Best cash back credit cards for excellent credit

14 May 2019

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Put your high credit score to use with these cards.

With an excellent credit score, your credit card choices are nearly limitless. To find the right one, consider where you spend the most, how much you value welcome offers and whether or not you need an intro APR period.

Our pick for a cashback card for excellent credit

Blue Cash Preferred® Card from American Express

Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
NEW 6% cash back on select U.S. streaming subscriptions.
NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
$95 annual fee.
Terms apply.

Read less

See Rates & Fees

Compare cashback credit cards

Name	Rewards	Purchase APR	Annual Fee
Chase Freedom Unlimited®	3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases	17.24% to 25.99% variable	$0	Apply now View details	Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.	Compare	loading Fetching your data...
Chase Freedom®	5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases	17.24% to 25.99% variable	$0	Apply now View details	0% intro APR for 15 months from account opening on purchases and balance transfers.	Compare	loading Fetching your data...
Blue Cash Preferred® Card from American Express	6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases	15.24% to 26.24% variable	$95	Apply now View details	Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express	3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases	15.24% to 26.24% variable	$0	Apply now View details	Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees	Compare	loading Fetching your data...
American Express Cash Magnet® Card	Earn unlimited 1.5% cash back on your purchases	15.24% to 26.24% variable	$0	Apply now View details	Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees	Compare	loading Fetching your data...
Discover it® Cash Back	5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases	14.24% to 25.24% variable	$0	View details	Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.	Compare	loading Fetching your data...
NHL Discover it® Card	5% cash back on up to $1,500 in rotating categories you activate each quarter and 1% cash back on all other purchases	14.24% to 25.24% variable	$0	View details	Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases — automatically.	Compare	loading Fetching your data...
Citi® Double Cash Card	1% cash back when you make purchases and 1% cash back when you pay off your card	15.74% to 25.74% variable	$0	View details	Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi	4% at gas stations on up to $7,000 annually, then 1%. 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	17.24% variable	$0	View details	Earn Costco cash rewards everywhere Visa® is accepted.	Compare	loading Fetching your data...
Savor® Rewards from Capital One®	Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.	16.74%, 22.24% or 25.74% variable	$0 intro annual fee for the first year ($95 thereafter)	View details	Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.	Compare	loading Fetching your data...
Quicksilver® from Capital One®	1.5% cash back on all purchases	16.24%, 22.24% or 26.24% variable	$0	View details	Earn unlimited 1.5% cash back on every purchase, every day	Compare	loading Fetching your data...
Bank of America® Cash Rewards credit card	3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1% after that and on everything else	16.24% to 26.24% variable	$0	View details	Earn more cash back for the things you buy most.	Compare	loading Fetching your data...
Susan G. Komen® Cash Rewards Visa®	3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1% after that and on everything else	16.24% to 26.24% variable	$0	View details	Earn 2% cash back at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter. After that and on everything else earn 1% cash back.	Compare	loading Fetching your data...
MLB® Credit Card	3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1% after that and on everything else	16.24% to 26.24% variable	$0	View details	1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter.	Compare	loading Fetching your data...
World Wildlife Fund Credit Card	3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1% after that and on everything else	16.24% to 26.24% variable	$0	View details	Maximize your cash back by choosing how you earn rewards, while you help protect nature's future with $150 online cash rewards bonus offer	Compare	loading Fetching your data...
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card	3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $ in combined purchases each quarter, then 1% after that and on everything else	15.49% to 25.49% variable	See terms	View details	Earn a $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.	Compare	loading Fetching your data...
Uber Visa Card	2% back on dining, 3% back on travel, 2% back on online purchases and 1% back on everything else	17.24%, 22.99% or 25.99% variable	$0	View details	Get 4% back on dining, 3% on travel, 2% on Uber rides and online shopping and 1% on other purchases, and redeem for Uber credits, gift cards or cash back.	Compare	loading Fetching your data...
Fidelity® Rewards Visa Signature® Card	2x points on all purchases	16.24% variable	$0	View details	Earn unlimited 2% cash back on on all purchases, with no annual fee.	Compare	loading Fetching your data...
U.S. Bank Cash+™ Visa Signature® Card	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	16.24% to 25.74% variable	$0	Apply now View details	When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees	Compare	loading Fetching your data...
U.S. Bank Cash 365™ American Express® Card		16.24% to 25.74% variable	$0	View details	Earn unlimited 1.5% cash back. Plus, earn a $150 cash back bonus after spending $500 within the first 90 days of account opening.	Compare	loading Fetching your data...
PenFed Power Cash Rewards Visa Signature® Card	2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases	11.99% to 17.99% variable	$0	View details	2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.	Compare	loading Fetching your data...
Ducks Unlimited Rewards Visa®	5% cash back on sporting goods store & gas purchases. 1% cash back on other purchases.	20.99% variable	$0	View details	Unlimited 5% cash back on sporting goods, store and gas purchases.	Compare	loading Fetching your data...
PayPal Cashback Mastercard®	Turn your everyday purchases into 2% cash back with the PayPal Cashback Mastercard®	22.24%, 26.24% or 29.24% variable	$0	View details	Turn your everyday purchases into 2% cash back with the PayPal Cashback Mastercard®	Compare	loading Fetching your data...
Amazon Rewards Visa Signature Card	Get rewarded for every purchase, including 3x back at Amazon.com	16.49% to 24.49% variable	$0	View details	Earn rewards everywhere you shop. No annual credit card fee and no foreign transaction fees.	Compare	loading Fetching your data...
Alliant Cashback Visa® Signature Credit Card	3% cash back on all purchases your first card year, then 2.5% cash back on all purchases starting your second card year	12.49% to 15.49% variable	$0 intro annual fee for the first year ($99 thereafter)	View details	3% cash back on all purchases your first card year, then 2.5% cash back on all purchases starting your second card year.	Compare	loading Fetching your data...
Blispay	Blispay gives you 2% cash back on all purchases via an automatic statement credit each statement period.	19.99% fixed	intro annual fee for the first year ($0 thereafter)	View details	Blispay gives you 2% cash back on all purchases via an automatic statement credit each statement period.	Compare	loading Fetching your data...
USAA® Cashback Rewards Plus American Express® Card	5% cash back on up to $3,000 in combined annual gas and military base purchases, 2% on up to $3,000 in annual supermarket purchases and 1% on all other purchases	14.15% to 28.15% variable	$0	View details	Earn 5% cash back on the first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on the first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases.	Compare	loading Fetching your data...

Compare up to 4 providers

Best cashback credit cards for excellent credit

Depending on which card you choose, you could earn accelerated cash back on groceries, gas, travel or dining. And in most cases you won’t pay an annual fee.

Jump to …

Blue Cash Preferred® Card from American Express
Citi® Double Cash Card
Discover it® Cash Back
Uber Visa Card

Blue Cash Preferred® Card from American Express

Apply now

Get this card if: You look for best credit card for families.

Families that spend at least $100 per week on groceries will find the Blue Cash Preferred® Card from American Express to be a valuable addition to their wallets. The card lets you earn the highest cashback rate at US supermarkets, plus you get a decent cash back rate at US gas stations. The new earning categories of streaming services and transit purchases only sweeten the deal.

You can also earn a welcome offer — and if you’re looking to consolidate your debt, an intro APR period is available.

- Cash back.
  Earn 6% back on up to $6,000 annually in purchases made at US supermarkets, and 1% back after that. Also, earn 3% back on purchases made at US gas stations, 6% on select US streaming services, 3% on transit purchases, and 1% back on all other purchases. Wholesale club and superstore purchases won’t count towards the 6% or 3% categories.
- Welcome offer.
  Spend $1,000 on purchases within your first 3 months of card membership to earn a $250 bonus as a statement credit.
- Intro APR period.
  Get a 0% intro APR period on balance transfers and purchases for 12 months following your account opening. A variable APR of 15.24% to 26.24% applies after that.
- Entertainment access.
  Get access to ticket presales and events in cities near you.

Best American Express card offers

Citi® Double Cash Card

Get this card if: You look for unlimited cash back on all purchases.

The Citi® Double Cash Card can be a great choice if you don’t spend much on any particular category. On every purchase you make, you earn flat cash back. Plus, you get one of the longest intro APR periods on balance transfers, which can be ideal if you’re looking to consolidate your debt.

- Cash back.
  Every time you make a purchase, earn 1% back. Earn an additional 1% back when you pay your balance for double cash back.
- Intro APR period on balance transfers.
  Use 18 months following your account opening of 0% intro APR on balance transfers. After the intro period passes, a variable APR of 15.74% to 25.74% applies.
- Citi Private Pass.
  Get special access when you want to buy presale tickets or VIP packages for concerts, sports events, dining and more.
- No annual fee.
  You get to earn cash back and enjoy perks without paying an annual fee.

Discover it® Cash Back

Get this card if: You look for high welcome bonus.

If you value card bonuses, consider the Discover it® Cash Back card. Instead of the standard cash bonus, the card doubles all of the cash back you earn during your first 12 months of card membership, without any limit. Maxing out the 5% categories alone could net you $300 cash back.

- Cashback Match.
  At the end of your first year, Discover will match all cash back you earned. This means if you earned $500 in cash back for your first year, you’ll get a bonus of $500.
- Cash back.
  Earn 5% cash back on quarterly rotating categories, such as gas, grocery stores, dining, wholesale clubs and Amazon.com purchases. Note that you’ll have to activate the bonus category every three months to earn at this rate. You’ll earn 1% in the bonus category if you don’t activate your rewards, and you’ll earn 1% on all other purchases.
- Intro APR period.
  Get a 0% intro APR period on purchases and balance transfers for 14 months following your account opening. Once the intro period passes, your rate reverts to a variable 14.24% to 25.24%.
- Free FICO score.
  Monitor your FICO score on your monthly statement or online for free.
- No annual fee.
  There’s no annual fee to own the card or take advantage of its benefits.

Discover cash back categories 2018 – 2019

Best for dining and travel: Uber Visa Card

Get this card if: You spend in dining and travel.

If you often dine out, travel or stream music and videos on the go, the Uber Visa Card might be for you. For a no-annual-fee card, you get one of the highest cashback rates on these categories, a decent signup bonus and an online subscription credit once you meet certain spending criteria.

- Cash back.
  Earn 4% cash back on restaurants, takeout, bars and Uber Eats; and 3% back on hotels, home rentals and airfare. On Uber rideshares, online shopping and video and music streaming services, you get 2% back. On all other purchases, get 1% back.
- Signup bonus.
  Spend $500 on purchases during your first 90 days of card membership and earn a $100 bonus.
- $50 subscription credit.
  If you spend $5,000 or more on purchases during a calendar year, you can earn a $50 credit for online subscription services. These can include Apple Music, Spotify, Google Music, Amazon Music, Netflix, HBO NOW, Amazon Prime and more.
- No foreign transaction fees.
  You won’t pay any foreign transaction fees when you use this card outside of the US. And since it’s a Visa card, it’s more widely accepted than Discover or Amex cards.
- No annual fee.
  Despite having generous cashback rates and additional bonuses, the card has no annual fee.

Compare cash back credit cards with no foreign transaction fees

How to compare cashback credit cards for excellent credit

To find the right cashback credit card, consider the following:

Do you spend a lot on a particular category? For groceries and gas, the Blue Cash Preferred® Card from American Express could be the right choice. The Uber Visa Card might suit you best if you make frequent travel and dining purchases.
Do you spend fairly evenly across categories? Consider the flat-rate Citi® Double Cash Card.
Do you value welcome offers more than anything else? The Discover it® Cash Back card offers what’s potentially the highest welcome offer of any no-annual-fee cashback credit card. But the amount you get depends on how much you spend during your first year of card membership.

How we selected our top cards

When choosing our top picks for cashback cards for excellent credit, we looked at a number of card features across available cards, including welcome offer value, cashback reward categories, cashback per dollar spent, annual fee, intro 0% APRs and other factors a consumer might consider in a cashback card. The cards with exemplary performance in one or several of these areas or that fulfilled a certain niche earned a spot on our highlights.

What’s changed in 2019

The Fidelity® Rewards Visa Signature® Card was a strong contender for the unlimited cash back on all purchases category. It offers the same cashback rate as the Citi Double Cash, plus it comes with more redemption options for your earnings. However, the Double Cash remains a top pick due to its long intro APR period.

Bottom line

With excellent credit, the doors to almost any credit card are wide open. Depending on your spending habits and needs, your choices include flat cash back on all purchases, accelerated earning on groceries and gas, a card ideal for travel and dining or a card with rotating categories and a generous welcome offer.

But if you don’t like any of these cards, look at other cashback credit cards to compare your options.

Frequently asked questions

Rates and fees

See rates and fees for Blue Cash Preferred® Card from American Express

Kliment Dukovski

Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.

Was this content helpful to you? No Yes

Ally CashBack Credit Card review Top 4% cash back credit cards

Ask an Expert

Click here to cancel reply.

Display Name

Your Email (will not be published)

Your Question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

Transfer a balance and save on interest

Find the best personal loan offer

Find the best mortgage rates and offers

Guides

Brands

Balance Transfer Calculator

Best cash back credit cards for excellent credit

Put your high credit score to use with these cards.

Our pick for a cashback card for excellent credit