Best Cash Back Credit Cards of 2021

By
Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Top Cash Back Credit Cards

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.

Best Personal Credit Cards with 1.5% or More Cash Back

Credit CardBonus and RewardsAnnual Fee
Bank of America Cash Rewards Credit CardBank of America® Cash Rewards credit card
  • $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
    Citi Double Cash Card - 18 month BT offerCiti® Double Cash Card - 18 month BT offerEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.$0
    Costco Anywhere Visa Card by CitiCostco Anywhere Visa® Card by Citi
  • 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
  • $0
    Wells Fargo Cash Wise Visa CardWells Fargo Cash Wise Visa® card
  • Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $0
    Chase Freedom UnlimitedChase Freedom Unlimited®
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • $0
    Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • $0
    Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card
  • Earn a one-time $200 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
  • $0

    Best Business Credit Cards with Cash Rewards

    Credit CardBonus and RewardsAnnual Fee
    American Express Blue Business Cash CardAmerican Express Blue Business Cash™ CardEarn 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.$0
    Costco Anywhere Visa Business Card by CitiCostco Anywhere Visa® Business Card by Citi
  • 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
  • $0
    Ink Business Cash Credit CardInk Business Cash℠ Credit Card
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • $0
    Capital One Spark Cash for BusinessCapital One® Spark® Cash for Business
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 intro for first year; $95 after that
    Ink Business Preferred Credit CardInk Business Preferred℠ Credit Card
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • $95

    Credit Cards with Rewards Points that are Redeemable for Cash Back

    Some credit cards allow you to earn points, which can then be redeemed for cash rewards or statement credit. For example, you can redeem Citi ThankYou rewards points for cash back. The following are a few credit cards that you can earn points and then redeem points for cash rewards.

    Rewards Credit Cards with the Option of Redeeming for Cash

    Credit CardBonus and RewardsAnnual Fee
    Citi Premier CardCiti Premier® Card
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • $95
    U.S. Bank Altitude Go Visa Signature CardU.S. Bank Altitude Go Visa Signature Card
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • $0
    Citi Rewards+ CardCiti Rewards+® Card
  • 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
  • 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.
  • $0

    Disclosure on User Generated Content: The responses on our site are not provided or commissioned by the advertiser. Responses have not been reviewed, approved or otherwise endorsed by the advertiser. It is not the advertiser's responsibility to ensure all posts and/or questions are answered.

    Subscribe to our latest articles, news, and promotions!
    Leave a Reply, And Voice Yourself

    Please enter your name
    Please enter your email