Cash Back Credit Cards

Forcredit andmonthly spendings

A cash back credit card earns you 1-5% cashback on your every purchase. We help you estimate how much profit you may get with each card based on its signup bonus and your monthly spendings in different purchase categories. Compare profits across the best offers available to you, pick your card and start earning.

Citi® Double Cash Card photo
Citi® Double Cash Card
Apply NowOn Citi bank's secure website
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
$0
$0
$1,440
We estimate as
  • Card Details
  • Earn Cash Back TWICE on every purchase with 1% cash back when you buy and 1% cash back as you pay, with no annual fee.
  • No caps and no Category restrictions.
  • No Annual Fee.
  • 0% Intro APR on balance transfers for 18 months.
  • You can redeem cash back for checks, statement credits or gift cards.
  • Get a pass on your first late fee.
  • Enjoy special access to purchase tickets to thousands of events annually at citiprivatepass.com.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
  • Travel & Purchase protection.
  • Pros
  • High rate of rewards
  • No Annual Fee
  • 0% Intro APR on balance transfers for 18 months
  • Travel & Purchase protection
Blue Cash® Card from American Express photo
Blue Cash® Card from American Express
Apply NowOn American Express bank's secure website
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
with limits
$0
$0
$1,296
We estimate as
  • Card Details
  • Up to 5% Cash Back on Everyday Purchases, and Up to 1% on other purchases. For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases, and 0.5% on other purchases.
  • Plus, after your first $6,500 in purchases, you will earn 5% on Everyday Purchases up to $50,000 and 1% on other purchases. Terms and limitations apply.
  • No Annual Fee.
  • Redeem the Reward Dollars you earn for cash back in the form of a statement credit, or choose from gift cards or merchandise. Redemptions start at just 25 Reward Dollars.
  • Pros
  • No Annual Fee
  • High cash back rate
  • Cons
  • Has interest charges
Chase Freedom Unlimited℠ photo
Chase Freedom Unlimited℠
Apply NowOn Chase bank's secure website
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
$0
$150
$1,230
We estimate as
  • Card Details
  • $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
  • Earn unlimited 1.5% cash back on every purchase – it's automatic.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
  • Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
  • Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
  • Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.
  • Pros
  • 1.5% unlimited cash back on all purchases
  • No annual fee
  • $150 bonus with low qualification
  • 0% intro APR for 15 months on purchases and balance transfers.
Blue Cash Preferred® card from American Express photo
Blue Cash Preferred® card from American Express
Apply NowOn American Express bank's secure website
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 6% restricted
$95
$150
$1,197
We estimate as
  • Card Details
  • Apply by 1/11/17 to earn 10% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200.
  • Earn $150 BACK after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.
  • Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 3% Cash Back at US gas stations and select US department stores.
  • Earn 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Pros
  • Leading cash back on groceries
  • Great cash back on gas
  • 0% APR on purchases and balance transfer for 12 month
  • Cons
  • Annual fee of $95
Chase Sapphire Preferred® credit card photo
Chase Sapphire Preferred® credit card
Apply NowOn Chase bank's secure website
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
$95
waived first year
$500
50,000 points
$1,174
We estimate as
  • Card Details
  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when redeemed through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants - from airfare and hotels to fine dining and cafés.
  • Plus, 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • $0 intro annual fee for the first year, after that $95.
  • 1:1 Point Transfer to leading frequent travel programs.
  • Travel & purchase coverage.
  • 24/7 Access to a Customer Service Specialist.
  • Pros
  • High rewards rate on travel
  • No Foreign transaction fees
  • Sign-up bonus
  • Get more points on travel and dining at restaurants
  • Security & Benefits
  • Cons
  • $0 intro annual fee for the first year, after that $95 per year

Our Take

The Chase Sapphire Preferred® credit card is a must have for anyone willing to maximize travel rewards. This card has one of the most attractive sign-up bonuses and juicy rewards for travel purchases and dining out.