Compare 5% cashback credit cards

In addition to cash back, most of these cards offer a signup bonus, and they usually have no annual fee. With some cards you can even get an intro APR period on purchases and balance transfers.

Compare 5% cashback credit cards

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees	Compare	loading Fetching your data...
Chase Freedom Flex℠			5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.	Compare	loading Fetching your data...
Chase Freedom Unlimited®			5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Compare	loading Fetching your data...
CardMatch™ from creditcards.com			See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...
Amalgamated Bank of Chicago Platinum Rewards Mastercard®			1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points	0% intro for the first 12 months (then 12.9% to 22.9% variable)	$0	Apply now View details	Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days	Compare	loading Fetching your data...

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Consider these 5% cashback credit cards

A 5% cashback credit card often has quarterly rotating categories on which you can earn accelerated cash back. Below are some examples of 5% cashback cards you might want to consider.

Chase Freedom Flex℠

Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

If you're looking to earn 5 cash back on as many rotating categories as possible, then the Chase Freedom Flex℠ 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.

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

• 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. Also, earn 5% on travel purchased through Chase Ultimate Rewards, 5% on Lyft rides through March 2022, 3% at restaurants, and 3% on drugstore purchases.
• Signup bonus. Spend $500 on purchases during your first 3 months of card membership and earn a cash bonus, plus earn 5 cash back at grocery stores on up to $12,000 in the first year.
• Intro APR period. Enjoy a 0% intro APR period on purchases for the first 15 months following your account opening. After that, a variable APR of 14.99% to 23.74% 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.

Annual Fee	$0
Purchase APR	0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR	14.99% to 23.74% variable
Welcome offer	$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Rewards	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases

Chase Freedom Unlimited®

Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850) Apply now on Chase's secure site Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

Similar to the Chase Freedom Flex, you earn 5% cashback on a variety of categories. But with the Chase Freedom Unlimited®, you get something more — an unlimited 1.5% cashback on all purchases aside from the 5% and 3% categories. This is a rare benefit in tiered cashback credit cards.

What’s more, you get to earn a solid signup bonus, and you get to save money on interest with a long 0% intro APR period on purchases.

• Cash back. Earn 5% back on travel purchased via the Chase Ultimate Rewards and 5% back on Lyft rides through March 2022. Purchases made at drugstores and restaurants, including delivery and takeout earn 3% back. Earn 1.5% cash back on all other purchases.
• Signup bonus. Earn a $200 cash bonus after you spend $500 in the first 3 months. In addition, earn 5% back at grocery stores on up to $12,000 in the first year.
• Intro APR period. Get 15 months of 0% intro APR period on purchases. A variable APR of 14.99% to 23.74% applies thereafter.

Annual Fee	$0
Purchase APR	0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR	14.99% to 23.74% variable
Welcome offer	$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Rewards	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases

U.S. Bank Cash+™ Visa Signature® Card

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$200
Welcome offer

• Info
• Pros & cons
• Details

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.

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.

• 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 $$200 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 13.99% to 23.99%.

Annual Fee	$0
Purchase APR	13.99% to 23.99% variable
Balance transfer APR	0% intro for the first 12 billing cycles (then 13.99% to 23.99% variable)
Welcome offer	$200 after spending $500 in the first 90 days
Rewards	5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases

Amazon Prime Rewards Visa Signature Card

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$100
Welcome offer

• Info
• Pros & cons
• Details

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.

• 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 $100 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.

Annual Fee	$0
Purchase APR	14.24% to 22.24% variable
Balance transfer APR	14.24% to 22.24% variable
Welcome offer	$100 Amazon Gift Card instantly upon approval
Rewards	5% back at Amazon.com, Whole Foods Market and Zappos, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases

Disclaimer

The information about Amazon Prime Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

Target REDcard™ Credit Card

Credit recommended (580-850) Read review

580
Min. credit score

$0
Annual fee

Up to 5%
Cash back

n/a
Welcome offer

• Info
• Pros & cons
• Details

Frequent shoppers at Target and Target.com should definitely consider this card. Each purchase made at the store gets a generous 5% discount, plus you get free two-day shipping at Target.com, an extended return and exchange window, additional discounts and access to exclusive products. The only drawback is that you can't use this card outside of Target.

• Discount. Purchases made at Target and Target.com with this card get 5% discount. This discounts stacks with other discounts through the Target Circle.
• Free shipping. Get two-day free shipping on most items purchased at Target.com.
• Additional discounts. You also get additional discounts, including 10% off on bookings through Hotels.com, 10% off on your card anniversary, 5% on specialty gift cards for travel, restaurants, movie tickets and more.
• No annual fee. You won't pay an annual fee to own the card.

Annual Fee	$0
Purchase APR	22.9% variable
Balance transfer APR	N/A
Welcome offer	N/A
Rewards	5% discount at Target stores and Target online

How to compare 5% cashback credit cards

This type of card usually offers 5% cash back on rotating categories every three months. Some cards let you choose which categories earn accelerated cash back and some offer the same cashback rate on up to two categories throughout the year. That’s why it’s important to consider the following:

• Do you want to earn 5% cash back on a variety of categories? If that’s the case, consider Chase Freedom Flex℠, which offers solid options each quarter from gas, groceries and wholesale clubs to digital wallet purchases of Apple Pay, Google Pay, Chase Pay and more.
• Do you want to choose which categories earn high cash back? With the U.S. Bank Cash+™ Visa Signature® Card, you get to choose which categories earn 5% and 2% back each quarter.
• Do you mostly buy things on Amazon? The Amazon Prime Rewards Visa Signature Card offers 5% back on all of your Amazon and Whole Foods Market purchases throughout the year.
• Do you often shop at Target? If you do, the Target REDcard™ Credit Card could be a solid choice. With each purchase made at Target and Target.com you get 5% discount, which stacks with any additional discounts you can get.

Bottom line

Finding a card that offers 5% cash back is a good perk to have. However, there are sometimes categories you have to manage and caps on the amount of cash back you can earn. If you’re not sure if any of these cards would be a good choice, take a look at other cashback credit cards and compare your options until you find the right card for your needs.
The 3 types of cashback credit cards, explained

Frequently asked questions

• What does 5% back in rewards mean?

  This means you get $5 back on every $100 you spend. A credit card with $1,500 cap on 5% cash back each quarter will earn you a maximum of $300 on these categories.

• Is there a minimum to redeem cash back?

  It depends, you can redeem either without a minimum or with a $25 minimum, depending on the card.