Best Cashback Credit Cards of 2019

Earn lucrative rewards with your card.

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If you’ve been looking for a rewards card, you’ve more than likely come across something called a cashback credit card. This is the most basic type of rewards card, easier to track points than travel rewards cards. And if you know how to use cashback cards to your advantage, you can see fantastic rewards.

Best cashback credit cards

Best cashback card for rotating categories: U.S. Bank Cash+™ Visa Signature® Card

Instead of a basic rotating category system, the U.S. Bank Cash+™ Visa Signature® Card lets you earn a higher cashback rate on your top two spending categories for that quarter, up to a cap of $2,000. After that, you’ll still earn 1% back on purchases in that category, making this a terrific rotating category card for flexibility (see rates & fees).

  • Earn cash back. Earn 5% cash back on two categories of your choosing on up to $2,000 in combined purchases each quarter you activate, then 1%. You’ll also earn unlimited 2% back on one everyday category of your choosing, like gas or groceries. For all other purchases, you’ll get 1% back.
  • Signup bonus. Score a $150 bonus after spending $500 on purchases in the first 90 days of card membership.
  • No annual fee. Pay no annual fee to own the card.

Compare more Visa cashback credit cards


Best cashback card for groceries: Blue Cash Preferred® Card from American Express

If you spend up to $6,000 a year on groceries alone, the Blue Cash Preferred® Card from American Express might be your cashback card of choice. It earns a sublime 6% back at US supermarkets on up to $6,000, reverting to 1% back after that.
  • Earn cash back. Earn 6% cash back at US supermarkets on up to $6,000 per year. After that, you’ll earn 1% back. You’ll also earn 6% on select US streaming services and 3% on transit purchases. At US gas stations you’ll earn 3% back. For everything else you buy, you’ll get 1% back.
  • Welcome offer. Get $250 in statement credit after spending $1,000 on purchases in the first three months of card membership.
  • Intro APR. Enjoy a 0% intro APR period on balance transfers and purchases for the first 12 months of account opening (see rates & fees). After that, a variable APR of 14.49% to 25.49% applies.

Compare more American Express cashback cards

Best cashback card for dining: Capital One® Savor® Cash Rewards Credit Card

This card offers a market-leading 4% cash back on dining. It also offers accelerated rewards on entertainment and at grocery stores. If you don’t want to pay an annual fee, consider the Capital One® Savor® Cash Rewards Credit Card or Uber Visa Card.
  • Earn cash back.
    Earn 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other spending.
  • Signup bonus.
    Earn a $300 cash bonus after you make $3,000 in purchases within the first 3 months of account opening.
  • $0 intro annual fee.
    After that, the annual fee is $95.

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Best cashback card for unlimited cash back: Citi® Double Cash Card

The Citi® Double Cash Card is a great choice if you want a simple “fire and forget” cash back card. This tried-and-true consumer favorite features one of the highest cash back rates among unlimited cash back cards and sports no annual fee to boot.

  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance.
  • Intro balance transfer APR. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 15.49% to 25.49% applies.
  • No annual fee. All of the card’s perks and benefits come without an annual fee.

Compare more 5% cash back credit cards

How we selected our top cards

When choosing our cashback picks, we looked at a few features, including cashback rate, cashback limitations, earning categories and any other perks that a consumer might find appealing in a cashback card. Those cards that outperformed the others in a given category were chosen for our list.

What’s changed in 2019

We previously listed the Uber Visa Card as the best cashback product for dining. Barclays recently revamped the card, offering a stellar 5% back on Uber, Uber Eats and JUMP spending but lowering the dining rate to 3%. That means the Capital One® Savor® Cash Rewards Credit Card now offers the highest cashback rate for foodies.

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Our pick for a cashback credit card

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
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See Rates & Fees

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
$150 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
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
$150 after spending $500 in the first 3 months
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
$0
Earn $150 after spending $500 in the first 3 months.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Unlimited 1.5% cash back. Rates & fees
See terms
See terms
See terms
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How do cashback cards work?

With a cashback credit card, your card provider pays you back a small portion of what you spend. For example, if it offers 1% cash back, you’ll receive $1 in rewards for every $100 you spend.

Despite the name, you don’t actually receive physical cash back for using this kind of card. Instead, you can redeem your cash back as statement credit, deposits into your bank account or other items such as merchandise and gift cards.

Depending on the issuer, your card provider may redeem cash back for you automatically, applying it to your account as statement credit. Some providers require you to have a minimum amount of cash back before you can redeem — often $25 or more.

While the opportunity to earn cash back may sound appealing, cashback credit cards aren’t for everyone. Still, this type of card can serve you well if you carefully choose the right product.

  1. Decide whether a cashback card is the right choice.
    A cashback credit card may be a good fit if you want rewards that are easy to redeem and you’re okay with not having top-of-the-line perks such as travel credits and elite status in loyalty programs. If you want a card with more features, consider a premium travel card.
  2. Decide if you want to pay an annual fee.
    Cards with the highest cashback rates may have annual fees. However, you can find many excellent cashback cards with no annual fees. If you decide to pay this cost, consider whether you’ll earn enough rewards to cover what you pay.
  3. Analyze your spending and find a rewards structure that fits.
    Think about what you typically spend on. If your spending is concentrated in certain categories, you might like a card that offers bonus rewards for those purchases. If you spend relatively evenly throughout many categories, a flat-rate cashback card might fit the bill. This is a card that offers the same cashback rate on all purchases, no matter the category.
  4. Look at other benefits.
    When you’ve narrowed your potential picks, look into other features such as signup bonuses, 0% intro APRs and no foreign transaction fees. You may be able to easily pick a winner among cards that are seemingly identical.
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    Read more about cashback credit cards

    Kevin Chen

    Kevin Chen
    Credit Cards Writer

    Hi, I’m Kevin! I think a cashback card — especially one that offers flat-rate rewards — is an excellent choice to start out with. I still have mine and use it every week. Here are a few articles that’ll give you the scoop on cashback products.
    
    

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