Best Cash Back Credit Card Offers
Disclosure: Easy Travel Points, LLC has partnered with CardRatings for our coverage of credit card products. Easy Travel Points, LLC and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. This compensation may impact how and where links appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
It’s no secret that I love credit cards that offer great travel rewards. However, I completely understand that it’s not the benefit everyone is looking for. That’s why I put together this list of my favorite cash back credit cards whose offers are currently available to everyone.
Cash back credit cards are simple and straightforward. You typically get a flat rate of cash back and sometimes there are bonus categories to help you accelerate your rewards. While you won’t get the out sized value from these cards that you can get with a travel rewards card, they do reward you for the purchases you make anyway.
I generally don’t like cash back credit cards that charge an annual fee because you earn at a flat rate. Some cards offer bonus categories that reward you at a higher rate for those purchases. Take a look at where you spend the most money each month and choose the card that provides you with the most value.
card_name
My Take – This card is a simple and easy to use card for everyday spending that has no annual fee. If you’re looking for a cash back card, I think this is an excellent option. I’ve had the card for years and use it all the time.
Bonus – bonus_miles_full These points are paid as Chase Ultimate Rewards points which can then be redeemed for cash.
Highlights – You will earn 5x points on all travel purchased through Chase Ultimate Rewards. Plus, you’ll earn 3x on all dining and drugstore purchases. Finally, you can earn an unlimited 1.5% cash back on all of your purchases. I also love that you can transfer the points you earn with this card to one of Chase’s premium credit cards to get more value out of them.
I have this card and use a strategy called the Chase Trifecta to maximize the number of points I earn. This card also gives various purchase protections on items you buy with this card which I think are an excellent perk.
Annual Fee – $0
Chase Freedom Flex℠
My Take – Chase just launched the Freedom Flex card and will essentially replace the old Freedom card. While the two cards are similar, there are some excellent additions to the new card.
I like this card because each quarter there are new bonus categories that allow you to earn 5% cash back as noted below and this card has no annual fee. I think it’s a solid choice and it’s a card that I’ve had in my wallet for years.
Bonus – For a limited time, new card holders will earn a $200 dollar bonus (20,000 Ultimate Rewards points) after spending $500 within the first 3 months of opening your account.
Highlights – You will earn 5x points on all travel purchased through Chase Ultimate Rewards. Plus, you’ll earn 3x on all dining and drugstore purchases. The card also comes with quarterly bonus categories that earn 5x points (on the first $1,500 in spend) on purchases made in those categories. Finally, you’ll earn an unlimited 1% cash back on all other eligible purchases you make with the card.
Annual Fee – $0
card_name
My Take – This card is another great option to earn cash back. I love the simplicity of the earning structure and your ability to earn bonus cash back in categories where a lot of people spend their money. It doesn’t matter if you normally bank with U.S. Bank or not, this is a great card for earning cash back.
Bonus – bonus_miles_full
Highlights – Each quarter, this card allows you to choose your own bonus categories. You’ll earn 5% cash back on the first $2,000 of purchases in your selected categories. You’ll also earn 2% cash back on an “everyday” category that you choose each quarter. Some of these “everyday” categories include gas and groceries. You will earn an unlimited 1% cash back on all other purchases.
Annual Fee – $0
card_name
My Take – I think this is a great option for those who don’t want to worry about rotating bonus categories and want a flat cash back rate on all of their purchases. Plus, I love that there are no foreign transaction fees with this card which is rare for cards that have no annual fee.
Bonus – bonus_miles_full
Highlights – This card is easy and straightforward. It offers an unlimited 1.5% cash back on all qualifying purchases. The card also doesn’t charge any foreign transaction fees on purchases made outside of the U.S.
Annual Fee – $0
card_name
My Take – I love this card because it gives you the ability to earn a lot of points each year. Anyone with a family should easily be able to max out the extra cash back from U.S. supermarkets. Yes, this card comes with an annual fee after the first year but if spend your money in the bonus categories, that will easily offset that cost.
Bonus – bonus_miles_full Terms apply.
Highlights – With the card_name you will earn an 6% cash back on the first $6,000 spent at U.S. supermarkets each year. You’ll also earn 3% cash back on purchases at U.S. gas stations. You’ll also earned an unlimited 1% cash back on all other eligible purchases. Be sure to review your spending in the bonus categories, to make sure the bonus earnings will offset the annual fee.
Annual Fee – $0 for the first year and then $95 See rates and fees.
Final Thoughts
Cash back credit cards are a great way to dip your toes into the world of reward credit cards. They’re simple to understand and can be a great option for your first rewards card. If you’re still not sure which of the cash back credit cards is best for you, you can contact us at any time and we would be happy to help.
Though once you get comfortable with one of these cards, you really need to check out some of the awesome travel cards currently available. If you’re new to the world of credit card rewards, take a look at our Beginner’s Guide as well our Ground Rules before you get started. These will provide you with all of the information you need before you get started.
For rates and fees of the Blue Cash Preferred® Card From American Express, See Rates and Fees.
Disclosure: Easy Travel Points, LLC has partnered with CardRatings for our coverage of credit card products. Easy Travel Points, LLC and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. This compensation may impact how and where links appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.