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The Best Cash Back Credit Cards of 2018

If you're like a lot of people, you might feel a bit guilty because you spend a lot.

You spend a lot at the grocery store and gas station. You spend at restaurants and clothing stores, as well as paying bills and other necessities of life.

You shouldn't feel guilty because you spend what you need to live the life you choose. In fact, you should earn rewards for it!

If you have a family and live in a major American city like New York or San Francisco, your weekly total expenses (before rent) are probably over $1,000. That's not your fault – it's just the cost of living and there isn't a whole lot you can do to change it. But you shouldn't feel completely helpless because there is at least one choice you can make to take advantage of all that spending you do.

Cost of Living in the U.S.

Choosing a cashback credit card lets you put some of the money you spend every week back in your pocket. On the other hand, if you don't use a cashback credit card for your purchases, you are pretty much throwing money away.

Fortunately, there are lots of cashback rewards programs out there to choose from. A credit card issuer will often offer a cashback rewards card with no annual fee. If you use them correctly, cashback cards can save you hundreds of dollars every year.

We've looked at all the cashback cards offered by every credit card company and reviewed them to see which cashback rewards cards were the best for saving you money.

Choose one of the cashback credit cards listed below and start feeling better about what you spend.

Make sure you know the difference between a "cashback" credit card and a "rewards" credit card

Do you want cash, or do you want to travel? The difference between a cashback credit card and a rewards credit card can be confusing.

Basically, a cashback credit card gives you money back for purchases. It can be in the form of a gift card, a statement credit or a savings account deposit. A "rewards" card lets you earn points or miles for purchases that you can redeem for specific things like travel.

Let your lifestyle decide for you. When you're deciding whether to go with a rewards card or a cashback card, it's important that you choose the type of card that is most suitable for you.

If you travel a lot, a card that earns you travel miles makes senses. But if you're just looking to get back some of the money you spend so you can save on your budget, a cashback card is what you are looking for.

How we picked the best cashback credit cards

When we compared all the cashback credit cards out there, we checked out a few key features to determine which ones were the best.

Show us the money. The most important one was the bottom line: which cards gave the user the opportunity to earn the most cashback for their purchases. The cards that let you earn the most reward points for spending on purchases is what we were looking for.

It shouldn't cost to earn cash. We also looked at annual fees. If you're paying annual fees for a cashback credit card, it digs into your bottom line.

Intro bonus offers are a plus. Introductory sign-up bonus offers are not forever, but some of the offers out there can result in hundreds of dollars in your pocket just for signing up and using the card.

Cash Back Cards Base Rate

Apply when you know you've got some big expenses coming up

Time your application so you can get approved right before you are about to make significant purchases. You can carry a balance and not pay any interest for over a year.

Plus, you will double whatever cashback you earned on the big purchase.

Everyone should be earning cashback on their credit card spending

You're going to spend money. So why not get rewarded for it?

Always earn cashback. All the cards we've reviewed here let you earn cashback for the things you purchase.

Some are more straightforward than others. And if you want to maximize your earnings you can choose the cashback card that has rotating bonus categories.

Never pay an annual fee for cashback. Another thing every cashback credit card we reviewed here has in common is no annual fee.

The goal with a cashback credit card is to save money, so why would we recommend one that cost money?

Whichever one you pick, start earning cashback now and stop feeling guilty about your spending. You deserve to live the life you choose, and to get rewarded for it!

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Advertiser Disclosure:

The credit card offers that appear on this site are from credit card issuers from which receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.