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® Double Cash Card – 18 month BT offer: Earn cash back twice and No Annual Fee

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.

  • Earn cash back twice. 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

Chase Freedom Unlimited: Unlimited 1.5% Cash Back and $150 Bonus

Chase Freedom Unlimited® offers unlimited 1.5% cash back on all purchases and $150 bonus cash back after qualified spending. It has no annual fee.

  • Bonus: You will receive 15,000 bonus points after you spend $500 on purchases in your first 3 months from account opening, which can be redeemed for $150 cash back.
  • Rewards: You will earn unlimited 1.5% cash back on all purchases. Your cash back rewards do not expire as long as your account is open.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.

ABOC Platinum Rewards Credit Card: $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

American Express Blue Business Cash Card: 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 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


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