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The Best Cash Back Credit Cards: A Guide for Smart Spenders

Hello Friends,

If you’re on the hunt for the best cash back credit cards, you’ve come to the right place. As a savvy shopper, you want to get the most out of every purchase. And that’s where cash back credit cards come in. With these cards, you can earn rewards on everything from groceries to travel.

But with so many options out there, how do you know which one is right for you? In this guide, we’ll break down the top cash back credit cards in the US, and help you choose the one that’s best for your lifestyle. So buckle up, and let’s get started.

What is a Cash Back Credit Card?

Before we dive into the top cash back credit cards, let’s first understand what they are. Simply put, cash back credit cards are rewards cards that give you a percentage of your purchase back in cash.

For example, if you make a $100 purchase with a 2% cash back credit card, you’ll earn $2 back in rewards. Some cards offer higher cash back rates for specific categories, such as groceries or gas.

There are two main types of cash back credit cards: flat rate cards and bonus category cards. Flat rate cards offer the same cash back rate on all purchases, while bonus category cards offer higher cash back rates in certain categories.

Now that we know the basics, let’s take a look at the top cash back credit cards on the market.

The Best Flat Rate Cash Back Cards

If you’re looking for simplicity and consistency, a flat rate cash back card may be the way to go. Here are some of the best ones on the market:

1. Citi Double Cash Card

The Citi Double Cash Card is one of the most popular flat rate cash back cards. It offers 2% cash back on all purchases: 1% when you make a purchase, and an additional 1% when you pay off your balance.

This card has no annual fee, and also offers 0% introductory APR for 18 months on balance transfers.

2. Fidelity Rewards Visa Signature Card

The Fidelity Rewards Visa Signature Card offers 2% cash back on all purchases, with no limits or categories to worry about. Plus, if you have a Fidelity account, you can have your rewards deposited directly into it.

This card has no annual fee, and also offers 0% introductory APR for 6 months on balance transfers.

3. PayPal Cashback Mastercard

The PayPal Cashback Mastercard offers 2% cash back on all purchases, with no limits or categories to worry about. Plus, your rewards are automatically redeemed into your PayPal account each month.

This card has no annual fee, and also offers no foreign transaction fees.

The Best Bonus Category Cash Back Cards

If you want to maximize your rewards in specific categories, a bonus category cash back card may be the way to go. Here are some of the best ones on the market:

1. Chase Freedom Flex

The Chase Freedom Flex card offers 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter. Plus, you’ll earn 5% cash back on travel purchased through Chase Ultimate Rewards, and 3% cash back on dining and drugstore purchases.

This card has no annual fee, and also offers 0% introductory APR for 15 months on purchases and balance transfers.

2. Discover it Cash Back

The Discover it Cash Back card offers 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter. Plus, you’ll earn 1% cash back on all other purchases.

This card has no annual fee, and also offers 0% introductory APR for 14 months on purchases and balance transfers.

3. U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ Visa Signature Card allows you to choose two 5% cash back categories each quarter. Plus, you’ll earn 2% cash back on gas, groceries, and drugstore purchases.

This card has no annual fee, and also offers a $150 bonus if you spend $500 within the first 90 days.

The Best Business Cash Back Cards

If you own a business, there are also cash back credit cards tailored to your needs. Here are some of the best ones on the market:

1. Capital One Spark Cash for Business

The Capital One Spark Cash for Business card offers unlimited 2% cash back on all purchases. Plus, you’ll earn a $500 cash bonus if you spend $4,500 within the first 3 months.

This card has a $95 annual fee, which is waived for the first year.

2. American Express Blue Business Cash Card

The American Express Blue Business Cash Card offers 2% cash back on all purchases, up to $50,000 per calendar year. Plus, you’ll earn a $250 statement credit after spending $3,000 within the first 3 months.

This card has no annual fee.

3. Chase Ink Business Cash

The Chase Ink Business Cash card offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year. Plus, you’ll earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year.

This card has no annual fee, and also offers 0% introductory APR for 12 months on purchases and balance transfers.

Conclusion

When it comes to cash back credit cards, there are plenty of options on the market. Whether you’re looking for a flat rate card, a bonus category card, or a business card, there’s something out there for everyone.

Remember to choose a card that fits your spending habits, and always pay your balance in full each month to avoid interest charges. Happy spending!

Thank you for reading our guide to the best cash back credit cards. Don’t forget to check out our other articles for more tips on personal finance, and we’ll see you in the next one!

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