Our list of personal and business best cash back credit cards includes the best rates on a combination of various categories and all purchases. Many cash back cards offer rotating categories where others will just have a flat rate on all purchases. Several cards will also offer an additional introductory promotion like double cash back for a year that will make it even more valuable. Carefully review and compare each card for caps, limitations, and other fine print. It’s important to know where you spend the most, like gas, groceries, or at restaurants so that you will choose a card that will earn you the most cash back in the long run.
|Chase Premier Plus CheckingSM Get $300 when you open a new Chase Premier Plus Checking(SM) account and set up direct deposit. Access to over 16,000 Chase ATMs and 5,200 branches. Customer earns interest. No Chase fee on first four non-Chase ATM transactions. Apply Now---Chase Premier Plus Checking Review
Chase Total Checking® + Chase Savings(SM) Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings(SM) account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Learn More---Chase Total Checking + Savings Review
Best Cash Back Credit Cards
|Cash Back Credit Cards||Categories||Terms/ Bonuses||Annual Fee||Review|
|PenFed Power Cash Rewards Credit Card||Up to 2% back||$100 with $1,500 spend in 90 days||$0||Review|
|Barclaycard Arrival Plus™ World Elite MasterCard®||2% back in miles||40K Miles after spending $3,000 in 3 months||$0 1st year, then $89||Review|
|Fidelity Rewards Visa Signature Card||2% cash back ALL purchases||Must open Fidelity account to get cash back deposit|
|Citi® Double Cash Card||2% cash back ALL purchases||1% on purchases and 1% after payments||$0||Review|
|JCB Marukai||3% cash back ALL purchases||3% cashback after $3,000 spending/year. Only for CA, HI, NV, OR, & WA residents.||$0 1st year, then $15||Review|
|Discover It Card||2% cash back ALL purchases||2% first year only and 5% Quarterly rotating categories|
($50 referral bonus after 1st purchase)
|Capital One Quicksilver||1.5% cash back ALL purchases.|
20% cash back on Uber rides.
|$100 bonus after $500 in spending||$0||Review|
|NHL Discover It Card||Double cash back 1st year, up to 5% cash back, 10% off NHL gear||Quarterly rotating categories||$0||Review|
|Blue Cash Preferred® Card from American Express||6% cash back at U.S supermarkets. |
3% cash back at U.S. gas stations & select U.S. department stores.
|6% cash back on the first $6,000. |
|Wells Fargo Cash Back Visa® card||5% cash back on gas, grocery, and drugstore||On net purchases for the first 6 months.||$0||Review|
|Chase Freedom® Card||5% cash back on Rotational categories ||5% cash back up to $1,500 |
|U.S. Bank Cash+™ Visa Signature® Card||5% cash back on TWO categories||5% cash back up to $2,000||$0||Review|
|USAA Cashback Rewards Plus American Express® Card||5% cash back on Gas & Military purchases||5% cash back up to $3,000||$0||Review|
|PenFed Platinum Cash Rewards Visa® Plus Card||5% cash back on Gas||No limit on cash back|
|Business Cash Back Cards|
|Chase Ink Business PreferredSM Card||Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year||80,000 Bonus Points||$95||Review|
|Capital One® Spark® Cash for Business||2% cash back ALL purchases||$500 Bonus||$0 for 1st year, then $59||Review|
|SimplyCash® Business Credit Card from American Express||5% cash back on U.S Office Supply Stores.|
3% cash back on Select Categories.
|5% and 3% cash back on the first $25,000 purchases|
|Chase Ink Cash® Business Card||5% cash back at office supply stores, and on cellular phone, landline, internet, and cable TV services||$200 Bonus||$0||Review|
|Bank of America Cash Rewards Business Card||3% cash back at gas stations and office supply stores||Cash back can be applied to BofA checking or savings||$0||Review|