Best Cash Back Credit Cards of 2020

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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 welcome bonus. Below you’ll find some of the best cash back credit cards for consumers and small businesses.

Citi Rewards+ Card: $150 Bonus and Rewards rounding up to 10%

Citi Rewards+® Card offers 15,000 bonus points, redeemable for $150 in cash rewards. You may earn 2X points at supermarkets and gas stations. Your rewards round up to the nearest 10 points on every purchase, which increases average rewards. You can redeem points for cash back, starting at 5000 points for $50. This credit card has no annual fee.

  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0

Citi® Double Cash Card: Earn 2% cash back and 0% APR for 18 months

Citi® Double Cash Card - 18 month BT offer offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It has no annual fee. It offers 0% on balance transfers for 18 months.

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Balance Transfers
Intro APR Period
18 months
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0

U.S. Bank Altitude Go Visa Signature Card

U.S. Bank Altitude Go Visa Signature Card offers 4X points on takeout, food delivery and dining and 2X points at grocery stores, grocery delivery, gas stations and on streaming services. Reward points can be redeemed towards cash back at the rate of 100 points for $1.

  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
14.99% - 23.99%* (Variable)
Annual Fee
$0*

Costco Anywhere Visa Card: Cash Rewards for Costco Members

Costco Anywhere Visa® Card by Citi offers 4% cash back on gas for the first $7,000 per year, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco.

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
N/A
Intro APR Period
N/A
Regular APR
15.24% (Variable)
Annual Fee
$0

American Express Blue Business Cash: 2% Cash Back and No Annual Fee

American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. It also offers up to $100 in statement credits each at Dell Technologies, DocuSign or FedEx. It has no annual fee.

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Intro APR
0% on Purchases
Intro APR Period
12 months from date of account opening
Regular APR
13.24% - 19.24% Variable
Annual Fee (Rates & Fees)
No annual fee

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

Bank of America® Cash Rewards credit card 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 in the category of your choice, automatic 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 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% 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
  • Contactless Cards - The security of a chip card, with the convenience of a tap
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0

1.5% Cash Back on all Purchases: $150 Bonus, unlimited 1.5% Cash Rewards

Wells Fargo Cash Wise Visa® card offers $150 bonus cash. You only need to spend $500 on purchases in 3 months to qualify for the $150 bonus. In addition, you can earn unlimited 1.5% cash back on all purchases. It has no annual fee.

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $0 annual fee
  • 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
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 months
Regular APR
14.49%-24.99% Variable
Annual Fee
$0

Wells Fargo Propel American Express® card: 20,000 bonus points – $200 cash value

Wells Fargo Propel American Express® card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. It offers 3X points on eating out and ordering in, 3X points on travel, 3X points on gas stations, rideshares and transit. It has no annual fee and no foreign transaction fees.

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on popular streaming services
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 months
Regular APR
14.49%-24.99% Variable
Annual Fee
$0

ABOC Platinum Rewards: $150 bonus cash and up to 5% cash back

ABOC Platinum Rewards Credit Card offers new card members $150 bonus cash back. It also offers 5% cash rewards on purchases each quarter in popular categories such as dining, travel, department stores, monthly bills. It has no annual fee.

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Intro APR
0% on Purchases
Intro APR Period
12 months
Regular APR
12.90% to 22.90% Variable
Annual Fee
$0


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