Best Cash Back Credit Cards of 2018

Cash back credit cards let you earn cash rewards on everyday purchases at supermarkets, gas stations, restaurants, and department stores. Many cash back credit cards also offer a generous sign-up bonus. Below you’ll find the best cash back credit cards for consumers and small businesses.

Best Credit Card for Consumers: Wells Fargo Cash Wise Visa Credit Card

Wells Fargo Cash Wise Visa Credit Card offers $200 bonus with unlimited 1.5% cash back on all purchases. In addition, it rewards you 1.8% cash back on mobile wallet purchases with Apple Pay® or Google Pay™ in the first 12 months. You can also get up to $600 protection on your cell phone against covered damage or theft. It also offers 0% Intro APR for 12 months on purchases and balance transfers. It has no annual fee.

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
12 months
Regular APR
15.99% - 26.99% (Variable)
Annual Fee
$0

Gas and Grocery Rewards Credit Card: $200 Bonus, 3% on Gas & 2% on Groceries

Bank of America Cash Rewards Credit Card - $200 Cash Rewards Offer offers $200 bonus. You only need to spend $500 on purchases in 90 days to qualify for the $200 bonus, which is easily attainable. In addition, you can earn 3% cash back on gas and 2% at grocery stores and wholesale clubs for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. It has no annual fee.

  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Best Business Cash Rewards: $200 Bonus & 3% Back on up to $250,000 in Spending

Bank of America Business Advantage Cash Rewards Mastercard offers $200 bonus after you spend only $500 in purchases within 60 days of account opening, which makes the bonus easily attainable. In addition, you can earn 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year), 2% on purchases at restaurants, and 1% on all other purchases. It has no annual fee.

Even if you don’t own a corporation or LLC, you can apply for business credit cards as a sole proprietor – just use your own name as the business name and use your SSN as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual here.

  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening - with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier - Gold 25%; Platinum 50%; or Platinum Honors 75%.
Intro APR
0% on Purchases
Intro APR Period
9 billing cycles
Regular APR
13.24% - 23.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Best Credit Card Bonus: $2,000 Cash Bonus and 2% Cash Rewards on All Purchases

Capital One® Spark® Cash for Business offers $2,000 bonus after qualified spending – the largest cash bonus among all credit cards in the U.S. market. In addition, you can earn unlimited 2% cash back on all purchases. This card has no annual fee for the first year. The $2,000 cash bonus and 2% cash rewards will well offset the $95 annual fee starting from the second year. If you want to avoid paying the annual fee, you can simply call customer services before the end of the first year to downgrade the card to Capital One® Spark® Cash Select for Business, which offers 1.5% cash back with no annual fee.

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro APR
N/A
Intro APR Period
N/A
Regular APR
18.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that

Credit Card Best for Traveling Abroad: No Foreign Transaction Fees & No Annual Fee

Capital One® Quicksilver® Cash Rewards Credit Card offers $150 bonus. You only need to spend $500 on purchases in the first 3 months to qualify for the $150 bonus. In addition, you can earn 1.5% cash back on all purchases. It has no annual fee and no foreign transaction fees, making it a perfect credit card to use when you are traveling abroad.

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
14.74% - 24.74% (Variable)
Annual Fee
$0

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