With so many 1.5% cashback credit cards out there, it can be hard to choose just one. Most offer unlimited cashback as their primary feature alongside other perks like a signup bonus, an intro APR period on purchases and balance transfers and no annual fee.
Other benefits set these cards apart like cell phone protection or no foreign transaction fees. Decide what features you need to make these cashback cards worth it.
Consider these 1.5% cashback credit cards
When choosing a 1.5% cashback card, you might come across options with additional perks on top of unlimited cash back. Take a look at the selection of cards below to get an idea of what features you might like.
Get this card if: You want to earn in categories on top of your 1.5% basck.
If you want to earn rewards on top of your unlimited 1.5% cashback rate, consider the Chase Freedom Unlimited®. With strong cashback categories, a signup bonus, a long intro APR period on purchases and no annual fee you could benefit from this card.
High travel value. To get the highest travel value with this card, pair it with the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®. Use the Chase Freedom Unlimited® for purchases where the other two cards would earn you 1% back and transfer your earnings to either of the two cards to get 25% more value for travel redemption through Chase Ultimate Rewards.
Signup bonus. Earn a $200 cash bonus when you spend $500 in your first 3 months of card membership, plus earn 5% cash back at grocery stores on up to $12,000 in the first year.
Cash back. Earn 5% cash back on travel through Chase Ultimate Rewards and on Lyft through March 2022 and 3% back at restaurants and drugstores. You’ll get unlimited 1.5% back on everything else. Redeem your earnings for cash, gift cards, Amazon.com purchases or for travel.
Intro APR period. Get a intro APR on purchases for following your account opening. Once the intro period passes, your rate reverts to an APR of 14.99% to 23.74% variable.
No annual fee. You get all the perks and benefits without paying an annual fee.
Wells Fargo Cash Wise Visa® Card
Get this card if: You’d like cell phone protection.
You can earn 1.5% cash back on everything you buy with a number of cards. But if you’re looking to protect your cell phone against theft or damage, then the Wells Fargo Cash Wise Visa® Card is likely the way to go.
You’ll also get a generous signup bonus that beats similar cards, a long intro APR period on balance transfers and purchases and a whole set of security and protection features without paying an annual fee.
Cell phone protection. Pay your cell phone bill with this card and get protection against loss or theft of your phone up to $600, with a maximum of two claims per year.
Signup bonus. Spend $500 on purchases within the first 3 months of your account opening and get a $150 bonus.
Cash back. Earn 1.5% back on everything you buy. Use your card with Google or Apple Pay and get 1.8% back during the first 12 months of card membership.
Intro APR period. Use the 0% intro APR period on purchases and balance transfers for the first 15 months from your account opening. After that, the rate reverts to a variable APR of 13.99% to 25.99%.
No annual fee. You won’t pay an annual fee for this card.
There are at least a dozen 1.5% cash back credit cards. But which one fits your needs depends on what you’re looking for as an added feature.
High welcome offer. The American Express Cash Magnet® Card and the Wells Fargo Cash Wise Visa® Card could be a good choice if you’re looking for a welcome offer.
Travel value. Those who frequently travel could use either the Chase Freedom Unlimited® with decent redemption options through Chase Ultimate Rewards when paired with other Chase credit cards, or the Capital One® Quicksilver® Cash Rewards Credit Card for international travel as it has no foreign transaction fees.
Balance transfers. If you’re looking to make a balance transfer, the Wells Fargo Cash Wise Visa® Card might be a good fit.
If you’re looking for a simple 1.5% cash back credit card, any of these cards could be a great choice. Aside from earning unlimited cash back, you get a solid signup bonus, long intro APR period on purchases, and with some of these cards, you get cell phone protection, no foreign transaction fees and more.
But if you’re not sure whether any of these cards would work for you, consider looking for more generous cashback cards like the Citi® Double Cash Card where you get 1% back on purchases, and an additional 1% once you pay your balance.
Frequently asked questions
This means that on every purchase you make, you get 1.5% back of the purchase. So for every $1,000 spent with your card, you earn $15 back.
No, the cards on this page do not have annual fees.
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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