5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Travel rewards credit cards can earn sizable returns if youre willing to track point values and optimum redemption options. Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more. 6% Cash Back on select U.S. streaming subscriptions. Many card issuers offer proprietary points instead of traditional cash back. The Chase Freedom Unlimited credit card offers trip cancellation/interruption insurance. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. The $0-annual-fee Wells Fargo Active Cash Card offers an excellent rewards rate on everything you buy, as well as a bundle of other goodies not often found on cards like it. Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. No annual fee You wont have to pay an annual fee for all the great features that come with your Freedom Flex card. PRODUCTS AND BENEFITS MENTIONED IN REVIEWS MAY CHANGE OVER TIME. With the EZ-Reload feature, your Unlimited Cashback Credit Card will automatically reload by $50 if your EZ-Link balances dips below $0. Bank of America Cash Rewards credit card. You pick which categories earn the most cash back you get two 5% categories and a 2% category and you can change those options every quarter. You can redeem your rewards for cash at any time, with no minimum value for redemption. MORE: NerdWallet's best no foreign transaction fee credit cards. Low bonus requirements. The stalwart Citi Double Cash Card gets high marks for pure value and simplicity: 2% cash back on every purchase 1% when you make it and 1% when you pay it off. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Note the $500 monthly spending cap for the 5% rewards rate, which means the most you can earn per month in a bonus category would be $25. Other Benefits and Drawbacks: The Blue Cash Preferred Card from American Express also offers return protection*, secondary car rental loss and damage coverage** and an up to $120 annual statement credit for Equinox+ membership. Even after the first year, the Discover it Cash Back, with its rotating bonus categories, offers solid rewards. 3% Cash Back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%). . Welcome Offer: Earn $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. Capital One Spark Cash for Business. There's no minimum spending or maximum rewards. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. 2. Citi Double Cash Card. S$192.60 (waived for 1 year) From the table above, the UOB Absolute Cashback Card seems to be the most flexible while granting consumers the highest unlimited cashback rates. After youve identified how much you spend in different areas and what other card features could benefit you, youre ready to compare credit cards and shop for the best one for you. Annual Fee: $0 Nobody can change the value of it, and you can spend it anywhere. These ads are based on your specific account relationships with us. Depending on your spending, this match can easily exceed the bonuses you can earn from other cards. Compared to other cashback cards like UOB One (Up to 15% cashback), OCBC 365 (8% cashback), and POSB Everyday Card (Up to 10% cashback), the <1.7% cashback doesn't hold a candle to those rebates. Rewards: Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other eligible purchases. Other Benefits and Drawbacks: In addition to the useful bonus categories, the Chase Freedom Flex offers purchase protection and extended warranty protection. Bonus rewards: 5% categories tailored to your spending. Capital One Quicksilver Cash Rewards Credit Card. Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Redeem for Cash Back rewards Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards . If a transaction fee is, for example, 3%, issuers may provide 1.5% cash back to the consumer as an incentive to apply for and use the card. Where the first two cards likely only reward non-bonus category spending with 1% cash back, you can pair multiple cards to reward the major spending you do across all categories. See our best rewards cards for a range of credit cards that earn cash, points or miles. While we've covered the basic mechanics of unlimited cashback credit cards, some of you might still be unconvinced of their benefits. 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. Choose a cash back card that's designed for your spending habits. A $50 deductible applies. Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. Our opinions are our own. New cardholders get a great bonus opportunity, too. Just answer a few questions and we'll narrow the search for you. See rates & fees). is for you. Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Foreign transaction fees. That's an impressive, hard-to-find combination of features on a card with a. has been a top choice among flat-rate cash-back cards. When it comes to credit card rewards, where the typical card offers 1.5% cash back, cards offering 5% cash back rewards are about as good as it gets more than three times as good, in fact. Visit credit card homepage Card Details Interest Rates & Fees Rewards Security & Features Connect one on one with a credit card specialist Schedule an appointment $0 Liability Guarantee. Then, a standard rate of 15.74% - 26.74% variable applies. T&Cs apply. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Points earned with travel cards can sometimes be parlayed into huge value, far exceeding the value of any cash-back card. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. That comes out to $255 cash back with the Everyday card's bonus categories ($8,500 x 3 percent = $255). Theres generally no learning curve required and you can claim your rewards with a few clicks in your online accountsometimes theyre even provided as a statement credit automatically. But several cards give you back 2% or even more. $0. On top of that, you now get 6% cash back on select U.S. streaming subscriptions and 3% on transit, including such things as taxis, rideshares, parking, tolls, trains and buses. A good benchmark is. You earn unlimited 1.5% cash back on every purchase, and you can redeem your cash back in any amount, with no minimum. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Every $1 you earn in cash back is $1 you can redeem. A variety of cards offer 5% cash back rewards, including options from several major banks, as well as store cards and credit unions for a more tailored . At 1.5% cash back, the Ducks Unlimited Card would earn $481.08 cash back per . 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. Cashback Credit Card Variant. * Same page link to Offer Details, Earn 5% on travel purchased through Chase Ultimate Rewards. If you don't have significant grocery expenses, however, this simply isn't the card for you. Think of it this way: A cash-back rewards card is like getting a discount on everything you buy with the card. The best cash-back credit card is the one that best fits your lifestyle and spending habits. You have to opt in to the bonus categories every quarter, which can be a hassle. Cash-back credit cards are an excellent way to earn rewards with every qualifying purchase on your credit card. This is often described as "gas" and usually applies to traditional gasoline service stations, such as Mobil, Shell and BP. Some of our selections for the best cash-back credit cards. Whether you want to pay less interest or earn more rewards, the right card's out there. Theres no one best cash-back credit card for everyone. If youll have trouble paying off the balance every month, a cash-back card or any reward card might not be for you. All financial products, shopping products and services are presented without warranty. The Wells Fargo Active Cash Card offers an unlimited 2% cash back on all purchases and has an annual fee of $0. Flat-rate cash-back cards give you a set percentage of cash back regardless of what you buy with the card. Find out how at chase.com/digital/spend-instantly Opens in a new window. No rotating bonus categories to sign up for as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. High cash-back rewards in several categories of spending, No enrollment is required, cash back is automatic, Comes with several travel benefits and protections, 6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%). This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC. This offer is non-transferrable. Chase Freedom Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Now it's even better, with bonus rewards on travel booked through Chase, as well as at. Its also much simpler and doesnt require a time investment in order to redeem rewards. You can also easily calculate your earnings so you know precisely what to expect. Our Cashback credit card rewards you with unlimited cashback on all spends of up to 5%, 20% for the first 6 months with top merchants with zero annual fees. 7. Clickable card art links to Chase Freedom Unlimited (Registered Trademark) credit card refer a friend page, Begin disclaimer. Heres a quick look at their advantages and disadvantages compared with other types of cards. Bank of America, N.A. 1% Cash Back on other purchases. Discover will automatically match all the cash back you've earned at the end of your first year! Consider the. Cashback credit cards provide you cashback on all your spends, but most of them come with accelerated cashback offers on selected categories. When evaluating offers, please review the financial institutions Terms and Conditions. A credit score in or above the recommended range means you have a higher chance of approval, but doesnt guarantee it. Cash back can be redeemed for statement credit, gift cards, electronic . So how do we make money? )** Same page link to disclaimer. 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. For example, airline cards often offer, Still, while travel dreams are more exciting than another $90 in cash back on your credit card statement, cash-back credit cards might actually be the right choice for most people. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Cash Back and Points: "Cash Back rewards" are the rewards you earn under the program. Instant Digital Credit Card with Unlimited Cashback You can apply for an Instant Digital Credit Card online through 'MyInfo' Standard Chartered. Chase Amazon Prime Card $5,000 limit, 06/2021 . A common redemption option is to book travel through the points portal to get 25% more value with every point. Cardholders who spend enough to max out their rewards subsequently earn at a base rate of about 0.40% on remaining spend that month. Youll earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. The Forbes Advisor editorial team is independent and objective. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, Bank of America Unlimited Cash Rewards credit card, on Bank of America's website, or call (800) 343-3246, Best for Flat-rate cash back: Bonus offer + incentives. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. New longer intro period! Some cards have a threshold amount maybe you need to earn $25 in cash back before you can redeem, for instance. When you earn credit card points, you can redeem them as cash back (often, but not always, equivalent to 1%) or you can redeem them for other rewards through the program. Helping our customers meet their financial needs is important to us. No minimum to redeem for cash back. To view rates and fees for Blue Cash Preferred Card from American Express please visit this page. ** Same page link to disclaimer, You can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. Your responses will help us improve the Bank of America digital experience for all our customers. Be sure to check with your bank or financial institution and a tax advisor to be certain. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Read More: How To Choose a Cash-Back Credit Card. Begin additional benefits overlay content. If you change to another Chase credit card during the promotional period, your benefits may change. It's even more attractive with its current welcome bonus of S$250 Grab vouchers for new-to-UOB Credit Cardmembers. Best for Flat-rate cash back: High ongoing rate. When evaluating offers, please review the financial institutions Terms and Conditions. To receive the membership benefits, the primary cardmember or authorized user(s) must first add their applicable Chase credit card as a default payment method in the DoorDash or Caviar mobile applications, and then click the activation button. Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, 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). If you have bad credit or youre a student, there are specialty cards for you. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits with no annual fee (Terms apply. If you spend that same amount with the Ally Unlimited card, you'd only receive $170 cash . Membership must be activated with a United States address. You may see "5% Cash Back rewards" in marketing materials to refer to the 3.5% Cash Back rewards earned in addition to the 1.5% Cash Back rewards earned on all purchases. Earn 2% cash-back on all purchases (1% when you buy and another 1% when you pay) Access to Citi Entertainment. New cardholders who apply through NerdWallet get this bonus 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! Factors in our evaluation include each card's cash-back earning rates, rewards structure (such as flat-rate or tiered categories), annual fee, redemption options (including minimum redemption amounts), promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as loyalty bonuses or the ability to choose one's own rewards categories. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. The 5% categories regularly include big line items in many household budgets: grocery stores, restaurants, Amazon.com. In addition, some welcome bonuses are considered taxable income. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel and others. Thats because you can transfer the points earned on your Freedom Flex to one of these premium cards where they can be redeemed for 25% to 50% more value through Chase Ultimate Rewards or Pay Yourself Back. We tried. A cash-back credit card allows cardholders to earn a percentage back on eligible credit card spending. 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. And don't sleep on the sign-up offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. You will receive the $200 back in the form . So it applies to groceries, cleaning supplies, toiletries, prepared meals and anything else bought at the supermarket. 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. It pays unlimited 1.5% cash back on everything and comes with a sign-up bonus. If your household spends a lot on groceries, gas, transit and streaming services, the. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Opens Balance Transfer Credit Cards page in the same window. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. You dont have to hunt for the most valuable redemptions and dont have to worry about getting below-average value. Same page link to offer detail reference. Contactless Cards - The security of a chip card, with the convenience of a tap. Earn 6% back at U.S. supermarkets on up to $6,000 spent per year (then 1% back); 6% on select U.S. streaming services; and 3% back at U.S. gas stations and on transit. As a cardholder, youll also receive cell phone protection when you pay your cell phone bill with your Freedom Flex card. ** Same page link to disclaimer reference These benefits are available when you use your card. There are three basic kinds of cash-back credit cards: Flat-rate cards pay the same cash-back rate no matter what you buy. Terms apply. Cashback credit cards possess various amazing features of unlimited cashback credit card, which are listed below: 1. Discover will automatically match all the cash back you've earned at the end of your first year! 2022 Forbes Media LLC. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. Relatively low sign-up bonuses. 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. Many of the best hotel credit cards give you a free night's stay each year. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Plus my credit limit doubled after the first 6 months! * Same page link to Offer Details, Decline the rental company's collision insurance and charge the entire rental cost to your card. If you change to another Chase credit card during the promotional period, your benefits may change. All financial products, shopping products and services are presented without warranty. Member FDIC. Annual Fee: $0 This card gives you 2% cash back on all purchases: 1% for every dollar you spend and another 1% for every dollar you pay off. To view rates and fees for Blue Cash Everyday Card from American Express please visit this page. 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities). Access your weekly score for free anytime, and dive into our resources like our score simulator and score factor breakdown to understand where you stand. Cashback Rate: 1% cashback on all transactions; Joining Fee: Rs. The key is to make sure paying the annual fee is worthwhile mathematically. All other purchases earn 1% back. 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. Enrollment required. The study found that domestic travelers who spend less than $8,600 per year on travel earn more rewards with a cash-back card than a travel rewards card, especially if they hold the card a long time. Our pick for: Customizable rewards wide selection of categories. Amazon.com Shop with Points service terms apply. Unlimited 1.5% cash back Earn unlimited 1.5% Cash Back rewards on every purchase made for your business. In addition, be sure to cash out your rewards before you close a credit card account. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default. You could turn $150 cash back into $300. The combined 2% rate on all purchases is probably the best you're going to do on a card with a. offers something unique in its class: 5% rewards that are automated based on your spending and don't require any "activation" or bonus-calendar tracking. 5% Cash Back in the grocery store category (excluding Walmart and Target) until the earlier of the end of your first 12 months or first $12,000 spent: Youll earn 5% Cash Back rewards total for each $1 spent on purchases in the grocery store category (excluding Walmart and Target) made within your first 12 months from account opening, or until you reach $12,000 in grocery store purchases, whichever occurs first (3.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). Earn 8% cash back on Capital One Entertainment purchases. Offer subject to change. Make sure to choose one based on your spending pattern. Opens Hotel Credit Cards page in the same window. Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Some of our selections for the best cash-back credit cards can be applied for through NerdWallet, and some cannot. Cash back is the most flexible of all credit card rewards. 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. However, this assumes youre well-versed on the programs strengthsand have the flexibility to take advantage of them. Rotating bonus category credit cards offer a high cash-back rate, typically 5%, in specific categories that change periodically usually every three months. Earn unlimited 1.5% cash back on all purchases. One con of a cash-back credit card is that theres an upper limit on your earnings. Overall Cashback Benefit. Cash Back Credit Cards. 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 Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 (You typically have to spend $500 to $1,000 in the first few months.) This puts it in competition with the best flat-rate cash back cards on the market. . If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. 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. Annual Fee: $0 Must have or create a valid DoorDash account. There are four types of cashback cards: 1. Terms apply. Membership will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. Best for Flat-rate cash back: High ongoing rate + incentives, Earn unlimited 2% cash rewards on purchases. Alliant Cashback Visa Signature Credit Card, is designed for big spenders, although perhaps not the. Bonus rewards: 5%/3% categories + high ongoing rate. HDFC Bank MoneyBack Credit Card. This compensation comes from two main sources. 1.5% Cash Back: Youll earn 1.5% Cash Back rewards for each $1 spent. It also offers some travel benefits including trip cancellation and interruption insurance, travel and emergency assistance services and secondary auto rental collision damage coverage. You'll earn 2% cash rewards on all purchases, among the best rates on the market for products in its class. Earn 2% cash-back on all purchases. This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. Flat-rate cash-back credit cards earn the same percentage back on your eligible spending, typically anywhere from 1% to 2%, without any spending caps or category restrictions. This card also puts you in charge of your new cardmember bonus. Thats because cards with annual fees often have more lucrative rewards like higher cash-back rates for some or all of your spending. It pays a lower cash-back rate on dining and entertainment than the regularSavor card, but the rewards are nevertheless quite good. $900 Cash Back After You Spend $6,000 On Purchases In The First 3 Months From Account Opening: You will receive 90,000 bonus points with this bonus offer, which can be redeemed for $900 cash back. There's a great 0% intro APR period and a strong welcome offer, among other benefits. Cashback applicable categories. Annual Fee: $0 The value in this card is all in the rewards rate, so there's no sign-up bonus or 0% period for purchases. 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. (The 3% options are gas, dining, travel, online shopping, drugstores or home improvement and furnishings; you can change your choice once a month.). End disclaimer. Gas stations. Great card for everyday purchases and racking up bonus points! 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). , accessible through your credit card login, can help you earn extra cash back on your web-based purchases, sometimes up to 10 times as much. This works very well for those who like to shop online but do not want to be limited to a particular website. You'll earn 2% cash rewards on all purchases, among the best rates on the market for products in its class. 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. $0 intro annual fee for the first year, then $95. She's a credit card enthusiast and digital nomad who has leveraged credit cards to travel around the world for next to nothing, often in style. Big spenders at US supermarkets and road warriors who frequently spend at US gas stations or transit like taxis, rideshares or transit can rack up impressive cash back rewards. After the DashPass discounted period ends, you will continue to be enrolled and charged the then current monthly DashPass rate until you cancel. Points expiration/losing points: Your points dont expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Refreshed with new benefits, including higher rewards in some of the most popular spending categories, the Blue Cash Everyday Card from American Express is a strong contender for fee-averse families. Shop as you normally would and get a fantastic rewards rate on EVERYTHING. Other Benefits and Drawbacks: Like the Discover it Cash Back, the biggest downside to the Discover it Balance Transfer is that you have to remember to activate the bonus categories each quarter or you wont earn the higher cash-back rate. * Same page link to Offer Details We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet. Earn up to $250 Heres How: Earn up to $150 back when you shop with PayPal. Discover helps remove your personal information from select people-search websites. The Green Dot Bank Unlimited Cash Back Bank Account Visa Debit Card earns an impressive 2 percent cash back on online and mobile purchases, plus it throws in a 2 percent APY savings account (on . This card earns 2% cash back when you redeem your rewards into a SoFi Money, SoFi Invest or SoFi Crypto account, or when you apply them to the outstanding balance on a SoFi loan. For the first 12 months after account opening, you earn 3% cash back on new net retail purchases (qualifying purchases less credits, returns, and adjustments) until you have spent $20,000 USD or equivalent. To qualify and receive your bonus, you must make Purchases totaling $6,000 or more during the first 3 months from account opening. , which can be aspirational visions of earning a free flight to Bora Bora in first class or a night at a swanky hotel in New York City. earns bonus cash back in quarterly categories that you activate. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees, and other Lyft products and services are excluded from this promotion. Welcome Offer: Earn $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Click the card name to read our review. You can earn $100 cash back for each friend who gets any participating Chase Freedom credit card. Non-transferable. Note that we cannot reply to questions asked via this form. If you carry a balance from month to month, the interest can quickly gobble up more than you're earning in cash back. The Freedom Flex also offers travel benefits including trip cancellation and interruption insurance, travel and emergency assistance services and secondary auto rental collision damage coverage. NerdWallet strives to keep its information accurate and up to date. If you need to transfer a balance, look for a balance-transfer credit card. $200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Points and miles can have squishy value and limited flexibility when redeeming. Cash-back cards are great for many people, but not everybody. Tiered cards pay higher rates at specific types of merchants, such as grocery stores or restaurants, and a lower rate (usually 1%) everywhere else. It usually doesn't extend to gas stations affiliated with supermarkets or warehouse clubs. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. Cardholders earn 1.7% limitless cashback on all spend categories typically excluded from other cards, such as: insurance, school fees . For larger households, this can be one of the most valuable categories to get accelerated rewards. 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities). Few perks. Bank of America Unlimited Cash Rewards Credit Card, Low Intro APR Balance Transfer Credit Cards, Interstitial Link: language-change | Placeholder - hidden, Credit Cards with No Foreign TransactionFees. Flat-rate cards typically pay 1% to 2% on everything. To protect your identity, please do not submit personal or account information. Opens No Annual Fee Credit Cards page in the same window. is one of many 1.5% flat-rate cash-back cards on the market. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. Get a 0% intro APR for 15 months on purchases. Before applying, confirm details on the issuers website. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. The sign-up bonus is smaller than on the annual-fee version, too, but it's still solid. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. You could turn $150 cash back into $300. New cardholders get a great 0% intro APR period for purchases. Earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1% on all other purchases. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. In past years,those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. StanChart Unlimited Cashback Credit Card. Annual Fee: $0 intro annual fee for the first year, then $95 After that, your fee will be 5% of each transfer (minimum $5). Simplicity is this card's strength, but if you're willing to put in a little effort, you can score bigger cash back with other options, especially those with bonus categories. CREDIT PROFILE. Youre unlikely to find such valuable perks as reimbursement for TSA Precheck applications or free checked bags or early check-in at a hotel. is nice to get if your regular spending will be enough to earn it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. The categories might not be a good fit for everyone. * Same page link to Offer Details. For example, some cards offer elevated rewards on dining or travel and a lower rate on other areas of spending. Others let you redeem any amount at any time. If you don't have significant grocery expenses, however, this simply isn't the card for you. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. INTRO OFFER: Unlimited Cashback Match only from Discover. All deliveries subject to availability. And others might allow you to transfer cash-back points to another card program where strategic use might yield better value. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks. There's a good bonus offer for new cardholders, too. It pays unlimited 1.5% cash back on everything and comes with a sign-up bonus. We'd love to hear from you, please enter your comments. Learn More About Preferred Rewards. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership. (subject to a $25 deductible). will more than make up for it for families that spend a lot on groceries, gas, transit and streaming. All other purchases earn 1% back. Other Benefits and Drawbacks: The biggest downside to the Discover it Cash Back is the need to remember to activate the bonus category each quarter or you wont earn the higher cash-back rate. 500, reversed on annual spends on Rs. The list of eligible 5% categories is varied and includes biggies like restaurants, grocery stores and more. But the card also features a generous sign-up bonus: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 18.74%, 23.74%, or 28.74% Variable APR. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. The annual fee will be a sticking point for some, but the rewards will offset the fee if you spend just $31 a week at the supermarket. There are many great cash back cards on the market, but the card that will earn you the greatest rewards depends on your spending habits. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. 6% Cash Back on select U.S. streaming subscriptions. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Other bonus categories you might see include entertainment, drugstores, home improvement stores, wholesale clubs and mobile wallet purchases. And the annual fee is an unbeatable $0. Opens Airline Credit Cards page in the same window. 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. You'll need a PayPal account, but if you're the sort of person this card appeals to, you probably already have one. No annual fee and no expiration on rewards. You can find plenty of choices with no annual fee or reasonable fees if you want superior cash-back rewards. The Wells Fargo Active Cash Card is a Forbes Advisor top pick for a flat-rate cash-back card, earning 2% cash rewards on purchases. The annual fee is high for a cash-back card, but the stellar rewards rates on the Blue Cash Preferred Card from American Express will more than make up for it for families that spend a lot on groceries, gas, transit and streaming. Canada's Best Cash-Back Credit Cards Best for flexible rewards + our pick for fair credit and balance transfers Tangerine Money-Back Credit Card Annual Fee $0 Interest Rates 19.95%. The Discover it Balance Transfer is nearly identical to the Discover it Cash Back, except for the intro APR offer of 0% intro APR for 6 months on purchases and 18 months on eligible balance transfers. Relationship-based ads and online behavioral advertising help us do that. See Instacart Terms of Service for more details. Opens Newest Credit Card Offers page in the same window. * Same page link to Offer Details And there is no minimum to redeem for cash back. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. 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