Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

Earning rate: 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% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.

Why we picked this card: The Chase Freedom Unlimited^® card tops our list of best cash back cards due to its versatility, simplicity and synergy with other Chase Ultimate Rewards® cards. The 1.5% rewards rate may not seem the best at first glance, but its 3% cash back on dining and drugstore purchases gives it an edge. Not to mention, when paired with a premium card like the Chase Sapphire Reserve^®, you can boost the 1.5% rate to 2.25% and the 3% rate to 4.5% back by redeeming your rewards for travel.

If you’re already familiar with cards such as the Chase Sapphire Reserve^® and Chase Sapphire Preferred^® Card, the Chase Freedom Unlimited^® is a fantastic addition to your wallet. You can effectively earn 2.25% back on most purchases when you transfer your Ultimate Rewards points to a Chase Sapphire Reserve^® account and redeem through Chase Travel. This is one of the highest cash back credit card earning rates available without a spending cap.

With its $0 annual fee, it’s hard to go wrong with the Chase Freedom Unlimited^®.

• 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 19.24% - 27.99%
• 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.

Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Earning rate: Earn unlimited 2% cash rewards on purchases

Why we picked this card: In addition to letting cardholders earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months, cardholders earn unlimited 2% cash rewards on purchases. This is one of the best cash back credit card rewards rates among flat-rate cards. Rewards can be redeemed in a variety of ways, including as a statement credit, as a credit to a qualified Wells Fargo loan, mortgage or other credit account, in $20 increments at a Wells Fargo ATM or for gift cards.

The Wells Fargo Active Cash^® Card is an excellent choice if you want to earn flat-rate rewards without worrying about different categories. Its 2% flat earning rate is strong compared to other cards’ non-bonus percentages usually amounting to 1% or 1.5%.

It also comes with strong intro APR periods on both purchases and balance transfers — so whether you need to finance a big purchase and pay it off over time, or transfer a balance from another card, the Wells Fargo Active Cash^® Card can help you do that.

If you opened a Wells Fargo credit card in the past 15 months and received an intro APR and/or a bonus, you might not qualify for intro APR and/or a bonus on this card. And if you opened another Wells Fargo credit card in the past six months, your application for this card might be denied.

• 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 19.24%, 24.24%, or 29.24% 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

Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 

Earning rate: 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%. 1% cash back on other purchases. Terms apply.

Why we picked this card: You can earn 3% cash back on many everyday spending categories, including U.S. supermarkets, redeemable for statement credits. Though the 3% categories are each capped at $6,000 in purchases per year, you’ll earn at least $540 in cash back rewards if you max out every category. And with a $0 annual fee, there’s no cutting into your rewards.

If you spend a lot at U.S. supermarkets, U.S. online retailers or U.S. gas stations and you’d prefer a card with no annual fee, then the Blue Cash Everyday^® Card from American Express is a good fit for you.

This is also a good choice for people looking to transfer a balance or seeking more time to pay off a big purchase because of its long intro APR on both purchases and balance transfers.

If you’re looking for higher cash back rates on everyday purchases and willing to pay an annual fee, then the Blue Cash Preferred^® Card from American Express may be a good option.

• 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, 18.24% to 29.24% 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.

Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Earning rate: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Why we picked this card: The Chase Freedom Flex℠ is the best of 5% cash back cards because it’s potentially the most rewarding. In addition to 5% cash back on rotating quarterly categories (up to $1,500 in qualified purchases each quarter you activate), you also get 3% cash back on drugstores and dining, which gives it an edge over its main competitor, the Discover it Cash Back. You can also earn a generous sign-up bonus with a low spending requirement.

If you want a solid ongoing cash back rate on dining and drugstore purchases, and your spending also lines up well with the rotating categories, the Chase Freedom Flex℠ offers the chance to earn generous cash back. Just remember to activate the new bonus category every quarter, and be aware that after spending $1,500 in the quarterly category, your earning rate for such purchases will drop to 1% (meaning you can earn up to $75 cash back at the elevated rate each quarter).

Examples of Chase’s bonus categories have included:

• Wholesale clubs, select streaming services and internet, cable and phone services
• Gas stations and home improvement stores
• Grocery stores, excluding Target and Walmart, and select streaming services

The Chase Freedom Flex℠ does charge a foreign transaction fee of 3% of each transaction in U.S. dollars, so leave it at home when traveling outside the country. Also, before applying, make sure you’re aware of the Chase 5/24 rule — an unwritten rule that essentially means Chase will deny your application for a card if you’ve opened five or more cards from any issuer in the past 24 months.

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 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% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ 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.

Sign-up bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Earning rate: 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

Why we picked this card: For a $0 annual fee card, the Capital One Quicksilver Cash Rewards Credit Card has decent benefits plus a few extra perks like elevated rewards booked through Capital One Travel and long introductory APR offers for purchases and balance transfers. Its sign-up bonus also requires minimal spending to qualify — and its foreign transaction fees are none.

This card is best for those who prefer simple cash back earning rates and a no-annual fee card. It could also be good for occasional travelers if you book through the Capital One Travel portal.

Because of its long intro APR periods for purchases and balance transfers, this could be a simple card for a balance transfer or a big purchase you want to finance over time.

There’s a 0% intro on purchases for 15 months. Then, a regular APR of 19.24% - 29.24% (Variable) applies. There’s also a 0% intro on balance transfers for 15 months. After, a 19.24% - 29.24% (Variable) APR applies as well. Be aware of the balance transfer fee of 3%.

• 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

Sign-up bonus: LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earning rate: 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 card purchases with no limit to the amount you can earn.

Why we picked this card: With a high cash back rate at office supply stores, and on internet, cable and phone services, the Ink Business Cash^® Credit Card is a great fit for many small businesses. There is an annual cap of $25,000 in combined purchases for the 5% cash back bonus, which is $1,250 if you max it out. If you max out the 2% rate on combined purchases at gas stations and restaurants, which has a $25,000 cap as well, that amounts to $500.

If you are a small business owner who spends a large amount on office supply store purchases and internet, cable and phone services each year, the Ink Business Cash^® Credit Card could be a good fit.

Just know, if your business primarily spends on travel, this card won’t be a good fit for you since it does not offer an accelerated cash back rate on travel purchases, and it charges foreign transaction fees.

• BEST OFFER EVER: Earn $900 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
• With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
• 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

Sign-up bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

Earning rate: 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases.

Why we picked this card: This card beats out its main competitor, the Bank of America^® Customized Cash Rewards credit card, by offering a higher rewards rate and more customization. The U.S. Bank Cash+^® Visa Signature^® Card allows you to earn $100 in rewards from bonus categories each quarter, while the Bank of America^® Customized Cash Rewards credit card only allows you to earn $75 in bonus categories each quarter. The former allows you to choose two spending categories for elevated rewards, while the latter only lets you choose one category.

This card is best for people who would rather have less credit cards they can customize than several cards they use for specific spending categories. You can customize this card to help you earn more for two of your top spending categories.

However, it’s still worth looking into different credit cards for certain spending categories. The U.S. Bank Cash+^® Visa Signature^® Card has a cap on how much you can earn on elevated categories, while cards like the Capital One Savor Cash Rewards Credit Card and the Citi^® Double Cash Card – 18 month BT offer have unlimited rewards. Depending on how much you spend, you may be able to earn more with an unlimited rewards card.

• $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
• 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
• 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center.
• 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
• 1% cash back on all other eligible purchases.
• 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.74% - 28.74%
• No Annual Fee.
• Terms and conditions apply.

Sign-up bonus: Unlimited Cashback Match – only from Discover. 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.

Earning rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Why we picked this card: The Discover it^® Cash Back has one of the most unique and valuable sign-up bonuses out there (as do all of the Discover it® cards). Discover will match the cash back you’ve earned in your first year with no minimum or maximum amount. So if you earn $500 in cash back, Discover will give you an additional $500.

The Discover it^® Cash Back is best for people looking to take advantage of its sign-up bonus and its bonus categories. Bonus categories are usually everyday purchases. Below is the cashback calendar for 2023:

January through March: Grocery stores (excluding Target and Walmart), drug stores and select streaming services
April through June: TBA
July through September: TBA
October through December: TBA

• INTRO OFFER: Unlimited Cashback Match – only from Discover. 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
• Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
• Every $1 you earn in cash back is $1 you can redeem.
• Get a 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
• No annual fee.
• Click "Apply Now" to see terms and conditions.

Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Earning rate: 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.

Why we picked this card: With unlimited 3% Cash Back on dining and entertainment, popular streaming services and at grocery stores, the Capital One SavorOne Cash Rewards Credit Card offers one of the highest cash back rates on dining and entertainment that we can find. This is doubly true for a card with a $0 annual fee. Plus, its sign-up bonus has a low spending requirement.

Avid foodies will love the Capital One SavorOne Cash Rewards Credit Card‘s rewards for dining and grocery store purchases, while those who enjoy events such as going to a movie or a sports event can appreciate earning cash back on entertainment expenses.

Plus, the foreign transaction fee is none. That means if you’re planning a trip abroad and want to experience all the culinary goodies your vacation destination has to offer, the Capital One SavorOne Cash Rewards Credit Card is an excellent card to keep in your wallet.

• 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

Sign-up bonus: $200 after you make $1,000 or more in purchases during the first three billing cycles

Earning rate: Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually. 1% cash back on purchases everywhere, every time.

Why we picked this card: There are few cards that compare to the PNC Cash Rewards® Visa® Credit Card when it comes to rewarding you for gas station purchases. If you’re able to max out the card strictly on gas each year, you’ll earn $320 in cash back.

If you do a lot of driving and spend over $600 per month on gas, this card is an excellent choice to have in your wallet. You can maximize your cash back by using the card strictly for fuel. Rewards can be redeemed as soon as you have at least $25 in your PNC Rewards account either as a statement credit or into a PNC account.

The sign-up bonus will match your cash back rewards. So if you earn $300 in cash back rewards your first year, you’ll receive another $300 — bringing your total cash back to $600. This offer ends 12/31/22.

The card also offers a "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening." After that, a 17.74% to 28.74% variable APR applies. There is a foreign transaction fee of 3% of each foreign transaction in U.S. dollars.

• $200 after you make $1,000 or more in purchases during the first three billing cycles
• You’ll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.
• Cash back is automatic – there’s no need to enroll or track rotating categories
• 0% intro APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 17.74% to 28.74% based on credit worthiness.
• No annual fee.

Sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Earning rate: 1.5% cash back on all purchases

Why we picked this card: This is a simple, no-frills card with no earnings cap on any categories. Its straightforward earning rate and $0 annual fee make this a solid flat-rate card to have.

This card is best for people looking for a flat-rate cash back card, and might not qualify for the higher-earning Wells Fargo Active Cash^® Card because you’ve opened another Wells Fargo credit card in the last six months.

You should also consider this for your flat-rate cash back card if you’re a Bank of America Preferred Rewards member, since you can increase your earning rate from 1.5% to up to 2.62%.

Its long intro APR offer on purchases and balance transfers also make this a good candidate for balance transfers and paying off a big purchase over time.

• $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.  
• New longer intro period! 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, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) 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.

Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Earning rate: 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. Terms apply.

Why we picked this card: The 6% cash back earning rate at U.S. supermarkets on up to $6,000 per year in purchases (afterwards 1%) is the best rewards rate we can find on U.S. supermarket purchases. Your cash back can easily be redeemed for statement credits.

For consumers whose budgets include a significant amount of grocery shopping, streaming, and gas or transit costs, the Blue Cash Preferred^® Card from American Express is well worth paying a $0 intro annual fee for the first year, then $95. It takes $1,584 in spending per year on categories that earn 6% back to recoup the amount of the annual fee.

Be aware that the elevated rate on U.S. supermarket purchases is capped at $6,000 spent per year, after which your rate will drop to 1%. Still, if you max that out (which would require spending $500 a month), that’s $360 in cash back.

If you’re thinking about taking this card abroad with you, however, know that there’s a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

• 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, 18.24% to 29.24%
• 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.

Sign-up bonus: None

Earning rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Why we picked this card: This card is one of the best for flat-back rates because it has a 2% earning rate, a $0 annual fee and great balance transfer APRs. Its unique earnings structure also incentivizes you to pay in full and on time to earn more cash back.

This card is best for people looking for a great balance transfer intro APR offer.

The Citi^® Double Cash Card – 18 month BT offer offer currently offers an introductory APR of 0% for 18 months on Balance Transfers (followed by a 18.24% - 28.24% (Variable) APR), currently the best among cash back cards. Plus, earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

• 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.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, 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).

Sign-up bonus: Get a $100 Amazon Gift Card instantly upon approval.

Earning rate: 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases.

Why we picked this card: Do a ton of online shopping? Then the Amazon Prime Rewards Visa Signature Card is a no-brainer. You can earn 5% back at Amazon.com and Whole Foods Market using your card with an eligible Prime membership. The card also earns 2% back at restaurants, gas stations and drugstores and offers a generous gift card just for making your first purchase.

If you do much of your online shopping at Amazon, getting the Amazon Prime Rewards Visa Signature Card could be a no-brainer — it charges a $0 annual fee and earns cash back at a generous rate. For those who already have an Amazon Prime membership, it’s hard to think of a downside. But if you don’t have a Prime membership, you’d only qualify for the Amazon Rewards Visa Card, which earns cash back at a lower rate.

To decide if this card is worth the cost of a Prime membership ($139 for a regular annual membership, $69 for an annual membership at the college student rate), note that you’d need to spend $2,780 on purchases earning 5% back to recoup the cost of a regular membership and $1,380 to recoup the cost of a student membership.

• Only available to Amazon Prime members
• Get a $100 Amazon Gift Card instantly upon approval.
• 5% back at Amazon.com and Whole Foods Market
• 2% back at restaurants, gas stations and drugstores
• 1% back on all other purchases
• No foreign transaction fees

Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earning rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically

Why we picked this card: The Discover it^® Student Cash Back is a great choice for those just starting to build a credit profile. It lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. The lack of an annual fee also makes it a smart choice for students.

The Discover it^® Student Cash Back is best for students who want to build credit, take advantage of Discover’s valuable sign-up bonus and don’t mind activating rotating categories.

Discover’s other student credit card, the Discover it^® Student chrome, doesn’t require you to activate categories. You can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. This option may be better for people who want a card that requires less upkeep.

With a $0 annual fee and straightforward rewards rate, the Discover it^® Student Cash Back is great for students using their first credit card.

• INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
• No credit score required to apply.
• Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
• No annual fee and build your credit with responsible use.
• 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% - 26.24% applies.
• Click "Apply Now" to see terms and conditions.