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 2% or More Cash Back

Credit CardBonus and RewardsAnnual Fee
Wells Fargo Active Cash CardWells Fargo Active Cash℠ Card
  • New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
  • Unlimited 2% cash rewards on purchases
  • $0
    (rates & fees)
    Bank of America Customized Cash Rewards Credit CardBank of America® Customized 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
  • 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
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • $0
    Citi Double Cash CardCiti® Double Cash Card2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.$0
    Chase Freedom UnlimitedChase Freedom Unlimited®
  • A $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Unlimited 1.5% cash back on all other purchases.
  • 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • $0
    Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express
  • 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 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
    (fees)
    Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card
  • A one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • $0

    Best Business Credit Cards with Cash Rewards

    Credit CardBonus and RewardsAnnual Fee
    American Express Blue Business Cash CardAmerican Express Blue Business Cash™ Card
  • A $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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
    (fees)
    Ink Business Cash Credit CardInk Business Cash℠ Credit Card
  • $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • 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
  • 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 PlusCapital One Spark Cash Plus
  • Up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • An annual $200 cash bonus every year you spend $200,000 or more
  • Unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150
    Ink Business Preferred Credit CardInk Business Preferred℠ Credit Card
  • 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
  • 1 point per $1 on all other purchases
  • $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
  • 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • 3 Points per $1 spent at Restaurants and Supermarkets
  • 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • 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
  • 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
  • 4X points on takeout, food delivery and dining
  • $0
    Citi Rewards+ CardCiti Rewards+® Card
  • For a Limited Time, earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 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