The Choice Is Yours With 2021’s Best Cash Back Credit Cards

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    A cash back credit card earns you cash rewards – usually around 1% to 2% but sometimes more – on every purchase. Compare these deals, from our partners, to find the one for you.

    A cash back credit card earns you cash rewards – usually around 1% to 2% but sometimes more – on every purchase. Compare these deals, from our partners, to find the one for you.

    Show summary

    Excellent for

    Flat Rate Cash Back

    on Citibank’s application

    Citi(R) Double Cash Card – 18 month BT offer

    5.0

    NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

    on Citibank’s application

    Annual Fee

    Regular APR

    13.99% – 23.99% Variable APR

    Intro APR

    0% intro APR on Balance Transfers for 18 months

    Recommended Credit Score
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

    • To earn cash back, pay at least the minimum due on time.

    • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.

    • Balance Transfers do not earn cash back.

    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

    • The standard variable APR for Citi Flex Plan is 13.99% – 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

    on Citibank’s application

    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

    • To earn cash back, pay at least the minimum due on time.

    • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.

    • Balance Transfers do not earn cash back.

    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

    • The standard variable APR for Citi Flex Plan is 13.99% – 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

    on Citibank’s application

    Pros

    • High rewards rate
    • No annual fee
    • Intro APR period on Balance Transfers

    Cons

    • No sign-up bonus
    • No 0% APR for purchases
    • $25 minimum redemption

    Excellent for

    Everyday Spending

    Blue Cash Preferred(R) Card from American Express

    5.0

    NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

    Annual Fee

    $0 intro for the first year, then $95

    Regular APR

    13.99% – 23.99% Variable APR

    Intro APR

    0% intro APR on Purchases for 12 months

    Recommended Credit Score
    • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.

    • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.

    • $0 intro annual fee for the first year, then $95.

    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

    • 6% Cash Back on select U.S. streaming subscriptions.

    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

    • 1% Cash Back on other purchases.

    • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.

    • Plan It(R) gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.

    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

    • Terms Apply.

    • View Rates and Fees

    on American Express’s website

    • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.

    • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.

    • $0 intro annual fee for the first year, then $95.

    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

    • 6% Cash Back on select U.S. streaming subscriptions.

    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

    • 1% Cash Back on other purchases.

    • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.

    • Plan It(R) gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.

    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

    • Terms Apply.

    • View Rates and Fees

    on American Express’s website

    Pros

    • Leading cash-back rewards at U.S. supermarkets
    • Rich bonus offer for new cardholders
    • Intro APR period on Purchases

    Cons

    • Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • $25 minimum redemption

    Excellent for

    Cash-Back Pairing with Chase Sapphire Preferred(R)

    on Chase’s website

    Chase Freedom Unlimited(R)

    5.0

    NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

    on Chase’s website

    Annual Fee

    Regular APR

    14.99% – 23.74% Variable APR

    Intro APR

    0% intro APR on Purchases for 15 months

    Recommended Credit Score
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    • Earn unlimited 1.5% cash back on all other purchases.

    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.

    • No annual fee.

    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.

    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

    on Chase’s website

    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    • Earn unlimited 1.5% cash back on all other purchases.

    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.

    • No annual fee.

    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.

    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

    on Chase’s website

    Pros

    • High rewards rate and no minimum redemption
    • No annual fee
    • Intro APR period on Purchases

    Cons

    • Has foreign transaction fee
    • Requires good/excellent credit

    Excellent for

    Customizable rewards

    on Bank of America’s website, or call (877) 754-6706

    Bank of America(R) Customized Cash Rewards credit card

    4.5

    NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

    on Bank of America’s website, or call (877) 754-6706

    Annual Fee

    Regular APR

    13.99% – 23.99% Variable APR

    Intro APR

    0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

    Recommended Credit Score
    • No annual fee

    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

    • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

    • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% – 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers

    • No expiration on rewards

    • If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

    • Contactless Cards – The security of a chip card, with the convenience of a tap

    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

    on Bank of America’s website, or call (877) 754-6706

    • No annual fee

    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

    • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

    • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% – 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers

    • No expiration on rewards

    • If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

    • Contactless Cards – The security of a chip card, with the convenience of a tap

    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

    on Bank of America’s website, or call (877) 754-6706

    Pros

    • No annual fee
    • Cash bonus offer
    • Cash rewards

    Cons

    • If you’re a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards

    Excellent for

    Bonus Categories and First Year Cashback Match

    on Discover’s website, or call (800) 347-0264

    Rates & Fees

    Discover it(R) Cash Back

    4.8

    NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

    on Discover’s website, or call (800) 347-0264

    Rates & Fees

    Annual Fee

    Regular APR

    11.99% – 22.99% Variable APR

    Intro APR

    0% intro APR for 14 months on purchases and balance transfers

    Recommended Credit Score
    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

    • Plus, earn unlimited 1% cash back on all other purchases – automatically.

    • Redeem cash back in any amount, any time. Rewards never expire.

    • Use your rewards at Amazon.com checkout.

    • #1 Most Trusted Credit Card according to Investor’s Business Daily.

    • No annual fee.

    • Discover is accepted nationwide by 99% of the places that take credit cards.

    • View Rates and Fees

    on Discover’s website, or call (800) 347-0264

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

    • Plus, earn unlimited 1% cash back on all other purchases – automatically.

    • Redeem cash back in any amount, any time. Rewards never expire.

    • Use your rewards at Amazon.com checkout.

    • #1 Most Trusted Credit Card according to Investor’s Business Daily.

    • No annual fee.

    • Discover is accepted nationwide by 99% of the places that take credit cards.

    • View Rates and Fees

    on Discover’s website, or call (800) 347-0264

    Pros

    • Cash back match at the end of your first year
    • Bonus cash back categories
    • No annual fee
    • Intro APR period on Purchases and Balance Transfers

    Cons

    • Slightly less merchant acceptance for Discover in US – acceptance outside of US can be an issue
    • If you value simplicity, a flat rate cash back card may be better

    Excellent for

    Low Intro APR and No Annual Fee

    on Chase’s website

    Chase Freedom FlexSM

    5.0

    NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

    on Chase’s website

    Annual Fee

    Regular APR

    14.99% – 23.74% Variable APR

    Intro APR

    0% intro APR on Purchases for 15 months

    Recommended Credit Score
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.

    • No annual fee.

    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.

    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

    on Chase’s website

    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.

    • No annual fee.

    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.

    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

    on Chase’s website

    Pros

    • No annual fee
    • 5% rewards on rotating categories
    • Access to Chase’s Ultimate Rewards(R) site to earn more cash back

    Cons

    • If you value simplicity, a flat-rate cash-back card may be better
    • A foreign transaction fee
    Credit Card NerdWallet Rating

    NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

    Intro APR Regular APR Annual Fee Learn More

    Citi(R) Double Cash Card – 18 month BT offer

    on Citibank’s application

    Excellent for Flat Rate Cash Back

    0% intro APR on Balance Transfers for 18 months

    13.99% – 23.99% Variable APR

    $0

    on Citibank’s application

    Blue Cash Preferred(R) Card from American Express

    on American Express’s website

    Excellent for Everyday Spending

    0% intro APR on Purchases for 12 months

    13.99% – 23.99% Variable APR

    $0 intro for the first year, then $95

    on American Express’s website

    Chase Freedom Unlimited(R)

    on Chase’s website

    Excellent for Cash-Back Pairing with Chase Sapphire Preferred(R)

    0% intro APR on Purchases for 15 months

    14.99% – 23.74% Variable APR

    $0

    on Chase’s website

    Bank of America(R) Customized Cash Rewards credit card

    on Bank of America’s website, or call (877) 754-6706

    Excellent for Customizable rewards

    0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

    13.99% – 23.99% Variable APR

    $0

    on Bank of America’s website, or call (877) 754-6706

    Discover it(R) Cash Back

    on Discover’s website, or call (800) 347-0264

    Excellent for Bonus Categories and First Year Cashback Match

    0% intro APR for 14 months on purchases and balance transfers

    11.99% – 22.99% Variable APR

    $0

    on Discover’s website, or call (800) 347-0264

    Chase Freedom FlexSM

    on Chase’s website

    Excellent for Low Intro APR and No Annual Fee

    0% intro APR on Purchases for 15 months

    14.99% – 23.74% Variable APR

    $0

    on Chase’s website

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