Top 1.5% cash back credit cards | finder.com
A couple paying with credit card

Top 1.5% cashback credit cards — December 2018

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.

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

With so many 1.5% cashback credit cards out there, it’s hard to find the best one for you. 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.

Our pick for 1.5% cash back

Chase Freedom Unlimited®

  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99 to 25.74%
  • Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Read less
Read more
Promoted

Compare 1.5% cash back credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
13.90% to 27.90% variable
Earn 1.5% cash back on every purchase with no limits or category restrictions. Pay no annual fee, no penalty APR and no foreign transaction fees.
$0
14.74%, 22.74% or 26.74% variable
0% for the first 15 months (then 14.74%, 22.74% or 26.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day

Compare up to 4 providers

Best 1.5% cashback credit cards

Jump to …

Best welcome offer: American Express Cash Magnet™ Card

American Express Cash Magnet™ Card

  • Earn up to $250 back. Here’s how: 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.
  • Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
  • Unlimited 1.5% cash back on your purchases.
  • Cash back is received in the form of reward dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • With Plan ItSM, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
  • Over 1.5 million more places in the US started accepting American Express® Cards in 2017.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Read less
Read more
Promoted
The American Express Cash Magnet™ Card can be a solid choice if you’re looking for the biggest signup bonus from a 1.5% cashback card. During your first year, your signup bonus can accelerate your rewards up to 4.8% cashback.

You also get one of the longest intro APR period on purchases and balance transfers, purchase protection, road and global assistance and travel insurance.

Best for balance transfers: Quicksilver® from Capital One®

Quicksilver® from Capital One®

Earn unlimited 1.5% cash back on every purchase, every day

Promoted
Enjoy a long intro APR period on balance transfers with the Quicksilver® from Capital One®. The card also offers unlimited cash back on all purchases, has an easy-to-earn signup bonus and no foreign transaction fees.

Best for traveling within the US: Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99 to 25.74%
  • Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Read less
Read more
Promoted
If you frequently travel within the US and you want a simple credit card to earn unlimited rewards on your purchases, consider the Chase Freedom Unlimited®. With a solid signup bonus, a long intro APR period on balance transfers and purchases and no annual fee you could benefit from this card.

Best for cell phone protection: Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

$200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months.

Promoted
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.

How to compare 1.5% cash back credit cards

There are at least a dozen 1.5% cash back credit cards. But which one is the best for you 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 would be the best choice if you’re looking to get the highest 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 Quicksilver® from Capital One® for international travel as it has no foreign transaction fees.
  • Balance transfers. All four credit cards have a long intro APR period on balance transfers, but the best choice could be either the Quicksilver® from Capital One® or the American Express Cash Magnet™ Card. Both cards offer long intro APR periods and both cards have 3% fee of the amount of each transfer.

What are cashback credit cards and how do they work?

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 balance transfers and 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

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

Was this content helpful to you? No  Yes

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

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.

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site