14 Dec

Discover the Best US Cash Back Credit Cards Today!

Written By Dom Mia
December 14, 2023

Posted at 13:28h in Cashback, Home Blog 3 by Dom Mia

Are you looking for the best ways to earn cash back on your credit card purchases? Look no further! In this article, I will be sharing the top US cash back credit cards that can help you maximize your rewards. From attractive introductory offers to unlimited cashback matches, these cards offer a range of benefits to suit your needs.

Before we dive into the details, let me assure you that these credit cards have been carefully selected based on their cash back rewards, customer satisfaction, and overall value. So, without further ado, let’s explore the best US cash back credit card options available to you.

Key Takeaways

Choose the right cash back credit card to maximize your rewards.
Consider factors such as introductory offers, rewards programs, and fees.
Discover offers an unlimited cashback match at the end of your first year.
Chase Freedom Unlimited® Card is the best overall card with no annual fee.
Citi Double Cash® Card offers a flat-rate cash back on every purchase.
Chase Freedom Flex℠ has rotating bonus categories and a generous welcome bonus.
Discover it® Student Cash Back is ideal for students.

Now that you have an overview of what to expect, let’s dive into the detailed reviews of each cash back credit card. Remember, choosing the right card can make a significant difference in your shopping experience and financial gains. So, let’s get started!

Chase Freedom Unlimited® Card: Best Overall and Best for No Annual Fee

If you’re looking for a credit card that offers excellent cash back rewards without any annual fees, the Chase Freedom Unlimited® Card is a top choice. With a generous introductory offer and unlimited cash back potential, this card is designed to help you maximize your savings.

Earn a $200 rewards bonus when you spend $1,000 on eligible purchases within the first 120 days of account opening. It’s a great way to kickstart your cash back rewards. Plus, the card features an Unlimited Matched Cash Back offer, where Chase will automatically match all the cash back you earned at the end of your first year. That means there’s no limit to how much cash back you can earn.

With the Chase Freedom Unlimited® Card, you also have the flexibility to redeem your rewards in multiple ways. You can choose to use your cash back as a statement credit, deposit it into your bank account, or redeem it for gift cards and travel rewards.

Benefits of the Chase Freedom Unlimited® Card:

Earn a $200 rewards bonus after spending $1,000 on eligible purchases within the first 120 days
Unlimited Matched Cash Back at the end of your first year, with no limit on earnings
No annual fee
Flexible redemption options for your cash back rewards

“The Chase Freedom Unlimited® Card is a great choice for those who want to earn cash back without any annual fees. With its generous rewards program and flexible redemption options, it’s a top contender in the cash back credit card market.” – Credit Card Expert

When it comes to finding the best credit card for cash back rewards, the Chase Freedom Unlimited® Card stands out as an excellent option. Its combination of a generous introductory offer, unlimited cash back potential, and no annual fees make it a top choice for individuals seeking to maximize their savings.

If you’re looking for a versatile and rewarding credit card that offers the best overall value and no annual fees, the Chase Freedom Unlimited® Card should be at the top of your list.

Citi Double Cash® Card: Best for Flat-Rate Cash Back

When it comes to earning cash back on every purchase, the Citi Double Cash® Card takes the top spot. With this card, you can earn 2% cash back on every purchase you make – 1% when you buy and an additional 1% as you pay for those purchases. There are no categories to worry about or limits on how much cash back you can earn.

What sets the Citi Double Cash® Card apart is its simplicity. You don’t have to keep track of rotating bonus categories or remember to activate any offers. You’ll earn a flat 2% cash back on all your purchases, making it easy to maximize your rewards without any additional effort.

With the Citi Double Cash® Card, you can earn cash back on all your purchases, with no limits or categories to worry about. It’s the perfect card for those who want a straightforward and hassle-free way to earn cash back.

Key Features:

Unlimited 2% cash back: Earn 2% cash back on every purchase – 1% when you buy and an additional 1% as you pay for those purchases.
No categories: There are no rotating bonus categories to keep track of, allowing you to earn cash back on all your purchases.
No annual fee: Enjoy all the cash back rewards without having to pay an annual fee.
Introductory offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

With its flat-rate cash back earnings and no category restrictions, the Citi Double Cash® Card is the ideal choice for those looking for simplicity and flexibility in their cash back rewards credit card.

When it comes to getting cash back on your everyday purchases, the Capital One Quicksilver Cash Rewards Credit Card is hard to beat. With this card, you can earn unlimited 1.5% cash back on every purchase you make, every day. Whether you’re buying groceries, filling up your car with petrol, or treating yourself to a new pair of shoes, you’ll earn cash back on it all.

One of the best things about the Capital One Quicksilver Cash Rewards Credit Card is that there’s no annual fee to worry about. Plus, if you’re planning to travel abroad, you won’t be charged any foreign transaction fees either. This makes it a great option for those who want to earn cash back without any additional costs.

“I love the Capital One Quicksilver Cash Rewards Credit Card! I use it for all my purchases and the cash back really adds up. It’s so easy to use and the rewards are great!” – Sarah, Quicksilver cardholder

With its straightforward earning structure and no-frills approach, the Capital One Quicksilver Cash Rewards Credit Card is the perfect choice for those who want to earn cash back on their everyday spending without the hassle of rotating categories or complicated rewards programs. If you’re looking for a simple and rewarding cash back credit card, look no further than the Capital One Quicksilver Cash Rewards Credit Card.

Bank of America® Customized Cash Rewards credit card: Best for Customizable 3% Category

If you’re looking for a cash back credit card that offers flexibility and customization, the Bank of America® Customized Cash Rewards credit card is a top choice. With this card, you can earn 3% cash back in a category of your choice, such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Plus, you’ll earn 2% cash back at grocery stores and wholesale clubs, making it easy to earn rewards on everyday purchases.

One of the standout features of this card is the ability to choose your 3% category. This means you can tailor your rewards to align with your spending habits and earn the most cash back in the areas that matter most to you. Whether you’re a frequent traveler, a foodie, or a DIY enthusiast, this card allows you to maximize your rewards in the categories that are most important to you.

On top of the customizable rewards, the Bank of America® Customized Cash Rewards credit card also offers a generous welcome bonus. Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This bonus can give your rewards a significant boost right from the start.

With its flexible rewards program, competitive cash back rates, and enticing welcome bonus, the Bank of America® Customized Cash Rewards credit card is an excellent choice for those seeking a customizable cash back credit card.

Conclusion

Choosing the right cash back credit card can help you maximize your rewards and make the most of your spending. When considering cash back credit cards in the US, it’s important to look for enticing offers and reviews that match your needs.

Consider starting with a card that offers a generous introductory offer, like a cash rewards bonus after meeting a spending requirement in the first few months. This can give you a head start on earning cash back.

Additionally, take a close look at the rewards program for each card. Some cards offer unlimited cash back match, meaning that at the end of your first year, they will match all the cash back you’ve earned, with no minimum spending or maximum rewards. Others may offer higher cash back percentages in specific categories, such as gas, groceries, or online shopping. Choose a card that aligns with your spending habits to maximize your rewards potential.

Lastly, consider any fees associated with the card. Look for cash back credit card offers in the US that have no annual fee or foreign transaction fees, as these can eat into your rewards. By carefully weighing these factors and reading US cash back credit card reviews, you can find the perfect cash back credit card that suits your lifestyle and helps you make the most of your purchases.

FAQ

Are cash back credit cards the best option for earning rewards?

Cash back credit cards can be a great option for earning rewards, especially if you prefer the simplicity of cash back rewards. They allow you to earn a percentage of your purchases back in the form of cash, which can be redeemed or applied to your statement. However, it’s important to consider your spending habits and preferences to determine if cash back cards are the best fit for you.

How do cash back credit cards work?

Cash back credit cards work by offering a percentage of your purchases back in the form of cash rewards. The amount of cash back you earn is typically based on a percentage of your eligible spending. Some cards offer a flat rate, while others have rotating bonus categories or tiered rewards. The cash back you earn can usually be redeemed as a statement credit, deposited into your bank account, or used for other rewards or benefits.

How do I earn cash back with these credit cards?

To earn cash back with these credit cards, you simply need to use the card for your purchases. The amount of cash back you earn will depend on the specific card’s rewards program. Some cards offer a flat rate on all purchases, while others have bonus categories where you can earn higher cash back percentages. Make sure to review the terms and conditions of the card to understand how you can maximize your rewards.

Are there any fees associated with cash back credit cards?

Some cash back credit cards may have annual fees, balance transfer fees, or foreign transaction fees. However, there are many cash back credit cards available that do not have annual fees or other fees. It’s important to compare the fees and benefits of each card before choosing one that suits your needs.

How can I redeem my cash back rewards?

Cash back rewards can usually be redeemed as a statement credit, deposited into your bank account, or used for other rewards or benefits offered by the credit card issuer. Each card may have different redemption options, so it’s important to check the rewards program details for the specific card you have.

Can I use cash back rewards to pay off my credit card balance?

In most cases, you can use your cash back rewards to pay off your credit card balance. Many cash back credit cards allow you to redeem your rewards as a statement credit, which can be applied towards your outstanding balance. This can help reduce your overall credit card debt.

Can I earn cash back on all types of purchases?

The ability to earn cash back on different types of purchases will depend on the specific cash back credit card you have. Some cards offer bonus cash back categories that change periodically, while others may offer a flat rate on all purchases. It’s important to review the card’s terms and conditions to understand which purchases are eligible for cash back rewards.

Can I earn cash back on balance transfers and cash advances?

Cash back rewards are typically not earned on balance transfers and cash advances. These types of transactions are often excluded from earning rewards due to their nature. However, it’s important to review the specific terms and conditions of your cash back credit card to confirm whether or not these types of transactions are eligible for cash back rewards.

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