Best Cash Back Credit Cards of 2022
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.
| Credit Card | Bonus and Rewards | Annual Fee |
|---|
 | Wells Fargo Active Cash® Card | $200 cash rewards bonus after spending $500 in purchases in the first 3 monthsUnlimited 2% cash rewards on purchases | $0
rates & fees |
 | Bank 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 - now with expanded categories, 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.Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category. | $0 |
 | Citi Custom Cash® Card | $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. | $0 |
 | Citi® Double Cash Card - 18 month BT offer | 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 Citi | 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter3% cash back on restaurants and eligible travel purchases2% cash back on all other purchases from Costco and Costco.com1% cash back on all other purchases | $0 |
| Credit Card | Bonus and Rewards | Annual Fee |
|---|
 | Ink Business Cash® Credit Card | $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening5% 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 year2% 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 |
 | Ink Business Unlimited® Credit Card | $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account openingUnlimited 1.5% cash back on every purchase made for your business | $0 |
 | The American Express Blue Business Cash™ Card | 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) |
 | Costco Anywhere Visa® Business Card by Citi | 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter3% cash back on restaurants and eligible travel purchases2% cash back on all other purchases from Costco and Costco.com1% cash back on all other purchases | $0 |
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. The following are a few credit cards that you can earn points and then redeem points for cash rewards.
| Credit Card | Bonus and Rewards | Annual Fee |
|---|
 | Citi Premier® Card | 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels3 Points per $1 spent at Restaurants and Supermarkets1 Point per $1 spent on all other purchases | $95 |
 | Citi Rewards+® Card | 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.com2X 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 |
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