An additional 1.5% cashback is available if you deposit S$100,000 into the Unlimit$aver account with the bank. The best unlimited cash back credit card is the Wells Fargo Active Cash Card because it gives 2% cash rewards on all purchases, with no spending limit and no earning cap. When you earn credit card points, you can redeem them as cash back (often, but not always, equivalent to 1%) or you can redeem them for other rewards through the program. 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (like wholesale clubs, gas stations & EV charging stations, or bills and home utilities). You dont have to hunt for the most valuable redemptions and dont have to worry about getting below-average value. Other Benefits and Drawbacks: The Blue Cash Preferred Card from American Express also offers return protection*, secondary car rental loss and damage coverage** and an up to $120 annual statement credit for Equinox+ membership. All other purchases earn 1% back. can be applied for through NerdWallet, and some cannot. The Bank of America Unlimited Cash Rewards credit card is simple: The card earns 1.5% unlimited cash back on all purchases, redeemable as a credit card statement credit or a deposit. What kinds of cash-back credit cards are there? The Wells Fargo Active Cash Card is a Forbes Advisor top pick for a flat-rate cash-back card, earning 2% cash rewards on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. Other Benefits and Drawbacks: Like the Discover it Cash Back, the biggest downside to the Discover it Balance Transfer is that you have to remember to activate the bonus categories each quarter or you wont earn the higher cash-back rate. But now it pays a flat 1.5% on all purchases. You'll earn 8% back on Capital One Entertainment purchases and 3% back on dining, grocery stores, eligible streaming services and entertainment. In the U.S., coverage is secondary to your personal insurance. It pays unlimited 1.5% cash back on everything and comes with a sign-up bonus. This card also puts you in charge of your new cardmember bonus. Balance Transfer is back! 500, reversed on annual spends on Rs. Contactless Cards - The security of a chip card, with the convenience of a tap. Best for Bonus rewards: 5% categories tailored to your spending. will more than make up for it for families that spend a lot on groceries, gas, transit and streaming. It also offers extended warranty, 24-hour travel assistance services and a complimentary concierge service. 50,000; Other benefits (subject to a $25 deductible). Read More: How Many Credit Cards Should I Have? Please visit americanexpress.com/benefitsguide for more details. Balance Transfers do not earn cash back. And don't sleep on the sign-up offer: earns a simple, straightforward rate on all purchases, and you can boost that rate even further if you're eligible for the Bank of America Preferred Rewards program. Pre-qualified offers are not binding. If a transaction fee is, for example, 3%, issuers may provide 1.5% cash back to the consumer as an incentive to apply for and use the card. You could turn $150 cash back into $300. If you seek more benefits than the Capital One SavorOne card offers, consider the $95-annual fee Savor Rewards Credit Card*. Card issuers offer cash-back rewards to incentivize use of a card. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 17.74% to 28.74%. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. 1.5% unlimited cashback on online and 1% unlimited cashback on offline spends is decent. Some cards pay a single, flat rate on every purchase, while others pay higher rates in specific categories and a lower rate on everything else. There's also a generous sign-up bonus, not to mention an intro APR offer. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 27.49%. 5% cashback on Flipkart, Myntra and 2GUD. Still, while travel dreams are more exciting than another $90 in cash back on your credit card statement, cash-back credit cards might actually be the right choice for most people. Click the button below to start referring. We believe everyone should be able to make financial decisions with confidence. HSBC Cashback Credit Card offers unlimited 1.5% cashback on online purchases and 1% cashback on all other purchases. Another con of cash-back cards is that, compared to specialty rewards cards, there are usually fewer built-in benefits. After that, your fee will be 5% of each transfer (minimum $5). The issuer and its associates may also earn more overall because the higher-income customer is incentivized to spend more using the card in order to earn more rewards. The key is to make sure paying the annual fee is worthwhile mathematically. Many types of cards offer cash-back rewards, including ones earning the same flat rate on everything you buy, ones offering tiered rewards where certain areas of spending earn higher rewards than other categories and cards offering elevated rewards in specific categories that change quarterly. You can snag a bonus by openinga SoFi Money or SoFi Invest account (see terms), and there's also a way to reduce your APR. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! No or low annual fees. Category activation can be a hassle, but if your spending matches the categories and for a lot of people, it will you can rack up hundreds of dollars a year. You'll earn 8% back on Capital One Entertainment purchases and 3% back on dining, grocery stores, eligible streaming services and entertainment. 1% Cash Back on other purchases. Higher cash back percentages can be had on different cards for specific categories. T&Cs apply. Plus, earn unlimited 1% cash back on all other purchases - automatically. The value in this card is all in the rewards rate, so there's no sign-up bonus or 0% period for purchases. In that case, a, is probably a better choice. Many of them allow you to take your earnings in the form of a statement credit, which reduces the monthly balance you need to pay on your bill. Read our review. You can find plenty of choices with no annual fee or reasonable fees if you want superior cash-back rewards. on Discover's website, or call 800-347-0264, Best for Bonus rewards: Quarterly categories + cash-back match. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited card. on new purchases, balance transfers or both. Points expiration/losing points: Your points dont expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Membership must be activated with a United States address. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Amazon.com Shop with Points service terms apply. FICO Scores with source: Experian 759 . There's also a generous sign-up bonus, not to mention an intro APR offer. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 27.49%. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. Earn 6% back at U.S. supermarkets on up to $6,000 spent per year (then 1% back); 6% on select U.S. streaming services; and 3% back at U.S. gas stations and on transit. $200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. NerdWallet's ratings are determined by our editorial team. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Annual Fee. Depending on your preferred redemptions, other types of credit card rewards might be more valuable to you. 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. Terms Apply. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Opens Wholesale Club Visa Card Acceptance Credit Cards page in the same window. New cardholders get a great bonus opportunity, too. MORE: Cash-back cards that are great for travel, too. A 3% fee (min $10) applies to all balance transfers. Take advantage of rotating bonus categories, Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise, you could miss out on hundreds of dollars. But if you rarely shop for groceries, you might get more utility out of a card that earns an unlimited 4% cash back on dining and entertainment, 2% on groceries and 1% on all other spending. Prior to working for Forbes, she contributed to other leading publications in the credit cards and rewards space. There's no 0% intro period for purchases and no bonus categories, but the high rewards rate more than makes up for the lack of bells and whistles. When it comes to credit card rewards, where the typical card offers 1.5% cash back, cards offering 5% cash back rewards are about as good as it gets more than three times as good, in fact. $0 intro annual fee for the first year, then $95. You earn 6% cash back on up to $1,500 a quarter in combined spending at two retailers you choose from a list. Click the card name to read our review. Welcome Offer: This card does not offer a welcome bonus. Leveraging multiple cash-back cards can mean earning elevated rewards across multiple bonus categories. This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. We strive to provide you with information about products and services you might find interesting and useful. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores and on entertainment. Most cash-back credit cards keep a running total of the rewards youve earned in the past year, so log in to your account and check your statements after a year to make sure its worth it to pay the annual fee again. . Gas sounds like a really useful category, but unless youre a long-distance commuter, most households dont spend as much at gas stations, Card issuers determine whether a purchase earns a higher rate based on the retailer's. Statement Credits on Instacart Purchases: Earn up to $10 per calendar quarter (for Freedom, Freedom Unlimited, Freedom Flex, and Freedom Student cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/Chase with your eligible Chase credit card. Flat-rate cashback cards. Please contact us directly if you have any account or service related issues. The Green Dot Bank Unlimited Cash Back Bank Account Visa Debit Card earns an impressive 2 percent cash back on online and mobile purchases, plus it throws in a 2 percent APY savings account (on . Gas sounds like a really useful category, but unless youre a long-distance commuter, most households dont spend as much at gas stations as they do at, say, supermarkets. Click Apply Now to see terms and conditions. You might be using an unsupported or outdated browser. You have to opt in to the bonus categories every quarter, which can be a hassle. $900 Cash Back After You Spend $6,000 On Purchases In The First 3 Months From Account Opening: You will receive 90,000 bonus points with this bonus offer, which can be redeemed for $900 cash back. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. This card comes with a 0% introductory APR for 15 months on purchases and eligible balance transfers. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Earn unlimited 3% cash back on purchases made with the card through PayPal and unlimited 2% cash back on all other purchases. Earn cash back for every purchase Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate. Membership must be activated with a United States address. See rates & fees). Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions wont count and wont earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. With rotating bonus category cards, you will earn higher-than-average rewards, typically about 5%, on specific areas of spending up to a quarterly maximum. Commissions do not affect our editors' opinions or evaluations. 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. Many households that spend a lot on groceries and streaming will be better off with the. Cashback Credit Card Variant. Annual Fee: $0 If you carry a balance from month to month, the interest can quickly gobble up more than you're earning in cash back. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Terms apply. 2. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness. If your cash-back categories overlap, youll wind up with redundant cards in your wallet. Travel rewards credit cards can earn sizable returns if youre willing to track point values and optimum redemption options. So how do we make money? In that case, a low-interest card is probably a better choice. That means no hoops to jump through, categories to keep track of, or bonuses to activate just 2% cash back every time you swipe. Consider the. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Blue Cash Everyday Card from American Express, Best for Bonus rewards: Popular 3% categories + no annual fee. If youre a frequent traveler, you might be able to reap better value from a travel credit card, maybe coupled with an airline card or hotel card. Cash-back credit cards offer the most useful and flexible rewards currency there is: cash. See Instacart Terms of Service for more details. We all need food to survive, and if you prefer to buy your groceries at the store rather than dine out, the Blue Cash Preferred Card from American Express (Terms apply. New cardholders can snag this sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Many of the best hotel credit cards give you a free night's stay each year. Helping our customers meet their financial needs is important to us. 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). The combined 2% rate on all purchases is probably the best you're going to do on a card with a $0 annual fee. If you carry a balance from month to month, the interest can quickly gobble up more than you're earning in cash back. S$ 0. Legally speaking, credit card rewards are treated as discounts on purchases rather than as income. The exact amount youll earn depends on your particular cards terms. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. It's even more attractive with its current welcome bonus of S$250 Grab vouchers for new-to-UOB Credit Cardmembers. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through, Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all other, Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and. For example, if your card earns 2% cash back on all purchases, and you buy something for $80, then you would earn $1.60 in cash back. The Chase Freedom Flex offers rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus a generous bonus for new cardholders. If you drive, the OCBC 365 Card offers amazing cashback of 5% on fuel spend at all petrol service stations and up to . You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. NerdWallet strives to keep its information accurate and up to date. Factors in our evaluation include each card's cash-back earning rates, rewards structure (such as flat-rate or tiered categories), annual fee, redemption options (including minimum redemption amounts), promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as loyalty bonuses or the ability to choose one's own rewards categories. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Youll earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1% on all other purchases. There are no bonus categories to track or spending limits to be mindful of. New cardholders get a great 0% intro APR period for purchases. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement. Canada's Best Cash-Back Credit Cards Best for flexible rewards + our pick for fair credit and balance transfers Tangerine Money-Back Credit Card Annual Fee $0 Interest Rates 19.95%. Enrollment required. (You will be responsible for the cost of any goods or services obtained. Learn More About Preferred Rewards. You can earn $100 cash back for each friend who gets any participating Chase Freedom credit card. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter's maximum, or will not qualify if the promotional period has ended. Even with a $0 intro annual fee for the first year, then $95 annual fee, the high rewards on U.S. supermarkets and U.S. gas stations can help offset the expense for many families. That comes out to $255 cash back with the Everyday card's bonus categories ($8,500 x 3 percent = $255). All Rights Reserved. Benefits of DashPass from DoorDash include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass-eligible merchants (amounts subject to change). High cash-back rewards in several categories of spending, No enrollment is required, cash back is automatic, Comes with several travel benefits and protections, 6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%). Our Cashback credit card rewards you with unlimited cashback on all spends of up to 5%, 20% for the first 6 months with top merchants with zero annual fees. For example, airline cards often offer, Still, while travel dreams are more exciting than another $90 in cash back on your credit card statement, cash-back credit cards might actually be the right choice for most people. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Read our review. New cardholders can snag this sign-up bonus: gets high marks for pure value and simplicity: 2% cash back on every purchase 1% when you make it and 1% when you pay it off. Opens Featured Credit Cards page in the same window. All deliveries subject to availability. Youre unlikely to find such valuable perks as reimbursement for TSA Precheck applications or free checked bags or early check-in at a hotel. 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. Discover will automatically match all the cash back youve earned at the end of your first year! Opens Airline Credit Cards page in the same window. Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise you could miss out on hundreds of dollars. Plus, enjoy access to our Online Shopping portal with 100s of exclusive discounts. Its usually easier to hit the required spending level for a sign-up bonus on a cash-back cards than on travel credit cards. 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. Please visit americanexpress.com/benefitsguide for more details. Opens Balance Transfer Credit Cards page in the same window. Travel rewards, such as airline miles or hotel points, can be strategically redeemed to get outsized value. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. Points earned with travel cards can sometimes be parlayed into huge value, far exceeding the value of any cash-back card. 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center. INTRO OFFER: Unlimited Cashback Match only from Discover. Annual Fee: $0 ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). Get $7 back each month after using your Blue Cash Everyday Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Many or all of the products featured here are from our partners who compensate us. Annual Fee: $0 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. Cash Back on eligible spend. Hence, the bigger your spendings, the bigger cashback you can fetch. For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. You earn unlimited 1.5% cash back on every purchase, and you can redeem your cash back in any amount, with no minimum. ** Same page link to disclaimer reference These benefits are available when you use your card. If you would rather avoid an annual fee, the Blue Cash Everyday Card from American Express offers 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the base 1.5% Cash Back rewards. MoneySmart Exclusive: Apply and spend S$250 to get an Apple AirPods Gen 3 (worth S$269) or Nintendo Switch Lite (worth S$279) or S$250 Cash via PayNow. . The $50 will be reflected in . Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more. Welcome Offer: Earn $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It to split up large purchases into monthly installments. The right cash-back card for someone else may not be the right cash-back card for you. Discover will automatically match all the cash back you've earned at the end of your first year! The categories might not be a good fit for everyone. Click "Apply Now" to see terms and conditions. Cash back can be redeemed for statement credit, gift cards, electronic . 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). If you have a card with rotating cash-back bonus categories, make sure to activate the categories every quarter so you dont miss out on 5% cash back on featured categories like restaurants, wholesale clubs, gas stations, groceries and more. A big exception: Americans who travel overseas an average of at least once per year are often better off with a travel rewards credit card because of higher point values and no foreign transaction fees. But a dollar in cash back is a buck you can spend anywhere. Current credit cards you are the primary account holder of: Local credit union card w/ flat 1% cashback $2,500 limit, 09/2014 (not an authorized user, but this is a joint account if that makes a difference) . This card offers a 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months. Your spending habits and preferences determine which card will hold the most reward potential for you. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% 27.49%. Best for Flat-rate cash back: High ongoing rate + incentives, Earn unlimited 2% cash rewards on purchases. If you spend $60 at a restaurant using a card that gives 3% back on restaurant spending, you just earned $1.80 for doing nothing. Standard Chartered Unlimited Card product summary: Earn 1.5% cashback on all spends No cashback cap No minimum spend required to start earning cashback Income requirement: $30,000 (Singaporeans/PR), $60,000 (Foreigners) Minimum age: 21 Annual fee: $192.60 (first two years fee waiver) Apply Now Cash Back Credit Cards. A good benchmark is 1.5% cash back on everything. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. These programs, like Chase Ultimate Rewards or Citi ThankYou points, build in flexibility. Information provided on Forbes Advisor is for educational purposes only. Earn up to $250 Heres How: Earn up to $150 back when you shop with PayPal. CHASE DOES NOT ENDORSE/GUARANTEE THE ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ALL SUBMISSIONS INCLUDING POSTS MADE BY EMPLOYEES/SUPPLIERS WHO ARE NOT AUTHORIZED ADMINISTRATORS OF THIS SITE. These simple cards earn the same percentage for nearly every type of purchase. Cash Back rewards do not expire as long as your account is open! Pay $0 intro plan fees on plans created during the first 12 months after account opening. Thats because, cards with annual fees often have more lucrative rewards. 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. The Forbes Advisor editorial team is independent and objective. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It to split up large purchases into monthly installments. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. that determine how you accumulate cash rewards. Intro Offer: Unlimited Cashback Match - only from Discover. You also earn 5% cash back on travel purchases made through Chase Ultimate Rewards and 3% cash back on dining purchases at restaurants, including takeout and eligible delivery services, and drugstores. Instant Digital Credit Card with Unlimited Cashback You can apply for an Instant Digital Credit Card online through 'MyInfo' Standard Chartered. You can also easily calculate your earnings so you know precisely what to expect. Rewards: Earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. With Discover's unique bonus and a. does well as either an everyday card or a backup. Safeguard your account using real-time monitoring for possible signs of fraudulent activity. Calendar quarters are JanMarch, AprilJune, JulySeptember, OctoberDecember, and the partial calendar quarters at the beginning and end of the promotional period. Here are the best cashback credit cards offered by top banks. Member FDICEqual Housing Lender, Clickable card art links to Chase Freedom Unlimited (Registered Trademark) credit card product page However, other fees (including service fee), taxes, and gratuity on orders may apply. Nobody wants to pay an annual fee and most cash-back cards dont have one but sometimes it can work out better. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. Capital One Quicksilver Cash Rewards Credit Card, Best for Flat-rate cash back: Bonus offer + intro 0% period. The EZ-Link facility enables you to tap your card to pay for your public transport and commute easily. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window. HDFC Bank MoneyBack Credit Card. Bonus rewards: Quarterly categories + cash-back match. Terms apply. Otherwise, you earn 1.5% cash back on new net retail purchases. Some cash-back cards also allow you to redeem cash back by applying it to purchases. Here is a list of our partners and here's how we make money. The rewards it pays in those categories particularly at U.S. supermarkets and on select streaming services are among the richest of any card. Just answer a few questions and we'll narrow the search for you. Cash Back and Points: "Cash Back rewards" are the rewards you earn under the program. Same page link to pricing and terms reference. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). The $0-annual-fee Citi Custom Cash Card offers something unique in its class: 5% rewards that are automated based on your spending and don't require any "activation" or bonus-calendar tracking. Means you won't be held responsible for unauthorized charges made with your card or account information. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. It offers slightly simpler rewards-earning categories compared to the Freedom Flex, though we think most people will earn a bit more with the Freedom Flex. * Same page link to Offer Details And there is no minimum to redeem for cash back. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. Gas stations. If you don't have significant grocery expenses, however, this simply isn't the card for you. Rewards redeemable for cash. Depending on your spending, this match can easily exceed the bonuses you can earn from other cards. Theres no one best cash-back card that will earn the most rewards for everyone. The. * Same page link to Offer Details, 0% intro APR for 15 months from account opening on purchases and balance transfers. Same page link to Pricing and Terms After the intro period, a variable APR of 18.74(7.00 + 11.74)%27.49(7.00 + 20.49)%. Same page link to Pricing and Terms Balance transfer fee applies, see pricing and terms for more details. Same page link to Pricing and Terms. 2022 Bank of America Corporation. To receive this benefit, cardholders must enroll in their Amex card account.). 24/7 customer service. New cardholders who apply through NerdWallet get this bonus 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! was already a fine card when it offered 1.5% cash back on all purchases. 0% Intro APR on balance transfers and purchases for 15 months. You may be able to choose how your cash back is redeemed: as a statement credit, as a deposit to a qualifying bank account or as a check the issuer will mail to you. Forbes Advisor combed through the profiles of dozens of cash-back credit cards. How you can earn points: Youll earn points on purchases of products and services, minus returns or refunds, made with a Chase Freedom Unlimited credit card by you or an authorized user of the account. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Also Read - Exclusive: HDFC Bank's RuPay Credit Card goes live on BHIM app, will be able to pay with credit cards through UPI at neighborhood shops. Discover will automatically match all the cash back you've earned at the end of your first year! Theres no minimum spending or maximum rewards. If you product change to another Chase credit card during the promotional period, your benefits may change. Please try again later. Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. If you change to another Chase credit card during the promotional period, your benefits may change. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. This card earns 2% cash back when you redeem your rewards into a SoFi Money, SoFi Invest or SoFi Crypto account, or when you apply them to the outstanding balance on a SoFi loan. However, this assumes youre well-versed on the programs strengthsand have the flexibility to take advantage of them. NerdWallet's ratings are determined by our editorial team. Beware of minimum redemption requirements, You typically dont want to carry a monthly balance with rewards cards, but some cash-back cards offer. Redeem for Cash Back rewards Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards . The card earns 5% back automatically in your eligible top spending category per billing cycle, on up to $500 spent per cycle. And you get that rate automatically; it's customized to your spending. However, this does not influence our evaluations. 2. (You wont receive this benefit if membership is purchased via the Equinox+ app or through a third party. Please note: We make every effort to include all relevant merchant codes in our rewards categories. That's an impressive, hard-to-find combination of features on a card with a. has been a top choice among flat-rate cash-back cards. combines a rich offer for new cardholders (see the product details tab) with a semi-customizable rewards structure that lets you choose which purchases will earn the highest cash-back rate. Opens Hotel Credit Cards page in the same window. The Chase Freedom Unlimited was already a fine card when it offered 1.5% cash back on all purchases. 2022 JPMorgan Chase & Co. Rotating bonus category cards sometimes designate specific retailers for bonus rewards for a quarter, such as Amazon or Walmart. Earn 3% back at restaurants and grocery stores, and on eligible streaming services and entertainment; and 1% cash back on all other purchases. Rewards: Earn 3% cash back on dining, entertainment, popular streaming services and grocery stores (which excludes superstores like Walmart and Target), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases. Gas stations. 6% Cash Back on select U.S. streaming subscriptions. No outsized value. Also note the low rewards rate outside of your lone bonus category for the month. All other purchases earn 1% back. With some cards, you get to choose which categories earn the higher rewards. Link toggles the Credit Card sub navigation, Opens Chase Credit Cards page in the same window. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. Simplicity is this card's strength, but if you're willing to put in a little effort, you can score bigger cash back with other options, especially those with bonus categories. Options include Amazon, Walmart, Target, Best Buy, Home Depot and more. Use the card's shopping portal for extra rewards. Earn up to $250 Heres How: Earn up to $150 back when you shop with PayPal. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. We'll alert you of any new activity on your credit report and usage, in order to help detect any potential fraud. Love this credit card. Activating the bonus categories each quarter can be a hassle. The Discover it Balance Transfer is nearly identical to the Discover it Cash Back, except for the intro APR offer of 0% intro APR for 6 months on purchases and 18 months on eligible balance transfers. Citi Cash Back Credit Card. This cards 6% cash back rate at U.S. supermarkets (on up to $6,000 a year in spending, then 1%) and its 3% rate at U.S. gas stations have long made it a NerdWallet favorite. The rotating 5% categories might not be a good fit for everyone, and in recent years, they've shifted a bit toward lower-spending areas: Restaurants dropped out of the rotation entirely (although dining is now a permanent 3% category), and gas stations have been included for two quarters a year. Rotating bonus category credit cards offer a high cash-back rate, typically 5%, in specific categories that change periodically usually every three months. Make sure to choose one based on your spending pattern. If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. Customizable rewards: 3% categories you can adjust monthly. To view rates and fees for Blue Cash Preferred Card from American Express please visit this page. This card is a winner already, but it can be even better when paired with a Chase Sapphire Preferred Card, Chase Sapphire Reserve or Ink Business Preferred Credit Card. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. There's a good bonus offer for new cardholders, too. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening, Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. You can click on the links at the top (or know more about us from the links below). Credit Card Funds Transfer is another financial service that we can access with the Standard Chartered Unlimited Cashback Credit Card. Earn 5% on Chase travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores and 1.5% on all otherRead More, A good overall spending card that allows you to hold a balance on new purchases with a low introductory APR, pay no annual fee, and still earn at least 1.5% cashback on all purchases, Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart andRead More. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. 5% Cash Back in the grocery store category (excluding Walmart and Target) until the earlier of the end of your first 12 months or first $12,000 spent: Youll earn 5% Cash Back rewards total for each $1 spent on purchases in the grocery store category (excluding Walmart and Target) made within your first 12 months from account opening, or until you reach $12,000 in grocery store purchases, whichever occurs first (3.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). 5% total Cash Back on qualifying Lyft rides through 03/2025: Youll earn an additional 3.5% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. For example, a credit card that provides 2% cashback on all offline spends, 3% cashback on all online spends, and 5% cashback on Amazon, is the greatest choice for people who make online purchases frequently. * Same page link to Offer Details, Decline the rental company's collision insurance and charge the entire rental cost to your card. Non-transferable. Other Benefits and Drawbacks: Like the Freedom Flex, the Freedom Unlimited offers purchase protection and extended warranty protection. For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate. applications or free checked bags or early check-in at a hotel. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. For more information, please see www.chase.com/contactless Opens in a new window. . The Capital One SavorOne Cash Rewards Credit Card is worth consideration for those looking for a cash-back card with an introductory purchase APR. Then, a standard rate of 15.74% - 26.74% variable applies. All other purchases earn 1% cash back. ** Same page link to disclaimer. This works very well for those who like to shop online but do not want to be limited to a particular website. The best part is that you can avail these even at low salaries, making these one of the most affordable credit cards in the UAE. About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Press Copyright Contact us Creators Advertise . Cash-back cards are easy to understand and use, but they can also seem boring. This puts it in competition with the best flat-rate cash back cards on the market. Opens Chase Credit Journey in a new window, No Foreign Transaction Fee Credit Cards (28), Wholesale Club Visa Card Acceptance Credit Cards (16), SAFE Act: Chase Mortgage Loan Originators, https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US, help.doordash.com/consumers/s/article/offer-terms-conditions, 5% cash back on all travel purchased through Chase Ultimate Rewards, 3% cash back on dining at restaurants, including takeout and eligible delivery services. Other Benefits and Drawbacks: The Capital One SavorOne Cash Rewards credit card does not charge foreign transaction fees. * Same page link to Offer Details, Earn 1.5% on all other purchases. * Same page link to Offer Details We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet. Often, it counts everything you buy in the associated convenience store, too, although a few cards count only gas paid for at the pump. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third-party merchants. Cashback credit cards provide you cashback on all your spends, but most of them come with accelerated cashback offers on selected categories. You can opt-in for Discover to remind you when the bonus categories are changing. Link your Chase Freedom Unlimited card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping. There are four types of cashback cards: 1. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. The Discover it Cash Back earns bonus cash back in quarterly categories that you activate. Capital One Quicksilver Cash Rewards Credit Card, which pairs a flat cash back rate of 1.5% with a long 0% intro APR on purchases and balance transfers for 15 months; 17.99% to 27.99% (variable . To earn cash back, pay at least the minimum due on time. A balance transfer fee of up to 5% of the amount transferred applies, making it a cost-saving option if you have a big purchase coming up or want to consolidate high-interest debt. Every $1 you earn in cash back is $1 you can redeem. Current value of the DashPass membership is as of 04/01/2022. You get 5% cash back on up to $1,500 in spending per quarter in categories that you activate and unlike with some cards, the 5% categories include places where a lot of people spend a lot of money. )** Same page link to disclaimer. PRODUCTS AND BENEFITS MENTIONED IN REVIEWS MAY CHANGE OVER TIME. Instead of points that you have to figure out how to redeem and that you might not be able to redeem for something you want you get real dollars and cents you can use for, well, anything. These fees, though only typically 2% to 4% of a transaction amount, are split among the banks, card issuers, fintech companies and card networks involved in facilitating the purchase. You typically dont want to carry a monthly balance with rewards cards, but some cash-back cards offer 0% intro APR periods on new purchases, balance transfers or both. 1% Cash Back on other purchases. However, most of these cards also have monthly earnings caps. Our experts have compiled a list of cards with some of the best cash back offers out there today, including 5% cash back in rotating categories, 2% cash back credit cards on everything, and cards with a $100-$500 cash bonus. . Tiered rewards cash-back cards earn different amounts back in different areas of spending. is a strong contender for fee-averse families. Valid until 30 Sep 2022. Opens Business Credit Cards page in the same window. But several cards give you back 2% or even more. As you compare cards and credit card issuers, there are some things that you should incorporate into your evaluations. Activate by mobile app for free. New cardholders get a great bonus opportunity, too. Restrictions, limitations and exclusions apply. Citi will only issue one Citi Custom Cash Card account per person. End disclaimer. Restaurants. Once again, cash back is the easiest and most straightforward option. Card issuers determine whether a purchase earns a higher rate based on the retailer's merchant category code, which usually describes the merchants primary business. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. 5% cashback on Amazon and Flipkart; 1% cashback on offline spends and wallet reloads. . Some accounts redeem cash back automatically. The Discover it Cash Back card will automatically match all of the cash back youve earned at the end of your first year, with no limits. Past performance is not indicative of future results. Opens Dining Credit Cards page in the same window. Best 5% Cash Back Credit Cards Featured Partner Offer Chase Freedom Flex Apply Now On Chase Bank USA, NA's Website 5.0 Up to 5X Reward Rate Earn 5% cash back in categories that rotate. Nobody can change the value of it, and you can spend it anywhere. Cash Back Cap. Member FDIC. AT A GLANCE. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Every card presents cash-back rewards in different ways. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More. Statement credits will be issued for the calendar quarter in which the transaction posts to your account. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. . 3% Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%). Other Benefits and Drawbacks: In addition to the useful bonus categories, the Chase Freedom Flex offers purchase protection and extended warranty protection. If joining a credit union is unpalatable to you, you routinely spend more than $10,000 a month on your card or you dont want to pay an annual fee, another option is the Citi Double Cash Card which earns 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid off. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome Offer: Earn $250 statement credit after making $3,000 in purchases within the first 6 months. If your spending is more concentrated in one food category over the other dining out or cooking at home you might do better with a card that specializes in one of those areas. , which can be aspirational visions of earning a free flight to Bora Bora in first class or a night at a swanky hotel in New York City. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits with no annual fee (Terms apply. The highest-paying cash back card available today depends on how you spend money and how many cards you want to have. All other purchases earn 1% back. Its essentially free money. Something went wrong. If youre willing to switch among cards to maximize your rewards, be sure to get cards that complement one another's rewards structures. Here is a list of our partners. offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. . Learn how NerdWallet rates credit cards. All financial products, shopping products and services are presented without warranty. We apologize for the inconvenience. Online credit card malls, accessible through your credit card login, can help you earn extra cash back on your web-based purchases, sometimes up to 10 times as much. No annual fee and no expiration on rewards. Opens Travel Credit Cards page in the same window. Bank Fees. Earn unlimited 1.5% cash back on all purchases. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC. Instant Fund Transfers using a Credit Card Unlimited Cashback A cash sign-up bonus is nice to get if your regular spending will be enough to earn it. Big spenders at US supermarkets and road warriors who frequently spend at US gas stations or transit like taxis, rideshares or transit can rack up impressive cash back rewards. And don't sleep on the sign-up offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. The rewards structure requires a bit of work, since it's on you to lock in your 6% and 3% options each quarter. Enjoy 6% cashback on dining and online food delivery all week, and 3% cashback on on groceries, land transport, utilities and online travel. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default. The card earns 3% cash back on up to $6,000 spent per year in each of three categories: U.S. supermarkets, U.S. gas stations and U.S. online retail purchases. After that, a Variable APR that's currently 16.99% to 26.99% will apply. But the card also features a generous sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.. On top of that, it also offers a 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 18.74%, 23.74%, or 28.74% Variable APR. 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! Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. Few cards offer as compelling a combination of cash-back rate, sign-up bonus, intro 0% APR offer and redemption flexibility as the Capital One Quicksilver Cash Rewards Credit Card. You could turn $150 cash back into $300. Some cash-back cards charge you a percentage of every purchase you make abroad. For example, a card might earn 6% cash back up to the first $6,000 in spending at U.S. supermarkets and after that 1%. Opens Rewards Credit Cards page in the same window. Synchrony Premier World Mastercard. $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. 2. What's not to love about about this card!? Balance Transfer Credit Cards. ** Same page link to disclaimer, Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. Get a 0% intro APR for 15 months on purchases. Theres generally no learning curve required and you can claim your rewards with a few clicks in your online accountsometimes theyre even provided as a statement credit automatically. Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. UOB Absolute Cashback Credit Card is a great card for those who want to earn easy cashback on all spend without worrying about caps and restrictions. 1.5% Cash Back on all other eligible purchases. offers a compelling combination of a good rewards rate, redemption flexibility, sign-up bonus and introductory 0% APR period. Think of it this way: A cash-back rewards card is like getting a discount on everything you buy with the card. The OCBC 365 Card is one of our favourite cashback credit cards for all-round savings. We tried. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. ** Same page link to disclaimer, You can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. A 2016 study by NerdWallet found in many cases, a consumer could get more value by using a cash-back card and using the cash rewards to pay for travel expenses. Theres a minimum cash back redemption of $25. After that, 16.24 %- 22.24 % variable APR. If you don't have significant grocery expenses, however, this simply isn't the card for you. Keep in mind Discover has a more limited reach outside the U.S. than other card networks. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Be sure to check with your bank or financial institution and a tax advisor to be certain. Best Unlimited Cashback Credit Cards in Singapore (2022) Credit Card Monthly Minimum Spend to Unlock Max Cashback Cashback Range Unlimited Cashback; American Express True Cashback Card: None: 1.5 - 3%: 1.5%: CIMB Visa Infinite Card: S$2,000: 1 - 2%: 1 - 2%: CIMB World Mastercard: S$500 to S$1,000: 1 - 2%: 1 - 2%: UOB Absolute Cashback . 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. annual fee: 5% back automatically in your eligible top spending category on up to $500 spent per billing cycle (1% back elsewhere). 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Airline credit cards card also puts you in charge of your first year then. Privacy Policy & amp ; Safety How YouTube works Press Copyright Contact Creators! Requirement to qualify for the cost of any cash-back card for someone else may not a... Transport and commute easily with some cards, electronic monitoring for possible of! First 90 days of your credit card huge value, far exceeding value! Compared to specialty rewards cards, there are four types of credit card categories... Discover it cash back on prepaid car and hotel reservations booked directly the! Discover has a more limited reach outside the U.S. than other card networks value, exceeding... From account opening card or account information to redeem cash back, gift cards, and... Some cash-back cards also have monthly earnings caps Instacart+ section of the DashPass is! For possible unlimited cashback credit card of fraudulent activity benefits are available when you shop PayPal... Streaming services are among the richest of any cash-back card with a. has been top. At least $ 1,000 in purchases ( then 1 % ) travel cards can sometimes be parlayed huge! Earn from other cards expenses, however, this assumes youre well-versed on the market spends! Cards provide you with personalized insights to help you build, monitor and protect your credit report usage. Booked directly in the same window used with the card through PayPal and unlimited 2 % cash back all. Charges an annual fee in those categories particularly at U.S. supermarkets on up to $ 250 vouchers! End of your credit card rewards might be using an unsupported or outdated browser % to 26.74 Standard... Fee applies, based on credit worthiness: 3 % categories you can redeem on travel credit.... '' to see terms and conditions, or the failure to provide you personalized. Visa card Acceptance credit cards 100 cash back is the easiest and most straightforward option too. The low rewards rate, so there 's no sign-up bonus, otherwise you could turn $ 150 when. Legally speaking, credit card 3,000 in purchases on your new card within the first 6.. $ 500 on purchases rather than as income % on all other purchases search for you issuers cash-back... Points with this bonus offer online retail purchases ( up to $ 6,000 year..., based on your creditworthiness than as income nerdwallet 's ratings are by! S $ 100,000 into the Unlimit $ aver account with the card 's shopping portal with 100s of exclusive.... Safety How YouTube works Press Copyright Contact us Creators Advertise questions and we 'll alert you of cash-back! A hotel the security of a chip card, best for bonus rewards on purchases in bonus categories quarter.