Best Cash Back Credit Cards for September 2024

• 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 12 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 3% fee. 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).

• Earn $200 cash back after spending $1,500 on purchases within the first six months of account opening. This bonus is awarded as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 2% on every purchase, with 1% cash back when you buy and an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
• 5% total cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal until December 31, 2024.
• Enjoy 0% intro APR on balance transfers for 18 months. After that, a variable APR of 19.24% to 29.24% applies, based on your creditworthiness. Balance transfers do not earn cash back, and the intro APR does not apply to purchases. Interest will be charged on your purchases unless you pay your entire balance, including balance transfers, by the due date each month.
• There is an intro balance transfer fee of 3% (minimum $5) for each transfer completed within the first four months of account opening. After that, the fee is 5% (minimum $5) for each transfer.

• 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.
• 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.

Introductory Offers

• $200 cash bonus after spending $500 in the first three months.
• 0% intro APR on purchases and balance transfers for 15 months; after that, a variable APR of 20% to 30% applies.

Rewards

• Earn unlimited 1.5% cash back on every purchase, every day.
• Get 5% cash back on hotels and rental cars booked through Capital One Travel.

APRS, Fees, and Penalties

• Pay a 3% fee on balance transfers within the first 15 months, then 4% afterwards.

Perks & Benefits

• No annual fee and no foreign transaction fees.
• Cash back rewards do not expire, and no sign-ups are needed to earn rewards.

Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

• Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, the premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can 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.
• Enjoy 0% Intro APR on purchases and balance transfers for 15 months from account opening, followed by a variable APR of 20.49% to 29.24%.
• No annual fee — You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card.
• Keep tabs on your credit health; Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts and more.

• $200 cash back after spending $1,500 on purchases within the first six months of account opening, fulfilled as 20,000 ThankYou® Points redeemable for $200 cash back.
• Enjoy 0% intro APR on balance transfers and purchases for 15 months. After that, a variable APR between 19.24% and 29.24% applies, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, then 1% cash back afterward. Earn unlimited 1% cash back on all other purchases.
• No need to sign up for rotating bonus categories. Your rewards automatically adjust based on your spending each billing cycle in any eligible categories.
• No annual fee.
• Citi allows only one Citi Custom Cash® Card account per person.

Introductory Offer Details

• Enjoy a $0 intro annual fee for the first year, then $95 after that.
• Earn a $250 statement credit after spending $3,000 on eligible purchases within the first six months.
• Benefit from 0% intro APR on purchases and balance transfers for 12 months from account opening. After that, a variable APR of 18.74% to 29.74% applies.

Cash Back Details

• 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.

Other Benefits

• 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

• Earn a $200 cash rewards bonus after spending $1,000 on purchases within the first 90 days of opening your account.
• 3% cash back in the category of your choice, up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 2% cash back automatically at grocery stores and wholesale clubs, up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• Earn unlimited 1% cash back on all other purchases.
• Bank of America Preferred Rewards® members can earn 25%–75% extra cash back on every purchase, potentially earning 3.75%–5.25% back in the chosen category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• Enjoy a 0% introductory APR for 15 billing cycles on purchases and balance transfers made within the first 60 days. After that, a variable APR of 19.24%–29.24% applies. A fee of 3% for balance transfers within the first 60 days, then 4% thereafter.
• Regular APR ranges from 19.24% to 29.24% (variable) for both purchases and balance transfers.
• Use contactless cards for secure, convenient transactions with a simple tap.

• $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).

• No annual fees
• Earn a $200 bonus by opening a Rewards Checking Plus account and completing three debit card transactions within 60 days
• Earn 1.5% unlimited cash back on card purchases with each payment
• Experience seamless payments using built-in contactless technology
• Check eligibility in minutes with no impact on your credit score
• Merge credit card flexibility with the predictability of a personal loan
• Ideal for substantial purchases with manageable, budget-friendly payments
• Access your account on the go with a user-friendly mobile app
• Benefit from $0 fraud liability for added security
• Regular APR range between 14.99% – 29.99%
• Accepts fair to good credit

• Earn 6% cash back on up to $1,500 in combined purchases each quarter at two selected retailers, including options like Amazon.com™, Walmart® and Target®.
• Earn a $250 bonus after spending $2,000 within the first 120 days of opening your account.
• Earn 3% cash back on up to $1,500 each quarter in a chosen everyday category, such as wholesale clubs, gas stations, EV charging stations and home utilities.
• Enjoy 1.5% cash back on all other eligible purchases.
• Benefit from 5.5% cash back on prepaid car and hotel reservations made through the Rewards Center.
• Access increased cash back opportunities at over 1,100 online stores via U.S. Bank's Rewards Center Shopping Deals.
• Choose from flexible cash back redemption options, including statement credit, rewards card, merchant gift cards or direct deposit into a U.S. Bank checking or savings account.
• No annual fee for the first year, followed by a $95 annual fee after that.
• Regular APR: 19.74%–29.74% (variable).

• 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.