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Best cash back credit cards

A cash back card pays you a small share of what you spend. A 2% card returns $2 on every $100.

The simplest cards pay the same rate on everything. Others pay more in set categories, such as groceries or gas, and less elsewhere.

Pick a flat-rate card if you do not want to track categories. Pick a category card if most of your spending falls in one or two of them.

We list 51 cards here. 43 have no annual fee. The largest welcome bonus we track is $500 on the Disney Inspire Visa. The longest 0% period is 15 months on the Discover It Cash Back.

A card is listed here when it pays cash back instead of points or miles. Sorted by highest cash back rate first, then welcome bonus. Facts match the main cards page.

Common questions

What is a good cash back rate?
A flat 2% on everything is the common top rate for a card with no category limits. Many cards pay 1% to 1.5% flat and more in set categories.
Is a cash back card with an annual fee worth it?
Only if the extra cash back is larger than the fee. Divide the fee by the extra percentage to see how much you must spend each year.

Card terms come from each issuer and can change. Check the issuer page before you apply. SwitchWize may earn a fee if you apply through a link marked as an offer.

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