16 Best Cash Back Credit Cards of 2024

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Cash back credit cards are an easy way to generate income every month. The key is to find cards with the highest rewards that match your spending habits. To help, here is our updated list of the best cash back credit cards.

In 2018 I began saving and investing the cash back rewards we earned from credit cards. In 2019 alone we earned $4,177.83 in credit card rewards. As of February 2020, our balance has grown to $9,306.53. As of 2024, our balance has grown to $42,741.60.

Without sacrificing our lifestyle in any way, we’ve been able to save more than $42,000 by strategically using credit card rewards. To help you maximize your rewards, in this article, we’ll look at the best cash back credit cards available today. We’ll also show you examples of how your rewards for each credit card can grow if you choose to invest them.

Best Cash Back Credit Cards

We divide all rewards credit cards into one of three categories: Daily Driver, Triple Play, and Category King cards. Daily Driver cards should be your first credit card. Daily drivers earn 1.5% to 2% cash back or 2x points or miles on your everyday purchases. Triple Play credit cards earn 3% cash back or 3x points or miles on at least three spending categories. Category King cards earn 5% cash back or 5x points or miles on one or more categories.

Learn more: Introducing the 1-2-3 Cash Back System to Maximize Your Rewards

Daily Driver Credit Cards

The daily driver should be your first credit card and should earn at least 1.5% cash back on your everyday purchases. However, we recommend choosing a card that earns at least 2% on all purchases. If you only want to carry one credit card, make it a daily driver.

Wells Fargo Active Cash® Card

What Is the Value of Your Wells Fargo Active Cash® Card Rewards Over Time?

We mentioned investing credit card rewards at the beginning of this article. We call it Rewards Stacking. In the example below and the others in this article, we’ll assume an annual spend of $24,000. We’ll also adjust the spending categories in a way that makes the most sense for each credit card. You’ll see an estimate of the total annual cash back and how the value can grow if invested at a 9% return for 10 years and 20 years.

Most of the credit cards in this list do not have an annual fee. But, for the ones that do, we will also adjust the calculation to account for the annual fee. Keep in mind when looking at these numbers, we also assume paying your balance in full each month. Otherwise, paying interest on your balance devalues credit card rewards.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
All Purchases	$24,000	2%	$480	$7,900	$26,595

 Citi^® Double Cash Card 

What Is the Value of Your Citi^® Double Cash Card Rewards Over Time?

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
All Purchases	$24,000	2%	$480	$7,900	$26,595

 Robinhood Gold Card 

What Is the Value of Your Robinhood Gold Card Rewards Over Time?

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
All Purchases	$24,000	3%	$720	$11,850	$39,892

Bread Cashback™ American Express® Credit Card

What Is the Value of Your Bread Cashback™ American Express® Credit Card Rewards Over Time?

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
All Purchases	$24,000	2%	$480	$7,900	$26,595

 Alliant Cashback Visa® Signature Credit Card

What Is the Value of Your Alliant Cashback Visa® Signature Credit Card Rewards Over Time?

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
All Purchases	$24,000	2.5%	$600	$9,875	$33,243

Capital One Quicksilver Cash Rewards Credit Card

What Is the Value of Your Capital One Quicksilver Cash Rewards Credit Card Rewards Over Time?

Since this credit card also earns elevated rewards on some travel booked through Capital One Travel, we added a travel spending category in the example below. We also chose a modest spend for that category to avoid inflating the investing estimates.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Other Purchases	$22,800	1.5%	$342	–	–
Travel booked through Capital One Travel	$1,200	5%	$60	–	–
Total	24,000	–	$402	$6,616	$22,273

Capital One QuicksilverOne Cash Rewards Credit Card

What Is the Value of Your Capital One QuicksilverOne Cash Rewards Credit Card Rewards Over Time?

This credit card has a small annual fee. For the example below, we’ll subtract the credit card annual fee from the annual cash back total.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Other Purchases	$22,800	1.5%	$342	–	–
Travel booked through Capital One Travel	$1,200	5%	$60	–	–
Total	$24,000	–	$363 ($402 – $39 annual fee)	$5,975	$20,112

U.S. Bank Smartly™ Visa Signature® Card

What Is the Value of Your U.S. Bank Smartly™ Visa Signature® Card Rewards Over Time?

This card doesn’t have an annual fee, but you do have the potential to earn more cash back, depending on if you have a savings account with U.S. Bank.

Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
$24,000	2%	$480	$7,900	$26,595
$24,000	2.5%	$600	$9,875	$33,243
$24,000	3%	$720	$11,850	$39,892
$24,000	4%	$960	$15,800	$53,189

Triple Play Credit Cards

These credit cards earn elevated rewards of at least 3% in three or more categories, and they make an excellent second credit card.

Chase Freedom Unlimited®

What Is the Value of Your Chase Freedom Unlimited® Rewards Over Time?

This credit card currently has a unique welcome offer that increases the amount of cash back you can earn in the first year. The example below calculates the estimated cash back you can earn if you already carry the card or beginning in year two for new card holders.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Travel booked through Chase TravelSM	$1,200	5%	$60	–	–
Dining	$3,000	3%	$90	–	–
Drugstores	$600	3%	$18
Other Purchases	$19,200	1.5%	$288
Total	$24,000	–	$456	$7,505	$25,265

If you’re curious how much cash back you can earn in your first year with the welcome offer, we did the math. Assuming you earn the max $300 cash back from the welcome offer, you can add that to the $456 total annual cash back in the example below to get $756 cash back in your first year. Consider if you invest that amount in year one and then contribute the $456 estimated annual cash back for 10 and 20 years. We estimate rewards valued at $8,215 after 10 years and $26,946 after 20 years.

Blue Cash Preferred® Card from American Express

What Is the Value of Your Blue Cash Preferred® Card from American Express Rewards Over Time?

For this credit card, the annual fee is $0 intro annual fee for the first year, then $95. We’ll subtract the annual fee from the annual cash back total.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
U.S. Supermarkets	$6,000	6%	$360	–	–
U.S. Streaming Subscriptions	$1,200	6%	$72	–	–
U.S. Gas Stations and Transit	$2,400	3%	$72	–	–
Other Purchases	$14,400	1%	$144	–	–
Total	$24,000	–	$553 ($648 – $95 annual fee)	$9,102	$30,639

Now, imagine if you use this triple play credit card for groceries, streaming, and gas and then use a daily driver credit card for other purchases. You can earn 2% cash back on all your other purchases instead of 1% cash back. Here’s what the value of rewards can look like over time.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
U.S. Supermarkets	$6,000	6%	$360	–	–
U.S. Streaming Subscriptions	$1,200	6%	$72	–	–
U.S. Gas Stations and Transit	$2,400	3%	$72	–	–
Other Purchases with Daily Driver	$14,400	2%	$284	–	–
Total	$24,000	–	$693 ($788 – $95 annual fee)	$11,406	$38,396

Blue Cash Everyday® Card from American Express

What Is the Value of Your Blue Cash Everyday® Card from American Express Rewards Over Time?

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
U.S. Supermarkets	$6,000	3%	$180	–	–
U.S. Online Retail Purchases	$3,000	3%	$90	–	–
U.S. Gas Stations	$2,400	3%	$72	–	–
Other Purchases	$12,600	1%	$126	–	–
Total	$24,000	–	$468	$7,703	$25,930

As we did with the previous credit card, let’s look at how the value changes when you use a daily driver card for other purchases. Again, this allows you to earn 2% cash back on other purchases instead of 1% cash back.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
U.S. Supermarkets	$6,000	3%	$180	–	–
U.S. Online Retail Purchases	$3,000	3%	$90	–	–
U.S. Gas Stations	$2,400	3%	$72	–	–
Other Purchases with a Daily Driver	$12,600	2%	$252	–	–
Total	$24,000	–	$594	$9,776	$32,911

Capital One Savor Cash Rewards Credit Card

What Is the Value of Your Capital One Savor Cash Rewards Credit Card Rewards Over Time?

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Grocery Stores (excluding Target and Walmart)	$5,400	3%	$162	–	–
Dining	$3,000	3%	$90	–	–
Popular Streaming Services	$600	3%	$18	–	–
Capital One Entertainment	$250	8%	$20	–	–
Other Entertainment	$1,200	3%	$36	–	–
Hotels & Rental Cars Booked through Capital One Travel	$600	5%	$30	–	–
Other Purchases	$12,950	1%	$129.50	–	–
Total	$24,000	–	$485.50	$7,982	$26,872

Here’s how the value changes if you use a 2% cash back daily driver credit card for other purchases:

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Grocery Stores (excluding Target and Walmart)	$5,400	3%	$162	–	–
Dining	$3,000	3%	$90	–	–
Popular Streaming Services	$600	3%	$18	–	–
Capital One Entertainment	$250	8%	$20	–	–
Other Entertainment	$1,200	3%	$36	–	–
Hotels & Rental Cars Booked through Capital One Travel	$600	5%	$30	–	–
Other Purchases with a Daily Driver	$12,950	2%	$259	–	–
Total	$24,000	–	$615	$10,122	$34,074

PNC Cash Rewards® Visa® Credit Card 

What Is the Value of Your PNC Cash Rewards® Visa® Credit Card Rewards Over Time?

Keep in mind, there is a cap on the elevated rewards with this card. So, while we did keep an overall spend of $24,000 in our calculations below, this card is best for a modest spender or paired with a daily driver credit card.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Gas	$1,800	4%	$72	–	–
Dining	$3,600	3%	$108	–	–
Groceries	$2,600	2%	$52	–	–
Other Purchases	$16,000	1%	$160	–	–
Total	$24,000	–	$392	$6,452	$21,719

Here’s what the value of rewards can look like when you combine this card with a 2% daily driver.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Gas	$1,800	4%	$72	–	–
Dining	$3,600	3%	$108	–	–
Groceries	$2,600	2%	$52	–	–
Other Purchases with a Daily Driver	$16,000	2%	$320	–	–
Total	$24,000	–	$552	$9,085	$30,584

Category King Credit Cards

We call these Category King credit cards because they earn excellent rewards in at least one category. These cards are excellent third credit cards. Use this card for the one category, the triple play card for the select categories, and the daily driver for everything else.

U.S. Bank Cash+® Visa Signature® Card

What Is the Value of Your U.S. Bank Cash+® Visa Signature® Card Rewards Over Time?

In the example below, we chose dining and groceries for the two 5% categories. Since there’s a $2,000 quarterly cap on those purchases, we also divided that cap between those two categories. Then, we chose gas for the 2% category.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Travel Booked in Rewards Center	$600	5%	$30	–	–
Dining	$4,000	5%	$200	–	–
Groceries	$4,000	5%	$200	–	–
Gas	$1,800	2%	$36
Other Purchases	$13,600	1%	$136	–	–
Total	$24,000	–	$602	$9,908	$33,354

Below is a look at how the value increases when you combine this card with a daily driver credit card.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Travel Booked in Rewards Center	$600	5%	$30	–	–
Dining	$4,000	5%	$200	–	–
Groceries	$4,000	5%	$200	–	–
Gas	$1,800	2%	$36
Other Purchases with a Daily Driver	$13,600	2%	$272	–	–
Total	$24,000	–	$738	$12,147	$40,889

 Citi Custom Cash® Card

What Is the Value of Your Citi Custom Cash® Card Rewards Over Time?

In the example below, we assume groceries for the top spend category earning 5% rewards up to the cap of $500 per billing cycle.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Groceries	$6,000	5%	$300	–	–
Other Purchases	$18,000	1%	$180	–	–
Total	$24,000	–	$480	$7,900	$26,595

Here’s how the value increases when you use this card with a daily driver.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Groceries	$6,000	5%	$300	–	–
Other Purchases with a Daily Driver	$18,000	2%	$360	–	–
Total	$24,000	–	$660	$10,863	$36,568

Chase Freedom Flex®

What Is the Value of Your Chase Freedom Flex® Rewards Over Time?

For the example below, we assume groceries for the 5% category and also assume a max spend in that category.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Groceries	$6,000	5%	$300	–	–
Dining	$3,000	3%	$90
Drugstore	$600	3%	$18
Other Purchases	$14,400	1%	$144	–	–
Total	$24,000	–	$552	$9,085	$30,584

Below is a look at how the value changes when you combine this card with a 2% daily driver card.

Spending Categories	Annual charges	Cash back rate	Estimated annual cash back	Estimate after investing rewards at 9% return for 10 years	Estimate after investing rewards at 9% return for 20 years
Groceries	$6,000	5%	$300	–	–
Dining	$3,000	3%	$90
Drugstore	$600	3%	$18
Other Purchases with a Daily Driver	$14,400	2%	$288	–	–
Total	$24,000	–	$696	$11,455	$38,562

See More: Best Credit Cards for Everyday Spending

What Is a Cash Back Credit Card?

A cash back credit card is a type of rewards credit card that offers cash rewards for making purchases with the card.

With a cash back credit card, a percentage of the purchase amount is credited back to the cardholder’s account as a cash reward. The cash back rewards can typically be redeemed as a statement credit, a deposit to the cardholder’s bank account, or as a check. Cash back credit cards may offer a flat rate of cash back for all purchases, or higher cash back rates for specific categories of spending, such as groceries or gas. Some cash back credit cards also offer sign-up bonuses and other perks, such as no annual fee or zero percent introductory APR periods.

3 Types of Cash Back Credit Cards

As you map out your own cash back strategy, keep in mind that there are three broad types of cash back cards.

• Flat-rate “Daily driver” credit cards: The most simple approach is a card that pays the same reward percentage on all purchases. The industry standard is 1%, but for those with good credit, you can nab 1.5% or even 2% on every purchase. This should be the first type of cash back card you get and serve as your everyday card. If you only want to carry one credit card, this one should be it.
• Tiered cash back or “Triple Play” credit cards: These cards offer different rates of cash back depending on the category of spending. For example, a card may offer 3% cash back on gas and 2% cash back on groceries, but only 1% cash back on all other purchases. The bonus rates can vary based on the categories, with some cards offering multiple bonus categories. Purchases outside of the bonus categories typically pay 1%. These cards should supplement your everyday card if you want to maximize your rewards. You could use a triple play card on the elevated rewards categories and use the daily driver for everything else. 
• Rotating category or “Category King” cash back credit cards: These cards offer bonus cash back in rotating categories throughout the year, typically every three months. For example, a card may offer 5% cash back on dining and entertainment from January to March and then switch to 5% cash back on groceries from April to June. There are spending caps eligible for the 5% cash back, typically $1,500 each quarter. All other purchases typically earn 1% cash back.

Here at allcards.com, we’re all about maximizing credit card rewards. Our 1-2-3 Cash Back System explains how to maximize your rewards depending on whether you carry one, two, or three credit cards. 

Some folks want the simplicity of using just one card for every purchase. Some are comfortable switching between two credit cards, one for the elevated category and the daily driver for everything else. If you want to add a third credit card, make it a rotating category credit card. 

How Does Cash Back Work on a Credit Card?

Cash back on a credit card works by providing a percentage of the amount spent on the card back to the cardholder as a reward. This percentage can vary depending on the credit card and the spending category. For example, a card may offer 1% cash back on all purchases, but 5% cash back on groceries and gas.

The cash back rewards are usually accumulated over a period of time and can be redeemed in different ways, such as a statement credit, a deposit into the cardholder’s bank account, or a check. Some cash back credit cards may have a minimum threshold for redemption, such as $25 or $50.

To earn cash back rewards, the cardholder needs to make purchases with the cash back credit card. The cash back is then automatically credited to their account based on the percentage earned for each purchase. To maximize cash back earnings, cardholders can use their credit card for everyday purchases, such as groceries, gas, and dining out.

It’s important to note that some cash back credit cards may have restrictions or limitations on earning and redeeming rewards, such as expiration dates or spending caps. It’s important to read the terms and conditions of the credit card before applying to fully understand how the cash back rewards program works.

Pros and Cons of Using Cash Back Credit Cards

Cash back credit cards offer several benefits, but there are also some potential drawbacks to consider. Here are some of the pros and cons of using cash back credit cards:

Pros:

• Rewards: Cash back credit cards provide an opportunity to earn rewards for purchases you are already making, which can be a great way to save money or earn cash.
• Flexibility: Cash back rewards can typically be redeemed in multiple ways, such as statement credits or cash deposits, giving you flexibility in how you use your rewards.
• Sign-up bonuses: Some cash back credit cards offer sign-up bonuses, which can provide a large amount of cash back or rewards for meeting certain spending requirements.
• Promotional offers: Cash back credit cards may offer promotional offers, such as 0% introductory APR periods, which can be beneficial for people who want to make large purchases and pay them off over time.

Cons:

• High interest rates: Cash back credit cards often come with higher interest rates compared to other credit cards, which can offset the value of rewards earned if you carry a balance.
• Spending temptation: Cash back credit cards may tempt people to overspend in order to earn more rewards, which can lead to debt and financial problems.

It’s important to carefully consider these pros and cons when deciding whether or not to use a cash back credit card and to choose a card that aligns with your spending habits and financial goals.

How to Find the Best Cash Back Credit Card for You

When looking for the best cash back credit card for you, there are several factors to consider. Here are some tips to help you find the right card:

• Evaluate your spending habits: Look at your current spending habits and identify the categories where you spend the most money. This can help you choose a card that offers the highest cash back rewards for your biggest expenses.
• Consider the cash back rate: Look for a card that offers a high cash back rate in the categories where you spend the most money. Consider both flat-rate and tiered cash back credit cards to find the best fit.
• Check for sign-up bonuses: Look for cards that offer sign-up bonuses that can help boost your rewards earnings. Make sure you understand the requirements to earn the bonus and whether it’s worth the effort.
• Review redemption options: Make sure the card you choose offers redemption options that align with your preferences. For example, if you prefer to receive cash back, choose a card that offers statement credits or direct deposits.
• Consider annual fees and other costs: Look for cards with no annual fee or with an annual fee that is offset by the cash back rewards you’ll earn. Also, consider other costs such as foreign transaction fees, balance transfer fees, and late payment fees.
• Check for additional perks: Some cash back credit cards offer additional perks, such as travel insurance or purchase protection. Consider these perks when choosing a card.
• Compare multiple cards: Finally, compare multiple cash back credit cards to find the one that offers the best rewards program, fits your spending habits, and meets your financial needs.

By considering these factors, you can find the best cash back credit card for your specific situation and maximize your rewards earnings.

How to Make the Most of Your Cash Back Credit Card

If you have a cash back credit card, there are several strategies you can use to make the most of your rewards:

• Choose the right card: Make sure you have a cash back credit card that matches your spending habits. Look for a card that offers bonus cash back in categories where you spend the most, such as groceries, gas, or dining out.
• Pay your balance in full each month: To avoid paying interest charges, make sure you pay your credit card bill in full each month. This will also help you avoid the temptation to overspend and negate the benefits of your cash back rewards.
• Maximize bonus categories: If your cash back card offers bonus cash back in certain categories, be sure to take advantage of those offers by using your card for those purchases.
• Use your card for everyday expenses: Use your cash back credit card for everyday purchases, such as groceries, gas, and utility bills. This will help you accumulate cash back rewards quickly.
• Redeem your rewards strategically: Consider redeeming your rewards for statement credits or bank deposits, rather than merchandise or gift cards, to maximize their value. Additionally, some cash back credit cards may offer bonuses for redeeming rewards in certain ways, so be sure to check for those opportunities.

Also, as I noted above, we save and invest all of our credit card rewards. Over time, we’ve built a 5-figure portfolio just from credit cards. I’m confident it will soon be 6-figures. Here’s the strategy we follow:

Do Cash Back Cards Actually Give You Cash?

Yes and no. It’s not cash, as in $100 bills – but it is money, versus say, travel rewards or gift cards. With a cash back credit card, you earn a percentage of your purchases back in the form of cash rewards. This can typically be redeemed for a statement credit, a deposit into your bank account, or a physical check mailed to you.

The exact redemption options and procedures will depend on the specific cash back credit card you have, so it’s important to read the card’s terms and conditions to understand how the rewards program works. Additionally, some cash back credit cards may have minimum redemption thresholds or restrictions on when you can redeem your rewards.

Is Cash Back from a Credit Card Taxable?

In most cases, cash back rewards from a credit card are not taxable. The IRS considers credit card rewards to be rebates or discounts on purchases, rather than taxable income. This means that you typically don’t need to report cash back rewards as income on your tax return.

However, there are some exceptions. For example, if you receive cash back rewards in exchange for opening a new credit card account, the issuer may report the value of the reward to the IRS as taxable income. Additionally, if you earn rewards through business purchases, the IRS may consider those rewards to be taxable income for your business.

It’s always a good idea to consult a tax professional if you’re unsure about how to report credit card rewards on your tax return.

Why Do Credit Cards Give Cash Back?

Credit card companies offer cash back rewards as a way to incentivize customers to use their credit cards more frequently and to attract new customers. By offering cash back, credit card companies hope to encourage customers to spend more money on their credit cards, which in turn generates more revenue for the credit card issuer through transaction fees and interest charges.

Additionally, cash back rewards can be a way for credit card companies to differentiate themselves from competitors and build customer loyalty. Customers who feel like they’re getting something in return for using their credit card may be more likely to continue using that card and recommend it to others.

Overall, offering cash back rewards can be a win-win for credit card companies and customers. Customers can earn rewards for their purchases, while credit card companies can increase their revenue and customer loyalty.

List of Cash Back Credit Cards

We track dozens of cash back cards. Below you’ll find a list of those cards, ordered by signup bonus, if any. You can click the card name to get more details about each offer. Remember that signup bonuses have spending requirements you must meet to qualify. Sometimes, the signup bonus is in the form of increased cash back rates the first year, subject to spending caps.