Best Cash Rewards Credit Cards

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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 sign-up bonus. Below you’ll find the best cash back credit cards for consumers and small businesses.

Best Credit Card for Consumers: Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card offers $200 bonus with unlimited 1.5% cash back on all purchases. In addition, it rewards you 1.8% cash back on mobile wallet purchases with Apple Pay® or Android Pay™ in the first 12 months. You can also get up to $600 protection on your cell phone against covered damage or theft. It also offers 0% Intro APR for 12 months on purchases and balance transfers. It has no annual fee.

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 months
Regular APR
16.24% - 28.24% (Variable)
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, no cap on the amount of cash rewards you can earn and they don't expire.
  • Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 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.
  • 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 a 75% rewards bonus on every purchase when you're a Business Advantage Relationship Rewards Platinum Honors tier client. 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
14.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$0

Cash Rewards Credit Card for Everyday Purchases: $200 Bonus, up to 3% Cash Back

Bank of America® Cash Rewards credit card 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
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 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
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • 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
12 billing cycles
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Annual Fee
$0

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