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: $200 Bonus, up to 3% Cash Back
Bank of America® Customized 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 15 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
- This online only offer may not be available if you leave this page or when visiting Bank of America Financial Centers. To take advantage of this offer, click "Apply Now" above.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 15 billing cycles
- Regular APR
- 13.99% - 23.99% Variable APR on purchases and balance transfers
- Annual Fee
- $0
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. 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.
- Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
- $0 annual fee
- 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
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- 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
- 15 months from account opening
- Regular APR
- 14.49%-24.99% (Variable)
- Annual Fee (rates & fees)
- $0
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
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 for 15 months from date of first transfer and on purchases from date of account opening. 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
