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Compare 1.5% cashback credit cards

Earn flat cash back on everything you buy without paying an annual fee.

Our pick for unlimited 1.5% cash back: Chase Freedom Unlimited®

Up to 5%

Cash back

  • Up to 5% cashback and an impressive 1.5% base cashback rate
  • 15 months of intro APR on purchases
  • No annual fee
Apply now

A 1.5% cashback card means you earn $1.50 for every $100 spent on all purchases. This is the industry standard that’s offered by major card issuers, such as American Express, Chase, Capital One and Wells Fargo. Because 1.5% is the average cashback rate, it’s best to choose a card that has additional major perks, such as an intro APR or balance transfer offer.

At first glance, 1.5% cash back may not sound like a lot, but it adds up. For example, spend $20,000 in one year and you earn $300 back. This is often the ideal cashback type for those who don’t want the hassle of tracking rewards with multiple credit cards. Plus, you often get to earn a signup bonus worth up to $200, a long 0% intro APR period on purchases and what’s most important — there’s no annual fee.

Compare 1.5% cash back credit cards

All of the cards in this comparison table are at least 1.5% cash back or more. Use the filters to compare products and find the one that fits your spending needs.

Name Product Filter values Rewards Purchase APR Annual fee
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
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.
Petal® 2
1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants
12.99% to 26.99% variable
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
American Express Cash Magnet® Card
1.5% cash back on all purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
With 1.5% cashback as statement credit on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. All information about this card has been collected independently by Finder.
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49% to 25.49% variable)
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® QuicksilverOne® Cash Rewards Credit Card
1.5% cash back on all purchases
22.99% variable
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
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How to choose 1.5% cashback credit cards

At first glance, all 1.5% cashback cards look similar. But there are nuances that make each card a better fit for one person and a not-so-ideal choice for another. Keep these things in mind:

  • Credit card pairing. Those who want to maximize credit card rewards shouldn’t stop with a single card. Many cardholders combine multiple cards to squeeze as much value as possible. Examples include the Chase trifecta and the Amex trifecta where you combine three specific credit cards, one of which is a 1.5% cashback card. You can still combine cards that don’t fall in one of the trifectas, but they all must have different cashback rates.
  • Intro APR period. Almost every 1.5% cashback card comes with a 0% intro APR period on purchases. Depending on the card, this could be either 12 or 15 months. Consider this an interest-free loan to make a big-ticket purchase and carry the balance for the duration of the intro period. Plus, you get to earn cash back on that purchase.
  • Signup bonus. This is another benefit that almost every card of this type has. The difference here is the amount you can earn — either $150 or $200. The Chase Freedom Unlimited® is the unicorn here because it offers an additional bonus. Maxing out the two bonuses can earn you a massive $800.
  • Additional perks. Intro APR period on balance transfer was a regular perk with this type of card. But after the pandemic hit, only a few have managed to keep it. This is often an overlooked benefit. A balance transfer can help you pay off another debt that has high interest. The Wells Fargo Cash Wise Visa® Card is one of the rare that offers this perk.

Should I get a 1.5% cashback card?

Yes, if you don’t want to keep track of reward categories or if you want to use it in addition to another type of cashback card. This will help you earn rewards on all purchases. But if you want to have one cashback card and you’re willing to put in the effort to track things like rotating categories, a 5% cashback card on rotating categories may offer a better value.

As an alternative, there are 2% cashback cards, which are most similar to 1.5% cards. But which of the two is the better option depends on your needs and patience.

Features1.5% card2% card
Cash back earned on a $20,000 annual spending$300 cash back$400 cash back
0% intro APR period on balance transfersRare (up to 15 months)Rare (up to 18 months)
0% intro APR period on purchasesUp to 15 monthsNo
Signup bonusUp to $200No
Annual fee$0$0

Bottom line

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.

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