Best Cash Back Credit Cards for September 2024

The Wells Fargo Active Cash® Card is a straightforward and valuable choice for anyone seeking hassle-free rewards. With no annual fee and a generous welcome bonus, it offers consistent cash rewards on all purchases. The initial zero-interest period is an excellent advantage for purchases and balance transfers. While it might lack specialized bonus categories, the card makes up for this with perks like exclusive hotel benefits and cell phone protection. It's a solid, all-around performer in the credit card landscape.

• Earn a $200 cash rewards bonus after spending $500 on purchases within the first three months.
• Unlimited 2% cash rewards on all purchases.
• Enjoy a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening. After that, a variable APR of 20.24%, 25.24%, or 29.99% applies.
• Balance transfers made within 120 days qualify for the intro rate and a fee of 3%. After that, a balance transfer fee of up to 5% (minimum $5) applies.
• No annual fee
• No categories to track and cash rewards do not expire as long as your account remains open.
• Enjoy a premium collection of benefits at prestigious hotel properties with Visa Signature Concierge.
• Earn up to $600 in cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

Ideal for those who prefer simplicity, the Capital One Quicksilver Cash Rewards Credit Card offers a flat 1.5% cash back rate on all purchases and a straightforward welcome bonus. However, it requires excellent credit.

• Earn a one-time $200 cash bonus after you spend $500 on purchases within three months of opening an account.
• Earn unlimited 1.5% cash back on every purchase, every day, with a $0 annual fee and no foreign transaction fees.
• Enjoy up to six months of complimentary Uber One membership statement credits through November 14, 2024.
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
• No rotating categories or sign-ups are needed to earn cash rewards; plus, cash back won't expire for the life of the account, and there's no limit to how much you can earn.
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% to 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months, then 4% afterward.

Whether you prefer to eat out or enjoy home-cooked meals, the Capital One SavorOne Cash Rewards Card grants you savings. It provides unlimited 3% cash back on restaurants, grocery stores, streaming and entertainment for no annual fee. However, superstores like Walmart are excluded from the bonus rewards.

• Earn a one-time $200 cash bonus after spending $1,000 on purchases within the first three months of opening your account.
• Unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®), and 1% on all other purchases.
• Enjoy 10% cash back on purchases made through Uber & Uber Eats, plus receive complimentary Uber One membership statement credits through November 14, 2024.
• 8% cash back on Capital One Entertainment purchases.
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get the best prices on thousands of trip options. Terms apply.
• Enjoy earning cash rewards without rotating categories or sign-ups. Your cash back won't expire for the life of the account, and there's no limit to how much you can earn.
• Benefit from a 0% intro APR on purchases and balance transfers for 15 months; after that, a variable APR of 19.99%–29.99% applies. A 3% fee applies to amounts transferred within the first 15 months.
• No foreign transaction fees.
• No annual fee.

The Blue Cash Preferred® is a family-friendly card that rewards generously on spending at U.S. supermarkets, U.S. streaming, U.S. gas stations and transit expenses. It is a great option if you're looking for higher cash back in these categories. However, you'll need to spend more in these categories to make it worth the annual fee of $95 after the first year. See rates and fees.

• Earn a $250 statement credit after spending $3,000 on eligible purchases within the first six months.
• Enjoy a $0 intro annual fee for the first year, then $95 after that.
• Benefit from 0% intro APR on purchases and balance transfers for 12 months from account opening. After that, a variable APR of 19.24% to 29.99% applies.
• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 6% cash back on select U.S. streaming subscriptions.
• 3% cash back at U.S. gas stations.
• Earn 3% cash back on transit, including taxis/rideshares, parking, tolls, trains, buses and more.
• 1% cash back on all other purchases.
• Cash back is provided as Reward Dollars, redeemable as a statement credit or at Amazon.com checkout.
• Earn a $84 Disney Bundle Credit: Spend $9.99 or more each month on an auto-renewing Disney Bundle subscription with your enrolled Blue Cash Preferred Card to receive a $7 monthly statement credit. Valid only at DisneyPlus.com, Hulu.com or Plus.espn.com in the U.S.
• Terms Apply.
• See rates and fees.

The Chase Freedom Flex® card offers remarkable value, especially for consumers who can maximize the diverse cash back categories. Chase welcomes new cardholders with a bonus, and its 0% introductory APR offers a financial cushion for the initial months. Accumulated rewards are yours to keep indefinitely. While it's a boon for those with good credit and an affinity for diving into rotating reward categories, it's less rewarding for generic purchases. Overall, this card is a solid pick for strategic spenders.

All information about the Chase Freedom Flex has been collected independently by Moneygeek.com and has not been reviewed by the issuer.

• Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, with new categories each quarter.
• Earn 5% cash back on travel booked through Chase Travel℠, which lets you redeem rewards for cash back, travel, gift cards, and more.
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, plus unlimited 1% cash back on all other purchases.
• No minimum for cash back redemption; choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash back rewards do not expire as long as your account is open.
• Benefit from 0% intro APR for 15 months on purchases and balance transfers from account opening, then a variable APR of 20.49% to 29.24%.
• No annual fee.
• Monitor your credit health with Chase Credit Journey, offering free access to your latest score, real-time alerts, and more.
• Member FDIC.

If you're a strategic spender who doesn't mind tracking category bonuses to get high rewards, the Discover it® Cash Back Card could work for you. It features 5% cash back on rotating categories and a generous 0% intro APR period.

• $0 annual fee.
• Discover automatically matches all cash back earned in the first year.
• No minimum spending is required, and there's no cap on rewards for the cash back match.
• Earn 5% cash back on rotating categories like groceries and gas each quarter upon activation.
• All other purchases earn an unlimited 1% cash back.
• Discover assists in minimizing online exposure of your personal data on certain sites, activated via the mobile app.
• Every dollar in cash back you earn is a dollar you can use.
• Enjoy a 0% introductory APR for 15 months on purchases and balance transfers, then a variable APR of 18.24%–28.24% after that.
• Standard APR ranges from 18.24%–28.24% (variable).

Citi's Costco Anywhere Visa Card offers high cash back rates on gas, travel and dining, making it ideal for Costco members who often dine out and go out of town. However, its reward redemption is tied to Costco.

• Discover a top-tier cash back rewards card from Citi, exclusively for Costco members.
• Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 annually, then 1% after that.
• 3% cash back on dining and eligible travel expenses.
• Enjoy 2% cash back on all purchases from Costco and Costco.com.
• Earn 1% cash back on all other purchases.
• Enjoy no annual fee with your paid Costco membership and benefit from no foreign transaction fees.
• Obtain an annual reward certificate redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico.

We love the Amazon Prime Rewards Visa Signature Card because of its welcome bonus, high cash back rate on Amazon purchases and added perks. For starters, all cardholders get a $100 Amazon Gift Card soon after their applications’ approval. Not having to pay an annual fee is a definite advantage.

As a Prime member, you earn 5% cash back when you use this card to make purchases through Amazon.com and Whole Foods Market. You get 2% back at gas stations, drugstores and restaurants, and 1% on all other purchases.

Using this card outside of the country makes sense as it comes with no foreign transaction fees. Additional benefits include purchase protection, extended warranty protection, baggage delay insurance, travel accident insurance and lost luggage reimbursement.

• $100 Amazon gift card as a welcome bonus
• High cash back for purchases at Amazon.com
• Rewards points can be easily redeemed for purchases at Amazon.com, and for cash back, gift cards and travel on Chase
• No foreign transaction fees
• Travel accident insurance
• Lost luggage reimbursement
• Baggage delay insurance
• Travel and emergency assistance
• Zero fraud liability
• Auto rental collision damage waiver
• Roadside dispatch
• Extended warranty protection
• Purchase protection