Cash back credit cards
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CK Editors’ Tips††: Cash back cards offer rewards on your purchases, either at a flat rate on everything or with elevated rates in certain bonus categories. These cards are usually best if you want clear value for your most common purchases.Read more
What to consider when choosing a cash back credit card
Cash back credit cards don’t always offer the best rewards value, but they do tend to be more straightforward and easier to manage than travel rewards credit cards. When shopping for cash back cards, consider where you do most of your spending and what it will take to earn your rewards. Focusing on your spending habits can help you decide on key choices like paying an annual fee, going for a flat rate on all purchases or bonus categories, and opting for rotating categories or consistent bonus rewards.
Cash back credit cards don’t always offer the best rewards value, but they do tend to be more straightforward and easier to manage than travel rewards credit cards. When shopping for cash back cards, consider where you do most of your spending and what it will take to earn your rewards. Focusing on your spending habits can help you decide on key choices like paying an annual fee, going for a flat rate on all purchases or bonus categories, and opting for rotating categories or consistent bonus rewards.
How we picked the best cash back credit cards
We chose the best cash back credit cards to answer several key questions people may ask when shopping for rewards cards. Some people might choose between flat-rate rewards and maximizing cash back, while others might want to find the best card for gas or groceries purchases. No matter the approach, we wanted to address these common use cases to help you find the right cards for your needs. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksWe chose the best cash back credit cards to answer several key questions people may ask when shopping for rewards cards. Some people might choose between flat-rate rewards and maximizing cash back, while others might want to find the best card for gas or groceries purchases. No matter the approach, we wanted to address these common use cases to help you find the right cards for your needs. Read more about our methodology for picking the best credit cards.
Great for students building credit††
Great for students building credit††
Deserve® EDU Mastercard
Rewards rate
1%Cash backAnnual fee
$0
Rewards rate
1% Cash back
Annual fee
$0
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
Credit One Bank® Platinum Visa® for Rebuilding Credit
Rewards rate
1%Cash backAnnual fee
$75 for the first year, $99 thereafter
Rewards rate
1% Cash back
Annual fee
$75 for the first year, $99 thereafter
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Rewards rate
1.5%Cash backWelcome bonus
$200Annual fee
$0
Rewards rate
1.5% Cash back
Welcome bonus
Earn $200 after spending $500 within the first 3 months.
Annual fee
$0
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
Great for earning rewards while building credit††
Great for earning rewards while building credit††
Capital One QuicksilverOne Cash Rewards Credit Card
Rewards rate
1.5%Cash backAnnual fee
$39
Rewards rate
1.5% Cash back
Annual fee
$39
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Great for flexible cash back††
Great for flexible cash back††
Bank of America® Customized Cash Rewards credit card
Rewards rate
1% - 3%Cash backWelcome bonus
$200Annual fee
$0
Rewards rate
1% - 3% Cash back
Welcome bonus
Earn a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
$200 WELCOME BONUS
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Citi® Double Cash Card
Rewards rate
2%Cash backWelcome bonus
$200Annual fee
$0
Rewards rate
2% Cash back
Welcome bonus
For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Annual fee
$0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Great for beginners††
Great for beginners††
Petal® 2 Visa® Credit Card
Rewards rate
1% - 1.5%Cash backAnnual fee
$0
Rewards rate
1% - 1.5% Cash back
Annual fee
$0
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 15.24% - 29.24%
Great for Costco and cash back lovers††
Great for Costco and cash back lovers††
Costco Anywhere Visa® Card by Citi
Rewards rate
1% - 4%Cash backAnnual fee
$0
Rewards rate
1% - 4% Cash back
Annual fee
$0
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
Credit One Bank® Platinum Visa®
Rewards rate
1%Cash backAnnual fee
$39
Rewards rate
1% Cash back
Annual fee
$39
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Capital One Quicksilver Secured Cash Rewards Credit Card
Rewards rate
1.5% - 5%Cash backAnnual fee
None
Rewards rate
1.5% - 5% Cash back
Annual fee
None
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.