The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Top Cash Back Credit Cards
Advertisement: Partner compensation may impact how or where our card products appear, but does not impact our editorial opinions and reviews. Learn more here.
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
Pros + cons
Pros
No annual fee
5% cash back on up to $1,500 in combined purchases each quarter in rotating categories after activation
Cashback Match automatically matches all cash back earned during the first cardmember year
Cons
Requires activation to earn 5% cash back in quarterly bonus categories
Quarterly spending cap on 5% categories
1% cash back outside bonus categories
More details
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR applies, based on credit worthiness
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.
Pros + cons
Pros
At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
No annual fee
Perfect for everyday, non-bonus spending
Offers great value when paired with a premium Chase card
Cons
3% foreign transaction fee
More details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.
Pros + cons
Pros
Unlimited 1.5% cash back on all purchases
No annual fee
Cash back doesn't expire
Cons
Limited card perks and benefits
Other cards offer more potential and upside when it comes to redeeming cash back
More details
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
Why we chose it
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.
Pros + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Best for freelancers
Ink Business Unlimited® Credit Card
TPG editor's rating
Best for unlimited business cash back
Capital One Spark Cash Plus
TPG editor's rating
Best for small businesses
Ink Business Cash® Credit Card
TPG editor's rating
Best for balance transfers
Citi Double Cash® Card
TPG editor's rating
Best for entertainment cash back
Capital One Savor Cash Rewards Credit Card
TPG editor's rating
Best for gas and supermarkets
Blue Cash Preferred® Card from American Express
TPG editor's rating
Credit card
Best for
Intro offer
Earning rate
Annual fee
Apply
Capital One Quicksilver Cash Rewards Credit Card
3.5
3.5
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases.
Intro offer
Unlimited Cashback Match™
Annual fee
$0
Regular APR
17.74% - 26.74% Variable APR
Recommended credit
670-850
Excellent/Good
Why we chose it
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
View more
Pros
No annual fee
5% cash back on up to $1,500 in combined purchases each quarter in rotating categories after activation
Cashback Match automatically matches all cash back earned during the first cardmember year
Cons
Requires activation to earn 5% cash back in quarterly bonus categories
Quarterly spending cap on 5% categories
1% cash back outside bonus categories
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR applies, based on credit worthiness
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
Redeem cash back for any amount. No annual fee
Terms and conditions apply
Why we chose it
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
Pros + cons
Pros
No annual fee
5% cash back on up to $1,500 in combined purchases each quarter in rotating categories after activation
Cashback Match automatically matches all cash back earned during the first cardmember year
Cons
Requires activation to earn 5% cash back in quarterly bonus categories
Quarterly spending cap on 5% categories
1% cash back outside bonus categories
More details
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR applies, based on credit worthiness
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
Redeem cash back for any amount. No annual fee
Terms and conditions apply
Why we chose it
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
Pros
No annual fee
5% cash back on up to $1,500 in combined purchases each quarter in rotating categories after activation
Cashback Match automatically matches all cash back earned during the first cardmember year
Cons
Requires activation to earn 5% cash back in quarterly bonus categories
Quarterly spending cap on 5% categories
1% cash back outside bonus categories
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR applies, based on credit worthiness
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Unlimited Cashback Match™
Annual fee
$0
Regular APR
17.74% - 26.74% Variable APR
Recommended credit
670-850
Excellent/Good
Why we chose it
The Discover it Cash Back is a solid no-annual-fee option for earning elevated cash back on rotating spending categories. Cardmembers can earn 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories (activation required), and 1% cash back on all other purchases. Discover's first-year Cashback Match adds even more value by automatically matching all the cash back earned during the first cardmember year, with no limit on the match.
Pros + cons
Pros
No annual fee
5% cash back on up to $1,500 in combined purchases each quarter in rotating categories after activation
Cashback Match automatically matches all cash back earned during the first cardmember year
Cons
Requires activation to earn 5% cash back in quarterly bonus categories
Quarterly spending cap on 5% categories
1% cash back outside bonus categories
More details
Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.74% - 26.74% Standard Variable Purchase APR applies, based on credit worthiness
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
Redeem cash back for any amount. No annual fee
Terms and conditions apply
4
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5%
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%
1.5% cash back on all other purchases.
Intro offer
Earn $200 cash back
Annual fee
$0
Regular APR
18.24% - 27.74% Variable
Recommended credit
670-850
Excellent/Good
Why we chose it
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.
View more
Pros
At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
No annual fee
Perfect for everyday, non-bonus spending
Offers great value when paired with a premium Chase card
Cons
3% foreign transaction fee
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Why we chose it
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.
Pros + cons
Pros
At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
No annual fee
Perfect for everyday, non-bonus spending
Offers great value when paired with a premium Chase card
Cons
3% foreign transaction fee
More details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Why we chose it
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.
Pros
At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
No annual fee
Perfect for everyday, non-bonus spending
Offers great value when paired with a premium Chase card
Cons
3% foreign transaction fee
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn $200 cash back
Annual fee
$0
Regular APR
18.24% - 27.74% Variable
Recommended credit
670-850
Excellent/Good
Why we chose it
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.
Pros + cons
Pros
At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
No annual fee
Perfect for everyday, non-bonus spending
Offers great value when paired with a premium Chase card
Cons
3% foreign transaction fee
More details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
3.5
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5%
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
Earn a one-time $200 cash bonus
Annual fee
$0
Regular APR
18.74% - 28.74% (Variable)
Recommended credit
670-850
Excellent, Good
View more
Pros
Unlimited 1.5% cash back on all purchases
No annual fee
Cash back doesn't expire
Cons
Limited card perks and benefits
Other cards offer more potential and upside when it comes to redeeming cash back
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
Why we chose it
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.
Pros + cons
Pros
Unlimited 1.5% cash back on all purchases
No annual fee
Cash back doesn't expire
Cons
Limited card perks and benefits
Other cards offer more potential and upside when it comes to redeeming cash back
More details
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
Why we chose it
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.
Pros
Unlimited 1.5% cash back on all purchases
No annual fee
Cash back doesn't expire
Cons
Limited card perks and benefits
Other cards offer more potential and upside when it comes to redeeming cash back
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn a one-time $200 cash bonus
Annual fee
$0
Regular APR
18.74% - 28.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.
Pros + cons
Pros
Unlimited 1.5% cash back on all purchases
No annual fee
Cash back doesn't expire
Cons
Limited card perks and benefits
Other cards offer more potential and upside when it comes to redeeming cash back
More details
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
4
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.74% - 24.74% Variable
Recommended credit
670-850
Good, Excellent
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.
View more
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.
Pros + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.74% - 24.74% Variable
Recommended credit
670-850
Good, Excellent
Why we chose it
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card.
Pros + cons
Pros
No annual fee
Flat 1.5% cash back on all purchases
Primary insurance for car rentals
Shopping protections
Cash back can become points when paired with an eligible card
Cons
Lacks bonus categories
High spending requirement to receive the welcome bonus
No conversion to Ultimate Rewards points without holding another eligible Chase card
More details
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
5% cash back on hotels and rental cars booked through Capital One Business Travel
Intro offer
Earn $2,000
Annual fee
$150
Regular APR
25.99% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
More details
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
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Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
More details
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app
Why we chose it
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros + cons
Pros
The card features unlimited 2% cash back on every purchase.
It offers a welcome bonus.
Hotels and rental cars booked through Capital One Business Travel are eligible for 5% cash back.
Cons
The card has a $150 annual fee.
The required spend to refund credit card fees is very high.
The card’s balance must be paid in full every month.
More details
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
2%
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year.
1%
Earn 1% cash back on all other purchases.
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
16.74% - 24.74% Variable
Recommended credit
670-850
Good, Excellent
Why we chose it
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.
Pros + cons
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
More details
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC
Why we chose it
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.
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Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Why we chose it
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.
Pros + cons
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
More details
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC
Why we chose it
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.
Pros + cons
Pros
Valuable welcome offer
No annual fee means this is a good card for businesses that want to keep operating costs low
Decent earning rates across popular categories for businesses
Cons
5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
More details
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
5%
Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Intro offer
$200 cash back
Annual fee
$0
Regular APR
18.49% - 28.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
For some, all they really need is a good cash-back card with no annual fee so that they don’t have to stress about whether or not they’re maximizing every single purchase. Instead, just earn 1% cash back at the register and 1% cash back when you pay off your bill. You can redeem you rewards by requesting a check, a statement credit or direct deposit into your Citi checking or savings account.
Pros + cons
Pros
Earning 2% back on every purchase
Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible
No annual fee
Cons
No bonus categories
Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
More details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Why we chose it
For some, all they really need is a good cash-back card with no annual fee so that they don’t have to stress about whether or not they’re maximizing every single purchase. Instead, just earn 1% cash back at the register and 1% cash back when you pay off your bill. You can redeem you rewards by requesting a check, a statement credit or direct deposit into your Citi checking or savings account.
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Pros
Earning 2% back on every purchase
Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible
No annual fee
Cons
No bonus categories
Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
Why we chose it
For some, all they really need is a good cash-back card with no annual fee so that they don’t have to stress about whether or not they’re maximizing every single purchase. Instead, just earn 1% cash back at the register and 1% cash back when you pay off your bill. You can redeem you rewards by requesting a check, a statement credit or direct deposit into your Citi checking or savings account.
Pros + cons
Pros
Earning 2% back on every purchase
Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible
No annual fee
Cons
No bonus categories
Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
More details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Why we chose it
For some, all they really need is a good cash-back card with no annual fee so that they don’t have to stress about whether or not they’re maximizing every single purchase. Instead, just earn 1% cash back at the register and 1% cash back when you pay off your bill. You can redeem you rewards by requesting a check, a statement credit or direct deposit into your Citi checking or savings account.
Pros
Earning 2% back on every purchase
Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible
No annual fee
Cons
No bonus categories
Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
For some, all they really need is a good cash-back card with no annual fee so that they don’t have to stress about whether or not they’re maximizing every single purchase. Instead, just earn 1% cash back at the register and 1% cash back when you pay off your bill. You can redeem you rewards by requesting a check, a statement credit or direct deposit into your Citi checking or savings account.
Pros + cons
Pros
Earning 2% back on every purchase
Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible
No annual fee
Cons
No bonus categories
Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
More details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 8% cash back on Capital One Entertainment purchases
5%
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
3%
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
1%
Earn 1% cash back on all other purchases
Intro offer
Earn $200 Cash Back
Annual fee
$0
Regular APR
18.74% - 28.74% (Variable)
Recommended credit
Why we chose it
The Capital One Savor is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.
Pros + cons
Pros
Strong return on common spending categories for a no-annual-fee credit card
Simple earning and redeeming is great for beginners
Cons
Some cards provide better value with higher reward potential on dining and grocery purchases
More details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
Why we chose it
The Capital One Savor is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.
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Pros
Strong return on common spending categories for a no-annual-fee credit card
Simple earning and redeeming is great for beginners
Cons
Some cards provide better value with higher reward potential on dining and grocery purchases
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
Why we chose it
The Capital One Savor is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.
Pros + cons
Pros
Strong return on common spending categories for a no-annual-fee credit card
Simple earning and redeeming is great for beginners
Cons
Some cards provide better value with higher reward potential on dining and grocery purchases
More details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Top rated mobile app
Why we chose it
The Capital One Savor is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.
Pros
Strong return on common spending categories for a no-annual-fee credit card
Simple earning and redeeming is great for beginners
Cons
Some cards provide better value with higher reward potential on dining and grocery purchases
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
The Capital One Savor is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.
Pros + cons
Pros
Strong return on common spending categories for a no-annual-fee credit card
Simple earning and redeeming is great for beginners
Cons
Some cards provide better value with higher reward potential on dining and grocery purchases
More details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%).
6%
Earn 6% cash back on select U.S. streaming subscriptions.
3%
Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases.
1%
Earn 1% cash back on other purchases.
Intro offer
As High As $300 Cash Back. Find Out Your Offer.
Annual fee
$0 intro annual fee for the first year, then $95.
Regular APR
19.74%-28.74% Variable
Recommended credit
Why we chose it
If you like cash back and spend a lot on groceries at U.S. supermarkets, you can’t get much better than the Blue Cash Preferred® Card from American Express. This card offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Pros + cons
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
More details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
If you like cash back and spend a lot on groceries at U.S. supermarkets, you can’t get much better than the Blue Cash Preferred® Card from American Express. This card offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
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Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Why we chose it
If you like cash back and spend a lot on groceries at U.S. supermarkets, you can’t get much better than the Blue Cash Preferred® Card from American Express. This card offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Pros + cons
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
More details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
If you like cash back and spend a lot on groceries at U.S. supermarkets, you can’t get much better than the Blue Cash Preferred® Card from American Express. This card offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
If you like cash back and spend a lot on groceries at U.S. supermarkets, you can’t get much better than the Blue Cash Preferred® Card from American Express. This card offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Pros + cons
Pros
This card has one of the best earning structures out there for cash-back credit cards
The card does come with access to Amex Offers (enrollment required), which can save you even more money on specific purchases
The Blue Cash Preferred is a cash-back workhorse when you maximize high-earning spend categories
Cons
You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
More details
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app
Member FDIC
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
670-850
Excellent, Good
Excellent to Good
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
