What Are the Top 10 Cash Back Credit Cards?

When it comes to credit cards,cash back credit cardsare some of the most popular options for consumers. Not only do they offer the convenience of a credit card, but they also give you the opportunity to earn money back on your purchases. Here are the top 10 cash back credit cards available on the market today:

1. Chase Freedom Unlimited

The Chase Freedom Unlimited card offers an impressive 1.5% cash back on all purchases, with no annual fee. It also has a sign-up bonus of $150 after you spend $500 in the first three months.

2. Citi Double Cash Card

The Citi Double Cash Card gives you 1% cash back on all purchases, and then an additional 1% cash back when you pay your bill. This means you can earn up to 2% cash back on all of your purchases.

3. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on all purchases, with no annual fee. It also has a sign-up bonus of $150 after you spend $500 in the first three months.

4. Discover it Cash Back

The Discover it Cash Back card offers 5% cash back on rotating categories throughout the year, and 1% cash back on all other purchases. Discover will also match all cash back earned in the first year for new cardholders.

5. Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express offers 6% cash back on up to $6,000 spent at U.S. supermarkets annually, 3% cash back on U.S. gas stations and transit, and 1% cash back on all other purchases. The card has an annual fee of $95.

6. Chase Freedom Flex

The Chase Freedom Flex card offers 5% cash back on rotating categories throughout the year, and 1% cash back on all other purchases. It also has a sign-up bonus of $200 after you spend $500 in the first three months.

7. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card offers 3% cash back on a category of your choice, 2% cash back on groceries and wholesale clubs, and 1% cash back on all other purchases. It also has a sign-up bonus of $200 after you spend $1,000 in the first 90 days.

8. Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card offers 3% cash back on dining, gas, and travel, and 1% cash back on all other purchases. It also has a sign-up bonus of 20,000 points (worth $200) after you spend $1,000 in the first three months.

9. Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card offers 5% cash back on Amazon.com and Whole Foods purchases, 2% cash back on gas, restaurants, and drugstores, and 1% cash back on all other purchases. It also has no annual fee, but you must be an Amazon Prime member to apply.

10. U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+ Visa Signature Card allows you to choose two categories to earn 5% cash back on, and one category to earn 2% cash back on. It also offers 1% cash back on all other purchases.

Applying for a cash back credit card can be a smart financial move, as long as you use it responsibly and pay off your balance in full each month. Some tips for using cash back credit cards include:

- Choosing a card that aligns with your spending habits and rewards you for purchases you make regularly.

- Being mindful of rotating categories and taking advantage of them when they align with your purchases.

- Paying your balance in full each month to avoid interest charges.

- Keeping track of your spending and rewards earned to ensure you are maximizing your benefits.

- Considering the annual fee and determining if the rewards earned outweigh the cost.

Overall, cash back credit cards can be a great way to earn money back on your purchases and make the most of your credit card use. It's important to choose a card that works for you and use it responsibly to avoid any negative financial consequences.