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Cashback credit cards

Take advantage of flexible rewards with a card that fits the way you live.

Compare cashback credit cards

Want to compare cashback cards? Use our filter under "Refine results" and select up to 4 cards to start sizing up your choices side-by-side.

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $3,000 in the first 6 months
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 (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% cashback as statement credit on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
$200 statement credit after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
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.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months
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
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
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The best cashback credit cards of 2021

Want to know which cashback credit cards stand above the rest? Finder ranked the top 10 cashback credit cards to give you a leg up on adding value to your wallet.

How to compare cashback credit cards

There are a few particular features you’ll want look at when comparing two cashback credit cards.

  • Earning rates. Earning rates on all three types of cashback credit cards can vary wildly, even between two cashback cards of the same type. Keep an eye out for unusual categories or the presence of categories not typically found on a certain type of cashback credit card (like the Chase Freedom Unlimited).
  • Signup bonus. Signup bonuses are modest if not nonexistent on many cashback cards, so the presence of one is noteworthy.
  • Intro APR. An intro APR on a cashback card offers some great upfront value if you can take advantage of it.
  • Annual fee. If a cashback card has an annual fee, make sure the rewards or features can make up for the cost of the card.

The three types of cashback cards explained

There are three types of cashback cards:

1. Flat rate cashback cards

These simple cards earn the same percentage for nearly every type of purchase. The average flat rate cashback card earns 1.5% back on each purchase, though the highest you can find on the market is 2% back.

2. Tiered cashback cards

Tiered cards earn higher cashback on specific categories than you could earn with a flat rate cashback card. Typical categories include everyday spending areas such as gas and groceries. These cards can earn anywhere from 3% to to 6% cashback on the bonus categories, though the most lucrative categories often have annual earning caps. Anything purchased that isn’t included as part of a tiered category will earn you just 1% back.

3. Rotating category cards

These cards earn up to 5% on select categories that change each quarter. These categories also typically feature earning caps, though they refresh during the category change each quarter. Like the tiered cashback cards, you’ll earn 1% on any spending outside the bonus categories.

Compare cashback cards by credit card network or bank

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How to pair cashback cards to create an earning strategy

The secret to really ramping up your cash back is to create a credit card earning strategy. Put simply, you want to own several cashback cards of differing types. When making purchases, use whatever card will earn you the biggest cash back on that specific purchase based on your cashback credit card arsenal. Ideally, you’ll have two or three cashback cards that can cover any reward category “gaps” that you might otherwise have with just one or two cards. A great example of this strategy is the Chase Trifecta, though you can create a pairing strategy with a variety of credit cards.

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Cashback cards by credit score

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Bottom line

Cashback cards are pretty easy to understand and a great way to dip your toes into earning rewards with a credit card.

Consider your spending to figure out which kind of card might reward you most. Then, compare your cashback options to find the best product for you.

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