Updated on Jan 11, 2018

Best Cash Back Cards for 2018

Reward yourself with a card that puts money back in your pocket.
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Cash back credit cards make it incredibly easy to earn rewards. Some offer flat rates, so you’ll earn no matter where and how you use your card. Others earn high-rate rewards in specific categories. Take a look at our top picks for the best cash back credit cards of 2018 and apply for your perfect fit in minutes.

The Simple Dollar's top picks for the best cash back cards

Best overall

Discover it® - Cashback Match™
Cash back details 5% cash back at different places each quarter; 1% on all other purchases
Redeem for... eDeposit, statement credit, charitable donation, or Amazon purchases

Signup bonus First year cash back match
Annual Fee $0
Highlights Provided by Discover Show Highlights
Card Highlights Provided by Discover:
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Issuer: Discover
  • Rewards Details: 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 1% cash back on all other purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 26.24% Variable
  • Introductory APR: 0%
  • Introductory APR Period: 14 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 14 months
  • Ongoing APR: 12.24% - 24.24% Variable

Our two cents

Who should get it

The Discover it® Cashback Match™ is great if you’re looking for an easy-to-earn bonus because there’s no minimum spending requirement — you’ll get a dollar-for-dollar match of your first-year earnings automatically. It’s also ideal if you have a big purchase in mind thanks to its 14-month 0% intro APR for purchases and balance transfers.

How to use it
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Get a dollar-for-dollar match of all your earnings at the end of your first year.
  • Use the above-average 14-month 0% intro-APR period to pay for larger purchases without incurring any interest.
Consider this

If your spending habits don’t line up with rotating bonus categories, the Chase Freedom Unlimited® will help you maximize your earnings. It has a 1.5% rewards rate for all purchases and no annual fee. (It also offers a longer 15-month 0% intro APR for balance transfers and purchases.) Note: You’ll have to spend $500 in the first three months to earn the $150 signup bonus.

Why you'll love it

The Discover it® Cashback Match™ doesn’t have a spending requirement for its bonus — you’ll get a dollar-for-dollar match of your earnings at the end of the first year. This card also offers a 14-month 0% intro APR on purchases and balance transfers.

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Partner Offer Apply Now on American Express's secure website

Best for families

Blue Cash Preferred® Card from American Express
See Rates & Fees
Cash back details 6% cash back at U.S. supermarkets (up to $6,000, then 1%) (Terms apply)
Redeem for... Reward Dollars (redeemed as a statement credit)

Signup bonus $200
Annual Fee $95
Highlights Provided by American Express Show Highlights
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
  • Issuer: American Express
  • Rewards Details: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms Apply.
  • Annual Fee: $95 See Details
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.49% Variable
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Introductory APR: 0%
  • Introductory APR Period: 12 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 12 months
  • Ongoing APR: 14.24% - 25.24% Variable See Rates & Fees
  • Penalty APR: 29.99% Variable

Our two cents

Who should get it

If you have a large family, the Blue Cash Preferred® Card from American Express is an excellent choice — spending just $60 a week at U.S. supermarkets could earn over $180 cash back per year. It also earns unlimited rewards at U.S. gas stations and select U.S. department stores, which is also a big win for shoppers.

How to use it
  • Use this card when you’re grocery shopping and filling up your tank to maximize your earnings.
  • Plan to spend at least $1,000 on purchases in the first three months to earn a $200 statement credit.
  • Redeem your Rewards Dollars as statement credits that can be applied to any purchase you make.
Consider this

If you don’t want to pay an annual fee but still want high-rate rewards for grocery shopping, the Blue Cash Everyday® Card from American Express can be a better fit. It earns 3% cash back at U.S. supermarkets and 2% at U.S. gas stations and select U.S. department stores, all without an annual fee.

Why you'll love it

The Blue Cash Preferred® Card from American Express’ extremely high-rate rewards make it a first-rate choice for frequent shoppers or large families. And if you spend $1,000 on purchases within the first three months you’ll qualify for a $200 statement credit that you can use to pay down your balance.

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Learn More on Bank of America's secure website

Great for Bank of America customers

Bank of America® Cash Rewards Credit Card
Cash back details Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas
Redeem for... Cash Back

Signup bonus $150
Annual Fee $0.00
Highlights Provided by Bank of America Show Highlights
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.24% - 24.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Issuer: Bank of America
  • Rewards Details: 1% cash back on every purchase. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. 3% cash back on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • Sign Up Bonus: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Annual Fee: $0.00
  • Balance Transfer Fee: 3% of the amount of each transaction or $10, whichever is greater.
  • Cash Advance APR: See Terms
  • Foreign Transaction Fee: 3%
  • Introductory APR: 0% Introductory APR on purchases
  • Introductory APR Period: 12 billing cycles
  • Introductory Balance Transfer APR: 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • Introductory Balance Transfer Period: 12 billing cycles
  • Ongoing APR: 14.24% - 24.24% Variable APR on purchases and balance transfers
  • Penalty APR: up to 29.99% APR

Our two cents

Who should get it

The Bank of America® Cash Rewards Credit Card is a great entry-level card for Bank of America customers. Depending on your Bank of America® Preferred Rewards program status, your rewards rates could climb up to 75% higher.

How to use it
  • Earn 3% cash back on gasoline, 2% at grocery stores and wholesale clubs, and 1% on all other purchases (for up to $2,500 in combined purchases every quarter)
  • Spend $500 or more in the first 90 days to get a $150 cash back bonus.
  • Redeem cash back rewards.
Consider this

If you don’t bank with BofA, the Blue Cash Preferred® Card from American Express is worth considering. Most notably, it earns a much higher reward rate at U.S. supermarkets than the Bank of America® Cash Rewards Credit Card, but it does have a $95 annual fee.

Why you'll love it

The rewards structure, signup bonus, and no annual fee all make the Bank of America® Cash Rewards Credit Card an attractive choice. If you have a Bank of America® account or a qualifying Merrill Lynch Cash Management Account®, the potential for customer points bonuses make this card an obvious choice.

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Learn More on Capital One's secure website

Best for fixed-rate cash back

Capital One® Quicksilver® Cash Rewards Credit Card
Cash back details Earn unlimited 1.5% cash back on every purchase, every day
Redeem for... Statement credit or check

Signup bonus One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Issuer: Capital One
  • Rewards Details: 1.5 % Cash Back on every purchase, every day. 150 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 24.24% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 9 Months
  • Introductory Balance Transfer APR: 0% intro on balance transfers
  • Introductory Balance Transfer Period: For 9 Months
  • Ongoing APR: 14.24% - 24.24% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

The Capital One® Quicksilver® Cash Rewards Credit Card is for those who love simplicity. It has a flat 1.5% rewards rate, no annual fee, and a $150 bonus if you spend $500 in the first three months on any type of purchase. And when you earn rewards, you can redeem them for any amount.

How to use it
  • Earn unlimited 1.5% cash back on all purchases.
  • Spend $500 in the first three months to earn the $150 signup bonus.
  • Take advantage of Visa Signature® Benefits like travel and emergency assistance, auto rental coverage, and fraud coverage.
Consider this

The Discover it® Cashback Match™ has a much higher rewards rate (5% on up to $1,500 in purchases per quarter), though you’ll have to focus your spending on rotating bonus categories, like restaurants and gas stations. One perk: There’s no spending requirement to earn a bonus — Discover will award you a dollar-for-dollar match of your first year earnings automatically.

Why you'll love it

There aren’t any rotating categories or annual fees to worry about, so you’ll earn 1.5% cash back no matter how you use your Capital One® Quicksilver® Cash Rewards Credit Card. And if you spend around $170 a month for the first three months (over $500 in total), you’ll earn a one-time $150 cash bonus.

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High-reward bonus categories

Chase Freedom®
Cash back details Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
Redeem for... Statement credit, cash back, travel via Chase Ultimate Rewards®

Signup bonus $150
Annual Fee $0
Highlights Provided by Chase Show Highlights
  • Earn a $150 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
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • Issuer: Chase
  • Rewards Details: 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. Unlimited 1% cash back on all other purchases.
  • Sign Up Bonus: Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 Months
  • Ongoing APR: 16.24% - 24.99% Variable
  • Penalty APR: None

Our two cents

Who should get it

The Chase Freedom® rewards credit card makes it easy to maximize your earnings with rotating 5% bonus categories — one of the highest rewards rates out there. It’s also great if you want versatile redemption options. This is one of the few cards of its kind that gives you the option to redeem your points for travel rewards (via Chase Ultimate Rewards®).

How to use it
  • Earn 5% cash back in rotating bonus categories (on up to $1,500) and 1% cash back on everything else.
  • Spend $500 within the first three months to get a $150 cash back bonus.
  • Redeem your cash back reward points for statement credits, cash back, and travel booked through Chase Ultimate Rewards® — and there’s no minimum to redeem!
Consider this

The Chase Sapphire Preferred® Card doesn’t have the same high-rate rewards, but it does earn unlimited 2X points on travel and dining worldwide. It also offers a signup bonus of 50,000 bonus points, worth $625 for travel via Chase Ultimate Rewards®. However, you will have to spend a lot more on purchases in the first three months ($4,000) to earn that more valuable reward.

Why you'll love it

With its extra-flexible redemption options and high-rate rewards, the Chase Freedom® is a staple of the industry. Just focus your spending on the rotating categories and you can earn 5% on rotating categories on up to $1,500 per quarter.

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Best 0% intro APR

Chase Freedom Unlimited®
Cash back details Unlimited 1.5% cash back on every purchase – it’s automatic
Redeem for... Statement credit, cash back, travel via Chase Ultimate Rewards®

Signup bonus $150
Annual Fee $0
Highlights Provided by Chase Show Highlights
  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • Issuer: Chase
  • Rewards Details: Unlimited 1.5% cash back on every purchase - it's automatic
  • Annual Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.24% Variable
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Introductory APR: 0%
  • Introductory APR Period: 15 months
  • Introductory Balance Transfer APR: 0%
  • Introductory Balance Transfer Period: 15 Months
  • Ongoing APR: 16.24% - 24.99% Variable
  • Penalty APR: None

Our two cents

Who should get it

Considering a balance transfer? Want unlimited flat-rate rewards without having to worry about rotating categories? The Chase Freedom Unlimited® excels in both categories, all with no annual fee. There’s also an easy-to-earn $150 bonus to smile about.

How to use it
  • Earn unlimited 1.5% cash back on every purchase. No categories, no activations.
  • Pay off large purchases or balance transfers during the 15-month 0% intro APR period to avoid interest.
  • Redeem your rewards at any time, for any amount — there’s no minimum to redeem!
  • Spend $500 in your first 3 months to earn $150 bonus.
Consider this

The Blue Cash Preferred® Card from American Express gets unlimited 3% cash back at U.S. gas stations and select U.S. department stores. Plus, you’ll can earn 6% back at U.S. supermarkets on up to $6,000 a year, and 1% thereafter. If you want high-rate rewards without rotating categories, this is the card for you.

Why you'll love it

The Chase Freedom Unlimited® is one of the most simple flat-rate cards in the game. Not only does it earn a flat 1.5% cash back on all purchases, it offers one of the easiest-to-earn signup bonuses around. Plus, you can redeem your rewards at any time, for any amount (there’s no minimum).

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Learn More on Capital One's secure website

Best for average credit

Capital One® QuicksilverOne® Cash Rewards Credit Card
Cash back details Earn unlimited 1.5% cash back on every purchase, every day
Redeem for... Statement credit or check

Signup bonus None
Annual Fee $39
Highlights Provided by Capital One Show Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
  • Issuer: Capital One
  • Rewards Details: 1.5 % Cash Back on every purchase, every day.
  • Annual Fee: $39
  • Balance Transfer Fee: $0
  • Cash Advance APR: 24.99% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 24.99% (Variable)
  • Penalty APR: None

Our two cents

Who should get it

If you’re worried about getting approved for a credit card, the Capital One® QuicksilverOne® Cash Rewards Credit Card is a great option because it’s rated for people with average or “fair” credit. It also earns 1.5% unlimited cash back on all purchases, and with responsible use you can improve your credit score as you earn rewards.

How to use it
  • Use this card to build positive credit history and earn 1.5% cash back on every purchase.
  • Redeem your rewards for statement credits or checks.
  • Use this card for your Spotify Premium subscription and get 50% back as a statement credit. (Offer valid through April 2018.)
  • Use CreditWise® from Capital One® for unlimited access to your credit score.
Consider this

If you have excellent credit, you should also consider this card’s sibling, the Capital One® Quicksilver® Cash Rewards Credit Card. It has the same unlimited 1.5% cash back rewards structure, but without the $39 annual fee. (A FICO® Score of 750-850 is considered excellent.) Plus, it has a signup bonus: $150 after you spend $500 within the first three months.

Why you'll love it

The Capital One® QuicksilverOne® Cash Rewards Credit Card offers many of the benefits of the popular Capital One® Quicksilver® Cash Rewards Credit Card — but with more relaxed approval standards. Used correctly, it offers cash back rewards and the opportunity to improve your credit score over time.

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What does cash back mean?

When you’re at the grocery store and the cashier asks if you’d like cash back, that typically means you can use your credit or debit card to receive actual cash, similar to an ATM. For instance, if you’re purchasing $30 in items and want $20 in cash, the cashier will ring your purchase up as $50 and hand you a $20 bill. However, with credit cards, cash back means something different.

Credit card cash back refers to the rewards program offered by certain credit cards that allows you to earn a percentage of “cash” back on your purchase. This usually ranges from 1-6%, depending on the card.

For instance, the top card on our list, the Discover it® Cashback Match™, offers 5% cash back on rotating categories, and 1% cash back on all other purchases. If you spent $1,500 at Amazon.com and Wholesale Clubs from October to December this year, you’d receive $75 in cash back. You receive this “cash” back as a statement credit on your bill rather than actual currency.

If you’re trying to receive cash from an ATM, bank teller, or convenience check with your credit card then that’s actually considered a cash advance. In those cases, you’ll need to contact your card’s customer service center to set up a PIN number. Once you have a PIN, you can withdraw money from your credit card as you would a debit card.

How do I redeem cash back?

Redemption options vary from card to card, but here are the most common methods for redeeming rewards:

  • Bank Deposit. All the cash back that you earn goes straight into a checking or savings account.
  • Statement Credit. This form of cash back is only applied to your credit card balance — you can’t spend it anywhere else.
  • Gift Cards. Some credit cards offer cash back in the form of physical gift cards or eCertificates for popular retailers and merchants.
  • Charitable Donations. Other cards offer you the opportunity to donate your earnings to charities and disaster relief programs.
It’s important to remember that some of the best cash back cards have limits on how much you must redeem, and when you can redeem it. For example, the Discover it® Cashback Match™ matches your first-year earnings dollar-for-dollar, but you won’t get access to them until the end of your first account year. Be sure to read the terms and conditions before you pull the trigger on a card.

What type of cash back card do I need?

All the top credit cards on our list use one of two rewards systems: rotating rewards categories or designated rewards categories. To determine which one offers the most earning potential, you need to evaluate your spending in a variety of common categories.

Maximizing each cash back category

Creating a single fixed scenario to judge these cards is next to impossible. Instead, let’s look at each card at a category level to examine the return you could get from the rewards program. The table below shows an overview of the best type of cash back card to get for each of the various purchases you might make.

Type of purchase Best cash back card type
Groceries Designated category card
Gas (less than $6,000/year) Rotating category card
Gas (more than $6,000/year) Designated category card
Shopping Rotating category card
Dining and entertainment Rotating category card
Variety of purchases Rotating category card
Household purchases Designated category card

A real-life spending scenario

Consider this: The Blue Cash Preferred® Card from American Express is one of the best choices for big-time shoppers because it offers a designated 6% rewards category for U.S. supermarkets (groceries) on up to $6,000 per year. It’s also a top card for U.S gas station purchases, as there is no cap on the 3% you can earn.

If you were to consistently spend $10,000 in purchases per year with the Blue Cash Preferred® Card from American Express in the card’s two best rewards categories ($6,000 on groceries at U.S. supermarkets and $4,000 on gas at U.S. gas stations) without spending anything at the standard 1% rate, your four-year earnings would look something like this:

Blue Cash Preferred® Card from American Express

1 Year 2 Years 3 Years 4 Years
Sign-up bonus $200 $200 $200 $200
Rewards earned $480 $960 $1440 $1920
Annual fee -$95 -$190 -$285 -$380
Cumulative earnings $585 $970 $1355 $1740

With a rotating category card — even one that doesn’t have an annual fee — the earning potential is much lower for this spending arrangement because you’d probably only earn high-rate rewards on groceries for one quarter of the year.

Here are the best cash back credit cards of 2018

  • Discover it® – Cashback Match™: Best overall
  • Blue Cash Preferred® Card from American Express: Best for families
  • Bank of America® Cash Rewards Credit Card: Great for Bank of America customers
  • Capital One® Quicksilver® Cash Rewards Credit Card: Best for fixed-rate cash back
  • Chase Freedom®: High-reward bonus categories
  • Chase Freedom Unlimited®: Best 0% intro APR
  • Capital One® QuicksilverOne® Cash Rewards Credit Card: Best for average credit

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