search facebook-square linkedin-square twitter envelope

Some cards are from Credible partners.

In order to choose the best cash back credit card, you need to first figure out what you’re looking to get out of it. But narrowing down the best cards, out of the hundreds out there, is no small feat. Don’t worry — we’ve done the hard work for you.

We compared a variety of different cards, evaluating them based on their annual fees, APRs, cash back value, and other details, to bring you some of the best cash back credit cards of 2018.

Best cash back cards

Best for flat-rate cash back rewards

This offer is not currently available

This may be because the issuer is no longer offering this card or promotion. Check out similar cards below.

 

Best cash back cards

Best for earning cash back with general spending

Citi® Double Cash Card – 18 month BT offer

Apply Now

on Citibank's website

Summary

The Citi Double Cash card offers a way for cardholders to earn cash back on all their purchases, with no limits or categories.

Offering 0% Intro APR on balance transfers for 18 months (must be made within 4 months of account opening and APR will increase to 14.74% – 24.74%* (variable) APR based on creditworthiness* thereafter), the Citi Double Cash card will earn you 1% cash back on every purchase you make, plus an additional 1% cash back when you pay your bill, all with no annual fee.

Get it

If you’re looking for a card that allows you to earn 2% cash back on all your purchases and offers flexible redemption options, the Citi Double Cash card might be worth looking into.

Key highlights

  • 1% cash back on all purchases and an additional 1% when you pay off those purchases, as long as you pay the minimum due on each statement
  • No limits on how much cash back you can earn
  • No rotating categories to keep track of or enroll in
  • No annual fee

Skip it

Unlimited cash back is great, but any rewards you earn with the Citi Double Cash will expire if you haven’t earned any cash back for purchases or payments for 12 months, so you have to make sure you use your card regularly to reap its benefits. Also, keep in mind that balance transfers do not qualify for cash back and if you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

The Citi Double Cash card is a great card for cardholders looking to earn unlimited cash back without having to think too much about it. But, is this the right card for you? Read our full review here.

 

Best cash back cards

Best for cash back rewards at a low-interest rate

Chase Freedom Unlimited®

Apply Now

on Chase's website

Summary

With unlimited 1.5% cash back on every purchase and a $150 sign up bonus after you spend $500 on purchases in your first 3 months from account opening, the Chase Freedom Unlimited® is a hard card to beat.

Get it

Cardholders who want an easy way to earn cash back at a flat rate, and like the sound of 0% APR for 15 months, should consider the Chase Freedom Unlimited® credit card.

Key highlights

  • 1.5% unlimited cash back on all purchases
  • 0% introductory APR on purchases and balance transfers for 15 months after opening your account
  • Earn a $150 signing bonus after you spend $500 on purchases in your first 3 months from account opening, and an additional $25 bonus after you add your first authorized user and make your first purchase within the same 3-month period

Skip it

Those willing to put in a little more effort can stand to earn cash back at a higher rate on bonus and rotating quarterly categories. But for hassle free rewards, the Chase Freedom Unlimited® offers a relatively high flat rate of 1.5%.

Is the Chase Freedom Unlimited® the right card for you? Read our full review here.

 

Best cash back cards

Best for a cumulative redemption bonus

BankAmericard Cash Rewards™ Credit Card

Apply Now

on Bank of America's website

Summary

If you’re already a Bank of America customer looking for a cash back card, look no further than the BankAmericard Cash Rewards Credit Card. This cash back card also comes with no annual fee, 0% introductory APR for 12 months on balance transfer and purchase, and a $150 sign-up bonus, plus cumulative bonuses for Bank of America customers, it is one of the best cash back cards of 2018.

Get it

The BankAmericard Cash Rewards Credit Card offers attractive cash back rate from 1-3%, but beyond the basic rewards, this card is very attractive for Bank of America customers, as these customers see even greater total rewards.

Key highlights

  • 2% cash back on groceries and 3% on gas; for example, that’s $2 for every $100 in groceries and $3 for every $100 in gas, up to a cumulative $2,500 in these categories per quarter (the rewards rate drops to 1% after $2,500)
  • All other purchases earn 1% cash back, without limitation
  • Extra redemption bonuses 10% for Bank of America customers who receive their bonus in a Bank of America account
  • $150 sign-up bonus when you spend $500 within 90 days of account opening

Skip it

If you bank elsewhere, spend significantly more than the $2,500 quarterly cap on groceries and gas, or travel is where you make your big spends, then other cards may better suit your credit card needs.

Want to learn more about the BankAmericard Cash Rewards Credit Card? Read our full review here.

 

Best cash back cards

Best for cash back on gas and grocery spending

This offer is not currently available

This may be because the issuer is no longer offering this card or promotion. Check out similar cards below.

We encourage you to provide honest and thorough feedback about your experience (not the experiences you’ve heard from other people), the good as well as the bad. But, we also want you to follow these content guidelines. The comments or responses that Credible posts under its official account are not provided, reviewed or endorsed by any of the financial institutions unless specifically stated otherwise in the response. Please keep in mind that the financial institution has no obligation to monitor any comments, questions or reviews you post and is therefore not responsible for ensuring your posts and/or questions are answered.