Credit Cards

TOP 6 cash back credit cards: learn the best options

Cash back credit cards are easy to use and offer you the best value of any rewards program. Check this review to learn about 6 different cash back cards, their benefits, and how to choose one that works for you.

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by Aline Barbosa

Published on 04/06/2022

Find your best cash back credit card: Earn rewards on everything you buy!

cashback logo
Learn the best cash back cards! Source: Adobe Stock.

A credit card must provide much more than purchasing power for its clients in this day and age. Everyone loves to shop, but wouldn’t it be even better if you could get rewarded for spending your hard-earned money? Well, you can! This article will present the top 6 best cash back credit cards on the market. 

Whether you’re looking for travel-related perks, bonus points for daily expenses, or money into your bank account, we’ve got it all. Whatever your needs may be, we can help you find the perfect card for you. So read on for information that will help make your next credit card purchase a rewarding one!

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5 best cards that offer welcome bonuses

If you're looking for a new credit card, check out our list of the best cards that offer welcome bonuses.

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Choose the best credit cards with cash back: 6 options for you!

It’s no secret that credit card rewards can be highly lucrative. Whether you’re looking for a card with a great sign-up bonus, unlimited cash back, or flexible redemption options, there is definitely a card out there that fits your needs. See below our top picks for the best cash back credit cards to help you choose!

Chase Freedom Unlimited®

Chase Freedom Unlimited® cards
Meet the Chase Freedom Unlimited® credit card. Source: Stealth Capitalist.

Chase offers one of the best cash back credit cards for anyone looking for a high rewards rate with no fuss. Its sign-up bonus adds a 1.5% return on every purchase you make up to $20,000 during the first year of card membership with a lengthy 0% APR intro and a $0 annual fee. 

You also get 5% back on travels booked by the Chase Ultimate Rewards program, 3% o dining and takeout, 3% on drugstore purchases, and 1.5% on literally everything else! There’s no minimum redemption limit, and you can choose between statement credits or direct money deposits into a checking or savings account.

Credit ScoreGood – Excellent
Annual Fee$0
Regular APR14.99% – 23.74% (variable)
Welcome bonusAdditional 1.5% cash back on every purchase (on up to $20,000 spent in the first year)
Rewards5% cash back on travel purchased through Chase Ultimate Rewards;
3% cash back on dining and takeout;
3% back on drugstore;
1.5% cash back on all other purchases.
Chase Freedom Unlimited® card

How to apply for Chase Freedom Unlimited® Card?

Check the easy and fast application for the Chase Freedom Unlimited® Credit Card and start earning today!

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Citi® Double Cash Card

This card stands out purely for its simplicity. The Citi® Double Cash Card offers new cardholders a 0% intro APR for 18 months on balance transfers and charges no annual fee. There’s no sign-up bonus, but you can earn 2% cash back on every purchase you make. 1% when you buy, and an extra 1% when you pay for the purchased items.

You don’t have to worry about tracking rewards categories or fees to decrease the value of your earnings. To redeem your cash back, you must pay at least the minimum amount on your bill on time. 

Credit ScoreGood – Excellent
Annual Fee$0
Regular APR14.24% – 24.24% (variable)
Welcome bonusN/A
Rewards2% unlimited cash back in all purchases – 1% when you buy, and 1% when you pay your credit card bill.

Capital One Quicksilver Cash Rewards

The Capital One SavorOne Cash Rewards card is another great option for customers looking for a straightforward product. You get 1.5% cash back on every purchase, every day with it. There are no rotating categories, no limit to how much you can earn, and the cash back doesn’t expire as long as the account is open. 

New cardholders get a 0% introductory APR for 15 billing cycles on purchases and balance transfers. The sign-up bonus is one of the most profitable on the market, with a $200 cash value. There are also no annual fees or foreign transaction fees, making this product a valuable travel companion.

Credit ScoreGood – Excellent
Annual Fee$0
Regular APR15.24% – 25.24% (variable)
Welcome bonus$200 cash bonus after spending $500 on purchases within 3 months from account opening
Rewards1.5% flat rate on any purchase.

Bank of America® Customized Cash Rewards

Even though this credit card requires you to track your rewards categories, it gives you a 3% return on purchases you make on a daily basis. You can also choose which purchases will earn the highest rates and maximize your rewards. There’s also a 2% return on groceries and wholesale clubs and 1% on everything else.

There’s no annual fee and no expiration date on rewards. New cardholders get a 0% intro APR for 15 billing cycles on balance transfers and purchases made within the first 60 days. There is a $200 online cash reward sign-up bonus, and Preferred Rewards members can earn up to 25% – 75% more cash back. 

Credit ScoreGood – Excellent
Annual Fee$0
Regular APR13.99% – 23.99% (variable)
Welcome bonus$200 online cash rewards bonus after at least $1,000 in purchases within the first 3 months
Rewards3% cash back in the category of your choice;
2% at grocery stores and wholesale clubs;
1% on all other purchases

Discover it® Cash Back

Discover it® Cash Back card offers a 5% cash back rate on different categories each quarter, which requires some tracking on your side. However, the categories are usually places where you’d normally spend a lot of money. There’s also a 1% flat cash back rate on all other purchases. 

Its sign-up bonus is one of the most profitable welcome rewards on the market, and you can maximize your earnings by prioritizing this card on your everyday spending. After the first year of usage, Discover will match all cash back you’ve earned. There’s no minimum spending and no maximum rewards. 

Credit ScoreGood – Excellent
Annual Fee$0 
Regular APR11.99% – 22.99% (variable).
Welcome bonusUnlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year.
Rewards5% cash back on everyday purchases at different places each quarter;
1% cash back on all other purchases.

Chase Freedom Flex℠

Chase Freedom Flex℠ cards
Meet the Chase Freedom Flex℠ credit card. Source: Stealth Capitalist.

The Chase Freedom Flex℠ is a must-have on any “best cash back credit cards” list. With it, you get a generous 5% rate on 2 fixed bonus categories that change every quarter. There’s also a 5% return on travel booked by Chase Ultimate Rewards, 3% on dining and drugstores, and 1% on all other purchases. 

You won’t have to worry about annual fees, minimum value to redeem your earned points or expiration dates with this card. You can choose between getting statement credits or direct money deposits for all cash back value. 

All new cardholders get a 0% intro APR for 15 billing cycles on purchases and balance transfers. The sign-up bonus grants new card members $200 after spending at least $500 on purchases within the first 3 months.  

Credit ScoreGood – Excellent
Annual Fee$0
Regular APR14.99% – 23.74% (variable)
Welcome bonus$200 after spending $500 on purchases within 90 days of account opening
Rewards5% cash back on 2 fixed bonus categories;
5% cash back on travel booked through Chase Ultimate Rewards;
3% cash back on dining and drug stores;
1% cash back on all other purchases.
Chase Freedom Flex℠ card

How to apply for a Chase Freedom Flex℠ Credit Card

Follow this easy step-by-step guide and apply for your Chase Freedom Flex℠ in minutes!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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