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Last updatedJuly 2024

Our Best Cash Back Credit Cards of July 2024

Swipe, spend, and save. It's that simple.

Discover the power of a cash back credit card, where you earn money back with every purchase. Compare our best cash back credit cards and apply today.

All Cards Are:
Property lockSafe & Secure
CheckVerified & Vetted
TopTrusted Brands
Best Credit Cards
Best Credit Cards
Cash Back
Cash Back
Balance Transfer
Balance Transfer
Travel
Travel
Rewards
Rewards
No Annual Fee
No Annual Fee
Low Interest
Low Interest
citi-double-cash-card credit card logo
9.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Apply Now
on Citi's application
Citi Double Cash® Card
Credit Score
580+
Annual Fee
$0
Regular APR
19.24%-29.24% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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, for a limited time, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24

Welcome Bonus: 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

Intro APR: 0% intro APR for 18 months on balance transfers

See Rates & Fees

Learn more about Citi Double Cash® Card
bank-of-america-unlimited-cash-rewards-credit-card credit card logo
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.0
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.6
Apply Now
on Bank of America's application
Bank of America® Unlimited Cash Rewards credit card
Credit Score
670+
Annual Fee
$0
Regular APR
19.24%-29.24% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Unlimited 1.5% for every $1 you spend on all purchases

Welcome Bonus: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

Intro APR: 0% for 15 billing cycles on purchases and qualifying balance transfers, then a variable APR of 19.24% - 29.24%

Learn more about Bank of America® Unlimited Cash Rewards credit card
chase-freedom-unlimited credit card logo
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.8
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.8
Apply Now
on chase.com site
Chase Freedom Unlimited®
Credit Score
670+
Annual Fee
$0
Regular APR
20.49%-29.24%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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
Unlimited 1.5% cash back on all other purchases

Welcome Bonus: 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)

Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%

Learn more about Chase Freedom Unlimited® card
blue-cash-preferred-card-from-american-express credit card logo
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.8
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Preferred® Card from American Express
Credit Score
670+
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
19.24% - 29.99%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
6% cash back at U.S. supermarkets up to $6,000 per year in purchases, then 1%
6% cash back on select U.S. streaming subscriptions
3% cash back on U.S. gas stations and transit including taxis/rideshare, parking, tolls, trains, buses and more
1% cash back on other purchases
(Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit)

Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months

Intro APR: 0% intro APR for 12 months on purchases and balance transfers

Terms Apply, See Rates & Fees

Learn more about Blue Cash Preferred® Card from American Express card
bank-of-america-customized-cash-rewards-credit-card credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.6
Apply Now
on Bank of America's application
Bank of America® Customized Cash Rewards credit card
Credit Score
670+
Annual Fee
$0
Regular APR
19.24%-29.24% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3% cash back in your choice category
2% at grocery stores/wholesale clubs
1% on all other purchases
3% and 2% cash back on up to $2500 in combined quarterly purchases

Welcome Bonus: $200 online cash rewards bonus after you spend at least $1,000 on purchases within the first 90 days of opening your account

Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers, then a variable APR of 19.24% - 29.24%

Learn more about Bank of America® Customized Cash Rewards credit card
blue-cash-everyday-card-from-american-express credit card logo
9.1
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.3
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Everyday® Card from American Express
Credit Score
670+
Annual Fee
$0
Regular APR
19.24% - 29.99%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%
3% cash back at U.S. gas stations, on up to $6,000 per year, then 1%
(Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit)

Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months

Intro APR: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening

Terms Apply, See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express card
citi-custom-cash-card credit card logo
9.2
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.5
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Apply Now
on Citi's application
Citi Custom Cash® Card
Credit Score
670+
Annual Fee
$0
Regular APR
19.24%-29.24% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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
Also, earn unlimited 1% cash back on all other purchases

Welcome Bonus: 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

Intro APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24%-29.24%, based on your creditworthiness

See Rates & Fees

Learn more about Citi Custom Cash® Card
capital-one-quicksilver-cash-rewards-credit-card credit card logo
9.4
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on creditcards.com site
Capital One Quicksilver Cash Rewards Credit Card
Credit Score
670-850
Annual Fee
$0
Regular APR
19.99%-29.99% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on every purchase you make

Welcome Bonus: $200 when you spend $500 within the first 3 months

Intro APR: 0% intro APR for 15 months on purchases

Learn more about Capital One Quicksilver Cash Rewards Credit Card

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand's Products & Services Score, it will not be included in its calculation.
Editorial Reviews
Citi Double Cash® Card
Citi Double Cash® Card
Read Review
View all reviews

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Everything You Need to Know About Applying for a Cash Back Credit Card Online

In the age of digital banking, securing the best cash back credit cards has become a breeze. Online applications have simplified the process, ensuring you can access the best credit cards for cash back without stepping out of your home. With a few clicks, you can compare card benefits, interest rates, and, most importantly, cash back percentages.

How to Choose the Right Cash Back Credit Card for You

The plethora of cash back credit cards available might seem overwhelming. Here's how you can narrow down your choices:

Spending Patterns: Analyze where you spend most. If you dine out often, choose a card that offers higher cash back on dining. For those who drive a lot, cards that offer the highest cash back for fuel could be beneficial.

Annual Fees: Cash back credit cards with no annual fee are a great starting point for those wary of recurring charges.

Cash Back Percentage: If maximizing returns is your goal, lean towards the highest cash back credit card available.

Remember, the best credit card for cash back aligns seamlessly with your spending habits.

Cash Back Credit Cards 101

Before jumping into the world of cash back rewards, it's vital to grasp the basics:

Rewards Structure: Cash back credit cards typically offer a percentage back on your purchases. This could be a flat rate or vary by category.

Redemption: Understand how you can redeem your cash back. Some cards offer statement credits, while others might have direct deposits or checks.

Limitations: Some cards have caps on how much cash back you can earn in specific categories.

FAQs


Which is the best cashback credit card?

There isn't a one-size-fits-all answer. The best cashback credit card depends on your spending habits and preference for fees, rewards rates, and redemption methods.

How do cash back credit cards differ from points or miles cards?

Cash back credit cards offer tangible returns in cash, while points or miles cards provide rewards that can be redeemed for travel, merchandise, or other services.

Are there cash back credit cards with no annual fee?

Absolutely! Many of the best cash back cards come with no annual fee, ensuring you keep more hard-earned rewards.

With the proper knowledge, choosing the perfect cash back credit card becomes a rewarding experience. Explore, compare, and enjoy the benefits of smart spending.


Disclosures

Bank of America

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.