Cash Back Rewards Cards

1. Capital One Quicksilver Cash Rewards Card

Capital One Quicksilver card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cash back on everything"

A card with easy to understand cash back rules — 1.5% cash back anywhere, on all purchases. There are no rotating categories to manage or spending caps to watch out for. So if your spending habits include a wide range of categories, a flat rate card like this might be your best choice. You can also easily redeem the cash back earned (even from the mobile app) with a statement credit, gift card, or bank deposit.

In addition to cash back, this card also has an awesome intro APR offer which gives you 0% on purchases and balance transfers for 15 months. There is also a nice sign-up bonus that gives you $150 after you spend $500 within 3 months of opening your account. And to top off all of the awesome perks this card includes, there is also no annual fee to use the card.

Key features:

Welcome Offer: Get a one-time $150 cash bonus after you spend $500 in qualifying purchases within 3 months of opening your account
Cash Back Rate: Unlimited 1.5% cash back on all purchases, every day — no rotating categories to deal with
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no earning limit
Introductory APR: 0% intro APR on all purchases for 15 months — 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred within the first 15 months)
Fees: There is no annual fee or foreign transaction fees
Extra Perks: Includes Visa Signature benefits — offering shopping discounts, travel upgrades, as well as preferred seating at concerts and sporting events

2. Capital One SavorOne Cash Rewards

Capital One SavorOne Cash Rewards card art
Recommended Credit:
720850
Excellent Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"3% cash back means cheaper bar tabs"

Capital One SavorOne Cash Rewards is an optimal choice for people with Excellent Credit. With enticing perks like cashback rewards and intro APR offers on purchases and balance transfers, this card pulls out all the stops. For savvy credit users, this is a great credit card for anyone who spends on dining and entertainment. Here’s what we love about SavorOne:

Initially the Capital One SavorOne Cash Rewards may look like any other rewards credit card, but peel back the surface and there’s a lot of perks for frequent diners. Unlimited 3% cash back on entertainment is the most significant. That’s far above average rewards for doing something you are doing anyway, dining out! However, if you choose to dine in, you get 2% at grocery stores. Still, there’s 1% on all other purchases. So no matter how or where you dine, you’re earning something.

If revenge is a dish best served cold, get back at your mountain of credit card debt by taking advantage of 0% for 15 months on balance transfers. Not only that, but you also get 0% for 15 months on purchases too. Use that incentive to revamp the space where you dine, remodel your kitchen or just make a big purchase you’ve been dreaming of.

All in all, we think this card is pretty great. The major drawback is that you have to have Excellent Credit to get approved. If you’re a planner who has inconsistent credit, consider the Capital One SavorOne Cash Rewards your #creditcardgoals in the years to come. If you have a great credit score and are hungry for savings, this is a stellar card to add to your wallet.

3. Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.8% cash back w/ ApplePay® or GooglePay™"

The adage “money talks” exists for a reason. But perhaps, it’s never been truer than with Wells Fargo Cash Visa credit card. That’s because not only do you earn cashback on purchases, but the Cash Wise Visa card can help you keep the conversation going if your cell phone gets stolen or broken. Obviously, you’re here to learn if this card is right for you. So here are all the details you need to know about the Wells Fargo Cash Wise Visa card:

This isn’t your average, everyday cashback card. It has above average perks, but as such, it’s a card for high-rollers looking to spend tens of thousands of dollars each year on their credit card. And for those who have the credit score to back up that kind of shopping.

Anyone interested in applying for this card should have a minimum credit score of 690. That means to get the best APR available you should apply with excellent credit. If you’re looking for a cashback rewards card that offers similar advantages to average spenders with average credit, this card is not the one for you.

Since the Wells Fargo Cash Wise Visa card tends to offer the same rewards across all spending categories, it’s recommended for shoppers whose spending profile touches on a wide variety of retailers. This card rewards you for shopping online with a qualifying digital wallets, too! The bottom line is if you’re going to make the most of this card, you need to shop ‘til you drop. And do it responsibly.

Wells Fargo offers a number of standard perks that come with this card. These include robust security features like 24/7 fraud monitoring, zero liability protection on purchases and rapid push alerts that keep you on top of any red flags on your account.

There are some additional features that shoppers will receive when they signup for the Cash Wise card, these include:

These benefits make one thing clear, when you are a Cash Wise user, Wells Fargo has your back. But the selling point of this card is an offer of cold, hard cash. As a cashback card, the Cash Wise credit card offers cash on all purchases without rotating categories, and incentives when you shop online with your digital wallet. That's great news for shoppers who use Apple Pay, Google Pay, Samsung Pay or Wells Fargo Wallet.

Like most cards by Wells Fargo, it also offers introductory perks and bonuses that can make it an even more lucrative card for the right type of spender.

Because of the benefits a Wells Fargo credit card has to offer, you may be biting at the bit for the Cash Wise Visa. But proceed with caution to determine if this is the right card for you.

It’s not that this isn’t a good card; we believe it is. But it isn’t geared toward the average consumer. The person who will get the most rewards from this card is an elite breed of high spender with above average credit.

If that doesn’t sound like you, there are a number of other cashback cards reviewed on this site like the Capital One Quicksilver Cash Rewards, Citi Double Cash card, The Chase Freedom Unlimited and Discover it Cashback Card. Any single one of these might be a better fit for moderate spenders looking to reap no frills, flexible cashback rewards.

Reviews of the Cash Wise card seem to be split down the middle. Most negative reviews come from people seeking cashback relief from this card after a one-time large purchase. That’s not what this card is designed for. There are other cards better suited for those seeking to make a large purchase and recoup some of their money back in the form of lucrative bonuses delivered in a timely, easily redeemable way.

Considering the advantages of the Cash Wise card, it’s a good deal for people who spend a lot on credit anyway, pay off their balance each month and have a credit score in the range of good to excellent. If this sounds like you, it’s especially rewarding if you use it to pay your cell phone bill because it can help you in a jam, should your device get stolen or broken. It also rewards people who use digital services like Apple Pay on their smartphone with additional cashback incentives.

For the executive on-the-go who has plenty of disposable income and spends a lot of time tapping away on a smartphone and shopping online, this card offers a lot. Wells Fargo keeps busy customers safe by offering security and protection that helps consumers who don’t have time to check-in often. That’s in addition to cashback rewards on purchases. Who wouldn’t want to get in on that?

But if you are an average consumer, looking to make a one-time, large purchase on credit and need flexible cashback rewards and bonuses to offer financial relief, there are certainly better cards. And if you are a traveler, you might get more out of Wells Fargo Propel American Express, or another card that rewards your wanderlust.

4. Chase Freedom Unlimited

Chase Freedom Unlimited card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cashback & no annual fee"

This is my #1 pick in the flat rate cash back category. This card offers 1.5% cash back on all purchases with no limits and no need to worry about rotating categories. The redemption options are great too. You can redeem your rewards for cash, gift cards, statement credits, merchandise or book travel through the Chase Ultimate Rewards® portal.

As an added bonus for loyal Chase cardholders, this card pairs nicely with some of their other flagship cards. If you already have the Chase Sapphire Preferred or Chase Ink Business Preferred, you can transfer the points you earn with this card to those cards and maximize your rewards value.

Key features:

Welcome Bonus: 3% cash back on every purchase made in year 1, up to $20,000 spent. After, earn unlimited 1.5% cash back on all purchases
Cash Back Rate: 1.5% cash back on all purchases
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months - 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transfer fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Additional features include purchase and price protection. Helping to protect your belongings as well as protect you from overpaying.

5. Capital One Savor Card Review

Capital One Savor Rewards card art
Recommended Credit:
720850
Excellent Credit

Dining

4%

Annual Fee

$95

Why We Like It:

"Go out more; 4% cash back dining/entertainment"

If groceries and eating out make up a big part of your monthly budget, the Savor Rewards card is an excellent choice. Foodies, rejoice! The credit card you've been looking for is here. Well, it's been here since October 2017, when the Capital One Savor replaced the bank's Premier Dining Rewards. And it's definitely good news for those who love dining, drinking and even Instagramming their gastronomic exploits.

Because on top of sweetening the benefits, the Savor card delivers a combination of food-centered cash back rewards in one tasty experience. You can expect more cash back on dining, entertainment and groceries than every other purchase. All of that, plus other benefits, make the Savor one tough cookie to beat when it comes to getting rewarded for something as enjoyable as wining and dining.

The Savor's three-tier cash back system is unique. Food makes the world go round. And it also makes the Savor card worth your time and money.

Before you fill in the application, ask yourself these questions:

If you answered yes to two or more of these questions, then you should consider getting yourself the Savor and making it your main credit card. Terms apply.

6. Chase Freedom

Chase Freedom card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"5% cashback per quarter ($1,500)"

Cardholders earn 5% cash back in rotating quarterly categories, up to $1,500 in spending per quarter. All other purchases earn a flat 1% cash back. To get the 5% rewards, members must opt in to the bonus categories each quarter. Forgetful? Not to worry, they allow you to opt in as late as the 14th day of the third month of the quarter. You also have access to Chase’s Ultimate Rewards site which allows you to get even more back when you redeem.

Everyone loves bonuses and the Chase Freedom® has a great sign up bonus. Earn $150 after spending $500 on purchases in your first 3 months after opening your account. The card also has an intro APR of 0% on purchases and balance transfers for 15 months and offers a $0 annual fee.

Key features:

Welcome Bonus: Get a one-time $150 cash bonus after you spend $500 in qualifying purchases within 3 months of opening your account
Cash Back Rate: 5% cash back on quarterly rotating categories (up to $1,500 per quarter). Unlimited 1% on everything else, include any rotating category spending above $1,500
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months — 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transaction fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Purchase Protection that covers all purchases made with your Chase Freedom card against theft, damage, and loss for 120 days (up to $500 per claim and $50,000 per account)

7. Discover it Cash Back Rewards Card

Discover it Cash Back card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"5% cashback rotating categories"

The Discover it Cash Back card is a solid card for people who want to maximize cash rewards and don't mind if their purchases only fit certain categories. Considering that Discover matches all the cash back you've earned at the end of the first year, there's a lot to like about getting that on top of bonus cashback incentives in the rotating categories. If you want a great, all-purpose cashback card on both purchases and balance transfers, it's hard to beat the Discover it Cash Back. Provided you can fit your spending within specific categories, this is definitely a card you'll want to have on hand for shopping!

One of the points to keep in mind with the Discover it Cash Back card, is you'll need to activate your bonus categories at the start of every quarter. Fortunately, you can activate the bonus categories through the Discover it card account center online or by phone. Categories change every year, but generally tend to follow a broad spending category. These categories include: Amazon and wholesale clubs, grocery stores, transportation gas stations, Uber and Lyft and restaurants.

Another notable feature is {aprs.purchaseIntro.displayText} For this reason, it makes a great card for a balance transfer or one time purchase. As for balance transfers, there is a fee: {fees.balanceTransfer.displayText}. That said, Discover cards are accepted at 97% of stores in the U.S. The variable APR range of {aprs.purchase.minimum}% to {aprs.purchase.maximum}% isn't too bad either. On the high end, it's above average, but that range is inline with other cards of this caliber. Ultimately, choosing the right card means taking a closer look at your lifestyle, your goals and which features are the most important for your needs. If the Discover it Cash Back card fits your needs, we would highly recommend putting it first in line.

8. Blue Cash Preferred Card from American Express

American Express Blue Cash Preferred card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$95

Why We Like It:

"6% cashback on U.S. groceries"

If you want a credit card with a low cash back threshold, plus cash back on everyday purchases like groceries or gas, the American Express Blue Cash Preferred card may be a good choice. Not only do you get cash back for buying everyday items with your card, you could also qualify for some introductory perks.

Even after any intro period incentives are over, the variable interest rate range is very competitive. It offers one of the lowest interest rates for those with excellent credit. But interest rates can change, so it’s important to understand other places where this card can offer value.

With 6% cash back rewards at local supermarkets, it’s a great incentive for families that cook and eat at home often. You can also get cash back at gas stations and even department stores. Just make sure you’re using your cash back bonuses. If you plan to, the Blue Cash Preferred by American Express is a great choice!

9. HSBC Cash Rewards Mastercard

HSBC Cash Rewards MasterCard Credit Card card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cashback on everything"

The HSBC Cash Rewards Mastercard is largely regarded as one of the better options on the market for those seeking to get cash back from their purchases. That’s because it offers above average cashback rewards on all purchases and a substantial anniversary bonus. It’s also widely accepted, anywhere you can use a Mastercard. Here are the details about the HSBC Cash Rewards card:

The Cash Rewards is a well-rounded card with straightforward benefits. It offers a slew of shopping perks like an extended warranty on eligible purchases and shopping assurance to cover items from damage or theft. However, it also appeals to travelers with its lack of foreign transaction fee, MasterAssist pre-trip planning and roadside assistance. These are a few benefits of partnering with Mastercard, in addition to its wide acceptance.

With the HSBC Cash Rewards Mastercard, what you see is what you get. That’s certainly true for it’s above average rewards, bonuses and exciting intro offers. All of the above, make this card a great one for anyone who enjoys the finer things in life like travel and shopping. However, if you want to be eligible for this card, you’ve got to have a credit score that matches its high rewards, that means you need to have a good to excellent FICO score to get approved.

10. Discover it Student Cash Back

Discover it Student Cash Back card art
Recommended Credit:
300
689
Fair, Bad, and No Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"Get paid for good grades"

The Discover it Student Cash Back is a credit card with some enticing rewards for students. In fact, parents can be happy that their children are using a smart credit card that even rewards students for good grades! Whether you’re a student looking to venture out into the world of credit, or a parent looking into options for your new college student, we’re giving all the facts on Discover it Student Cash Back!

What’s not to love about this Discover it card geared at students? First, unlike many cards of this caliber, the annual fee on this card is, well, None. That’s amazing for a card that offers access to people with Fair, Bad, and No Credit. The APR, while above average, isn’t extraordinarily high either at a rate of 15.24% - 24.24% Variable. On top of that, it offers these great perks to make any student feel like a VIP:

Whether you're a student who likes dining out or eating in, with the Discover it Student credit card, you’ll be able to have your cake and eat it too. The cherry on top is that you get rewarded for good behavior, and can monitor your credit score like a responsible adult. If you’re a student who wants to build great credit practices and reap awesome rewards, the Discover it Student Cash Back should make a good addition to your wallet.

11. Discover It Student Chrome

Discover It Student Chrome card art
Recommended Credit:
630689
Fair Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"Extra cash back at restaurants and gas stations"

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Let’s talk about APR. With the Student Chrome card, students will benefit from ${aprs.purchaseIntro.displayText} on all purchases. They also get ${aprs.balanceTransferIntro.displayText} on balance transfers. While this isn’t a balance transfer card, that’s still a below average rate. After the introductory period, your APR will bump up to a variable rate of ${"aprs.purchase.minimum}% to ${aprs.purchase.maximum}%.

It’s important to note that you should have a credit score of at least ${fico.minimum} before applying. It’s a student card, but not a card for someone who hasn’t started building their credit profile. Those who qualify will benefit from cashback rewards:

${description} Because this card is geared at students, it's excellent that it rewards good grades. There’s a lot to like about the Student Chrome card. If you’re a student looking to add some A+ plastic to your purchasing resources, this could be the card for you.

12. Credit One Bank Unsecured Visa for Rebuilding Credit

Credit One Bank Unsecured Visa for Rebuilding Credit card art
Recommended Credit:
300
689
Fair and Bad Credit

APR

26.24%

Why We Like It:

"Credit builder 1% cashback"

In a world driven by revolving credit, your worth as a consumer is judged by three little numbers. If you want to play in the big leagues, you need to build your credit. After all, your credit will impact whether or not you can qualify for a car loan, home loan or financing for emergency medical bills.

Even if you can qualify right now, a bad credit score will send your APR soaring out of left field on the big purchases you need the most. That kind of expense can cost you tons of money, and prevent you from reaching your goals of financial security. So what can you do?

That’s the million dollar question. In order to build your credit profile, you have to find one credit card you qualify for and use it strategically to raise your score. In all likelihood, if your credit is really bad, the options for the best card to use are probably pretty limited.

That’s where Credit One Bank comes in. With the Credit One Bank Unsecured Visa, you could be eligible for a card that allows you to build credit without a deposit and even offers small cashback incentives. Here’s what you need to know about building your credit with Credit One:

Credit One is clearly a bank that believes in second chances. This is evidenced by their lack of a minimum credit score requirement to apply. That means even if your credit score is in the tank, or maybe you never started building credit, you can apply and possibly get approved!

Even better, the credit approval comes in the form of a soft credit check that doesn’t impact your credit score and can be done online in under a minute. You’ll know instantly if you’re approved for this card and can start planning your pathway to better credit.

The minimum amount Credit One offers is slightly more flexible than some other cards for bad credit, especially secured cards which typically match your deposit. The Credit One Bank Unsecured Visa doesn’t require a deposit to offer you a small amount to start spending right away.

It’s also a good choice for credit users who want to practice building credit on a card with some rewards. While the cashback incentive on purchases is below average, that’s still a lot better than many cards for bad credit which don’t offer any cashback rewards at all.

In addition, Credit One offers credit score monitoring through their custom dashboards. As you make timely payments, you’ll see your credit score improve and you may be allowed credit line increases if you show you can handle it responsibly.

Essentially, what’s great about this card is that it offers a path to redemption. Whether or not that path is clear, however, remains to be seen—and we’ll cover that in detail below.

Since a desperate quest for gold isn’t likely to fix your financial woes, let's keep the focus on raising your credit score—which you can certainly do with Credit One. Still, there are a few things about this card that can seem confusing to consumers, so let's take a deeper look:

In addition to the above concerns, you can also expect to pay a higher than average APR. This occurs simply because your credit score isn’t great. It’s a standard practice across the industry to offer higher APR to consumers with fair credit or below, or no credit at all.

That said, most of the complaints that Credit One receives are about the fine print being so confusing, misunderstood or tricky to navigate. That alone doesn’t necessarily mean it’s a bad deal. If you understand these potential pitfalls and the limitations bad credit presents for you when applying for a credit card, you can still use this card to rebuild your credit.

So, how do you go about building your credit with Credit One Bank Unsecured Visa? Well, the same way you would with any card. It’s simple, actually:

The first step to building credit is creating a budget and knowing what you can afford to pay off each month. Do everything you can to make sure you aren't spending more than you can afford in a few weeks when it comes time to pay the bill. Consider the amount you put on the card an advance to yourself. When it comes to advances, you need to pay them off within the allotted period. In this case, it’s each month. Once you have a budget and know what you can afford to put on the card and pay each month, you're on the right track.

If you know what you can afford, you can start to give yourself spending categories that make sense for your lifestyle. Perhaps you can afford to fully pay off a $75 balance each month and you want to use it for gas. Or you’re going to use your card to get lunch at work each day. Whatever the case, set boundaries around how you spend money on the card so you don’t end up in a bind thanks to impulsive shopping habits.

It may go without saying that once you’ve created a budget and analyzed your spending habits and the reach of your income, you should set a limit on how much you can spend on your Credit One Bank Visa. But we’re going to say it anyway: Setting up a reasonable spending limit creates yet another boundary to protect you from yourself.

While not a physical step in the process of rebuilding your credit, it’s important to say you should only apply if you’re seriously ready to raise your credit score. If you aren’t responsible enough for credit or are trying to get a card to fund a big, non-essential purchase like new furniture or a vacation, you should really consider if you need this card in the first place.

The Credit One Unsecured Visa may not be the best card, overall, but for consumers with credit that has been devastated by financial peril, it could be the best option right now. Our recommendation is, if you decide to apply for a Credit One card, be aware of the potential drawbacks we've described and be ready to use it to build your credit—and for that purpose only.

It may be the only credit card you carry in your wallet for a few years, so you'll need to be patient. Just keep in mind that building credit is a slow process. Once you’ve used it to create healthy credit card spending habits, you can eventually graduate to a better card with better rates and fee structure—and one that doesn’t have so many blind spots.

When it comes to rebuilding credit, the bottom line is simple: Your options are going to be limited. But with a consumer-friendly choice like Credit One offers, you have the opportunity to build your credit while reaping moderate rewards, provided you read and understand the fine print.