best cash back credit card
Our pick for Bonus categories — groceries and gas + no annual fee. But the rewards do ultimately leave you with more cash in your pocket. Cash Back: A maximum of 10% cash back on dining, education, supermarket, and telecom spends Apply Now FAB Abu Dhabi Platinum Credit Card. All other purchases earn 1% back. Flat-rate cash-back cards give you a set percentage of cash back regardless of what you buy with the card. The Chase Freedom Flex℠ offers rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus generous bonus opportunities for new cardholders. The $0-annual-fee Ink Business Unlimited® Credit Card is an ideal choice. Here are a few of the factors we look at … To earn cash back, pay at least the minimum due on time. The Capital One Quicksilver Cash Rewards Credit Card offers a compelling combination of a good rewards rate, redemption flexibility, sign-up bonus and introductory 0% APR period. Most cash-back credit cards keep a running total of the rewards you’ve earned in the past year, so log in to your account and check your statements after a year to make sure it’s worth it to pay the annual fee again. Keep in mind that most cash-back credit cards require applicants to have good to excellent credit – usually indicated by a credit score above 700, and sometimes even higher. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. 13 Best Cash-Back Credit Cards – Reviews & Comparison, 8 Best Low APR Interest Credit Cards – Reviews & Comparison, 18 Best Travel Rewards Credit Cards – Reviews & Comparison, 15 Best Hotel Rewards Credit Cards – Reviews & Comparison, 11 Best Gas Credit Cards – Reviews & Comparison, 12 Best Credit Cards for College Students – Reviews & Comparison, 22 Best Small Business Credit Cards – Reviews & Comparison, 10 Best Secured Credit Cards to Rebuild Credit – Reviews & Comparison. Our pick for: Flat-rate cash back — high rewards for bigger spenders. At those rates, carrying a balance for even a single month can seriously eat into your cash back earnings. For example, you can get one card that offers extra cash back for dining, another that offers extra for shopping at Amazon, and another that gives extra for gas and groceries. It might be the most customizable cash back card available. When evaluating offers, please review the financial institution’s Terms and Conditions. There's a good bonus offer for new cardholders, too. What kinds of cash-back credit cards are there? New cardholders also get 5% back on up to $12,000 in grocery store purchases in the first year (not including Target or Walmart) and can snag this sign-up bonus: Earn 3% cash back in the category of your choice, 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, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks. All financial products, shopping products and services are presented without warranty. Chase Freedom Flex℠ - Best for Rotating Bonus Categories. $200 Sign-Up Bonus When You Spend $500 in Purchases in the First 3 Months; 5% Cash Back on Grocery Store Purchases (Not Including Target and Walmart) on Up to $12,000 Spent in the First Year. If you don't mind putting some work into your rewards, check out the. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Why? Dining: Citi Cash Back (8% cashback) Dining out in Singapore isn’t cheap. The Discover it® Cash Back earns bonus cash back in quarterly categories that you activate. Instead, consider the. Cash-back credit cards are popular because they provide tangible, easy-to-understand benefits. This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. On top of all that, new cardholders get a 0% introductory APR period, bonus rewards at grocery stores and the opportunity to earn a sweet cash bonus. Other perks include a 15-month 0% APR promotion for purchases and a nice lineup of value-added perks, including discount opportunities. Income required: $12,000. Terms Apply. Restaurants. Limited Time Offer: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Some of our selections for the best cash-back credit cards can be applied for through NerdWallet, and some cannot. Redeem cash back in any amount, any time. Terms apply. Cash-back cards typically require less than $1,000 in spending to earn the bonus, so shift as much spending as possible to a new card until you earn the bonus. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities. If you’ll have trouble paying off the balance every month, a cash-back card — or any reward card — might not be for you. "Cash back" doesn't mean the card issuer sends you an envelope full of dollar bills. , which usually describes the merchant’s primary business. Take advantage of rotating bonus categories, Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise, you could miss out on hundreds of dollars. It pays unlimited 1.5% cash back on everything and comes with a sign-up bonus. If your cash-back categories overlap, you’ll wind up with redundant cards in your wallet. New cardholders get great bonus opportunities, too. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. Nobody wants to pay an annual fee — and most cash-back cards don’t have one — but sometimes it can work out better. If you're buying groceries regularly but not necessarily. But a few cards give you back 2% or even more. 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