. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. There isnt a 0% intro purchase APR, but the 16.99% to 26.99% variable APR is pretty low for a rewards card. Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. In past years,those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. Read our Discover it Student Cash Back review or jump back to this cards offer details. The U.S. Bank Shopper Cash Rewards Visa Signature Card - NerdWallet Exclusive is tailor-made for consumers who spend a lot at specific merchants that don't fit into (or are specifically excluded from) the highest-paying categories on other cards. Other spending earns 1% cash back. After that, the variable APR will be 16.99% 26.99%, based on your creditworthiness. Youre unlikely to find such valuable perks as reimbursement for. Although rotating category cards may seem complicated, Discover makes its card more reliable and lower-cost than competitors. You earn 6% cash back on up to $1,500 a quarter in combined spending at two retailers you choose from a list. $0 annual fee. Prior to working for Forbes, she contributed to other leading publications in the credit cards and rewards space. Capital One Mobile app: Pay your bill, get real-time purchase notifications, lock or unlock your card and more. Up to 10% cashback on Grab rides & food (excludes top-ups). 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%. Just a dollar-for-dollar match. 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. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Consider the Wells Fargo Active Cash Card which carries no annual fee and earns 2% cash rewards on purchases. Yes, cash back can expire. And co-branded travel cards for airlines and hotel companies might give you perks no other card will. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Considering the high cash back rates and abundant reward opportunities, the ongoing $95 annual fee ($0 intro annual fee for the first year) is no problem since its recouped just by spending $132 at U.S. supermarkets each month. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. If youre willing to work with these restrictions, the Walmart Rewards Card can be an incredibly rewarding option for the regular Walmart shopper. You could turn $150 cash back into $300. As you compare cards and credit card issuers, there are some things that you should incorporate into your evaluations. The scoring formulas take into account multiple data points for each financial product and service. offers an excellent rewards rate on everything you buy, as well as a bundle of other goodies not often found on cards like it. In addition to 6% back on up to $1,500 a quarter in combined spending at your two chosen retailers, you earn 3% on up to $1,500 per quarter spent in an "everyday" category like gas, wholesale clubs or bills and utilities. Additionally, the More Rewards card does not have foreign transaction fees, cash advance fees or balance transfer fees. All other purchases earn 1% back. $0 intro annual fee for the first year, then $95. Plus, its 18-month 0% introductory balance transfer APR makes it easy to switch to (16.99% to 26.99% variable APR thereafter). There are three basic kinds of cash-back credit cards: Flat-rate cards pay the same cash-back rate no matter what you buy. If youre a foodie, the SavorOne is a must-have since it now covers at-home food and entertainment via grocery store and popular streaming service purchases. Compared to points or miles, cash back is typically easier to understand and redeem. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Bonus rewards: High rate for big box shoppers. A $50 deductible applies. You may disable these by changing your browser settings, but this may affect how the website functions.
For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate. The Capital One Quicksilver perfectly embodies the easy rewards approach many cardholders crave. This encourages people to use their credit cards more often, telling them that using credit cards more frequently means . Cash-back cards that are great for travel, too, Pros: Why it's worth getting a cash-back card, Cons: Why a cash-back card might not be for you, Few perks. Enjoy new 5% categories each quarter! The card carries no annual fee. If youre a frequent traveler, you might be able to reap better value from a travel credit card, maybe coupled with an airline card or hotel card. In addition, be sure to cash out your rewards before you close a credit card account. Superstores and warehouse clubs are excluded from the cards U.S. supermarket bonus category, which may disappoint people who like to shop around for the best deals. We all need food to survive, and if you prefer to buy your groceries at the store rather than dine out, the Blue Cash Preferred Card from American Express (Terms apply. Welcome Offer: $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Every $1 you earn in cash back is $1 you can redeem. Business Advantage Unlimited Cash Rewards Mastercard Secured credit card Help strengthen your business credit while earning unlimited cash back Open your account with a security deposit (minimum $1,000). U.S. Bank Altitude Go Visa Signature Card: Best for dining + no annual fee. 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. Keep in mind that Discover has a more limited reach outside the U.S. than other card networks. . Even the best cash-back credit cards probably aren't as flashy as travel rewards credit cards, but as with the hare and the tortoise, sometimes slow-and-steady wins the race. In fact, all these offerings make it a Chase card combo staple. Select Apply Now to learn more about the product features, terms and conditions, View All Wells Fargo Active Cash Card Details, 16.99% - 26.99% Variable APR on purchases and balance transfers. Free BINGE Basic subscription. Others allow you to redeem cash directly into your bank account, while some offer to mail you a paper check. Showing 1 - 10 of 32 Blue Cash Preferred Card from American Express Add to Compare NerdWallet rating 5.0 /5 Rates & Fees Apply Now on American Express's website Annual fee $0 intro annual. The Freedom Flex also offers some travel benefits including trip cancellation and interruption insurance, travel and emergency assistance services, and secondary auto rental collision damage coverage. Cash-back cards are great for many people, but not everybody. Higher cash back percentages can be had on different cards for specific categories. INTRO OFFER: Unlimited Cashback Match only from Discover. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. If you have bad credit or youre a student, there are specialty cards for you. The card earns 3% cash back on up to $6,000 spent per year in each of three categories: U.S. supermarkets, U.S. gas stations and U.S. online retail purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Such fees are rarer on travel and luxury cards. Read our full guide to how cash back credit cards work to learn more. Capital One Venture X Vs. Chase Sapphire Reserve, Private Wealth Manager Vs. Financial Advisor, secondary auto rental collision damage coverage, Capital One SavorOne Cash Rewards Credit Card, guide to choosing the best cash-back card, A Forbes Guide To Choosing A Cash Back Credit Card, The 4 Best Apps To Track Credit Card Rewards, Blue Cash Preferred Card from American Express Review, Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Travel bookings must be made through Chase Ultimate Rewards to earn 5% cash back. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay Plan. In general, a card with a higher rewards rate will provide the most value. Caroline Lupini is the Credit Card and Travel Analyst for Forbes Advisor. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. is tailor-made for consumers who spend a lot at specific merchants that don't fit into (or are specifically excluded from) the highest-paying categories on other cards. Get more cash back when you spend at/on: . 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). However, if you can, it does offer solid rewards. Related: Wells Fargo Active Cash vs. Wells Fargo Platinum. We recommend enabling these cookies to give you a more personalised experience. Offer ends October 31, 2022. The percentage of cash back offered varies between different credit card companies, but anywhere between 1 to 2 percent is common. Comparing cash back credit cards can be a daunting task, especially if youre not sure where you spend the most or how different card types fit different lifestyles. 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 Travel 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. Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? More informationClose Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! Cash rebate credit cards, also known as cash back credit cards, are cards that give you a cash rebate when you use them for purchases. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. To qualify for the $200 cash rewards bonus, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards, 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. Discover helps remove your personal information from select people-search websites. In past years,those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. No minimum to redeem for cash back. A rotating category card with a twist: You pick your bonus categories. Annual Fee. Beyond its boosted 1.5% cash back base rate, it earns unlimited 3% back on dining and drugstore purchases plus 5% on Lyft purchases (through March 31, 2025) and Chase travel. Instead of points that you have to figure out how to redeem and that you might not be able to redeem for something you want you get real dollars and cents you can use for, well, anything. Pre-qualified offers are not binding. Read our Capital One Quicksilver Cash Rewards Credit Card review or jump back to this cards offer details. spenders. The rebate shall be computed monthly on transactions posted up to the accounts statement cycle date. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Youll also benefit from purchase protection, extended warranty protection and roadside dispatch. is tailor-made for consumers who spend a lot of money at retailers that don't fit into (or are specifically excluded from) the bonus categories offered by other credit cards. Card issuers are privy to consumer spending patterns and flesh out cash back cards with different rates to compliment those patterns. Were sorry, but something went wrong and we couldnt find your approval odds. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Cardholders also earn 3% cash back at U.S. gas stations, 3% cash back on transit expenses, and 1% cash back on all other purchases. You might be using an unsupported or outdated browser. Individuals who are looking for a new credit card will want to visit the websites of these companies to learn about the current offers available. Simply make a donation to Foster Care to Success (FC2S). Content published under this author byline is generated using automation technology. $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Earn unlimited 1.5% cash back on all purchases. The card charges an annual fee, although $31 a week in spending at your chosen retailers will return enough cash back to offset it. You might get more cash back for certain types of spending at restaurants or gas stations, for example. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), plus 1% on all other purchases. For example, airline cards often offer free checked bags and priority boarding. Your email address unlocks your approval odds. Youll only earn 3% back on the first $6,000 you spend in each bonus category per year (then 1%). A 3% fee (min $10) applies to all balance transfers. Keep tabs on your credit health Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Get a 0% intro APR for 15 months on purchases. Related: Is the American Express Blue Cash Everyday Card worth it? 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Get even more rewards. Cash-back credit cards come in three basic types that determine how you accumulate cash rewards. What are the rules for getting your cash back? Earn $100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening, Best for Alliant Tier One Rewards Customers, Best No Annual Fee Card for Military Members, Blue Cash Preferred Card from American Express, Alliant Cashback Visa Signature Credit Card, Navy Federal Credit Union Visa Signature Flagship Rewards Card, Navy Federal More Rewards American Express Card. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Sometimes called "dining," this usually includes everything from fast-food restaurants and pizza delivery to white-tablecloth fine dining. Consider the Capital One SavorOne Cash Rewards Credit Card. 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