The Best Cash Back Credit Card Offers
- Finance
- By Kirstie H. on
Want to earn cash back rewards while spending money? Here are the best cash back credit card offers on the market right now.
When it comes to credit cards, cash back credit cards offer the biggest, most flexible reward there is — cash. With a cash back credit card, you get a cash reward for every dollar you spend. Some credit cards have relationships with affiliates that gain you even more cash back on certain spending, such as travel or gas stations.
For instance, if you spend $50 at a restaurant using a card that gives 2% cash back rewards on restaurant spending, you will earn $1.00 for eating out! Think of a cash back credit card as a way to get a discount on everything you buy! Keep reading to learn more about the best cash back credit card offers on the market right now.
Chase Freedom Unlimited® Card
The Chase Freedom Unlimited® card offers 1.5% cash back on all purchases, plus you can get bonus rewards on travel that you book through Chase! Earn 3% cash back on dining at restaurants, 3% cash back on dining at restaurants, drugstores, and 1.5% cash back on all other purchases everywhere else!
New card members are also eligible for a generous bonus of $200 plus an additional 5% cash back at gas stations! To earn this offer, all you have to do is spend $500 on any purchases in the first three months of your account opening.
Plus, enjoy a 0% intro APR for 15 months on all of your purchases and balance transfers. After the introductory period has ended, you can expect to pay anywhere from 15.74%–24.49%.
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card has $0-annual-fees and offers an excellent rewards rate on anything you buy. Right now, new card members can earn $200 cash rewards if they spend $1,000 in the first three months. Plus, card members also receive 2% cash back on all purchases — from restaurants and gas stations to travel and online shopping!
Other perks include up to $600 of cell phone protection against damage or theft — all you have to do is pay your monthly cell phone bill with your Wells Fargo Active Cash® Card!
In addition, new card members can enjoy a 0% APR introductory rate for up to 15 months. After the introductory period is over, you can expect a variable APR of 16.49%, 21.49%, or 26.49%.
Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card differs from many other cash-back credit cards as it offers customers a generous 5% reward on their top eligible spending category for the month! Eligible categories include:
- Restaurants
- Gas stations
- Grocery stores
- Certain travel
- Certain streaming services
- Drugstores
- Home improvement stores
- Fitness clubs
- Live entertainment
All other purchases receive 1% cash back. New customers also have the opportunity to earn $200 cash back after they spend $750 on purchases in the first three months of opening their account.
Discover it® Cash Back
If you want a generous cash back card that's also flexible, check out the Discover it® Cash Back card. Customers get 5% cash back on up to $1,500 of their quarterly spending in eligible categories. Some of those eligible categories include:
- Amazon.com
- Select grocery stores
- Restaurants
- Gas stations
- PayPal
Plus, there is no annual fee, and customers can take advantage of "Cash back Match," which gets you an unlimited dollar-for-dollar match of all cash back you earn at the end of your first year — automatically!
Capital One SavorOne Cash Rewards Credit Card
If you're a foodie, you'll love the Capital One SavorOne Cash Rewards Credit Card. This $0-annual-fee credit card offers customers a very generous unlimited 3% cash back on dining and purchases at grocery stores! Plus, you can also get 3% back on certain streaming services and entertainment, as well as 1% cash back on all other purchases!
In addition, new card members are eligible to earn a $200 cash bonus if they spend $500 on purchases within the first three months of opening their account!
Blue Cash Preferred® Card from American Express
If you can get past the $95 annual fee, the Blue Cash Preferred® Card from American Express has a lot of perks to offer — including 6% cash back at grocery stores and a low introductory APR of 0% for 12 months! You also have the option of splitting up larger purchases into easy-to-manage monthly installments with the American Express "Plan It" features.
New customers could also earn a $400 bonus if they make $3,000 or more in purchases on their new Card within the first six months. If eligible, you'll receive your $400 back as a statement credit against your balance due!