search facebook-square linkedin-square twitter envelope android-arrow-forward

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

Best cash back cards

Best for cash back rewards at a low-interest rate

Chase Freedom Unlimited®

Apply Now

on Chase's website

Summary

Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. This makes the Chase Freedom Unlimited® 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

  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% 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.

Get it

The BankAmericard Cash Rewards Credit Card offers attractive cash back rate from 1% to 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

  • No annual fee.
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No changing categories and no expiration on rewards.
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%.
  • The information related to BankAmericard Cash Rewards Credit Card credit card has been compiled by Credible and has not been reviewed or provided by the issuer of this card.

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.