Are you tired of spending without getting anything back? It’s time to explore the world of the best credit cards for money back. These cards allow you to earn cash rewards on your everyday purchases. Thus, you can put money back into your pocket with every swipe.
Sounds awesome, right? Whether you’re buying groceries, filling up your gas tank, or shopping online, these credit cards can help you save while you spend. Let’s dive into our top picks for the best credit cards for money back, tailored to meet your financial needs and lifestyle.
12 Best Cash-Back Credit Cards
Below is our list of the top best credit cards for money back;
Citi Double Cash Card
With the Citi Double Cash Card, you can earn cash back twice: 1% when you make purchases and an additional 1% when you pay them off. This simple earning structure makes it easy to rack up rewards on all your spending.
Key Features: This card comes with no annual fee, unlimited cash back, and a competitive APR for qualified applicants.
Chase Freedom Unlimited
If you are looking for cash-back credit cards, then the Chase Freedom Unlimited card should be on your top list. It offers unlimited 1.5% cash back on all purchases, with no minimum to redeem for cash back. Plus, new card members can enjoy a generous cash-back bonus after spending a certain amount within the first few months of account opening.
Key Features: No annual fee, flexible redemption options, and a welcome bonus for new card members.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card provides unlimited 1.5% cash back on every purchase, every day. This card is an excellent choice for those who want simplicity and value while enjoying the benefits that come with it.
Key Features: No annual fee, no foreign transaction fees, and a one-time cash bonus for new cardholders.
American Express Blue Cash Everyday Card
The American Express Blue Cash Everyday Card offers cash back on everyday purchases, with higher reward rates on groceries, gas, and select streaming services. Cardholders can also take advantage of a welcome bonus and special financing offers.
Key Features: With the America Express Blue Cash Everyday Card, there is no annual fee, bonus cash back categories, and access to exclusive American Express benefits.
Discover it Cash Back.
Our list would be incomplete without mentioning the Discover it Cash Back Card. It offers rotating quarterly bonus categories where cardholders can earn 5% cashback up to a certain spending limit, along with 1% cash back on all other purchases. Plus, Discover matches all the cash back earned in the first year.
Key Features: Card members get to enjoy zero annual fees, quarterly bonus categories, and a unique Cashback Match offer for new card members.
Wells Fargo Propel American Express Card
The Wells Fargo Propel American Express Card is a versatile option that offers generous rewards in various categories, including dining, travel, gas stations, and streaming services. Cardholders can enjoy a substantial welcome bonus and other valuable perks.
Key Features: Not only do you get cash back for purchases, the card doesn’t have an annual fee, triple points on select categories, and cell phone protection coverage.
Bank of America Cash Rewards Credit Card
Another great credit card for money back is the Bank of America Cash Rewards Credit Card. This card allows cardholders to earn cash back on purchases, with bonus rewards in categories of their choice, such as gas, online shopping, dining, travel, or drug stores. Cardholders also have the opportunity to earn a welcome bonus.
Key Features: No annual fee is needed for this credit card, customizable bonus categories, and a welcome bonus offer.
Citi Custom Cash Card
The Citi Custom Cash Card offers a unique earning structure, with cash back automatically adjusted to the cardholder’s top spending category each billing cycle. This card also features a welcome bonus, and introductory APR offers. Thus making it one of the best options out there for you not to miss out on.
Key Features: There are no annual fees, you get flexible cash-back categories, and a welcome bonus for new card members.
Barclaycard CashForward World Mastercard
This is yet another one of the best money-back cards to consider using. The Barclaycard CashForward World Mastercard offers unlimited 1.5% cash back on all purchases, with a bonus reward for every redemption. Cardholders can also enjoy a generous welcome bonus and complimentary access to their FICO Credit Score.
Key Features: No annual fee, flat-rate cash-back rewards, and a welcome bonus for qualifying new accounts.
HSBC Cash Rewards Mastercard Credit Card
The HSBC Cash Rewards Mastercard Credit Card provides cash-back rewards on all purchases, with bonus rewards in select categories. Cardholders can also benefit from a welcome bonus and special financing offers. It is one of the highly recommended credit cards for cashback.
Key Features: No annual fee, bonus cash back categories, and a welcome bonus for eligible new card members.
US Bank Cash+ Visa Signature Card
Another one of the best credit cards for money back is the US Bank Cash+ Visa Signature Card. It offers customizable cash-back categories, allowing cardholders to earn rewards in areas that align with their spending habits. Plus, new cardholders can enjoy a welcome bonus and other valuable benefits.
Key Features: Zero annual fee, customizable cash back categories, and a welcome bonus offer.
Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card is ideal for frequent Amazon shoppers, offering generous cash-back rewards on Amazon.com purchases, as well as rewards on dining, gas, and drugstores. Cardholders can also benefit from a welcome offer and other Amazon perks.
Key Features: Zero annual fee (with Amazon Prime membership), bonus cash back at Amazon.com, and a welcome offer for eligible Prime members.
Conclusion
These top money-back credit cards offer a variety of rewards, benefits, and features to suit different spending habits and preferences. Whether you’re looking for simple flat-rate cash back, bonus categories, or unique perks, there’s a money-back credit card out there to help you maximize your rewards and save money on your everyday purchases.
However, when making a choice, remember to choose a card that aligns with your lifestyle and financial goals. We hope you find this article helpful; kindly use the comment box to let us know your thoughts and also share this post with friends.
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