07 Best Credit Card with Cash Back Rewards

Did you know that your credit card can be more than a tool to pay for your purchases? It can earn you points and cashback on every purchase. In addition, if you like to travel or do a lot of shopping, you undoubtedly need a credit card with cash back rewards.

However, with so many options on the market, how do you know which one is best for you? Let’s explore the best credit card with cash back rewards and how to choose the one that best suits your lifestyle.

Not all cards offer the same advantages, so it’s important to be mindful of the annual fees, reward limits, and special offers that each one brings. Do you want to know which credit card with cash back rewards is  right for you? Keep reading!

07 Best credit card with cash back rewards

1. Wells Fargo Active Cash Card

The Wells Fargo Active Cash® Card is one of the most interesting options when it comes to cashback. With a 2% cash back reward rate  on all purchases. Regardless of the category.

You can still take advantage of the welcome offer as well. In it, if you spend $500 on purchases in the first three months, you will earn a $200 cashback bonus.

And the best? There is no annual fee. As far as interest rates are concerned, in the first 12 months it is 0% on purchases and balance transfers as well.

And if you’re traveling, you’ll still have access to the  free Visa Signature® concierge. He is available 24/7 to help you with everything. From restaurant reservations to event tickets.

2. Blue Cash Preferred Card from American Express (Credit card with cash back rewards)

Now, if you’re the type to buy a lot in grocery stores or subscribe to multiple streaming services, the Blue Cash Preferred Card might be the perfect option. With a 6% cashback rate on grocery purchases in the US. However, there is a spending limit of US$6,000.00 per year.

In addition, the card offers 6% cash back on select streaming services in the US, such as Disney+, Hulu, and ESPN+. Thus, while watching your favorite series, the money back accumulates.

You will still have 3% cashback at gas stations and public transport (including taxis and tolls), which makes it an excellent alternative if you travel frequently. One drawback to consider is the annual fee of $95.00 (after the first year). However, considering the advantages, the card is still worth it.

3. Capital One Savor Cash Rewards

If you like to entertain and travel, without a doubt, Capital One Savor Cash Rewards is an option you should consider. In fact, it is one of the most sought after options among the Capital One credit card.

It will have 8% cashback on purchases made through the Capital One Entertainment platform. Which ranges from tickets to concerts, cinemas and special events.

In addition, you can count on 5% cashback on hotels and car rentals booked by Capital One Travel. Making this a great advantage for those who like to travel. In fact, there are no rotating categories or registrations required, that is, cashback comes constantly and predictably.

If you also like to dine out, know that the card also offers 3% cashback at restaurants and streaming services. Making it a super versatile card for food and entertainment lovers.

4. Citi Double Cash Card (Credit card with cash back rewards)

The Citi Double Cash Card offers 2% cash back, receiving 1% when you make the purchase and an additional 1% when you pay.

In general, if you like to simplify your life, this is the ideal card. With no complicated categories or constant changes in offers, you know you’ll always get 2% cashback on every purchase.

And, if you’re a frequent traveler, Citi Double Cash even offers 5% cashback on hotels and car rentals booked through Citi Travel.

5. Capital One Quicksilver Cash Rewards

Finally, Capital One Quicksilver Cash Rewards is a good alternative for those who want a simple and straightforward return on all purchases. At first, you will have unlimited 1.5% cashback on each purchase. Therefore, it is perfect for those who do not want complications.

Best of all, there are no reward categories or limits, and cashback does not expire as long as your account is active.

This card also offers an initial bonus of $200.00 after spending $500 on purchases in the first three months. In addition to having 0% APR for 15 months on qualifying purchases and balance transfers.

6. Bank of America® Customized Cash Rewards

Bank of America Customized Cash Rewards is one of the most customizable cards on the market. Firstly, you can earn 6% cashback in a category of your choice in the first year. Thus, you can choose where you want to maximize your rewards.

After the first year, you will still be able to earn 3% cashback in the chosen category and 2% cashback in supermarkets and wholesale clubs. Plus, it offers 1% cashback on all other purchases, ensuring that you’re always racking up rewards on any transaction.

This card comes with $200 in cashback when you spend $1,000 in the first 90 days. Which is an excellent offer for those who are just starting out. Customized Cash Rewards also has the advantage that it does not charge an annual fee and the rewards do not expire as long as your account remains active.

7. TD Cash

For those who like a card with direct to the point advantages, without a doubt, TD Cash can be ideal. It allows you to rotate your cashback categories each quarter, ensuring that you’re always taking advantage of the best rates for what you spend the most.

During the first year, you will earn 3% cashback on chosen categories and 2% cashback on other expenses, such as supermarkets and gasoline. In addition, TD Cash has $200.00 in cashback when spending $1,000.00 in the first 90 days.

You will still have a 0% APR offer on purchases and balance transfers for 15 months from the opening of the account. Which is excellent for those who want to take advantage of an interest-free card.

Another strong point of TD Cash is that it does not charge an annual fee, which makes it even more accessible for those looking for a practical option at no additional cost.

How to Choose the Right Card for You?

Choosing the right card will depend on your spending profile. If you travel a lot, for example, a card with travel benefits, such as Wells Fargo Active Cash or Capital One Quicksilver, may be the most advantageous. If most of your purchases are in supermarkets or restaurants, Blue Cash Preferred and Capital One Savor Cash Rewards may be the most interesting.

Conclusion

There is no perfect card for everyone, but with the options we have explored, it is possible to find the ideal cashback credit card for your needs. If simplicity and a high reward rate are  prioritized, Wells Fargo Active Cash and Citi Double Cash are incredible options.

On the other hand, if your focus is grocery shopping or entertainment, Blue Cash Preferred or Capital One Savor and TD Cash are options to consider. So, what’s your next step? Analyze each of the options calmly and decide which one you consider best.