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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 cash back rewards at a low-interest rate

Chase Freedom Unlimited®

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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

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

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.