reduction in your annual cash-back total. ** Same page link to disclaimer, You can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. like higher cash-back rates for some or all of your spending. For example, airline cards often offer, 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. Cash back is the most flexible of all credit card rewards. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. Plus, earn unlimited 1% cash back on all other purchases automatically. Flat-rate cash back: High ongoing rate + incentives. Options include Amazon, Walmart, Target, Best Buy, Home Depot and more. 2022 JPMorgan Chase & Co. Overall Cashback Benefit. Use the card's shopping portal for extra rewards. Tiered rewards cash-back cards earn different amounts back in different areas of spending. Opens Hotel Credit Cards page in the same window. MORE: Cash-back cards that are great for travel, too. We're sorry, this page is temporarily unavailable. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose (like Amazon.com, Walmart, Target and more). (In addition to the rotating categories, this card earns 5% cash back on travel booked through Chase Ultimate Rewards; 3% back at drugstores and restaurants; and 1% back on everything else). pays elevated rewards at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases. 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. 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. Member FDICEqual Housing Lender, Clickable card art links to Chase Freedom Unlimited (Registered Trademark) credit card product page Excellent customer service, awesome reward points, very good fraud protection, one of the best cards ive ever had. Rewards: Earn 2% cash rewards on purchases. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); Earn 6% cashRead More, $0 intro annual fee for the first year, then $95. Some of our selections for the best cash-back credit cards. There is no charge from Chase, but message and data rates may apply. Customizable rewards: 3% categories you can adjust monthly. Flipkart Axis Bank Credit Card. You can use your rewards at Amazon.com checkout. A cash sign-up bonus is nice to get if your regular spending will be enough to earn it. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can opt-in for Discover to remind you when the bonus category changes. What are the rules for getting your cash back? S$ 0. is for you. Enrollment required. And don't sleep on the sign-up offer: earns a simple, straightforward rate on all purchases, and you can boost that rate even further if you're eligible for the Bank of America Preferred Rewards program. Love the night life but dead-set against paying an annual fee? 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. And like many cash-back cards, this one's not ideal for traveling abroad, thanks to its foreign transaction fee. Safeguard your account using real-time monitoring for possible signs of fraudulent activity. Before you leave, please take a moment to answer these 4 simple questions. Cancellation goes into effect during the next billing cycle. Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Hence, the bigger your spendings, the bigger cashback you can fetch. In past years,those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. Rewards: The Chase Freedom Flex packs a punch when it comes to earning rewards. Sometimes card issuers call this category groceries, but the rewards are determined by the type of store, not the specific items you purchase. Other Benefits and Drawbacks: The Capital One SavorOne Cash Rewards credit card does not charge foreign transaction fees. There's no minimum spending or maximum rewards. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter's maximum, or will not qualify if the promotional period has ended. In addition, be sure to cash out your rewards before you close a credit card account. Pre-qualified offers are not binding. Annual Fee: $0 It might be the most customizable cash back card available. You won't have to pay an annual fee Same page link to Pricing and Terms for all the great features that come with your Freedom Unlimited card. Card issuers offer cash-back rewards to incentivize use of a card. 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center. But in addition, the card offers a rich sign-up bonus and a generous 0% intro APR on both purchases and balance transfers. However, this does not influence our evaluations. With rotating bonus category cards, you will earn higher-than-average rewards, typically about 5%, on specific areas of spending up to a quarterly maximum. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. 7. Accounts subject to credit approval. . * Same page link to Offer Details, 0% intro APR for 15 months from account opening on purchases and balance transfers. Same page link to Pricing and Terms After the intro period, a variable APR of 18.74(7.00 + 11.74)%27.49(7.00 + 20.49)%. Same page link to Pricing and Terms Balance transfer fee applies, see pricing and terms for more details. Same page link to Pricing and Terms. 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