The Best Cash-Back Credit Cards in the U.S.

If you’re looking for a great way to save money on your everyday purchases, you should consider getting a cash-back credit card. These cards offer great rewards on all of your purchases, and they can really add up over time. In this blog post, we will discuss the best cash-back credit cards in the United States. We’ll talk about the different types of cards available, and we’ll help you find the one that’s right for you.

How to Choose The Right Cash-Back Credit Card

There are several factors to consider when selecting the right cash-back credit card;

The Rewards Structure

This is one of the most important factors to consider, as you will want a card that offers great rewards on all your everyday purchases.

Different cards offer different percentages of cash back on specific types of purchases. Some cards may have higher rates for travel or dining, while others may provide more points per dollar spent at grocery store chains or department stores.

Be sure to compare the different features and benefits of each card before deciding which one is right for you.Look for cards with generous cash-back rates, bonus categories, and ongoing rewards points.

The Annual Fee

Many cash-back credit cards come with an annual fee; however, some offer no annual fee or lower fees for certain types of customers. Be sure to read the fine print to find out what the exact terms are before signing up for a card.

Additional Benefits

Many cash-back cards also offer additional benefits such as purchase protection, fraud protection, extended warranties and more. These can be valuable if you use your card frequently and responsibly.

Best Cash-Back Credit Cards in the U.S.

Now that you know what to look for in a cash-back credit card, let’s take a look at some of the best cards available in the United States:

Chase Freedom Unlimited®

The Chase Freedom Unlimited® is one of the best cash-back cards on the market. It offers an unlimited 1.5% cash back on all purchases, and bonus points when you spend in specific bonus categories like groceries, gas stations, restaurants, and more. Plus, it has no annual fee and there’s a 0% introductory APR for 15 months on purchases and balance transfers.

Discover it Cash Back

If you’re looking for a generous rewards program with flexible redemption options, you should consider the Discover it Cash Back card. This card offers 5% cash back at different places each quarter (up to $1,500 total quarterly) when you activate the bonus category every three months. There’s also an unlimited 1% cash back on all other purchases, and no annual fee.

Citi Double Cash Card

The Citi Double Cash Card is a great choice if you’re looking for a simple cash-back card. It offers 2% cash back on all purchases – 1% when you make a purchase, and 1% when you pay your bill – with no rotating categories or bonus spending requirements. Plus, there’s no annual fee and you get 0% introductory APR for 18 months on balance transfers.

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a great option for those who want to earn rewards quickly. You’ll get an unlimited 1.5% cash back on all purchases, and there’s no annual fee. Plus, you get a 0% intro APR for 15 months on purchases and balance transfers.

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is great for those who want to maximize their cash-back rewards. This card offers an unlimited 3% cash back on eating out, gas station purchases, streaming services, and more; plus 1% cash back on all other purchases. There’s no annual fee and you get 0% intro APR for 15 months on purchases and balance transfers.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is an excellent choice for those who want to earn great rewards on their spending. It offers 6% cash back at U.S supermarkets (up to $6,000 per year) and on select U.S streaming services, plus 3% at gas stations and certain department stores. There’s a $95 annual fee, but it comes with a 0% intro APR for 12 months on purchases and balance transfers.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card is perfect for those who want to earn rewards on their dining and entertainment purchases. This card offers an unlimited 3% cash back at restaurants and on select entertainment purchases, plus 2% at grocery stores (up to $2,500 in combined purchases each quarter) and 1% on all other purchases. There’s no annual fee, and you get 0% intro APR for 15 months on purchases and balance transfers.

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a great choice for those who want to earn rewards on their everyday purchases. This card offers an unlimited 5% cash back at grocery stores (up to $1,500 per quarter) and 1% on all other purchases. There’s no annual fee, and you get 0% intro APR for 15 months on purchases and balance transfers.

Bank of America® Unlimited Cash Rewards credit card

The Bank of America® Unlimited Cash Rewards credit card is a great choice for those who want to maximize their rewards. This card offers an unlimited 3% cash back on dining and travel purchases, 2% at grocery stores and wholesale clubs (up to $2,500 in combined purchases each quarter) and 1.5% on all other purchases. There’s no annual fee, and you get 0% intro APR for 15 months on purchases and balance transfers.

Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card is a great choice for those who want to customize their rewards. This card offers 3% cash back in the category of your choice (such as travel, dining, gas stations, and more) plus 2% at grocery stores and wholesale clubs (up to $2,500 in combined purchases each quarter) and 1% on all other purchases. There’s no annual fee, and you get 0% intro APR for 15 months on purchases and balance transfers.

Conclusion

Finding the best cash-back credit card for your lifestyle is important. Be sure to compare different cards and understand their fees and rewards structure before making a decision. With any of the cards above, you can earn great rewards on your everyday spending without having to pay an annual fee or worry about bonus spending requirements. Plus, many of them come with 0% intro APR on purchases and balance transfers.