Best Cash Back Credit Cards in 2023

We love that this card offers a terrific rewards rate on dining purchases without the annual fee to match that so many competitors in this category have. You can also earn a sizable bonus after meeting a fairly low spend threshold, which is a great kickstart to your rewards balance.

Pros

• Impressive 4X points on dining and restaurants
• Intro APR for both purchases and balance transfers
• Flexible redemption options
• No annual fee
• Annual bonus for streaming services
• No foreign transaction fees

• 4 points per dollar spent on dining (including takeout and delivery)
• 2 points per dollar spent on grocery, gas and streaming service purchases
• 1 point per dollar on all other spending
• Earn 20,000 bonus points if you spend $1,000 in the first 90 days
• 0% intro APR on purchases and balance transfers for 12 billing cycles (19.99% to 28.99% variable APR after)
• No annual fee
• No foreign transaction fee
• Get a $15 credit once a year when you use your card to pay for eligible streaming services such as Netflix, Spotify and Amazon Music
• Redeem your reward points for online shopping, a statement credit, travel through the Altitude Rewards Center, and more

In the cash back credit card landscape, the Citi Custom Cash℠ Card distinguishes itself with its unique, tailored rewards system. The automatic cash back on the highest eligible spending category every billing cycle offers simplicity for varied spending, although the relatively low spending cap does limit your earning potential. Suppose you're looking to balance a decent intro APR period on either purchases or a balance transfer with reasonable rewards potential. This card may just fit the bill, especially as it comes with a welcome offer, which you won't often find on a balance transfer card.

Pros

• Earn rewards on your top eligible spending category
• No annual fee
• Good sign-up bonus
• Decent intro APR on purchases and balance transfers

• Earn 5% cash back on your top spending category each billing cycle (on up to $500 in spending, then 1%)
• Earn 1% on all other spending
• Earn 20,000 ThankYou Points (worth $200 cash back) after spending $1,500 on purchases in the first six months
• Redeem points for travel, statement credits, direct deposits or gift cards (no minimums)
• No annual fee
• Introductory 0% APR on purchases and balance transfers for 15 months (followed by variable 18.99% to 28.99% APR)
• Cell phone protection
• Complimentary DashPass subscription for three months
• $5 Lyft credits after three rides each month
• Complimentary ShopRunner membership
• Foreign transaction fee of 3%

We've taken a liking to the Blue Cash Preferred® Card from American Express mainly because of its noticeably high cash back rates.

Shopping at supermarkets and paying for select streaming subscriptions gives you a whopping 6% cash back, although a maximum limit applies on grocery spending. The 3% cash back on gas and transit and 1% on all other purchases are also very welcome.

American Express gives you the ability to pay for your purchases in installments through two Pay It Plan It methods.

Fraud protection ensures that you will not have to bear the brunt of fraudulent charges.

Pros

• 0% intro APR for the first year, then a variable APR of 19.24% – 29.99%
• Generous welcome offer
• Cash back up to 6% on select categories
• Use earned cash back as a statement credit

• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in spending — followed by 1%.
• Earn 6% cash back on select streaming subscriptions.
• Earn 3% cash back at U.S. gas stations and on transit (trains, buses, taxis/rideshare, parking, tolls, etc.).
• Earn 1% cash back on all other purchases.
• Redeem reward dollars as statement credit.
• Benefit through intro APR, annual fee and bonus cash back offers.
• Use the Pay It method for purchases under $100 and make payments through the month.
• Use the Plan It method for purchases over $100. Split them up into monthly payments with fixed monthly fees and no interest.
• Get added peace of mind through car rental loss and damage insurance, return protection and fraud protection.
• Use the American Express Experiences platform and access presale tickets and member-only events.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We think the Wells Fargo Active Cash® Card might work well you if you wish to earn cash back and pay no annual fee. As a new cardholder, you may earn a $200 cash rewards bonus if you spend $500 on purchases during the first three months. This card also comes with a 0% APR offer for 15 months on purchases and balance transfers.

The Wells Fargo Active Cash® Card offers 2% cash back on all purchases. You may use the cash back you earn to offset eligible purchases, you may redeem it as a credit to an existing Wells Fargo credit card or checking or mortgage account; you may redeem it through ATMs or use it to purchase gift cards.

Additional benefits come in the form of cellphone protection and access to a 24/7 concierge service as well as the Visa Signature Hotel Collection. Using this card outside of the U.S. might not work well for you, given its 3% foreign transaction fee.

Pros

• 2% cash back rewards on all spending
• Unlimited cash back rewards that don't expire
• No annual fee
• 0% introductory APR on purchases and balance transfers for 15 months
• $200 welcome bonus after spending $500 on purchases within three months from account opening
• Access to Visa Concierge and Visa Signature Luxury Hotel Collection

• No annual fee
• 2% cash back on all purchases
• Redeem cash back as a statement credit, a direct deposit to a Wells Fargo account or a mailed check
• Spend $500 within three months from account opening to earn a $200 welcome bonus
• Enjoy 0% APR on purchases and balance transfers for first 15 months
• 3% foreign transaction fee

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We recommend the Costco Anywhere Visa® Card by Citi to Costco members who want to earn higher than usual cash back across specific categories. You earn 4% cash back on the first $7,000 you spend toward eligible gas purchases (including gas at Costco), 3% cash back on restaurants and eligible travel purchases, and 2% cash back on all other purchases from Costco and Costco.com.

You pay no annual fee to use this card. It’s ideal for use outside of the U.S. too, as it comes with no foreign transaction fee. Damage and theft protection work as a safeguard for purchases made using this card. Cardholders also get access to Citi Entertainment.

Pros

• Generous reward program for gas purchases, travel and restaurant expenses
• No foreign transaction fees
• No annual fee for Costco members
• Purchase protection for all purchases made using this card

• Earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
• Earn 3% cash back on restaurants and eligible travel purchases
• Earn 2% cash back on Costco and Costco.com purchases
• Get purchase protection on all your purchases
• Get cash back as an annual credit card reward certificate redeemable for cash or merchandise at any U.S. Costco warehouse

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We love the Blue Cash Everyday® Card from American Express because it charges no annual fee and lets you earn high cash back across specific categories. You earn 3% cash back on up to $6,000 on grocery purchases at U.S. supermarkets each year. The same also applies on U.S. online retail purchases and gas purchases at U.S. gas stations. You earn 1% cash back on all other purchases.

A welcome offer lets you earn up to $200 back by spending $2,000 on purchases in your first six months to receive $200 as a statement credit. This card also comes with an introductory 0% APR on purchases for the first 15 months, then a variable APR of 19.24% – 29.99% after.

Using this card outside of the U.S. might not a good idea because it charges foreign transaction fees.

Pros

• Competitive cash back rates on supermarkets, gas and online retail purchases in the U.S.
• No annual fees
• Decent welcome bonus
• Low intro APR with a long introductory period
• Split purchases of more than $100 into monthly payments through the Plan It feature

• 3% cash back on groceries at U.S. supermarkets on up to $6,000 in purchases per year, then 1% cash back
• 3% cash back on U.S. online retail purchases on up to $6,000 in purchases per year, then 1% cash backk
• 3% cash back on gas at U.S. gas stations on up to $6,000 in purchases per year, then 1% cash back
• 1% cash back on all other purchases
• 0% intro APR for the first 15 months from account opening, then a variable APR of 19.24% – 29.99% after.
• Earn up to $200 back by spending $2,000 on purchases in your first six months of account opening.
• Terms apply

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We love the Capital One QuicksilverOne Cash Rewards Credit Card because it gives people with fair credit the ability to earn cash back. No matter which category you spend in, you earn 1.5% cash back.

Capital One gives cardholders the option of redeeming earned cash back in different ways. You may use the cash back you earn as statement credit, apply it directly on purchases or get gift cards.

VIrtual card numbers provide added security for online transactions. And not having to pay any foreign transaction fees makes this card ideal if you plan to travel overseas. This card also comes with $0 fraud liability.

Pros

• Flat cash back rate across all categories
• Earn unlimited cash back
• Redeem cash back in different ways
• No foreign transaction fees
• Supports autopay
• Add an authorized user
• Virtual card numbers for online transactions

• Earn unlimited 1.5% cash back on each purchase.
• Stand to earn cash rewards without signing up for rotating categories.
• Get considered for a higher credit line automatically after six months.
• Pay an annual fee of $39.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.

Pros

• High flat-rate cash back on all spending
• Bonus cash back on select travel purchases
• Generous one-time cash bonus
• Comprehensive suite of business tools
• No foreign transaction fees

• Earn 2% cash back on all spending
• Earn 5% cash back on hotels and rental cars booked through Capital One Travel
• Earn a one-time cash bonus of $1,200 after spending $30,000 in the first three months
• Annual fee of $150 (refunded if you spend at least $150,000 in a year)
• No APR (charge card)
• Business tools: free employee cards, quarterly and year-end summaries
• No foreign transaction fees
• Roadside assistance*
• Extended warranties on eligible purchases*
• Purchase assurance up to 90 days*
• Lost or damaged luggage reimbursement*

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.