The Best Cashback Credit Card Offers this 2024

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Cashback credit cards are one of the most popular types of rewards credit cards among consumers. They offer you a simple and straightforward way to earn money back on your everyday spending, without having to worry about complex point systems, redemption options, or expiration dates.

Cashback credit cards work by giving you a percentage of your purchases back as cash, either as a statement credit, a direct deposit, or a check. Some cards also let you redeem your cashback for gift cards, merchandise, or travel. The amount of cashback you can earn varies depending on the card and the categories of spending.

Some cards offer a flat-rate cashback on everything you buy, while others offer higher rates on specific categories that may change every quarter or year. Some cards also offer bonus cashback for spending a certain amount in the first few months or for referring friends.

Who might Want Cash back Cards?

Cashback credit cards are ideal for anyone who wants to save money on their everyday expenses and enjoy flexible rewards. They are especially suitable for people who pay off their balance in full every month, as interest charges can quickly outweigh the benefits of cashback. They are also great for people who prefer simplicity and convenience over maximizing value and optimizing redemptions.

If you are looking for a cashback credit card, you may be overwhelmed by the number of options available. To help you narrow down your choices, we have reviewed some of the best cashback credit cards on the market, based on their features, rewards program, fees and rates, pros and cons, and suitability for different types of consumers.

Here are Our Top picks for the Best Cashback Credit Cards of 2024

U.S. Bank Altitude® Go Visa Signature® Card - Best Overall

Card Features

• Earn 20,000 bonus points after spending $1,000 in the first 90 days
• Earn 4X points per dollar on dining, including takeout and delivery
• Earn 2X points per dollar on U.S. grocery delivery services, U.S. gas stations, U.S. grocery stores, and U.S. streaming services
• Earn 1X point per dollar on all other eligible purchases
• No annual fee
• No foreign transaction fees
• 0% intro APR on purchases and balance transfers for 12 billing cycles, then 19.99% - 28.99% variable APR
• $15 credit for annual streaming service purchases

Rewards Program

The U.S. Bank Altitude® Go Visa Signature® Card offers a versatile and rewarding rewards program that lets you earn points per dollar spent on U.S. dining, U.S. groceries stores, U.S. streaming services, U.S. gas stations, and more. You can redeem your points for statement credits, gift cards, merchandise, travel, or Pay with Points at select merchants. You can also use your points to pay yourself back for dining purchases made in the last 90 days.

Fees and Rates

The U.S. Bank Altitude® Go Visa Signature® Card has no annual fee, which makes it a great value for anyone who wants to earn points without paying extra. It also has no foreign transaction fees, which makes it a good choice for international travel. It also has a 0% intro APR on purchases and balance transfers for 12 billing cycles, which can help you finance a large purchase or pay off an existing balance without interest. However, it has a 3% balance transfer fee (minimum $5), which can reduce the savings. It also has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you love to dine out or order food frequently • If you want to take advantage of the welcome bonus and the 0% intro APR on purchases and balance transfers.	• If you prefer a card that offers more redemption options or a lower regular APR. • If you want to avoid balance transfer fees.

Citi® Double Cash Card - 18 month BT offer - Best for Flat-Rate Cash Back

Card Features

• Earn 2% cash back on every purchase: 1% when you buy and 1% when you pay
• No annual fee
• 0% intro APR on balance transfers for 18 months, then 18.99% - 28.99% variable APR

Rewards Program

The Citi® Double Cash Card - 18 month BT offer offers a simple and consistent rewards program that lets you earn 2% cash back on every purchase: 1% when you buy and 1% when you pay. You can redeem your cash back for statement credits, direct deposits, checks, or gift cards. You can also convert your cash back to ThankYou® points and use them for travel, merchandise, or transfer them to other eligible Citi cards or loyalty programs.

Fees and Rates

The Citi® Double Cash Card - 18 month BT offer has no annual fee, which makes it a great choice for anyone who wants to earn cash back without paying extra. It also has a 0% intro APR on balance transfers for 18 months, which can help you save money on interest if you have a high-interest debt to pay off. However, it has a 3% balance transfer fee (minimum $5), which can reduce the savings. It also has a 3% foreign transaction fee, which makes it less ideal for international travel. It also has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons Not to Get this Card
• If you want a simple and rewarding cash back card that offers a flat and high rate on every purchase, regardless of the category. • If you have a balance to transfer and want to take advantage of the 0% intro APR offer.	• f you travel abroad frequently and want to avoid foreign transaction fees. • If you prefer a card that offers a welcome bonus or higher cash back rates on specific categories.

Chase Freedom Flex℠ - Best for Rotating Bonus Categories and Welcome Bonus

Card Features

• Earn $200 bonus cash back after spending $500 in the first 3 months
• Earn 5% cash back on up to $1,500 in combined purchases in bonus categories that change every quarter (activation required)
• Earn 5% cash back on travel purchased through Chase Ultimate Rewards®
• Earn 3% cash back on dining and drugstore purchases
• Earn 1% cash back on all other eligible purchases
• No annual fee
• 0% intro APR on purchases for 15 months, then 20.49% - 29.24% variable APR
• Free credit score and alerts with Chase Credit Journey℠

Rewards Program

The Chase Freedom Flex℠ offers a dynamic and lucrative rewards program that lets you earn cash back on a variety of categories. You can redeem your cash back for statement credits, direct deposits, gift cards, travel, or products and services from Chase partners. You can also transfer your cash back to other eligible Chase cards that earn Ultimate Rewards points, such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, and get more value out of them.

Fees and Rates

The Chase Freedom Flex℠ has no annual fee, which makes it a great value for anyone who wants to earn cash back without paying extra. It also has a 0% intro APR on purchases for 15 months, which can help you finance a large purchase or pay off an existing balance without interest. However, it has a 3% foreign transaction fee, which makes it less suitable for international travel. It also has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you want a dynamic and rewarding cash back card that offers high rates on bonus categories. • If you have other Chase cards that earn Ultimate Rewards points and want to boost your earning potential by transferring your cash back.	• If you travel abroad frequently and want to avoid foreign transaction fees. • If you prefer a card that offers a flat and consistent cash back rate on every purchase.

Blue Cash Preferred® Card from American Express - Best Cash-Back Card for Gas and Groceries

Card Features

• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• Earn 6% cash back on select U.S. streaming subscriptions
• Earn 3% cash back at U.S. gas stations and on transit
• Earn 1% cash back on all other eligible purchases
• $0 introductory annual fee for the first year, then $95 (See Rates & Fee)
• 0% intro APR on purchases for 12 months, then 19.24% - 29.99% variable APR
• Free access to your FICO® Score

Rewards Program

The Blue Cash Preferred® Card from American Express offers a generous and comprehensive rewards program that lets you earn cash back on everyday expenses. You can redeem your cash back for statement credits, gift cards, merchandise, or travel. You can also use your cash back to pay with points at select merchants or to donate to charity.

Fees and Rates

The Blue Cash Preferred® Card from American Express has a $0 introductory annual fee for the first year, then $95, which is relatively high for a cash back card. However, the high cash back rates can easily offset the fee if you spend a lot on the eligible categories. It also has a 0% intro APR on purchases for 12 months, which can help you finance a large purchase or pay off an existing balance without interest. However, it has a 2.7% foreign transaction fee (See Rates & Fee), which makes it less ideal for international travel. It also has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you want a generous and comprehensive cash back card that offers high rates. You should also get this card if you want to take advantage of the welcome offer and the 0% intro APR on purchases.	• If you travel abroad frequently and want to avoid foreign transaction fees. • If you prefer a card that has no annual fee or more redemption options.

Capital One QuicksilverOne Cash Rewards Credit Card - Best for average credit

Card Features

• Earn unlimited 1.5% cash back on every purchase
• No annual fee
• Access a higher credit line after making your first 5 monthly payments on time
• Free access to your credit score and tools with CreditWise® from Capital One®
• No foreign transaction fees

Rewards Program

The Capital One QuicksilverOne Cash Rewards Credit Card offers a simple and consistent rewards program that lets you earn unlimited 1.5% cash back on every purchase. You can redeem your cash back for statement credits, checks, gift cards, or charitable donations. You can also use your cash back to pay with points at Amazon.com or PayPal.

Fees and Rates

The Capital One QuicksilverOne Cash Rewards Credit Card has $39 annual fee, which makes it a great value for anyone who wants to earn cash back without paying extra. It also has no foreign transaction fees, which makes it a good choice for international travel. However, it has a high regular APR of 30.74% variable, which means you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you want a simple and consistent cash back card that features a low-maintenance rewards system. • If you have average credit and want to improve your credit score by making timely payments and accessing a higher credit line.	• If You don’t want to pay an annual fee for a cash back card. • If You tend to carry a balance on your card and want to avoid high interest rates. • If You have excellent credit and can qualify for better cards with higher rewards rates and lower fees.

Blue Cash Everyday® Card from American Express - Best for Cash Back on Everyday Purchases

Card Features

• Earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• Earn 1% cash back on all other eligible purchases
• No annual fee (See Rates & Fee)
• 0% intro APR on purchases for 15 months, then 19.24% - 29.99% variable APR
• Free access to your FICO® Score

Rewards Program

The Blue Cash Everyday® Card from American Express offers a solid and simple rewards program that lets you earn cash back on everyday expenses. You can redeem your cash back for statement credits, gift cards, merchandise, or travel. You can also use your cash back to pay with points at select merchants or to donate to charity.

Fees and Rates

The Blue Cash Everyday® Card from American Express has no annual fee, which makes it a great value for anyone who wants to earn cash back without paying extra. It also has a 0% intro APR on purchases for 15 months, which can help you finance a large purchase or pay off an existing balance without interest. However, it has a 2.7% foreign transaction fee (See Rates & Fee), which makes it less ideal for international travel. It also has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If You should get this card if you want a solid and simple cash back card that offers high rates on everyday purchases. • If you want to take advantage of the welcome offer and the 0% intro APR on purchases.	• You should not get this card if you travel abroad frequently and want to avoid foreign transaction fees. • If you prefer higher rewards on supermarket spending.

Capital One SavorOne Cash Rewards Credit Card - Best Cash-Back Card for Intro Purchase APR

Card Features

• Earn an unlimited 3% cashback at grocery stores (but not at superstores like Walmart® and Target®), restaurants, and popular streaming services.
• Earn unlimited 1% cash back on all other eligible purchases
• No annual fee
• No foreign transaction fees
• 0% intro APR on purchases for 15 months, then 19.99% - 29.99% variable APR

Rewards Program

The Capital One SavorOne Cash Rewards Credit Card offers a generous and flexible rewards program that lets you earn cash back. You can redeem your cash back for statement credits, checks, gift cards, or charitable donations. You can also use your cash back to pay with points at Amazon.com or PayPal.

Fees and Rates

The Capital One SavorOne Cash Rewards Credit Card has no annual fee, which makes it a great value for anyone who wants to earn cash back without paying extra. It also has no foreign transaction fees, which makes it a good choice for international travel. It also has a 0% intro APR on purchases for 15 months, which can help you finance a large purchase or pay off an existing balance without interest. However, it has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you want a generous and flexible cash back card that offers high rates on dining, entertainment, streaming, and groceries without paying an annual fee. • If you rather flexible redemption options to easily use your cash back.	• If you already have 5 or more cards open with Capital One. • If your credit is below 670.

U.S. Bank Cash+® Visa Signature® Card - Best for Earning Cash-Back Rewards

Card Features

• Earn $200 bonus after spending $1000 in the first 120 days
• Earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose
• Earn 2% cash back on one everyday category, like U.S. gas stations or U.S. grocery stores
• Earn 1% cash back on all other eligible net purchases
• No annual fee
• 0% intro APR on balance transfers for 15 billing cycles, then 19.49% - 29.49% variable APR
• Free access to your credit score with TransUnion® CreditView™

Rewards Program

The U.S. Bank Cash+® Visa Signature® Card offers a customizable and flexible rewards program that lets you earn cash back on categories you choose. You can redeem your cash back for statement credits, direct deposits, checks, or rewards cards. You can also use your cash back to pay with points at select merchants.

Fees and Rates

The U.S. Bank Cash+® Visa Signature® Card® Visa Signature Card has no annual fee, which makes it a great value for anyone who wants to earn cash back without paying extra. It also has a 0% intro APR on balance transfers for 15 billing cycles, which can help you save money on interest if you have a high-interest debt to pay off. However, it has a 3% balance transfer fee (minimum $5), which can reduce the savings. It also has a 3% foreign transaction fee, which makes it less ideal for international travel. It also has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you want a customizable and flexible cash back card that offers high rates on categories you choose, such as home utilities, fast food, or furniture stores. • If you have a balance to transfer and want to take advantage of the 0% intro APR offer.	• If you travel abroad frequently and want to avoid foreign transaction fees. • If you prefer a card that offers a consistent cash back rate on every purchase or a welcome bonus that does not require spending.

Capital One Venture Rewards Credit Card - Best Cash-Back Card for Travel Miles

Card Features

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase
• No foreign transaction fees
• Up to $100 credit for Global Entry or TSA Pre✓®
• Free access to your credit score and tools with CreditWise® from Capital One®
• APR: 19.99% - 29.99% variable

Rewards Program

The Capital One Venture Rewards Credit Card offers a simple and consistent rewards program that lets you earn miles on every purchase. You can redeem your miles for statement credits, gift cards, merchandise, or travel. You can also transfer your miles to over 15 travel partners, including airlines and hotels. Additionally, you can enjoy up to $100 credit for Global Entry or TSA Pre✓®, which can save you time and hassle at the airport.

Fees and Rates

The Capital One Venture Rewards Credit Card has an annual fee of $95, which is relatively low for a travel rewards card. However, you need to spend enough on the eligible categories to offset the fee and make the card worthwhile. It also has no foreign transaction fees, which makes it a great choice for international travel. However, it has no intro APR offers, which means you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you want a simple and consistent rewards card that offers high rates on every purchase. • If you want to take advantage of the generous welcome bonus and the up to $100 credit for Global Entry or TSA Pre✓®.	• If you prefer a card that has no annual fee or offers bonus categories that change every quarter or year. • If you want a card that offers intro APR offers on purchases or balance transfers.

Citi Rewards+® Card - Best Cash-Back Card for Small Purchases

Card Features

• Earn 2X ThankYou® points at supermarkets and U.S. gas stations for the first $6,000 per year and then 1X points thereafter
• Earn 1X ThankYou® point on all other eligible purchases
• No annual fee
• 0% intro APR on purchases and balance transfers for 15 months, then 18.49% - 28.49% variable APR
• Round up to the nearest 10 points on every purchase
• For the first 100,000 ThankYou® points you redeem each year, you'll receive 10% back in points.

Rewards Program

The Citi Rewards+® Card offers a unique and rewarding rewards program that lets you earn points on U.S. supermarkets, U.S. gas stations, and all other eligible purchases. You can redeem your points for statement credits, gift cards, merchandise, travel, or transfer them to other eligible Citi cards or loyalty programs. Additionally, every transaction will be rounded up to the nearest ten points, and the first 100,000 ThankYou® points you redeem each year will earn you 10% back in points.

Fees and Rates

The Citi Rewards+® Card has no annual fee, which makes it a great value for anyone who wants to earn points without paying extra. It also has a 0% intro APR on purchases and balance transfers for 15 months, which can help you finance a large purchase or pay off an existing balance without interest. However, it has a 5% balance transfer fee (minimum $5), which can reduce the savings. It also has a 3% foreign transaction fee, which makes it less ideal for international travel. It also has a high regular APR after the intro period ends, so you should pay off your balance in full every month to avoid interest charges.

Pros and Cons

Reasons to Obtain this Card	Reasons not to Get this Card
• If you want a unique and rewarding rewards card that offers high rates on U.S. supermarkets and U.S. gas stations and rounds up to the nearest 10 points on every purchase. • If you want to take advantage of the welcome bonus and the 0% intro APR on purchases and balance transfers.	• If you travel abroad frequently and want to avoid foreign transaction fees. • If you prefer a card that offers unlimited bonus points earnings or more redemption options.

Final Thoughts

Cash back cards are a great way to earn rewards on your everyday spending and save money on interest, fees, and annual charges. However, not all cash back cards are created equal, and you need to find the one that suits your spending habits, preferences, and goals.

The best cash back card for you depends on several factors, such as:

• How much you spend on different categories
• How often you travel abroad
• How much you value welcome bonuses, annual credits, or redemption options
• How much you can afford to pay in annual fees, interest charges, or balance transfer fees
• How much you want to simplify or customize your rewards program

We hope this review has been helpful and informative for you. If you are ready to apply for one of these cards, you can click on the links below and get started. Remember to read the terms and conditions carefully before applying, and use your card responsibly to maximize your rewards and avoid debt.

Happy earning and saving! 😊

For Rates & Fees of:
- Blue Cash Preferred® Card from American Express Click Here
- Blue Cash Everyday® Card from American Express Click Here

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

To find all the details about the terms and conditions of an offer, check the online credit card application. We put a lot of effort to present you accurate and up-to-date information; however, we do not guarantee the accuracy of all credit card information presented.

Editorial Disclosure: All reviews/opinions expressed here are author's alone, and have not been reviewed, approved, or otherwise endorsed by any advertiser included within our content. The information presented on this page is accurate as of the posting date; however, some of the offers mentioned below may have expired. Check the issuer's website for the most recent information.

Advertiser Disclosure: SuperOffers.com has partnered with various providers to offer a wide range of credit card products on our website. Both our website and our partners may receive commissions from card issuers. As part of an affiliate sales network, SuperOffers.com receives compensation for directing traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

The responses below are not provided, commissioned, reviewed, approved, or otherwise endorsed by any financial entity or advertiser. It is not the advertiser’s responsibility to ensure all posts and/or questions are answered.