Cash back credit cards are the easiest way to earn rewards for all your purchases. Whether you're buying groceries, gas, or enjoying a meal out, using a cash back card means earning money back in your bank account.
There are dozens of cash back cards to choose from when you're looking for the best credit cards. The key is picking one (or two, or three) that align with your spending habits and personal finance goals, then using your cards responsibly. We've narrowed down the choices for you — all of these cards offer competitive cash back rewards, and many offer generous welcome bonuses and no annual fee.
Our picks for the best cash back cards
- Wells Fargo Active Cash® Card(Rates and fees)
- Capital One Quicksilver Cash Rewards Credit Card(Rates and fees)
- U.S. Bank Cash+® Visa Signature® Card
- Bank of America® Unlimited Cash Rewards credit card
- Ink Business Cash® Credit Card
- Bank of America® Customized Cash Rewards credit card
- Blue Cash Preferred® Card from American Express
- Citi Double Cash® Card
- Chase Freedom Unlimited®
- Blue Cash Everyday® Card from American Express
5.0
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Current Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Why We Like It
If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card could be a good option for you. Cardmembers can earn unlimited 2% cash rewards on purchases.
This card also offers a 0% intro APR on qualifying balance transfers and purchases for 12 months from account opening, then 19.24%, 24.24%, or 29.24% Variable. Those looking for straightforward rewards and an introductory APR will likely find value in this card.
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
4.5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Current Offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards Rate
1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
Why We Like It
If you want a rewards credit card and don’t want to worry about rotating spending categories, consider the Capital One Quicksilver Cash Rewards Credit Card. It’s a simple, easy-to-use card that offers a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.
The Capital One Quicksilver card also offers a competitive 0% introductory APR for 15 months on purchases and balance transfers, then a 19.49% - 29.49% (variable) APR; Balance transfer fee applies.
The card also has a welcome bonus for new cardmembers, an unexpected perk for a card that has no annual fee.
Card Details
- Earn a one-time $200 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
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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 and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
U.S. Bank Cash+® Visa Signature® Card
4.5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
U.S. Bank Cash+® Visa Signature® Card
Current Offer
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening
Rewards Rate
5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter) and on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores, or restaurants; and 1% cash back on all other eligible purchases
Why We Like It
For anyone who wants a powerful rewards card without paying an annual fee, check out the U.S. Bank Cash+® Visa Signature® Card.
You’ll earn 5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter) and on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores, or restaurants; and 1% cash back on all other eligible purchases. This card allows you to tailor the rewards to your own spending habits, maximizing your cash back.
This card has an introductory 0% APR offer for the first 15 billing cycles on purchases and balances transfers (then 18.74% to 28.99% (Variable)). If you transfer over high-interest credit card debt, this offer could give you over a year to pay down the balance without paying interest charges, allowing you to save money.
Card Details
- $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.99% - 29.24%
- No Annual Fee
- Terms and conditions apply.
4.5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Why We Like It
Easy, unlimited cash back without categories or caps on how much you can earn.
Competitive, introductory 0% APR on purchases and qualifying balance transfers for 15 billing cycles (then 18.49% - 28.49% Variable APR), with no annual fee.
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
4.8
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Current Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Rewards Rate
5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases
Why We Like It
If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash® Credit Card. It has no annual fee, a valuable welcome offer for new cardmembers, and rewards for common business purchases.
You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.
With the Ink Business Cash card, you’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Card Details
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
4.4
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Why We Like It
The Bank of America® Customized Cash Rewards credit card is a fantastic card for anyone who loves earning cash back on everyday purchases.
Earn 3% cash back on the category of your choice — gas and EV charging stations, online shopping, dining, travel, drug store/pharmacy or home improvement/furnishing; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter); and 1% cash back on all other purchases.
Cardholders also benefit from a long introductory APR on purchases and qualifying balance transfers.
Card Details
- $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.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
5.0
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Current Offer
Earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months
Annual Fee
$0 intro annual fee for the first year, $95 per year thereafter
Rewards Rate
6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases
Why We Like It
If you’re looking for a powerful rewards card, the Blue Cash Preferred® Card from American Express allows you to earn up to a whopping 6% cash back in select categories.
You’ll earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
The card does have a generous welcome offer and is a great card for large purchases and balance transfers.
Card Details
- Earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months
- 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases
- Intro purchase 0% APR offer: 0%
for 12 months then 18.24% - 29.24% (variable)
- Intro balance transfer 0% APR offer: 0%
for 12 months
then 18.24% - 29.24% (variable)
Terms apply
5.0
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Current Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Rewards Rate
2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25
Why We Like It
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. To earn cash back, just be sure to pay at least the minimum due on time.
In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 18.49% - 28.49% (Variable) APR, and no annual fee.
Card Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
4.7
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Current Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards Rate
6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases
Why We Like It
With no annual fee, the Chase Freedom Unlimited® card is a powerful rewards credit card. It has an easy-to-earn and potentially lucrative welcome offer for new cardholders.
When spending with this card, you can earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.
It's a fantastic everyday use card - you'll earn at least 1.5% cash back whenever you shop.
Card Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
4.9
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment.
Our partners do not influence how we rate products.
Current Offer
Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months
Rewards Rate
3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases
Why We Like It
If you have good to excellent credit and want a rewards credit card that allows you to earn valuable cash back on your most common purchases, the Blue Cash Everyday® Card from American Express may be a good match for you.
You’ll earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There’s also a welcome offer, which is a nice perk for a card that has a $0 annual fee.
The Blue Cash Everyday® Card from American Express is also good for large purchases with a 0% intro APR on purchases for 15 months, then 18.24% - 29.24% (variable) APR after that.
Card Details
- Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months
- 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases
- Intro purchase 0% APR offer: 0%
for 15 months then 18.24% - 29.24% (variable)
- Intro balance transfer 0% APR offer: 0%
for 15 months
then 18.24% - 29.24% (variable)
Terms apply
How to pick the right cash back card for you
When you're looking for a new credit card, you should always look to see whether the benefits of a particular card provide value to you. You can get started learning about a card by reading credit card reviews and comparisons. But at the end of the day, which card will work best for you comes down to your personal spending habits and lifestyle. Still, there are a few common factors to consider no matter which card you're investigating.
You should also compare various cards' perks. Some cash back credit cards offer extra features beyond rewards, such as purchases protection or specific deals on things like rideshare purchases.
Bonus categories and rewards
If you eat out a lot and routinely spend money on travel purchases, then you might want a credit card that offers higher rewards rates on those types of purchases. Some cash back cards have consistent rewards rates for particular categories, while other some other cash back cards give you higher rewards (upon activation) for purchases in various categories that rotate throughout the year. (They usually rotate once every quarter.)
Among credit cards with rotating bonus categories, there are even a few that let you pick your highest earning rate for rewards in the category of your choice.
Many cash back credit cards offer bonus rewards rates on things like groceries and gas, which might not provide as much value for you if you don't spend as much in those categories. But you can look for a cash back card that has higher rates in the categories you spend in the most.
What about travel credit cards?
If you spend a lot on travel each year, then you might want to consider travel-specific credit cards that earn points or miles that you can redeem directly for travel.
Regardless of what type of card you choose, read through the card offer details so you can fully understand what benefits the card is offering, what your obligations are, and what to expect in terms of its rewards rates. You should also understand how you can use the rewards you can earn and what interest and fees are associated with the card.
Fees
Common credit card fees include foreign transaction fees, cash advance fees, and balance transfer fees. Do your due diligence so you know what to expect from the card you want to apply for.
Some cash back cards also charge an annual fee, but many don't. If a card has an annual fee, and you don't think the card's rewards justify its annual cost, then you should choose a no-annual-fee card, or a different card with a better rewards program that could offset the annual fee.
0% intro APR and balance transfer cards
In addition to earning cash rewards, some cash back cards also offer a 0% intro APR on purchases or balance transfers for a set time period — usually a number of months or billing cycles. If you're interested in transferring a balance to a new card to save on interest, make sure you review the fine print about balance transfer fees, which typically cost around 3% to 5% of the amount of each balance transferred.
Whether you're planning to do a balance transfer or make a large purchase with your new 0% APR card, make sure you can pay off the entire balance of your card before the introductory APR offer ends and the regular variable APR kicks in. Paying off your balance on time can help you save on costly interest charges.
FAQs about cash back credit cards
How do cash back credit cards work?
When you use a cash back credit card, the issuer gives you back rewards as a percentage of what you spend on qualifying purchases. You can usually redeem these rewards for statement credits, and sometimes for other things, like gift cards.
There are different types of cash back credit cards. For example, if you have a flat-rate cash back card that offers 1.5% back on all purchases and you buy a $10 birthday cake, the card issuer will give you 15 cents back. Certain cash back cards also offer rotating bonus categories, which typically vary from quarter to quarter.
One quarter, bonus cashback categories might include eligible online shopping purchases on sites like Amazon, Target, or Walmart. The next quarter, you might earn bonus cash at a wholesale club or home improvement store, or on a streaming subscription. As an added bonus, some issuers will even match the cash back you earn at the end of your first year, up to a certain amount.
The exact rewards structure will vary from card to card, though redemption options may be similar across credit cards. Some typical cashback redemption options include statement credits, direct deposits to your checking account, mailed checks, or credits you can use to purchase gift cards. Some issuers even let you donate your cash back to a charity.
What credit card gives the most cash back?
It depends on what categories you spend in the most. A card that offers a 5% cashback rewards rate on dining and entertainment won’t be as valuable to a family who doesn’t go out to eat very much. However, a card that offers 3% back at select U.S. grocery stores may be very valuable to the same family, even though the rewards percentage is lower.
You should decide what matters most to you and examine what your spending habits look like. Then you can look for cards that offer high cashback rates for the purchases you make most.
High percentages are generally 2% or more, as most cash back cards offer 1% or 1.5% on select purchases. And don't forget to pay attention to spending caps for certain categories, which limit how much of your annual spending on the card is eligible to earn rewards.
In general, here are some excellent cards for earning cash back in different categories:
Why do credit cards offer cash back?
Because issuers want to give you a reason to apply for their credit cards over others. Competition among credit card issuers is fierce and any kind of incentive program, such as rewards or cash back, can make one card more appealing than another.
The rewards you get back typically come from transaction fees that merchants pay every time they process a charge. The issuer takes a percentage of those fees and passes some of them on to customers as rewards for using cash back cards.
Getting a percentage of money back encourages consumers to swipe more, which results in more transaction fees that the issuer can collect from merchants. You may also find that cash back cards have higher interest rates than credit cards that don't offer rewards. That's because these cards are so popular that issuers can set their APRs higher and still gain new customers.
Is it better to get cash back or rewards?
Whether cash back or points/miles are better depends on what you value most. Big travel spenders might appreciate rewards that can be traded in for airline tickets, statement credits, and hotel stays. These points may be worth more than cash back depending on how you earn and redeem them.
However, some credit cards offer cashback rewards that can save customers a lot of money annually, which may be more important for you. In the end, it’s up to you to decide which is better for your lifestyle.
If you'd prefer more flexibility, certain cashback rewards cards allow you to use your cash back to book travel. This can give you the best of both worlds if you're on the fence about which type of card to choose. For instance, if you have the Chase Freedom Unlimited®, you can convert your cashback earnings into travel rewards and use them to book travel through the Chase Travel program.
What credit score do you need to get approved for a cash back credit card?
Every issuer will likely consider your creditworthiness when you apply for a new cash back card — but exact credit requirements vary. Some issuers require excellent credit for approval, while others may approve your application even if you have a credit score on the low side, or a more limited credit history.
Issuers are in charge of approval/rejection, and it's at their discretion. To increase your options when it comes to credit cards, it's a good idea to learn more about how FICO Scores work and how to improve your credit score.
Methodology: How we chose these cards
To select the best cashback credit cards, we looked for cash rewards credit cards from our partners that offer bonus cash back-earning opportunities in popular spending categories, as well as strong welcome offers/sign-up bonuses. We looked at these benefits in relation to each card's annual fee to determine which cards to include on our list. We did not include all cards available.
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