Best Cash Back Credit Cards of 2024

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This offer is no longer available on our site: Chase Freedom Flex℠

Editors’ tip: The best cash back rewards card for you will be a natural fit for your spending habits and lifestyle. To help you out, we share our top cash back picks.

Best for everyday spending: Chase Freedom Unlimited®

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% Intro APR on Purchases for 15 months	0% Intro APR on Balance Transfers for 15 months	19.99% – 28.74%* Variable	19.99% – 28.74%* Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Regular Purchase APR
19.99% – 28.74%* Variable
Regular Balance Transfer APR
19.99% – 28.74%* Variable

Additional Rates and Fees

Cash Advance Rate	29.74%* Variable
Cash Advance Fee	5%, Min: $10
Late Fee	See Terms*
Penalty APR	Up to 29.99%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5%, Min: $5 thereafter.
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

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 19.99% – 28.74%.
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

^*See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

See details, rates & fees

Here’s why: The Chase Freedom Unlimited® is a great all-around cash back credit card with popular bonus categories and a high rate for all other purchases.

Pros

Bonus categories cover a wide range of everyday spending
1.5% back on all other purchases raises your rewards floor
$0 annual fee

Cons

Bonus categories might not fit everyone’s spending habits
Current sign-up bonus offer requires lots of spending to earn full value

Best for rotating bonus rewards: Chase Freedom Flex℠

Here’s why: The Chase Freedom Flex℠ takes the bonus categories of Chase Freedom Unlimited® and adds variety with a top category that changes every quarter.

Pros

5% back on up to the first $1,500 you spend each quarter in rotating bonus categories (when activated)
Additional bonus categories provide consistent ongoing value
$0 annual fee

Cons

Rotating categories aren’t guaranteed to fit your spending
Other bonus categories might not match your lifestyle

Best for simple cash back: Citi Double Cash® Card

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	N/A	0% for 18 Months	18.49% – 28.49%* Variable	18.49% – 28.49%* Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
N/A
Intro Balance Transfer APR
0% for 18 Months
Regular Purchase APR
18.49% – 28.49%* Variable
Regular Balance Transfer APR
18.49% – 28.49%* Variable

Additional Rates and Fees

Cash Advance Rate	29.74%* Variable
Cash Advance Fee	5%, Min: $10
Late Fee	See Terms*
Penalty APR	Up to 29.99% Variable
Balance Transfer Fee	Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Foreign Transaction Fee	3%
Return Payment Fee	Up to $41

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).
Rates and fees

See details, rates & fees

Here’s why: Earning cash back couldn’t be any easier than with the Citi Double Cash® Card, which provides the same cash back rate on all purchases.

Pros

Earn 2% back on every purchase — 1% when you make a purchase and 1% when you pay
$0 annual fee
Sign-up bonus and intro balance transfer offer additional value

Cons

Other cash back cards offer potentially higher rewards
Split rewards earning structure not right for everyone
Mixing rewards and intro balance transfer offer might get complicated

Best for groceries: Blue Cash Preferred® Card from American Express

Here’s why: The Blue Cash Preferred® Card from American Express boasts the highest grocery rewards rate on the market.

Pros

Earn 6% cash back at U.S. supermarkets on up to $6,000 spent in purchases each year (then 1%).
Earn 6% cash back on certain popular U.S. streaming subscriptions, 3% cash back at U.S. gas stations and 3% back on various forms of transit

Cons

Has a $0 intro annual fee for the first year, then $95, which will eat into your rewards
Spending cap on grocery rewards limits your potential value

Best for dining and entertainment: Capital One Savor Cash Rewards Credit Card

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% intro on purchases for 15 months	0% intro on balance transfers for 15 months	19.74% – 29.74% (Variable)	19.74% – 29.74% (Variable)

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Intro Balance Transfer APR
0% intro on balance transfers for 15 months
Regular Purchase APR
19.74% – 29.74% (Variable)
Regular Balance Transfer APR
19.74% – 29.74% (Variable)

Additional Rates and Fees

Cash Advance Rate	29.74% (Variable)
Cash Advance Fee	5% of the amount of the cash advance, but not less than $5
Late Fee	Up to $40
Penalty APR	None
Balance Transfer Fee	3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
Foreign Transaction Fee	None
Return Payment Fee	See Terms*

0% intro APR on purchases and balance transfers for 15 months; 19.74% – 29.74% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
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
No foreign transaction fee
No annual fee

See details, rates & fees

Here’s why: Capital One Savor Cash Rewards Credit Card provides high cash back rates on purchases you might make during a night out, or to plan for a fun night in.

Pros

Earn 3% cash back on dining, entertainment, popular streaming services and groceries (except at superstores like Target and Walmart)
Earn 8% on Capital One Entertainment purchases, 5% on hotels and rental cars booked through Capital One Travel, and 1% on all other purchases
$0 annual fee

Cons

Some bonus categories come with spending restrictions

Best for fair credit: Capital One QuicksilverOne Cash Rewards Credit Card

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$39	N/A	N/A	29.99% (Variable)	29.99% (Variable)

Offer Terms
Annual Fee
$39
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
29.99% (Variable)
Regular Balance Transfer APR
29.99% (Variable)

Additional Rates and Fees

Cash Advance Rate	29.99% (Variable)
Cash Advance Fee	5% of the amount of the cash advance, but not less than $5
Late Fee	Up to $40
Penalty APR	None
Balance Transfer Fee	$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign Transaction Fee	None
Return Payment Fee	See Terms*

Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
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
Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set

See details, rates & fees

Here’s why: The Capital One QuicksilverOne Cash Rewards Credit Card gives people with fair credit a chance to earn cash back.

Pros

Earn 1.5% cash back on every purchase you make
Periodic reviews for potential credit limit increase

Cons

$39 annual fee will cut into your rewards value
Credit limit increases not guaranteed

Best for gas: Costco Anywhere Visa® Card by Citi

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	N/A	N/A	19.74% – 27.74%* Variable	19.74% – 27.74%* Variable

Offer Terms
Annual Fee
$0
Intro Purchase APR
N/A
Intro Balance Transfer APR
N/A
Regular Purchase APR
19.74% – 27.74%* Variable
Regular Balance Transfer APR
19.74% – 27.74%* Variable

Additional Rates and Fees

Cash Advance Rate	29.74%* Variable
Cash Advance Fee	5%, Min: $10
Late Fee	See Terms*
Penalty APR	Up to 29.99% Variable
Balance Transfer Fee	Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Foreign Transaction Fee	0%
Return Payment Fee	Up to $41

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Rates and fees

See details, rates & fees

Here’s why: The Costco Anywhere Visa® Card by Citi offers you more cash back to fill up your tank at other gas stations than it does to shop inside a Costco store.

Pros

4% cash back on gas and electric vehicle charging (including eligible non-Costco stations) on up to the first $7,000 you spend each year (then 1%)
Earn 3% back on dining and travel (including Costco purchases), 2% on all other Costco purchases and 1% on all other purchases
$0 annual fee with active Costco membership

Cons

Must have active Costco membership to apply
Rewards issued only once per year and must be used at Costco

About the author: Tim Devaney is a personal finance writer and credit card expert at Credit Karma. He’s a longtime journalist who prides himself on being a good storyteller who can explain complex information in an easily digestible wa… Read more.

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Best cash back credit cards of 2024

Advertiser Disclosure

Best for everyday spending: Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Pros

Cons

Best for rotating bonus rewards: Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Freedom Flex℠

Pros

Cons

Best for simple cash back: Citi Double Cash® Card

Citi Double Cash® Card

Citi Double Cash® Card

Pros

Cons

Best for groceries: Blue Cash Preferred® Card from American Express

Pros

Cons

Best for dining and entertainment: Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Pros

Cons

Best for fair credit: Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Pros

Cons

Best for gas: Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Pros

Cons