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.
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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.
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’ picks

Great for students building credit††
Deserve® EDU Mastercard
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Deserve® EDU Mastercard

Great for students building credit††

Deserve® EDU Mastercard

  • Rewards rate

    1%
    Cash back
  • Annual fee

    $0
Rewards rate

1% Cash back

Annual fee

$0

Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card

Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Rewards rate

    1.5% - 5%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    $200
Rewards rate

1.5% - 5% Cash back

Annual fee

$0

Welcome bonus

$200

Credit One Bank® Platinum Visa® for Rebuilding Credit
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Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

  • Rewards rate

    1%
    Cash back
  • Annual fee

    $75 for the first year, $99 thereafter
Rewards rate

1% Cash back

Annual fee

$75 for the first year, $99 thereafter

Great for earning rewards while building credit††
Capital One QuicksilverOne Cash Rewards Credit Card
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Capital One QuicksilverOne Cash Rewards Credit Card

Great for earning rewards while building credit††

Capital One QuicksilverOne Cash Rewards Credit Card

  • Rewards rate

    1.5% - 5%
    Cash back
  • Annual fee

    $39
Rewards rate

1.5% - 5% Cash back

Annual fee

$39

Great for flexible cash back††
Bank of America® Customized Cash Rewards credit card
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Bank of America® Customized Cash Rewards credit card

Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Rewards rate

    1% - 3%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    $200
Rewards rate

1% - 3% Cash back

Annual fee

$0

Welcome bonus

$200

Great for high flat-rate cash back††
Citi® Double Cash Card
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Citi® Double Cash Card

Great for high flat-rate cash back††

Citi® Double Cash Card

  • Rewards rate

    2%
    Cash back
  • Annual fee

    $0
Rewards rate

2% Cash back

Annual fee

$0

Great for beginners††
Petal® 2 Visa® Credit Card
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Petal® 2 Visa® Credit Card

Great for beginners††

Petal® 2 Visa® Credit Card

  • Rewards rate

    1% - 1.5%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 1.5% Cash back

Annual fee

$0

Great for Costco and cash back lovers††
Costco Anywhere Visa® Card by Citi
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Costco Anywhere Visa® Card by Citi

Great for Costco and cash back lovers††

Costco Anywhere Visa® Card by Citi

  • Rewards rate

    1% - 4%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 4% Cash back

Annual fee

$0

Upgrade Card
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Upgrade Card

Upgrade Card

  • Rewards rate

    N/A
  • Annual fee

    $0
  • Welcome bonus

    400
    Points
Rewards rate

N/A

Annual fee

$0

Welcome bonus

400 Points

Credit One Bank® Platinum Visa®
Apply Now

Credit One Bank® Platinum Visa®

Credit One Bank® Platinum Visa®

  • Rewards rate

    1%
    Cash back
  • Annual fee

    $39
Rewards rate

1% Cash back

Annual fee

$39

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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.