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The Best Cash Back Credit Cards of 2018

Cash Back Credit Cards are ideal for those who want solid rewards without a lot of hassle. Rather than trying to churn miles or points cards, there are several cash rewards cards that offer significant benefits.

There are three types of cash back cards:

1 One Reward Rate: 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.

2 5% Rotating Categories: These cards offer 5% cash back on specific categories of purchases that change every three months. There are spending caps eligible for the 5% cash back, typically $1,500 each quarter. All other purchases typically earn 1% cash back.

3 Bonus Categories: Finally, some cards offer bonus rewards for certain categories of purchases, such as restaurants, groceries, or gas. 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%.

As we look at the top cash back cards, we’ve organized the cards below based on these categories:

Best Overall Cash Back Credit Cards

Capital One QuicksilverOneEditor’s Pick: One of the best cash rewards card in my opinion is the Capital One® Quicksilver® Cash Rewards Credit Card . It offers 1.5% on all purchases. There are no rotating categories to worry about, and the 1.5% cash back is excellent. You also can earn a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Click here for more details on this and other cash back credit cards.

Here is a comparison of the top picks in this category:

Blue Cash Preferred® Card from American Express

  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate based on your creditworthiness and other factors.
  • Annual Fee: $95
  • Terms Apply

Capital One® Savor® Cash Rewards Credit Card

  • Early Spend Bonus: Earn $500 cash bonus after you spend $3,000 on purchases within the first 3 months
  • 4% Cash Back: Earn 4% cash back on dining and entertainment
  • 2% Cash Back: Earn 2% on groceries
  • 1% Cash Back: Earn 1% on all other purchases
  • Intro APR: 0% intro APR on purchases and balance transfers for 9 months
  • $0 intro annual fee for the first year, $95 after that
  • No foreign transaction fees

Chase Freedom Unlimited

Chase Freedom Unlimited
  • Signup Bonus:  Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Cash Back: Unlimited 1.5% cash back on every purchase
  • Intro APR: 0% for 15 months from account opening on purchases and balance transfers
  • Free credit score, updated weekly with Credit Journey
  • No annual fee

Click here to learn more about the Chase Freedom Unlimited and similar credit cards.

Wells Fargo Cash Wise Visa® Card

  • Signup Bonus: Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Cash Back: Earn 1.5% cash rewards on every purchase
  • Cash Back Bonus: Earn 1.8% cash rewards on qualified mobile wallet purchases during the first 12 months from account opening
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • Intro APR: 0% Intro APR for 12 months on purchases and balance transfers
  • $0 Annual Fee
  • Click here to learn more about the product features, terms, and conditions

Chase Freedom

Chase Freedom
  • Signup Bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
  • 1% Cash Back: Earn 1% cash back on all other purchases
  • Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers
  • Free credit score, updated weekly with Credit Journey
  • No annual fee

Click here to learn more about the Chase Freedom and similar credit cards.

Blue Cash Everyday Card from American Express

  • Welcome Bonus: $150 statement credit after you spend $1,000 in purchases within the first 3 months.
  • Cash Back Rewards–
    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%);
    • 2% cash back at U.S. gas stations and at select U.S. department stores; and
    • 1% back on other purchases.
  • Note: Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Intro APR: 0% for 15 months on purchases and balance transfers.
  • No annual fee.
  • Terms Apply

Capital One SavorOne Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn 3% cash back on dining and entertainment
  • Earn 2% at grocery stores
  • Earn 1% on all other purchases
  • 0% intro APR on purchases for 15 months
  • 0% intro APR on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
  • No foreign transaction fee
  • No annual fee

Compare all of the cards on this page and other cash back cards–and apply online–here.

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