Top 20 Cash Back Credit Cards 2018

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Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Receive a $70 Amazon credit upon approval.

  • Prime members earn 5% cash back on Amazon and Whole Foods purchases. All card members earn 2% back on restaurants, gas stations and drugstores and 1% back everywhere else.

Annual Fee: $0

Bank of America Premium Rewards™ Credit Card (Rewards Rate Requires Platinum Honors Status through $100,000 with BoA or Merrill Lynch)

Bank of America Premium Rewards™ Credit Card (Rewards Rate Requires Platinum Honors Status through $100,000 with BoA or Merrill Lynch)

Earn $500 after spending $3,000 in the first 90 days.

  • Earn 2x on travel and dining. Earn 1.5x on all else.
  • Bank of America Preferred Rewards clients increase that bonus to 25% - 75% (BoA Platinum Honors customers with over $100,000 at the bank or Merrill Lynch receive a 75% premium on these amounts.)
  • Also receive a $200 annual travel statement credit which can be applied against the cost of TSA PreCheck and/or incidental airline charges.
  • $95 annual fee.

Annual Fee: $95

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

One-time $100 bonus after you spend $500 on purchases within the first 3 months.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • High rewards rate
  • No annual fee
  • 0% on Purchases and Balance Transfers for 9 months
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $100 $50
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $748 $374

Citi®Double Cash Card

Citi®Double Cash Card

N/A

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee
Rewards Rate 2.00% (1% cash back when you buy, plus an additional 1% as you pay for those purchases)
  • High rewards rate
  • No annual fee
  • 0% if you qualify for 18 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $864 $432
Annual Fee $0 $0
Annual Rewards $864 $432

Wells Fargo Propel American Express Card

Wells Fargo Propel American Express Card

Earn $300 after you spend $3,000 in your first three months of card membership.

  • Earn 3% cash back: (1) when you eat out or order in, (2) on gas stations, ride share and transit, (3) on flights, hotels and car rentals, and (4) on popular streaming services. Everything else earns 1%.

Annual Fee: $0

Barclays Uber Visa Card

Barclays Uber Visa Card

Earn $100 after spending $500 in the first 90 days.

  • Earn 4% back on dining, 3% back on hotels and airfare and 2% back on online purchases. 1% on everything else.

Annual Fee: $0

Discover it® Cashback Match™ (Doubling of Cash Back in First Year Only)

Discover it® Cashback Match™ (Doubling of Cash Back in First Year Only)

New cardmembers earn 2x cash back in their first year.

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
The Discover it® - Cashback Match™ offers 5% cash back in categories that you activate, on up to $1,500 in spending per quarter. All other purchases earn 1% cash back. Past categories have included such common merchants as gas stations, restaurants, home improvement stores and Amazon.com, so there's a good chance of earning bonus cash back on spending you were going to do anyway.

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $336 $168
Rewards from spending $672 $336
Annual Fee $0 $0
Annual Rewards $1008 $504

Wells Fargo Cash Wise Visa® Credit Card

Wells Fargo Cash Wise Visa® Credit Card

Earn $200 cash rewards bonus after spending $1,000 in net purchases in the first 3 months

  • Earn unlimited 1.5% cash rewards on everyday net purchases
  • Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ mobile wallet net purchases during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • High Rewards Rate
  • No Annual Fee
  • 0% intro APR for 12 months on purchases and balance transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $200 $100
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $848 $424

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Earn $250 Back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. 

  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • Leading cash back rewards for groceries
  • Sign-up bonus
  • 0% APR for 12 months on purchases and balance transfers

Annual Fee: $95

Rewards over 2 years Total Per Year
Sign up value $150 $75
Rewards from spending $840 $420
Annual Fee $190 $95
Annual Rewards $800 $400

Chase Freedom Unlimited® (Use in Conjunction with Chase Freedom for Maximum Returns)

Chase Freedom Unlimited® (Use in Conjunction with Chase Freedom for Maximum Returns)

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

  • Unlimited 1.5% cash back on every purchase 
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • High rewards rate
  • No annual fee
  • 0% Intro APR on purchases and balance transfers for 15 months

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $150 $75
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $798 $399

Chase Freedom®

Chase Freedom®

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Enjoy new 5% categories every 3 months
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • 5% rewards on rotating categories
  • No annual fee
  • Access to Chase’s Ultimate Rewards site to earn more cash back

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $150 $75
Rewards from spending $576 $288
Annual Fee $0 $0
Annual Rewards $726 $363

Bank of America Cash Rewards™ Credit Card (Rewards Rate Requires Platinum Honors Status through $100,000 with BoA or Merrill Lynch)

Bank of America Cash Rewards™ Credit Card (Rewards Rate Requires Platinum Honors Status through $100,000 with BoA or Merrill Lynch)

Receive $200 in cash after making at least $500 in purchases in the first 90 days of your account opening.

  • No annual fee
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter 
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75% (BoA Platinum Honors customers with over $100,000 at the bank or Merrill Lynch receive a 75% premium on these amounts)
  • No annual fee
  • Cash sign-up bonus
  • Cash rewards

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $150 $75
Rewards from spending $576 $288
Annual Fee $0 $0
Annual Rewards $726 $363

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Earn $150 Back after you spend $500 in purchases in your first 3 months of card membership. 

  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • No annual fee
  • 0% on Purchases for 12 months and 0% on Balance Transfers for 12 months

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $100 $50
Rewards from spending $552 $276
Annual Fee $0 $0
Annual Rewards $652 $326

Citizens Bank Cash Back Plus™ World MasterCard®

Citizens Bank Cash Back Plus™ World MasterCard®

N/A

  • 1.8% cash back on your everyday eligible purchases
  • 0% introductory APR on balance transfers for 15 billing cycles, thereafter a 14.99%,
  •  18.99% or 22.99%5, variable APR based on your creditworthiness
  • No limit to the amount of cash back you can earn
  • No rotating categories or enrollments to keep track of
  • No annual fee
  • No foreign transaction fees
  • High rewards rate
  • No annual fee
  • 0% for 12 mos on transfers
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $648 $324

USAA Preferred Cash Rewards Visa Signature®

USAA Preferred Cash Rewards Visa Signature®

N/A

  • Earn 1.5% cash back on every purchase.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • There's no limit on the amount you can earn.
  • Enjoy no foreign transaction fees when you travel outside of the United States.
  • High rewards rate
  • No annual fee
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $648 $324

Discover it® Chrome

Discover it® Chrome

N/A

  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Bonus cash back categories
  • No annual fee
  • 0% on Purchases and Balance Transfers for 14 months
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $512 $256
Annual Fee $0 $0
Annual Rewards $512 $256

Comerica Visa® Signature Bonus Rewards

Comerica Visa® Signature Bonus Rewards

N/A

  • Earn 1 point for every net $1 you spend.
  • Get a 25% bonus on all points earned every month, automatically.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
  • $25 cash back with your first purchase.
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
  • No annual fee
  • 0% for 6 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $25 $13
Rewards from spending $432 $216
Annual Fee $0 $0
Annual Rewards $457 $229

TD Ameritrade Client Rewards Card (Requires Qualifying TD Ameritrade Account)

TD Ameritrade Client Rewards Card (Requires Qualifying TD Ameritrade Account)

Receive $100 after spending $500 in the first 3 months.

  • The convenience of making payments your way - Online, by phone, by mail or at any TD Bank store
  • The unsurpassed worldwide acceptance of Visa
  • Cardholder inquiry service
  • Emergency card replacement and emergency cash disbursement
  • Lost/stolen card reporting
  • Receive a 10% bonus when your earnings are deposited directly into a qualifying TD Ameritrade account.
  • No annual fee
  • 0% for 12 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $0 $0
Annual Fee $0 $0
Annual Rewards $0 $0

Fidelity® Rewards Visa Signature® Card (Requires Qualifying Fidelity Account)

Fidelity® Rewards Visa Signature® Card (Requires Qualifying Fidelity Account)

N/A

  • 2% cash-back provided you have the money deposited into a qualifying Fidelity account.   No limits on reward points and no restrictive categories.

Annual Fee: $0

Capital One Savor

Capital One Savor

Earn $500 when you spend $3,000 in the first 3 months.

  • Earn 4% on dining and entertainment, 2% at grocery stores and 1% everywhere else.  $95 annual fee, waived the first year.
A decent card for those who spend a lot of dining and entertainment and want 4% back.

Annual Fee: $95

Maximizing Cash Back without Annual Fees


Card Dining Travel Gas Grocery Online Purchases/Streaming Non Bonus Spend
Blue Cash Everyday Card from American Express 1% 1% 2% 3%
(to $6,000 annually)
1% 1%
Bank of America Cash Rewards Card (Requires Platinum Honors Status with BofA) 1.75% 1.75% 5.25%
(to $2,500 quarterly)
3.5%
(to $2,500 quarterly)
1.75%
(to $2,500 quarterly)
1.75%
(to $2,500 quarterly)
Citi Double Cash Card 2% 2% 2% 2% 2% 2%
Uber Visa Card 4% 3%
(Hotels/Airfare only)
1% 1% 2% 1%
Wells Fargo Propel American Express Card 3% 3% 3% 1% 3% 1%

Maximizing Cash Back with Annual Fees


Card Annual Fee Dining Travel Gas Grocery Online Purchases/ Streaming Non Bonus Spend
Blue Cash Preferred® Card from American Express
$95 1% 1% 3% 6%
(to $6,000 annually)
1% 1%
Bank of America Premium Rewards card (Requires Platinum Honors Status With BofA)
$95 3.5% 3.5% 2.62% 2.62% 2.62% 2.62%
Bank of America Cash Rewards card (Requires Platinum Honors Status with BoA)
$0 1.75% 1.75% 5.25%
(to $2,500 quarterly)
3.5%
(to $2,500 quarterly)
1.75%
(to $2,500 quarterly)
1.75%
(to $2,500 quarterly)
Uber Visa Card
$0 4% 3%
(Hotels/Airfare only)
1% 1% 2% 1%
Wells Fargo Propel American Express® Card $0 3% 3% 3% 1% 3% 1%

Top Cash Back Credit Cards for 2018

The best cash back credit cards can help you earn money for purchases you make every day. With cash back cards, you earn a certain percentage of cash back on all purchases you make with the card. That percentage can be very large in certain categories, like groceries, gas, entertainment, Amazon purchases, and more. Depending on the card, you can have your balance issued to you via check, deposited in a linked savings account, or use it to purchase gift cards or other items.

A prevailing strategy with cash back cards is to use a card that gives more than 1% back for regular purchases, but also to pair it with a card that has 5% bonus categories that frequently change. BestCashCow outlined an effective strategy for those seeking travel rewards to earn valuable rewards through Chase products in this article. The strategy can equally be used as one of the best available to earn cash back for those opting to redeem their rewards as cash back.

Card names, trademarked images and copyrights appearing on this page are the property of the issuer, not BestCashCow. Calculations and editorial information appearing on this page have been determined by our editorial team and by site users without any input or endorsement of the issuer.