What Are the Top 10 Cash Back Credit Cards in 2021?

As an expert in English credit cards, I am here to provide a detailed answer based on the question of "What are the top 10 cash back credit cards in 2021?" Cash back credit cards are popular among consumers as they offer a percentage of cash back on purchases made with the card. Here are the top 10 cash back credit cards for 2021:

1. Chase Freedom Unlimited

The Chase Freedom Unlimited card offers 1.5% cash back on all purchases, with no minimum spend and no annual fee. It also has a sign-up bonus of $200 after spending $500 in the first three months.

2. Citi Double Cash Card

The Citi Double Cash Card offers 2% cash back on all purchases, with 1% cash back when you make a purchase and another 1% cash back when you pay off your balance. There is no annual fee for this card.

3. 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 annually at U.S. supermarkets, 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. There is a $95 annual fee for this card.

4. Discover it Cash Back

The Discover it Cash Back card offers 5% cash back on rotating categories each quarter after activating, up to $1,500 in purchases, and 1% cash back on all other purchases. There is no annual fee for this card.

5. Chase Freedom Flex

The Chase Freedom Flex card offers 5% cash back on rotating categories each quarter after activating, up to $1,500 in purchases, 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstores, and 1% cash back on all other purchases. It also has a sign-up bonus of $200 after spending $500 in the first three months. There is no annual fee for this card.

6. 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 at grocery stores and wholesale clubs, and 1% cash back on all other purchases. There is no annual fee for this card.

7. Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card offers 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases. There is a $95 annual fee for this card.

8. Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card offers 3% cash back on dining, travel, gas stations, rideshares, and streaming services, and 1% cash back on all other purchases. There is no annual fee for this card.

9. Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card offers 5% cash back on purchases at Amazon.com and Whole Foods Market, 2% cash back at restaurants, gas stations, and drugstores, and 1% cash back on all other purchases. There is no annual fee for this card, 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 offers 5% cash back on two categories of your choice, 2% cash back on one category of your choice, and 1% cash back on all other purchases. There is no annual fee for this card.

When applying for a cash back credit card, it is important to consider the rewards program, interest rates, annual fees, and any additional perks or benefits offered by the card. It is also important to use the card responsibly and pay off the balance in full each month to avoid accruing interest charges.

To maximize your savings with a cash back credit card, consider using it for everyday expenses such as groceries, gas, and dining out. You can also take advantage of sign-up bonuses and cash back offers by paying attention to the card's rewards program and special promotions.

In order to avoid any potential risks associated with credit cards, it is important to keep track of your spending, monitor your credit score, and report any unauthorized charges immediately. By using a cash back credit card responsibly and taking advantage of its rewards program, you can save money on your everyday purchases while building your credit history.