Best Cash Back Credit Cards of 2019

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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 some of the best cash back credit cards for consumers and small businesses.

Cash Rewards Credit Card for Everyday Purchases: $200 Bonus, up to 3% Cash Back

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer offers $200 bonus cash. You only need to spend $1,000 on purchases in 90 days to qualify for the $200 bonus, which is easily attainable. In addition, you can earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. It has no annual fee.

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 billing cycles
Regular APR
15.99% - 25.99% Variable APR on purchases and balance transfers
Annual Fee
$0

Best Business Cash Rewards: $300 Bonus & up to 3% Cash Back

Bank of America® Business Advantage Cash Rewards Mastercard® offers $300 bonus after you spend $3,000 in purchases within 90 days of account opening. In addition, you can earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back 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 $300 statement credit when you make at least $3,000 in net purchases within 90 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.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 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.
  • Get a 75% rewards bonus on every purchase when you're a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
Intro APR
0% on Purchases
Intro APR Period
9 billing cycles
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0

Large Credit Card Bonus: $500 Cash Bonus and 2% Cash Rewards on All Purchases

Capital One® Spark® Cash for Business offers $500 cash bonus after qualified spending. In addition to the significant bonus offer, you can earn unlimited 2% cash back on all purchases. This card has no annual fee for the first year. There will be an annual fee of $95 starting from the second year. The $500 cash bonus and 2% cash rewards will well offset the annual fee for many years. You may also consider the no-annual-fee card of Capital One® Spark® Cash Select for Business, which offers 1.5% cash back and $200 bonus cash back after qualified spending.

  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro APR
N/A
Intro APR Period
N/A
Regular APR
19.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • 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
0% on Purchases
Intro APR Period
9 months
Regular APR
15.24% - 23.24% (Variable)
Annual Fee
$0

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

Capital One® Quicksilver® Cash Rewards Credit Card offers $150 bonus cash after qualified spending. You only need to spend $500 on purchases in the first 3 months to be eligible for the $150 cash 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. If you prefer a Mastercard, you may consider HSBC Cash Rewards Mastercard®, which offers similar benefits of $150 bonus, unlimited 1.5% cash back, no annual fee, and no foreign transaction fees.

  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% 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
16.24% - 26.24% (Variable)
Annual Fee
$0

  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.99% - 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
12 months
Regular APR
14.99% - 24.99% Variable*
Annual Fee (Rates & Fees)
$0

Cash Rewards on Dining, Entertainment, and Grocery Purchases

Capital One® Savor® Cash Rewards Credit Card and Capital One® SavorOne® Cash Rewards Credit Card offer cash back on dining and entertainment, which means you receive cash back on spending at fine restaurants, Starbucks, bakeries, concerts, and sporting events, etc. You can earn cash rewards on your grocery purchases at supermarkets with these cards. In addition, you can earn a cash bonus after qualified spending.

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro APR
N/A
Intro APR Period
N/A
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0

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