RedditCash 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: $150 Bonus, 1.5% Cash Back
Wells Fargo Cash Wise Visa® card offers $150 bonus. You only need to spend $500 on purchases in the first 3 months to qualify for the $150 bonus, which is easily attainable. In addition, you can earn unlimited 1.5% cash rewards on purchases and enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening. You can also 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 card.
- Bonus: earn $150 cash rewards bonus after you spend at least $500 in purchases in your first 3 months from account opening.
- Rewards: You will earn unlimited 1.5% cash rewards on purchases. You will earn 1.8% cash rewards on purchases when using a qualified digital wallet (for example, Apple Pay or Google Pay) during the first 12 months from the date the account is opened.
- Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.
Citi® Double Cash Card – 18 month BT offer: Earn cash back twice and No Annual Fee
Citi® Double Cash Card - 18 month BT offer offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It has no annual fee.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 18 months
- Regular APR
- 13.99% - 23.99% (Variable)
- Annual Fee
- $0
Wells Fargo Propel American Express® card: 20,000 bonus points – $200 cash value
Wells Fargo Propel American Express® card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. It offers 3X points on eating out and ordering in, 3X points on travel, 3X points on gas stations, rideshares and transit. It has no annual fee and no foreign transaction fees.
- Bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months, which can be redeemed for $200 gift cards.
- Rewards: You will earn 3 points for each dollar spent on dining, gas, travel, rideshares and transit, and popular streaming services. You will earn 1 point for each dollar spent on other purchases.
- Fees: This credit card has no annual fee. It has no currency conversion fee, either.
Citi Rewards+ Card: $150 Bonus and Rewards rounding up to 10%
Citi Rewards+® Card offers 15,000 bonus points, redeemable for $150 in cash rewards. You may earn 2X points at supermarkets and gas stations. Your rewards round up to the nearest 10 points on every purchase, which increases average rewards. You can redeem points for cash back, starting at 5000 points for $50. This credit card has no annual fee.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- 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
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
- 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.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 13.49% - 23.49% (Variable)
- Annual Fee
- $0
Costco Anywhere Visa Card: Cash Rewards for Costco Members
Costco Anywhere Visa® Card by Citi offers 4% cash back on gas for the first $7,000 per year, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco.
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 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
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 15.24% (Variable)
- Annual Fee
- $0
Cash Rewards Credit Card: $200 Bonus, up to 3% Cash Back
Bank of America® Cash Rewards credit card offers $200 bonus cash. 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, 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. 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, 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% 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, 13.99% - 23.99% 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 12 billing cycles
- Regular APR
- 13.99% - 23.99% Variable APR on purchases and balance transfers
- Annual Fee
- $0
1.5% Cash Back on all Purchases: $150 Bonus, unlimited 1.5% Cash Rewards
Wells Fargo Cash Wise Visa® card offers $150 bonus cash. You only need to spend $500 on purchases in 3 months to qualify for the $150 bonus. In addition, you can earn unlimited 1.5% cash back on all purchases. It has no annual fee.
- Bonus: earn $150 cash rewards bonus after you spend at least $500 in purchases in your first 3 months from account opening.
- Rewards: You will earn unlimited 1.5% cash rewards on purchases. You will earn 1.8% cash rewards on purchases when using a qualified digital wallet (for example, Apple Pay or Google Pay) during the first 12 months from the date the account is opened.
- Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.
Wells Fargo Propel American Express® card: 20,000 bonus points – $200 cash value
Wells Fargo Propel American Express® card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. It offers 3X points on eating out and ordering in, 3X points on travel, 3X points on gas stations, rideshares and transit. It has no annual fee and no foreign transaction fees.
- Bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months, which can be redeemed for $200 gift cards.
- Rewards: You will earn 3 points for each dollar spent on dining, gas, travel, rideshares and transit, and popular streaming services. You will earn 1 point for each dollar spent on other purchases.
- Fees: This credit card has no annual fee. It has no currency conversion fee, either.
ABOC Platinum Rewards: $150 bonus cash and up to 5% cash back
ABOC Platinum Rewards Credit Card offers new card members $150 bonus cash back. It also offers 5% cash rewards on purchases each quarter in popular categories such as dining, travel, department stores, monthly bills. It has no annual fee.
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
- Intro APR
- 0% on Purchases
- Intro APR Period
- 12 months
- Regular APR
- 12.90% to 22.90% Variable
- Annual Fee
- $0
