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 sign-up bonus. Below you’ll find the best cash back credit cards for consumers and small businesses.
Cash Rewards Credit Card for Everyday Purchases: $200 Bonus, up to 3% Cash Back
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer offers $200 bonus. 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, and 2% at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. 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, 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 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% 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
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 15 billing cycles
- Regular APR
- 15.74% - 25.74% Variable APR on purchases and balance transfers
- Annual Fee
- $0
Best Business Cash Rewards: $300 Bonus & Up to 3% Cash Back
Bank of America® Business Advantage Cash Rewards Mastercard® offers $300 bonus after you spend $3,000 in purchases within 90 days of account opening, which makes the bonus easily attainable. In addition, you can earn 3% cash back on your selected choice category, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases. It has no annual fee.
Even if you don’t own a corporation or LLC, you can still apply for business credit cards as a sole proprietor – just use your own name as the business name and use your SSN as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual here.
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening - with no annual fee and cash rewards don't expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
- You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 0% Introductory APR on purchases for your first 9 billing cycles.
- Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
- Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
- Intro APR
- 0% on Purchases
- Intro APR Period
- 9 billing cycles
- Regular APR
- 13.99% - 23.99% Variable APR on purchases and balance transfers
- Annual Fee
- $0
Limited-Time Offer: $2,000 Cash Bonus and 2% Cash Rewards on All Purchases
Capital One® Spark® Cash for Business offers $2000 cash bonus after qualified spending. In addition to the significant bonus offer, you can earn unlimited 2% cash back on all purchases. This card has no annual fee for the first year. There will be an annual fee of $95 starting from the second year. The $2000 cash bonus and 2% cash rewards will well offset the annual fee for many years. You may also consider the no-annual-fee card of Capital One® Spark® Cash Select for Business, which offers 1.5% cash back and $200 bonus cash back after qualified spending.
- Limited Time Offer: Earn up to $2,000 in cash bonuses
- Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 18.74% (Variable)
- Annual Fee
- $0 intro for first year; $95 after that
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
- No annual fee
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- $0 Fraud Liability if your card is lost or stolen
- No foreign transaction fees
- Intro APR
- 0% on Purchases
- Intro APR Period
- 9 months
- Regular APR
- 14.74% - 22.74% (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 and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, 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
- Regular APR
- 14.74% - 20.74% Variable
- Annual Fee (Rates & Fees)
- No annual fee
Credit Card for Traveling Abroad: No Foreign Transaction Fees & No Annual Fee
Capital One® Quicksilver® Cash Rewards Credit Card offers $150 bonus cash after qualified spending. You only need to spend $500 on purchases in the first 3 months to be eligible for the $150 cash bonus. In addition, you can earn 1.5% cash back on all purchases. It has no annual fee and no foreign transaction fees, making it a perfect credit card to use when you are traveling abroad.
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 15.74% - 25.74% (Variable)
- Annual Fee
- $0
