Written by investor.com
What’s your rewards earning potential? This credit card rewards calculator makes it easy to find the cashback credit card that pays the highest kickback based on how much you actually spend each month.
If you're looking for a cashback credit card for your small business, great — we've got a finder for that, too. Hop on over to our Business Credit Card Rewards Calculator.
A straight-up 2.5% rewards rate on everything? Yup, as long as you maintain an Alliant checking account, too. If so, this is such a no-brainer that it’s worth the slog through the credit union sign-up/maintenance process.
The basics: Tier One Rewards: 2.5% cashback on the first $10,000 of qualifying eligible purchases per billing cycle, unlimited 1.5% cashback on all other qualifying eligible purchases if you maintain an Alliant checking account. Tier Two Rewards (no checking account required): Unlimited 1.5% cashback on all qualifying eligible purchases.
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A flat, category-agnostic, unlimited 1.5% reward rate? Boring can be beautiful, albeit potentially less lucrative in some spending categories.
The basics: Pays 1.5% cash back on purchases with no spending caps. Includes American Express card network perks. 0% intro APR on purchases for 15 months from date of account opening. Spend $2,000 or more on purchases within the first six months and get a $200 statement credit.
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Instant cash back is cool. Limited rewards opportunities, not so much.
The basics: Pays 3% cash back on purchases from Apple, 2% on transactions via Apple Pay, 1% on all other purchases. Cash back deposited daily (after purchases clear) into your account.
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This card is best for rewards category commitment-phobes and BofA/Merrill Edge customers who qualify for a higher cashback rate. However, big spenders need to keep an eye on the quarterly rewards spending cap.
The basics: Earn 3% on the category of your choice each month. Choose between gas and EV charging, online shopping (including cable, internet, phone plans and streaming), dining, travel, drug stores and pharmacies, or home imp/furnishings. Earn an automatic 2% at grocery stores and wholesale clubs (including those with supermarkets inside) and an unlimited 1% on all else. The 3% and 2% cashback rates apply to the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. Introductory 0% APR for 18 billing cycles on purchases and balance transfers made within 60 days of opening an account. $200 cash rewards bonus after making at least $1,000 in purchases in the first three months.
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This is the BofA Customized Cash Rewards card’s plainer cousin. And sure, the flat 1.5% is easy money. But a better rewards rate (up to 2.62%) is up for grabs if you’re willing to commit to a deeper financial relationship.
The basics: Earn unlimited 1.5% cash back on all purchases. Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Introductory 0% APR for first 18 billing cycles for purchases, and for any balance transfers made within 60 days of account opening. A 3% fee ($10 minimum) applies to balance transfers.
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Cardholders who achieve Gold Tier status in BofA’s Preferred Rewards program get a not-as-impressive-as-it-sounds-at-first 25% rewards boost. That mild bump turns this 1.5% flat-rate cashback card into a 1.87% cashback card, which is … fine?
The basics: Preferred Rewards Gold Tier members earn an unlimited 1.87% cash back on all purchases (a 25% rewards boost from the standard 1.5% rate). The Bank of America Unlimited Cash Rewards card offers a 0% introductory APR for the first 18 billing cycles for purchases, as well as any balance transfers made within the first 60 days of opening your account.
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How do you turn a so-so 1.5% cashback card into a much more attractive 2.25% one? Go platinum! The upgrade requires keeping 50 Gs in a BofA checking or Merrill Edge investment account, which qualifies you for Platinum Tier status in Bank of America’s Preferred Rewards program.
The basics: Preferred Rewards Platinum Tier members earn an unlimited 2.25% cashback on all purchases (a 50% rewards boost from the standard 1.5% cashback rate). The Bank of America Unlimited Cash Rewards card offers a 0% introductory APR for the first 18 billing cycles for purchases, as well as any balance transfers made within the first 60 days of opening your account.
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If you like BofA or Merrill Edge enough to park $100,000 there, welcome to the Platinum Honors Preferred Rewards bonus tier! Your membership comes with a 75% cashback boost — turning this card’s standard 1.5% unlimited rewards rate into a much more noteworthy 2.62% one.
The basics: Preferred Rewards Platinum Honors Tier members earn 2.62% unlimited cash back on all purchases — a 75% rewards boost from the standard 1.5% cashback rate. The Bank of America Unlimited Cash Rewards card offers a 0% introductory APR for the first 18 billing cycles for purchases, as well as any balance transfers made within the first 60 days of opening your account.
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If you’re dead set against paying an annual fee, the 3% rewards rate on groceries, gas and online retail therapy (the stuff you buy for a serotonin boost, that is) is pretty darn good.
The basics: Earn 3% cash back on groceries, gas, and U.S. online retail purchases on up to $6,000 a year in purchases in each separate bonus category, and then 1% thereafter. All other purchases earn 1% unlimited cash back. 0% intro APR on purchases and balance transfers for 15 months from date of account opening. In the first six months earn $200 back after spending $2,000 in purchases.
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Survivalist essentials: Groceries, streaming services and a credit card that pays you 6% in cash back on both. ✅, ✅ and ✅. The all-star cashback rates — and 3% rewards on gas and transit — are free for the first year. After that, you're on the hook for the $95 annual fee.
The basics: Earn 6% cash back on up to $6,000 of grocery store purchases, 6% on select streaming subscriptions, 3% on transit and gas station spending and 1% on everything else. $95 annual card membership fee waived for the first 12 months. 0% intro APR on purchases and balance transfers for 12 months from date of account opening. Earn $300 back after you spend $3,000 in purchases within the first six months of card membership.
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For couch potatoes (raises hand), the 5% cashback rate on streaming, cable TV and satellite services may be the glow-up your collection of rewards cards needs.
The basics: Get 5% cash back on eligible streaming, cable TV and satellite services, 3% cash back on eligible gas and grocery purchases (up to $2,500 in combined spend each calendar quarter), and 1% cash back on all other eligible purchases. Get a $200 cash back bonus when you spend $2,000 within three months of opening your account. 0% introductory APR on balance transfers for 12 months from date of first transfer.
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It’s not saying much, but at least the Capital One Quicksilver Rewards card imposes no spending cap on the 1.5% cash back rate.
The basics: Flat 1.5% unlimited cashback on every purchase and 5% cashback on hotels and rental cars booked through Capital One Travel. 0% intro APR for 15 months on purchases and balance transfers. 3% balance-transfer fee waived on amounts transferred within the first 15 months. Earn a one-time $200 cash bonus once you spend $500 within three months from account opening.
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Zero sign-up incentives. A middling 1.5% cashback rate. It’s the rewards card equivalent of a loveless marriage. That's what's on offer if you've got some baggage in your credit history.
The basics: Earn unlimited 1.5% cash back on every purchase, and 5% cashback on hotels and rental cars booked through Capital One Travel . Requires “good credit” (as in no late payments in the past year or defaults in the past five) to qualify, according to Capital One.
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A $39 annual fee buys you zero sign-up incentives and a middling (albeit unlimited) 1.5% cashback rate. It’ll do … for now.
The basics: Earn 1.5% unlimited cashback on all purchases and 5% cashback on hotels and rental cards booked through Capital One Travel. $39 annual fee. Requires “fair credit” to qualify.
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The unlimited 4% cashback rate on dining and 3% on groceries adds a nice zing to the perk-rich Savor Rewards card, if you can stomach the annual fee.
The basics: Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% at grocery stores, and 1% on all other purchases. Complimentary Uber One membership and 10% cash back on purchases on Uber and Uber Eats through 11/14/2024.
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The SavorOne Rewards card will be palatable to foodies (restaurantgoers and home chefs) who want to avoid a card with an annual fee. But if you're willing to pony up $95 a year for Capital One's other Savor Card, you can earn 4% cashback on dining, entertainment and streaming services instead of the 3% this card pays.
The basics: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus when you spend $500 on purchases within the first three months from account opening. 0% intro APR for 15 months on purchases and balance transfers.
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Complexity, thy name is Freedom Flex. Keeping up with the rotating (and capped) quarterly cashback bonus categories is … a lot.
The basics: Earn 5% cash back on different categories like gas stations, grocery stores (excluding Target and Walmart) and select online merchants on up to $1,500 in total combined purchases each quarter you activate. Earn 5% on travel purchased through Chase Ultimate Rewards; 3% on dining at restaurants (including takeout and eligible delivery services) and drugstores, earn 1% on all other purchases. New cardmembers can earn a $200 bonus after you spend $500 on purchases in the first three months from account opening. Oh, and there's a 0% intro APR on purchases and balance transfers for 15 months. And, no, we don’t get paid by the word around here.
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Don’t yet qualify for one of Chase’s coveted Sapphire cards? Use this as a gateway card.
The basics: Earn unlimited 3% cashback on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% on all other purchases. Earn an unlimited 5% on travel purchased through Chase Ultimate Rewards. New cardmembers earn a $200 bonus after spending $500 on purchases in the first three months of account opening. 0% intro APR for 15 months on purchases and balance transfers.
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A card that rewards spending category fluidity with 5% cashback on autopilot? 🖐 Shame about that $500 spending cap on the bonus rate, though.
The basics: Earn 5% cash back on up to $500 of spending within your biggest eligible purchase category each billing cycle and unlimited 1% cash back thereafter. Earn $200 cash back after spending $750 on purchases in the first three months. 0% intro APR for 15 months on purchases and balance transfers.
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Finally, being a goody-two-shoes (aka paying down your balance) pays — as in it doubles your cash back to 2%.
The basics: Earn 2% cash back on everything — 1% when you buy and 1% when you pay off your balance, no caps on cash back earned. 0% intro APR on balance transfers for 18 months. Transfers must be completed within four months of account opening and incur a 3% balance transfer fee.
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The Costco Anywhere Visa is definitely not your average store credit card. It offers competitive reward rates on practically everything on your shopping list — gas, restaurants, travel — and, of course, a deal (2% cash back) on your Costco/Costco.com purchases.
The basics: Earn 4% cash back on eligible gas and EV charging worldwide for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel purchases worldwide; 2% on all other purchases from Costco and Costco.com, and 1% on all other spending.
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Like other Credit One rewards cards (the Platinum Rewards Visa, X5 Visa, and the no-annual-fee Platinum Rewards Visa), the Credit One Bank American Express Card is best considered as a pit stop on your way to building your credit in order to qualify for a more rewarding rewards card. Here you’ll settle for a bare minimum 1% cashback rate, though access to Amex perks is an extra.
The basics: Earn unlimited 1% cash back rewards on all purchases — no categories to choose or points to redeem — and earned rewards are credit to your account automatically.
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This is the sadder version of Credit One’s no-fee Platinum Visa, with a low and limited rewards rate and high APR on purchases, which reflects the target audience: those building their credit. The only reason to pay a $39 annual fee in exchange for not a lot of upside is, um … We’ll get back to you if we come up with something compelling.
The basics: Earn 1% cash back rewards on eligible purchases (gas, groceries, mobile phone, internet, cable and satellite TV services) and up to 10% more cashback rewards from participating merchants via the More Cash Back Rewards Program.
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Credit One’s 2% cashback rate on gas, groceries and cell/’net/cable bills comes thisclose to making you forget about the card’s limitations.
The basics: Earn 2% cash back rewards on eligible purchases of gas, grocery, and internet, cable, satellite TV and mobile phone services. Automatically get up to 10% More Cash Back Rewards from participating merchants. Free online access to your Experian credit score. (Enrollment required.)
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A 5% cashback rate normally sets our hearts aflutter. Then we saw the $95 annual fee and $5,000 annual — yes, annual — bonus spending cap. You’ll give up nearly one third of the year’s eligible 5% cashback earnings ($250 total) simply covering the annual fee. After that, the bonus rewards potential is a heartbreaking $155 a year. Sigh.
The basics: Earn 5% cashback rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV and mobile phone service purchases each year, and 1% thereafter. Earn unlimited 1% cashback rewards on all other purchases.
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That Year One incentive is 🔥. But the $1,500 quarterly spending cap is a wet blanket.
The basics: Earn 5% cash back at select places (changes quarterly), such as grocery stores, restaurants, gas stations, wholesale clubs, select streaming services, Amazon.com, PayPal purchases, etc. 1% cash back on all other purchases, unlimited cashback match at the end of your first year. 0% intro APR for 15 months on purchases and balance transfers.
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2% cash back on gas and dining — and getting double the cashback you earn in the first year — makes idling in the drive-thru lane a lot less annoying.
The basics: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Earn unlimited 1% cash back on all other purchases. 0% intro APR for 15 months on purchases and balance transfers and 3% balance transfer fee (versus 5%) for a limited time.
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With its 2% cashback rate on everything, no restrictions, PayPal’s Mastercard is worth buddying up to, as long as you’re not looking for a friend with benefits.
The basics: Earn 3% unlimited cash back on PayPal purchases and 2% unlimited on all other purchases.
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If you’re not current or former military, prepare to open an extra bank account to qualify for the PenFed Power Cash Rewards card's 2% rewards rate, or settle for 1.5% cash back.
The basics: PenFed Honors Advantage Member earn 2% cash back on all purchases. Non-member earn 1.5% cash back. 0% promo APR on balance transfers for 12 months (3% fee applies); after that a nonvariable APR of 17.99% applies. Earn a $100 bonus statement credit when you spend $1,500 in the first 90 days.
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The road to approval for a better rewards card starts somewhere — specifically with a 1% cashback, low-credit-line/few-perks card.
The basics: Get 1% cash back on all qualified purchases right away; earn 1.25% after six on-time payments and 1.5% after 12. Cardholders can earn 2% to 10% cash back at select local merchants.
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The PNC Cash Rewards Visa sports some features of a fancypants rewards card (higher-than-average cashback rates) minus the price tag (no annual fee). But big spenders risk bumping up against the annual bonus spending cap.
The basics: Earn 4% cash back on gas station purchases, 3% on dining purchases at restaurants and 2% on grocery store purchases for the first $8,000 in combined purchases in these categories annually. Earn an unlimited 1% cash back on all other purchases. Earn a $200 bonus after making $1,000 or more in purchases during the first three billing cycles. 0% intro APR on balance transfers for the first 12 billing cycles. 3% balance transfer fee for the first 90 days following account opening, and 4% after that.
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If paying down your student loans is a priority, this cashback card from Sallie Mae offers an incentive — a 33 1/3% rewards rate booster (turning a 1.5% cashback rate to 2% cashback) to direct the money towards any federal or private loan.
The basics: Redeem 2% cash back to help pay down any student loan, or earn 1.5% cashback for everything else.
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Impressive menu of rewards categories, Sallie. Impressive.
The basics: Earn 2% cash back on your two highest spending categories per month and 1.5% unlimited cash back on everything else.
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The SoFi Credit Card's 2% unlimited cash back sounds great, until you find out it’s only 1% if you don’t deposit your rewards into a SoFi account. That key detail is explained in the fine print.
The basics: Earn 2 reward points for every dollar spent on eligible purchases. Redeem points at a rate of 1 cent per point if you elect to redeem as cash deposited into your SoFi Money account, as fractional shares into your SoFi Invest account, as cryptocurrency into your SoFi Active Invest account, or as a payment toward your SoFi Personal or Student Loan. Points redeem at a rate of 0.5 cents per point if you elect to redeem them as a statement credit into your SoFi Credit Card account.
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If food is your love language, TD’s no-annual-fee card (offering unlimited cashback on dining and grocery purchases) will pluck plaintively at your heartstrings.
The basics: Earn 3% cash back on dining (includes takeout and delivery), 2% cash back at grocery stores and 1% on other purchases. Earn 5% cashback on gas purchases for 6 months or up to a $6,000 spend. for Earn $150 cash back when you spend $500 within 90 days of account opening. 0% intro APR on balance transfers for first 12 billing cycles after account opening.
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Truist gives you a choice between two just-OK rewards types when you apply. They get 10%-50% better looking, however, if you deposit your cashback earnings into a Truist bank account.
The basics: Choose how you earn rewards when you apply. Earn 3% cash back on gas and 2% on utilities and groceries (with a combined $1,000 monthly spend cap) — and 1% on all other eligible purchases. Or choose to earn 1.5% on all eligible purchases. Heads up! You choose the rewards type when you apply, you just can’t change it later. 0% intro APR on purchases for 12 months after account opening.
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Please take your seats. We’re going to need a PowerPoint presentation to walk you through the rules. But the chance to earn 5% cashback on two categories of your choosing can be worth your while.
The basics: 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose; 2% cash back on one everyday category (gas/EV charging stations, grocery stores or restaurants) and 1% cash back on all other eligible purchases. 0% intro APR on purchases and balance transfers for the first 15 billing cycles. Earn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.
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Calling this a “cashback credit card” is a loose interpretation of the genre. It’s basically a personal loan packaged in plastic, offering cash back that can only be used for one thing — paying down your balance.
The basics: Use the Upgrade Card at retail locations and online and earn unlimited 1.5% cash back on all purchases when you pay them back. Funds from your line of credit are also available to be sent to your bank account. $200 bonus when you open a Rewards Checking account and make three debit card transactions.
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Cashback credit card? Fixed-rate loan on plastic? Although not as pithy, the Upgrade Triple Cash Rewards Visa is basically a reward-you-to-pay-off-your-debt card.
The basics: Use the Upgrade Card at retail locations and online and earn 3% unlimited cash back on purchases in the Home, Auto, and Health categories when you pay eligible purchases back, and earn 1% cash back on everything else.
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A 5% rewards rate is cashback Valhalla. But getting it with this card requires the moon and sun and your life and spending choices to be precisely aligned.
The basics: Earn 5% cash back on your first $3,000 in combined gas station and military base purchases yearly, 2% cash back on your first $3,000 in grocery purchases yearly, and unlimited 1% cash back on all other qualifying purchases. Get a 0% APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening.
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This USAA members-only card has a few niche perks for servicemembers. Otherwise, it’s an average 1.5% cashback card minus any sign-up incentives.
The basics: The USAA Preferred Cash Rewards Visa Signature Card pays 1.5% cash back on purchases, no category restrictions. Get a 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening.
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This may be the card for you if you just can’t be bothered with things like picking cashback categories … or lifting a finger to redeem your rewards. No judgment! Just facts.
The basics: The Venmo Visa Credit Card automatically pays 3% and 2% cash back on your top two spend categories each statement period and 1% cash back on all other eligible purchases.
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’Scuse me? Did you say 2% unlimited cash back on everything with no annual fee? Hold all of my calls.
The basics: Earn unlimited 2% cash rewards on purchases. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater).
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The inputs: The “Monthly Spend” amount is the only required input to generate a list of results. Expanding the “Spend Categories” menu lets you tailor the results even further by entering your monthly credit card spending amounts in key categories (such as Dining, Entertainment, Gas, Groceries, Pharmacy, Travel, Online Shopping, Utilities, Transit, Streaming Services and more). We strongly urge you to do so, since a lot of cards pay elevated rewards rates on purchases in certain categories which can affect how much cash back you’ll really earn. "Filter Results" lets you hand-pick the cards you see.
The math: When you tap in how much you spend per month for each of the spending categories, we apply each provider's rewards rate for that spend type to calculate the “Cash Back Per Year” amount. To ensure the most accurate results, we factor in rewards program spending category bonus rates, rewards spending caps and default rewards rates, when applicable. If a card charges an annual fee, that amount is backed out of the total annual rewards figure.
The extras: Clicking “Apply Now” will take you to that credit card’s application page. But before that, you might want to take a gander at our homework. Click “Dayana’s Take” for a high-level overview of each card’s reward program and our likes and dislikes.
Note: The results include all of the rewards cards in our database, listed in descending order of the amount each card is expected to pay out annually based on the spending inputs. Click "View More" to see the full list of results. (See “Methodology” below for more.)
Our top picks for cashback cards
Want some help deciding? See which cards rose to the top in our analysis of cashback credit cards for personal use.
Not all credit card rewards are created equal. Points or percentage cash back earned can vary from card to card depending on each loyalty program's rules. But a few mathematical shortcuts make it easy to calculate and compare reward rates.
Calculating cashback credit card rewards
Cashback credit cards that pay a percentage of each purchase back to you are the easiest reward rates to calculate.
To convert a 1.5%, 3%, or 5% cashback rate into dollar terms, divide the cashback percentage number by 100. For example, a card that pays 1.5% cash back on all qualifying purchases has a rewards rate of $0.015 (1.5 divided by 100) per $1 spent. A card offering 3% cash back pays you $0.03 for each dollar you spend; 5% nets you $0.05, and so on.
The above math works for a card that offers the same rewards rate for all purchases. But there are other reward structures that aren’t as straightforward and require a bit of reverse engineering to calculate.
Here’s how to calculate the rewards rate per $1 spent on cards with different bonus tiers or caps on how much you can earn: Divide the total amount you earned in rewards by the amount you spent to earn it.
Calculating points-based credit card rewards
To figure out the reward rate on a credit card that rewards you points on your spending, you need to know 1) how many points you get per $1 spent and 2) the cost of the item your points can buy.
Here’s the math: divide the value of the reward (what it would cost to purchase the item outright) by the number of points required to redeem it to calculate the point value.
Calculating the rewards rate on a points-based credit card gets tricky quickly depending on a card’s setup and your redemption options. Cards may award the same number of points on all purchases (e.g., one point for each $1 spent), or have a category-based points system (e.g., four points for each dollar spent at hotels, three points for airfare, two for gas, etc.). Check your rewards card agreement for details. Similarly, points can be worth different amounts based on what you redeem them for.
The goal is to redeem points for the highest-value reward, which may require putting in some elbow grease to manage your options. But if points math makes your head spin, a straight-up cashback credit card is a straightforward — and still highly rewarding — option to consider.
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0 of 2If you like free money, a 2% cashback credit card is worth your while. Spend $1,000 a month on such a card, and you’ll earn $240 in genuine spendable cash (or a statement credit) per year.
Here’s what else is worthwhile about a credit card offering 2% cash back on purchases:
There are times, however, when a 2% cash back card isn’t worth it:
The best way to use a rewards credit card is to choose the most profitable card for your spending habits, put all your purchases on it, and pay off the balance in full each month.
Let’s unpack this advice point by point:
» Check out Ask investor.com: How many credit cards should I have?
Here are some additional tips to elevate your rewards card game:
Our mission at investor.com is simple: provide thorough and unbiased reviews of financial products and service providers. But, boy, do we have opinions. And those opinions are based on unparalleled research and reams of data.
We spent forever and a day (including some weekends and a minor holiday or two) gathering dozens of data points on the rewards cards that power the investor.com Credit Card Rewards Calculator comparison tool. Based on the monthly spending amounts you enter, we calculate how much each credit card’s reward program would pay out per year. (See how under “About the results,” below.)
Here’s what we don’t do: We don’t let any credit card company pay for higher placement in the results list. We don’t let providers buy additional links to their card sign-up page. We don’t make any money through affiliate relationships if you apply for a rewards card via one of our pages. When we say something nice about a credit card, it’s because the data led us to that conclusion.
That’s the TL;DR of it. Read on for more about the behind-the-scenes machinations that power our best rewards credit card recommendations.
The investor.com credit card rewards calculator results are listed in descending order of the value of the annual rewards you can expect to receive based on your inputs. All of the credit card providers in our database are included in the results list, even if the “Cash Back Per Year” payout is weak sauce. (Click “View More” to see the full list of credit cards. And please email us if there’s a card you want to see in the list.)
The calculator results are based on the monthly spending amounts you enter and the annual dollar value of the rewards each credit card program pays per $1 spent. Credit card companies often express this payout amount as a percentage (e.g., 1.5% of every dollar spent) or on a points basis (e.g., 1.5 points for every dollar spent). We converted all of them to a dollar amount (“Cash Back Per Year”) to make comparing offers easier.
To calculate the amount of cash back you could earn per year, we factored in:
What’s not included in the “Cashback Per Year” total is the cash value of any sign-up/welcome bonus. We highlight any welcome bonus separately. While sign-up bonuses can be the most lucrative part of getting a new cashback rewards credit card, not everyone will want or be able to do what it takes to earn the extra cash. (It usually requires spending a certain amount in a specified time period after the card is activated.)
Other data points we collect on each rewards card include: Fees (annual, balance transfer, cash advance, late/returned payment, foreign transactions), reward redemption options, introductory APRs for purchases and/or balance transfers, perks, quirks, and our own take on the merits of each card.
Expand the results for more information to help you pick the best cashback credit card for your needs.
Note: We strive for perfection on these pages and conduct regular data audits to ensure accuracy. However, credit card issuers occasionally deign to update their offerings and card terms without giving us a courtesy heads-up. To prevent outdated information from ruining your day, we include links to each credit card’s disclosures and terms and conditions sheets for the latest and greatest in lawyered-up fine print.
Drop us a line: We regularly add new cards to our database. Let us know if there’s a credit card rewards program you’d like to see included by emailing us.
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