Compare 5% cashback credit cards

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• Get this card if: You want a wide variety of categories.

If you’re looking to earn 5% cash back on as many rotating categories as possible, then the Chase Freedom® credit card could be worth considering. You earn high cash back on rotating categories every three months you activate, which often include gas, groceries and wholesale clubs.

Also, for up to three quarters you can use Chase Pay to earn accelerated cash back. This earns you the highest rate on purchases, which aren’t included in the categories, such as restaurants.

Furthermore, the card offers a decent signup bonus, long intro APR period on balance transfers and purchases, and if you make a late payment — you only incur a fee instead of a penalty APR.

• The perks

  • Cash back.
    Earn 5% cash back on up to $1,500 in combined purchases on quarterly rotating categories when you activate, including gas, groceries, wholesale clubs, digital wallet payments and more.
  • Signup bonus.
    Spend $500 on purchases during your first 3 months of card membership and earn a cash bonus.
  • Intro APR period.
    Enjoy a 0% intro APR period on purchases and balance transfers for the first 15 months following your account opening. After that, a variable APR of applies.
  • No penalty APR.
    For late or returned payments, you’ll only pay a fee of up to $39. With other cards, you could incur a penalty APR of up to 31% variable, which can last indefinitely.
  • No annual fee.
    Earn all the cash back you can without paying an annual fee.

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• Get this card if: You want customizable categories.

With most 5% cashback cards with rotating categories, you don’t have control over which categories appear during each quarter. In most cases, you don’t even know what they are until announced. With the U.S. Bank Cash+™ Visa Signature® Card you choose which purchases earn accelerated cash back (see rates & fees).

Your options include furniture, home utilities, department stores, electronics stores and select clothing stores. And you can plan your purchases ahead. If you’re looking to buy new mattresses and clothes — enroll in those two categories for the first three months. You want to buy new TV or a computer? Enroll in electronics stores for the second quarter.

• The perks

  • Cash back.
    Earn 5% cash back on up to $2,000 per enrolled quarter in combined purchases in two categories of your choice and 1% back after that, 2% back on either gas or groceries and 1% back on everything else you buy. Redeem cash back as a statement credit or a deposit to your U.S. Bank savings, checking or money market account.
  • Signup bonus.
    Spend $500 on purchases in your first 90 days of card membership and get $$150 bonus cash.
  • Intro APR period on balance transfers.
    Get 12 billing cycles following your account opening of 0% intro APR period on balance transfers. After the intro period passes, your rate reverts to variable 15.49% to 24.99%.

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• Get this card if: You often use Amazon.

If you spend more than $3,000 annually on Amazon and at Whole Foods Market — and especially if you’re already an Amazon Prime member — the Amazon Prime Rewards Visa Signature Card could be a strong choice. It lets you earn unlimited cash back on these two categories throughout the year. Plus you earn high points on gas, dining and for shopping at drugstores, and you get an Amazon gift card as soon as you’re approved for the card.

• The perks

  • Cash back.

    Earn points worth 5% in cash back on all of your Amazon and Whole Foods Market purchases. Earn 2% back at restaurants, gas stations and drugstores, and 1% back on everything else you buy. Redeem points for cash, gift cards, travel or use toward your new Amazon purchases.

  • Amazon gift card.

    Get $70 once you’re approved for this Chase credit card.

  • Metal card.

    This is a metal card with the look and feel of the more expensive cards like the Amex Platinum.

  • No foreign transaction fee.

    You can use this card freely when traveling abroad and you won’t pay a foreign transaction fee.

  • Travel insurance and luggage reimbursement.

    Use your card to pay for your transportation ticket and get coverage against accidental death or dismemberment. Your luggage is also covered against loss, damage or delays for more than six hours.

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• Get this card if: You want cash back on gas.

Similar cards offer 5% cash back on gas with a limit of up to $1,500 per quarter or up to six months annually. With the Ducks Unlimited Rewards Visa® credit card you get unlimited 5% cash back on gas during the entire year. If that’s where you spend most money at, this card is an easy choice.

• The perks

  • Cash back.
    Earn 5% cash back on gas and on purchases made at sporting goods stores without any quarterly restrictions. On everything else you buy, earn 1% back.
  • Support Ducks Unlimited.
    With every purchase you make, you help fund wetland conservation.
  • No penalty APR.
    If you make a late payment, you’ll pay a fee of up to $39. With other cards you could incur a penalty APR of up to 31%, which may last indefinitely.
  • No annual fee.
    You won’t pay an annual fee to own the card.