Best Cash-Back Credit Cards of 2022

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.
Apply for Capital One SavorOne Cash Rewards Credit Card
Apply now for Capital One SavorOne Cash Rewards Credit Card at Capital One's secure site
Apply now for Capital One SavorOne Cash Rewards Credit Card at Capital One's secure site

Capital One SavorOne Cash Rewards Credit Card

TPG Editor's Rating tooltip icon
3.5/5
$200
details
Intro Offer tooltip icon
$200
$200
details
TPG'S OFFER VALUATION tooltip icon
$200
$0
$0
1 - 10% cash-back
details
  • 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 8% Earn 8% cash back on Capital One Entertainment purchases
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

Why We Chose It

The Capital One SavorOne 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

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Apply for Blue Cash Everyday® Card from American Express
Apply now for Blue Cash Everyday® Card from American Express at American Express's secure site
Terms & restrictions apply. See rates & fees
Apply now for Blue Cash Everyday® Card from American Express at American Express's secure site
Terms & restrictions apply. See rates & fees

Blue Cash Everyday® Card from American Express

TPG Editor's Rating tooltip icon
3/5
$200
details
Intro Offer tooltip icon
$200
$200
details
TPG'S OFFER VALUATION tooltip icon
$200
$0
$0
1 - 3% cash-back
details
  • 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
  • 1% 1% Cash Back on other purchases.

Why We Chose It

The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • No annual fee.
  • 3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • Access to Amex Offers (enrollment required), which earn you statement credits or extra points on purchases with a wide variety of merchants.

Cons

  • $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
  • See Rates & Fees

Pros

  • No annual fee.
  • 3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year; then 1%. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • Access to Amex Offers (enrollment required), which earn you statement credits or extra points on purchases with a wide variety of merchants.

Cons

  • $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
  • See Rates & Fees
Apply for Blue Cash Preferred® Card from American Express
Apply now for Blue Cash Preferred® Card from American Express at American Express's secure site
Terms & restrictions apply. See rates & fees
Apply now for Blue Cash Preferred® Card from American Express at American Express's secure site
Terms & restrictions apply. See rates & fees

Blue Cash Preferred® Card from American Express

TPG Editor's Rating tooltip icon
4/5
$250
details
Intro Offer tooltip icon
$250
$250
details
TPG'S OFFER VALUATION tooltip icon
$250
$0 intro annual fee for the first year, then $95.
$0 intro annual fee for the first year, then $95.
1 - 6% cash-back
details
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

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%).

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases.

Cons

  • $6,000 spending cap on the U.S. supermarket bonus category.
  • Foreign transaction fees.
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases.

Cons

  • $6,000 spending cap on the U.S. supermarket bonus category.
  • Foreign transaction fees.
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
  • See Rates & Fees
Apply for Chase Freedom Unlimited®
Apply now for Chase Freedom Unlimited® at Chase's secure site
Apply now for Chase Freedom Unlimited® at Chase's secure site

Chase Freedom Unlimited®

TPG Editor's Rating tooltip icon
4/5
Earn an Additional 1.5% Cash Back
details
Intro Offer tooltip icon
Earn an Additional 1.5% Cash Back
No offer valuation
details
TPG'S OFFER VALUATION tooltip icon
No offer valuation
$0
$0
1.5 - 5% cash-back
details
  • 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, 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% on all other purchases

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 3% back on select categories.
  • Good for everyday, non-bonused spending..
  • No annual fee.

Cons

  • 3% foreign transaction fee.
  • Limited card perks and benefits outside of cash-back.
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
  • 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, real-time alerts, and more.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • Good for everyday, non-bonused spending..
  • No annual fee.

Cons

  • 3% foreign transaction fee.
  • Limited card perks and benefits outside of cash-back.
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
  • 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, real-time alerts, and more.
Apply for Bank of America® Unlimited Cash Rewards credit card
Apply now for Bank of America® Unlimited Cash Rewards credit card at Bank of America's secure site
Apply now for Bank of America® Unlimited Cash Rewards credit card at Bank of America's secure site

Bank of America® Unlimited Cash Rewards credit card

TPG Editor's Rating tooltip icon
3.5/5
$200
details
Intro Offer tooltip icon
$200
$200
details
TPG'S OFFER VALUATION tooltip icon
$200
$0
$0
1.5% cash-back
details
  • 1.5% Earn unlimited 1.5% cash back on all purchases.

Why We Chose It

The Bank of America Unlimited Cash Rewards credit card brings in simplicity to the line-up of the best Bank of America cards. With an easy-to-remember 1.5% rewards rate, you could potentially earn 25 to 75% more cash back on every purchase if you’re a Preferred Rewards member. That means you could earn up to 2.62% cash back on every purchase.

Pros

  • Unlimited 1.5% earnings on every single purchase.
  • No annual fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Cons

  • Other cards can offer bonus points on common everyday purchases.
  • 3% foreign transaction fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Pros

  • Unlimited 1.5% earnings on every single purchase.
  • No annual fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Cons

  • Other cards can offer bonus points on common everyday purchases.
  • 3% foreign transaction fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply for Citi Custom Cash℠ Card
Apply now for Citi Custom Cash℠ Card at Citi's secure site
Apply now for Citi Custom Cash℠ Card at Citi's secure site

Citi Custom Cash℠ Card

TPG Editor's Rating tooltip icon
4/5
$200
details
Intro Offer tooltip icon
$200
$200
details
TPG'S OFFER VALUATION tooltip icon
$200
$0
$0
1 - 5% cash-back
details
  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.

Why We Chose It

The Citi Custom Cash is one of the most flexible cash-back card on the market, allowing you to earn 5% back on your top eligible spend category on up to $500 spent each billing cycle (then 1%).

Pros

  • 5% cash-back rewards on your top eligible spend category on up to $500 spent each billing cycle (then 1%)
  • $200 cash-back bonus after spending $750 on purchases in the first three months of account opening.
  • No annual fee.

Cons

  • Maximum $500 on top eligible spend category each billing cycle, then 1%.
  • 3% foreign transaction fee.
  • 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.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

Pros

  • 5% cash-back rewards on your top eligible spend category on up to $500 spent each billing cycle (then 1%)
  • $200 cash-back bonus after spending $750 on purchases in the first three months of account opening.
  • No annual fee.

Cons

  • Maximum $500 on top eligible spend category each billing cycle, then 1%.
  • 3% foreign transaction fee.
  • 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.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Apply for Ink Business Cash® Credit Card
Apply now for Ink Business Cash® Credit Card at Chase's secure site
Apply now for Ink Business Cash® Credit Card at Chase's secure site

Ink Business Cash® Credit Card

TPG Editor's Rating tooltip icon
4/5
$750
details
Intro Offer tooltip icon
$750
$750
details
TPG'S OFFER VALUATION tooltip icon
$750
$0
$0
1 - 5% cash-back
details
  • 5% 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 at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

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

  • No annual fee.
  • TPG values the current sign-up bonus at $1,500, not including any points you may earn from the valuable bonus categories.

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 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 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.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Pros

  • No annual fee.
  • TPG values the current sign-up bonus at $1,500, not including any points you may earn from the valuable bonus categories.

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 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 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.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Apply for Capital One Quicksilver Cash Rewards Credit Card
Apply now for Capital One Quicksilver Cash Rewards Credit Card at Capital One's secure site
Apply now for Capital One Quicksilver Cash Rewards Credit Card at Capital One's secure site

Capital One Quicksilver Cash Rewards Credit Card

TPG Editor's Rating tooltip icon
3.5/5
$200
details
Intro Offer tooltip icon
$200
$200
details
TPG'S OFFER VALUATION tooltip icon
$200
$0
$0
1.5 - 5% cash-back
details
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Why We Chose It

The Capital One Quicksilver Cash Rewards Credit Card is a good card for those who prefer to keep their earnings simple. This card has a flat-rate earning of 1.5% cash back on all purchases, which is easily redeemable and requires no minimum.

Pros

  • Unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • Cash back doesn't expire.

Cons

  • Other cards offer more potential and upside when it comes to redeeming cash back.
  • Limited card perks and benefits.
  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Pros

  • Unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • Cash back doesn't expire.

Cons

  • Other cards offer more potential and upside when it comes to redeeming cash back.
  • Limited card perks and benefits.
  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Apply for Bank of America® Customized Cash Rewards credit card
Apply now for Bank of America® Customized Cash Rewards credit card at Bank of America's secure site
Apply now for Bank of America® Customized Cash Rewards credit card at Bank of America's secure site

Bank of America® Customized Cash Rewards credit card

TPG Editor's Rating tooltip icon
3.5/5
$200
details
Intro Offer tooltip icon
$200
$200
details
TPG'S OFFER VALUATION tooltip icon
$200
$0
$0
1 - 3% cash-back
details
  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.

Why We Chose It

The Bank of America Cash Rewards is a solid cash-back card with the potential to offer lucrative rewards for smaller budgets. If you’re a Preferred Rewards member, you can earn 25 to 75% more cash back on every purchase

Pros

  • Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs; up to $2,500 in combined purchases each quarter; then 1%)
  • No annual fee.
  • Rewards don't expire.

Cons

  • Maximum $2,500 in combined choice category/ grocery store/ wholesale club purchases for each quarter, then 1%
  • 3% foreign transaction fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Pros

  • Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs; up to $2,500 in combined purchases each quarter; then 1%)
  • No annual fee.
  • Rewards don't expire.

Cons

  • Maximum $2,500 in combined choice category/ grocery store/ wholesale club purchases for each quarter, then 1%
  • 3% foreign transaction fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply for Wells Fargo Active Cash® Card
Apply now for Wells Fargo Active Cash® Card at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees
Apply now for Wells Fargo Active Cash® Card at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees

Wells Fargo Active Cash® Card

TPG Editor's Rating tooltip icon
3.5/5
$200 cash rewards
details
Intro Offer tooltip icon
$200 cash rewards
$200
details
TPG'S OFFER VALUATION tooltip icon
$200
$0
$0
2% cash-back
details
  • 2% Earn unlimited 2% cash rewards on purchases

Why We Chose It

The Wells Fargo Active Cash card delivers simplicity to cardholders who want to pay for their purchases without worrying if you’re maximizing every last dollar. With a 2% cash rewards rate, you’ll rest easy knowing that you’re earning bonus points whether you’re online shopping or paying your hairdresser.

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards.
  • Earn 2% cash rewards on purchases — no bonus categories or restrictions to be wary of.
  • Get up to $600 in cell phone protection (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with this card.

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee.
  • Other cash-back cards can offer better sign-up bonuses.
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards.
  • Earn 2% cash rewards on purchases — no bonus categories or restrictions to be wary of.
  • Get up to $600 in cell phone protection (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with this card.

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee.
  • Other cash-back cards can offer better sign-up bonuses.
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

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