30 Best Money Back Credit Cards In 2024

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I’m going to talk about the best cash-return credit cards out there. There’re many different rewards offered by each card such as getting some of your money back on purchases.

It also redeems points earned for credits towards statements or gift cards, among other things like travel coverage and extended warranty protection.

It can be a wise decision for any knowledgeable customer to select the appropriate cash rebate credit card because not only does it save them funds, but it also brings along its beneficial features.

How To Choose the Best Money-Back Credit Cards?

While choosing the right credit card, you must keep in mind a few things:

Structure of rewards: The cards offering more than one per cent cashback on specific categories like groceries, gas and dining, where most of your funds are spent, should be preferred.

Bonuses for signing up: Some companies give away hundreds of dollars as a sign-up bonus if you spend a certain amount within the first few months.

Annual fees: Compare different yearly fees to make sure that they aren’t higher than what you will earn as cash back.

Redemption options: You should know about all the redemption options before signing any agreement. Some issuers might only offer statement credits, while others may allow direct deposits or gift cards.

Additional benefits or perks: There could be some other facilities which come with these cards, like travel insurance, extended warranty protection, etc.

Here is a list of The Best Money-Back Credit Cards

Here’s a table summarizing key features of the listed cashback credit cards:

Card NameAnnual FeeCashback DetailsSign-up BonusAdditional Benefits
Chase Freedom Unlimited$01.5% on all purchases$200 after spending $500 in the first 3 months5% cash back on travel purchased through Chase Ultimate Rewards
Citi Double Cash Card$0Up to 2% cash back: 1% when you buy, 1% when you pay off your purchasesN/A0% intro APR on balance transfers for 18 months
Capital One Quicksilver Cash Rewards$01.5% on all purchases$200 after spending $500 in the first three months0% intro APR on purchases and balance transfers for 15 months
Discover it Cash Back$05% cash back in rotating categories (up to $1,500 per quarter, activation required), 1% on all other purchasesCashback matched at end of the first yearFree FICO® Credit Score on statements
Bank of America Cash Rewards$03% cash back on a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings), 2% at grocery stores and wholesale clubs, 1% on all other purchases$200 after spending $1,000 in first 90 daysPreferred Rewards bonus
Blue Cash Preferred from American Express$956% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 6% on select U.S. streaming subscriptions, 3% on transit and U.S. gas stations, 1% on other purchases20,000 points (worth $200 in cash redemption) after spending $1,000 in the first 3 monthsCar rental loss and damage insurance
Wells Fargo Propel American Express Card$03% cash back on dining, gas stations, transit, flights, hotels, homestays, car rentals, and popular streaming services; 1% on other purchases$200 after spending $500 in the first 3 monthsCell phone protection
Capital One SavorOne Cash Rewards$03% cash back on dining, entertainment, popular streaming services; 2% at grocery stores; 1% on all other purchases$200 after spending $500 in the first 90 days0% intro APR on purchases and balance transfers for 15 months
U.S. Bank Cash+ Visa Signature$05% cash back on two categories of your choice (up to $2,000 combined spending per quarter), 2% on one everyday category (like gas or groceries), 1% on all other purchases$200 after spending $500 in the first three monthsCell phone protection
Chase Freedom Flex$05% cash back on rotating categories (up to $1,500 per quarter, activation required), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores, 1% on all other purchases$200 after spending $500 in the first three monthsLyft and DoorDash benefits
Discover it Chrome$02% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter, activation required), 1% on all other purchasesCashback matched at end of the first yearFree FICO® Credit Score on statements
TD Cash Credit Card$03% cash back on dining, 2% at grocery stores, 1% on all other purchases$150 cash back after spending $500 within 90 daysN/A
American Express Cash Magnet Card$01.5% cash back on all purchases4% cash back on gas, 3% on dining, 2% on groceries, 1% on all other purchasesPlan It® feature for large purchases
PNC Cash Rewards Visa Credit Card$0$150 after spending $1,000 in the first three months20,000 points after spending $2,500 in the first 90 daysN/A
Navy Federal More Rewards American Express$03x points at supermarkets, restaurants, gas stations, transit, and on all mobile wallet purchases; 1x on all other purchases$100 after spending $1,000 in the first three billing cyclesNo foreign transaction fees
HSBC Cash Rewards Mastercard$03% cash back on dining, 2% on groceries and gas, 1% on all other purchases5% cash back on up to $6,000 spent on gas and grocery-qualifying purchases in the first 12 months, 2% on grocery stores and 1% on all other purchasesNo foreign transaction fees
Citizens Bank Cash Back Plus World Mastercard$01.8% cash back on all purchases$200 after spending $1,000 in first 90 days0% intro APR on balance transfers for 15 months
PayPal Cashback Mastercard$02% cash back on every purchaseN/ANo foreign transaction fees
SunTrust Cash Rewards Credit Card$0$100 cash rewards after spending $500 in the first three months$200 after spending $500 in the first three monthsN/A
Key Cashback Credit Card$02% cash back on groceries and dining, 1% on all other purchases$200 after spending $3,000 in the first 90 daysN/A
Alliant Cashback Visa Signature$99, waived first year2.5% cash back on all purchases$100 account credit after spending $1,500 in the first 90 daysNo foreign transaction fees
BBVA ClearPoints Credit Card$03x points on dining, 2x points on groceries and utilities, 1x points on all other purchases2% cash back on restaurants, gas stations, and grocery stores (up to $1,500 spent per quarter in combined categories), 1% on all other purchasesCell phone protection, extended warranty, and travel insurance
Fifth Third Cash/Back Credit Card$0$100 cash back after spending $500 in the first 90 days$150 after spending $1,000 in first 90 daysNo foreign transaction fees
Synchrony Bank Cash Rewards Credit Card$02% cash back on dining and groceries, 1% on all other purchasesN/AN/A
TIAA Bank Rewards Credit Card$01.5% cash back on all purchases$150 statement credit after spending $1,200 in the first 90 daysN/A
Sallie Mae AccelerateSM Card$0Up to 3% cash back: 3% on grocery stores (up to $1,000 per month), 2% on gas and groceries, 1% on all other purchasesN/AUpromise Round Up to earn more cash back
ABOC Platinum Rewards Credit Card$05x points on up to $1,500 in combined purchases each quarter in popular categories, 1x on all other purchases$150 statement credit after spending $1,200 in first 90 daysN/A
Security Service Power Cash Back World Mastercard$01.5% cash back on all purchasesN/AN/A
UMB Simply Rewards Visa Credit Card$03% cash back on dining, 2% on gas stations and grocery stores, 1% on all other purchases$150 after spending $1,000 in first 90 daysN/A
Golden 1 Platinum Rewards Credit Card$03% cash back on restaurants, 2% on gas, groceries, and utilities, 1% on all other purchasesN/AN/A

30 Best Money-Back Credit Cards

1. Chase Freedom Unlimited

The Chase Freedom Unlimited card for cash rebate fans is a top pick that gives 1.5% money back on every purchase with no limits or expiration dates.

Furthermore, you can get dining out and drugstore transactions worth 3% and travel reserved through Chase Ultimate Rewards at 5%.

Chase Freedom Unlimited

It does not charge an annual fee; new account holders are also entitled to a hefty signup bonus. However, what really sets this credit card apart from others is its flexibility in earning rewards – making it great for optimizing everyday spending.

2. Citi Double Cash Card

Some people would say the Citi Double Cash Card is one of the best cashback cards available. Customers earn 1% on all purchases when buying them and another additional per cent as they pay off their debts.

Citi Double Cash Card

These percentages add up, giving you a total of up to two percentage points cash back on everything spent throughout any given billing cycle. This service comes without any annual fees, which makes sense because there aren’t any reward categories that need monitoring.

Ultimately, suppose someone wants constant benefits for each dollar spent regardless of where it’s used. In that case, the simplicity and competitiveness offered by this type of system may be ideal for their needs. It also offers a balance transfer option, which only increases its usefulness.

3. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a simple and easy way to earn money on every purchase.

There is no limit to the amount of cashback that can be earned, and there is no annual fee. In addition to this, new cardholders will receive a $200 cash bonus after spending $500 within the first three months, making it perfect for people who want uncomplicated, unlimited cash back.

Capital One Quicksilver Cash Rewards Credit Card

Also, for the first 15 months of membership, there is a 0% APR rate on all balance transfers and purchases made using this card.

4. Discover it Cash Back

That’s right: The Discover it Cash Back offers 5% cashback on various rotating quarterly categories (up to the quarterly maximum) when activated!

Moreover, they give unlimited 1% cash back on any other purchase, so this could be a really good option if you are looking forward to getting some.

Discover it Cash Back

Money back while shopping around too much at once because they match all rewards earned by their customer during their first year with them without charging anything extra as an annual fee, which makes it an even more attractive choice for many people out there who would like to save up some extra bucks each month!

5. Bank of America Cash Rewards Credit Card

For the Bank of America Cash Rewards credit card, 3% is given as cash back on any category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.

Bank of America Cash Rewards Credit Card

It is very flexible because it does not have an annual fee and offers $200 as an online cash rewards bonus when you spend $1000 within the first 90 days.

6. Blue Cash Preferred Card from American Express

The Blue Cash Preferred card from American Express offers a lot for its customers, such as 6% cashback at US supermarkets (up to $6000 per year), 6% on select US streaming services, 3% at US gas stations and transit, and also 1% on all other purchases.

Blue Cash Preferred Card from American Express

Despite having a yearly fee of $95, this can still be worth it due to high earnings rates coupled with a $250 statement credit after spending only $3000 within six months.

7. Wells Fargo Propel American Express Card

Offering 3% cash back on dining out and select streaming services, 2% at gas stations and travel, and 1% on other purchases.

Wells Fargo Propel American Express Card

It charges no annual fees and earns you a sign-up bonus of $200 after spending $1000 within three months. So,, if you want diverse reward categories for free,, then this card is perfect for you. Also, there is a 0% intro APR on purchases & balance transfers for 12 months.

8. Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card would give you 3% cash back on all dining transactions made worldwide. Moreover, it offers refunds of up to $300 per year towards any entertainment expenses such as movie, concerts, etcetera.

Additionally, it pays back popular streaming service subscriptions, including Netflix, among others, at the same rate, as well as grocery stores where shoppers can enjoy savings worth up to $180 annually through this feature alone; all other purchases earn 1%.

Capital One SavorOne Cash Rewards Credit Card

Just remember that there are no yearly fees associated with owning this card, too! And if that wasn’t enough already, then how about getting an extra two hundred bucks just by using your new credit card within three months of opening the account?

9. U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ Visa Signature Card offers 5% cash back on two categories you choose every quarter (with a $2,000 combined spending cap)

U.S. Bank Cash+ Visa Signature Card

2% at gas stations or grocery stores and 1% on all other purchases. It’s highly customizable and rewarding, with no annual fee and an initial bonus of $200 for spending $1,000 within the first 120 days.

10. Chase Freedom Flex

The Chase Freedom Flex card earns 5% cash back on up to $1,500 in quarterly rotating categories, travel booked through Chase Ultimate Rewards at that same rate, and 3% on dining and drugstores. All other purchases receive just 1%.

Chase Freedom Flex

With no annual fee and a sign-up bonus of $200 after spending $500 in the first three months of account opening, it can be used for many different types of transactions while still providing valuable rewards.

11. Discover it, Chrome

The Discover it Chrome card offers 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter) and 1% on all other purchases.

Discover it Chrome

This is an excellent card for everyday spending because there is no annual fee, and the first year’s cashback is doubled with Discover’s Cashback Match. The card rewards frequent dining as well as fuel expenses, so it would be helpful if used often.

12. TD Cash Credit Card

Dining gives 3% cash back with the TD Cash Credit Card, while groceries get 2%. All other purchases earn 1%.

TD Cash Credit Card

This card has no annual fee and offers a $150 bonus after spending $500 within the first 90 days. If someone eats out often and wants to maximize rewards for everyday shopping, then this would be their best bet. In short, this is an excellent credit card for daily use.

13. American Express Cash Magnet Card

All purchases made with the American Express Cash Magnet Card earn 1.5% cash back without any limit, which is a simple and rewarding choice for daily spending.

It has no annual fee and gives a $200 statement credit for making purchases worth $2,000 within six months of account opening.

13.American Express Cash Magnet Card

Hence, it suits people who want uncomplicated, unbounded cash rewards with no category tracking requirements, together with applicable Amex benefits and services.

14. PNC Cash Rewards Visa Credit Card

The PNC Cash Rewards Visa Credit Card offers four percent (4%) on gas,, three percent (3%) on dining,, two percent (2%) at grocery stores,, and one percent (1%) everywhere else.

You can get this card without having to pay any yearly charges, plus there’s also a two hundred dollars ($200) bonus after spending one thousand dollars ($1000) during your first three billing cycles, making it great

PNC Cash Rewards Visa Credit Card

if you’re looking forward to getting rewarded more heavily in areas such as fuel consumption or eating out while still earning something back on all other types of purchases,, too,, like groceries,, etcetera.

15. Navy Federal More Rewards American Express Card

The Navy Federal Credit Union More Rewards American Express Card gives 3X points at supermarkets, restaurants, gas stations and transit, and 1X points on all other purchases.

With no annual fee, you can earn 25,000 bonus points when you spend $3,000 in the first 90 days of account opening.

Navy Federal More Rewards American Express Card

This card is excellent for people who want to earn high rewards on their everyday expenses. You also get benefits such as no foreign transaction fees and multiple ways to redeem your rewards.

16. HSBC Cash Rewards Mastercard

The HSBC Cash Rewards Mastercard offers an unlimited 1.5% cash back on all purchases. It’s got no annual fee and a bonus of 10% anniversary bonus offer on all cash rewards earned each year of card membership so that it maintains consistency in its reward system.

HSBC Cash Rewards Mastercard

A new cardholder can earn $150 cash back after spending $500 on purchases within the first three months of account opening; therefore, it is simple yet rewarding for everyday spenders.

17. Citizens Bank Cash Back Plus World Mastercard

The Citizens Bank Cash Back Plus World Mastercard lets you earn 1.8% cash back on everything without any limits or categories to worry about.

Citizens Bank Cash Back Plus World Mastercar

This makes it a simple choice for people who want an uncomplicated rewards program. Moreover, this card has no foreign transaction fees and comes with various World Mastercard benefits that can be useful in your day-to-day life.

18.PayPal Cashback Mastercard

With a reward rate that gives back 2% of the purchase amount made in credit to your PayPal account directly, the PayPal Cashback Mastercard does not charge any annual fees, nor does it limit its customers’ reward caps or put restrictions based on categories; hence, it is perfect for those who prefer straightforward limitless cashback.

PayPal Cashback Mastercard

The rewards can be redeemed seamlessly through integration with PayPal, which also ensures maximum value on every purchase, both online and offline, thanks to its highly competitive rate of giving cashback.

19.SunTrust Cash Rewards Credit Card

The SunTrust Cash Rewards Credit Card offers 5% cash back on gas and grocery purchases (up to $6,000 spent annually, then 2%), plus 1% on all other purchases.

SunTrust Cash Rewards Credit Card

With no annual fee and a $200 bonus after spending $500 in the first three months, this card is a strong choice for maximizing rewards on everyday essentials — especially for drivers who frequently shop at supermarkets.

20. Key Cashback Credit Card

With its simple structure that offers a flat 2% cash-back rate on all purchases without charging an annual fee, there’s much to love about the Key Cashback Credit Card.

Key Cashback Credit Card

There are no categories to track or limits on rewards earned, which makes it perfect for people who value consistent and hassle-free money-back benefits across their entire spending.

Additionally, new account holders stand a chance of receiving as much as $200 in cash bonuses if they spend up to $1000 during the first two months.

21. Alliant Cashback Visa Signature Credit Card

The first year has no annual fee and offers 2.5% cash back on all purchases with the Alliant Cashback Visa Signature Credit Card (then $99 per year). ]

Alliant Cashback Visa Signature Credit Card

This is an excellent option for people who want to earn high rewards on everything they spend without having to keep up with different spending categories since there are none.

22. BBVA ClearPoints Credit Card

The BBVA ClearPoints Credit Card awards 2x points at grocery stores and gas stations, 3x points on dining out, and 1x points everywhere else.

BBVA ClearPoints Credit Card

It doesn’t charge an annual fee and gives you a $100 statement credit after you make $1,500 in purchases during the first 90 days; therefore, it may suit individuals who desire rewards based on their everyday spending habits and lifestyle preferences.

23. Fifth Third Cash/Back Credit Card

Use the Fifth Third Cash/Back credit card to acquire 1.67% cash back on all purchases with no limits or rotating categories.

Fifth Third Cash/Back Credit Card

It has no annual fee and a simple rewards structure, which makes it great for anyone who wants consistent cash back on everything they buy. In addition, users can redeem their points as statement credits for even more flexibility and value.

24. Synchrony Bank Cash Rewards Credit Card

Get 2% cash back on gas and groceries plus 1% on all other purchases with the Synchrony Bank Cash Rewards credit card. There is no annual fee or complicated rewards program, so it’s perfect if you want plain old-fashioned money in your pocket from using this card.

Synchrony Bank Cash Rewards Credit Card

Also, as a bonus convenience feature, customers can convert these rewards into statement credits at any time.

25. TIAA Bank Rewards Credit Card

Valid for dining and entertainment transactions, the TIAA Bank Rewards credit card gives 2X points while still awarding 1X points to all other purchases.

TIAA Bank Rewards Credit Card

Without any annual fees charged and having flexible redemption options, it is recommendable for people who often eat out or engage in entertainment activities. Furthermore, new holders are entitled to significant sign-up bonuses, which increase the company’s value proposition overall.

26. Sallie Mae AccelerateSM Card

Groceries that meet the required criteria attract a 3% cashback when paid using the Sallie Mae Accelerate card; gas and utilities will receive a reward of 2%, while everything else earns only 1%.

Sallie Mae AccelerateSM Card

It is suitable for people who want to save more money on household expenses since it does not charge an annual fee and has a simple rewards program based on everyday essentials. Moreover, there are additional benefits, such as extra bonuses in the form of cash back for those holding this type of card.

27. ABOC Platinum Rewards Credit Card

The ABOC Platinum Rewards Credit Card is an excellent choice if you’re looking for a high rewards rate. You’ll earn

ABOC Platinum Rewards Credit Card

5X points per $1 spent on up to $1,500 in combined purchases each quarter in rotating categories and unlimited 1X points per $1 spent on all other purchases. Plus, there’s no annual fee, and the rewards program is competitive with other cash-back cards.

28. Security Service Power Cash Back World Mastercard

If simplicity is what you seek, look no further than the Security Service Power Cash Back World Mastercard. It offers an unlimited 1.5% cash back on all purchases with no category restrictions or spending limits.

Security Service Power Cash Back World Mastercard

Additionally, there’s no annual fee, and the rewards structure is easy to understand – every dollar you spend earns you a flat-rate percentage of cash back.

29. UMB Simply Rewards Visa Credit Card

The UMB Simply Rewards Visa credit card gives triple points on gas, groceries, and discount stores and 1 point per $1 on any other purchases.

.UMB Simply Rewards Visa Credit Card

This is best for individuals who want to earn rewards for their everyday needs, as it has no annual fee and an easy-to-understand rewards program. Moreover, the cardholder can redeem their points in cash back, travel redemptions, and gift cards, among others, hence making them flexible.

30. Golden 1 Platinum Rewards Credit Card

The Golden One Platinum Reward credit card allows you to get 3% cash back on gas stations, grocery stores and restaurants while giving you a flat rate of earning one cent for all other purchases made using it.

Golden 1 Platinum Rewards Credit Card

With no annual charge coupled with its simple reward system that is designed around daily spending patterns, this could be an excellent choice for anyone seeking ways to earn money back from their everyday expenses easily. Additionally, cardholders may opt for statement credits or direct deposits for rewards redemption.

What Makes These Best Money-Back Credit Cards?

For a variety of buyer needs, these are among the best cashback credit cards available because they have a range of appealing features and advantages. First of all, such cards offer competitive rates of cashback, frequently giving up to 5% or more for specific types of purchases like dining out, grocery shopping, gas filling and travelling.

Also, many of them have rotating categories with higher rewards during certain months so that you can earn the most rewards possible from your spending pattern throughout the year.

Besides not having any annual fee, which makes it affordable to many people, unlike other expensive costs associated with some premium card products, another significant advantage is that they usually come with attractive signup bonuses that can be used as extra money or miles when you sign up for new credit card accounts.

Moreover, there are those which offer 0% interest for limited periods on both balance transfers and purchases made within the first few months after account opening; thus, this could save you hundreds or thousands of dollars in interest fees depending upon how much balance is being transferred along with what were your planned purchase amounts during the given period.