Credit Cards for Cash Back

Cash back credit cards offer a straightforward and rewarding way for cardholders to earn money back on their everyday purchases. With these cards, a percentage of the total purchase amount is credited back to the cardholder’s account as cash rewards. The cash back percentage typically varies depending on the type of purchase, with higher percentages often available for specific categories like groceries, gas, dining, or online shopping. Some cash back credit cards offer a flat cash back rate on all purchases. Cardholders can accumulate cash rewards over time and redeem them for statement credits, deposits into their bank accounts, or sometimes even as physical checks. Cash back credit cards provide a tangible benefit for regular spenders, allowing them to earn money back on their purchases while enjoying the convenience and security of using a credit card.

The Best Credit Cards

  • Freedom Unlimited®: best for up to 5% cashback on travel, 0% intro APR, and sign-up bonus
  • Signify Business Cash℠: best for 2% unlimited cashback on all purchases and a generous welcome bonus.
  • Ink Business Cash®: best for up to 5% cashback on everyday business expenses and sign-up bonus
  • Ink Business Unlimited®: best rated overall business card for earning unlimited flat-rate cashback + sign-up bonus, simplicity, no annual fee, and 0% Intro APR on purchases for 12 months
  • Amazon Visa: best for regular Amazon and Whole Foods shoppers

Prime Visa

Apply now

On Chase's Secure Website

Prime Visa
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon gift card instantly upon approval.

$150 Amazon Gift Card

Prime Membership Required: You must have an Amazon Prime membership to apply.

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.


Rewards

  • 5% Cashback on Select Categories (with an eligible Prime membership):
    • 5% Cashback at Amazon.com and Amazon Fresh.
    • 5% Cashback at Whole Foods Market.
    • 5% Cashback at Audible.com.
    • 5% Cashback on Chase Travel purchases.
  • 2% Cashback on Select Categories:
    • 2% Cashback at Restaurants.
    • 2% Cashback at Gas Stations.
    • 2% Cashback on Local Transit and Commuting.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.
  • Points post and can be redeemed as soon as the next day.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.74% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

  • Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

If you're an Amazon Prime member and frequently shop at Amazon.com or Whole Foods Market, this card offers excellent rewards with 5% back on these purchases. It also provides 2% back at restaurants, gas stations, and on local transit and commuting expenses, and 1% on other purchases. The card includes valuable travel and purchase protections, as well as a generous sign-up bonus upon approval, making it a great choice for frequent Amazon shoppers.

Freedom Unlimited®

Apply now

On Chase's Secure Website

Freedom Unlimited®
4.9

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $250 bonus after spending $500 in the first 3 months.

$250

Welcome Offer

Earn a $250 bonus after spending $500 in the first 3 months.


Rewards

  • 5% Cashback on Travel purchased through Chase Travel℠.
  • 3% Cashback on Select Categories:
    • 3% Cashback on Drugstore Purchases.
    • 3% Cashback on Dining, including takeout and eligible delivery services.
  • 1.5% Cashback on All Other Purchases.

Partner Benefits

  • DoorDash: Get a complimentary 3 months of DashPass. Afterward, enjoy 50% off DashPass for the next 9 months. Activate by January 31, 2025.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.
  • Lyft: Earn 5% cashback on Lyft rides through March 2025.

Redemption Options

Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.


Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 19.74% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

Includes Auto Rental Coverage, Travel and Emergency Assistance Services, and Trip Cancellation/Interruption Insurance.


Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Zero liability protection, 24/7 fraud monitoring, contactless checkout, free credit score and identity monitoring with Credit Journey®, and compatibility with digital wallets.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Unlimited® card is a versatile option for maximizing cashback rewards without an annual fee. It offers 5% back on travel booked through Chase Travel℠, 3% on dining and drugstore purchases, and unlimited 1.5% on all other purchases. With a generous welcome bonus, a 0% intro APR for 15 months, and valuable purchase protection benefits, this card makes it easy to earn and redeem rewards while keeping things simple​.

Signify Business Cash℠

Apply now

On Wells Fargo's Secure Website

Signify Business Cash℠
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 25.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.

2% Cashback

Welcome Offer Earn a $500 cash rewards bonus when you spend $5,000 on purchases in the first 3 months.

$500

  • Welcome offer: Earn a $500 cash rewards bonus when you spend $5,000 on purchases in the first 3 months.
  • Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.
  • No annual fee.
  • Foreign transaction fees: 3% of each transaction converted to U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 17.74% – 25.74% applies to purchases.
  • Priority Pass™: Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
  • Travel benefits: Mastercard Travel and Lifestyle Services, Mastercard Global Services, Mastercard Airport Concierge™, MasterRental Insurance Coverage, Baggage Delay Reimbursement, and $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance.
  • Business Services: Mastercard Merchant Offers, Mastercard Business Assistant, and Mastercard Receipt Management.
  • Employee cards at no additional cost.
  • Flexibility to redeem your rewards: For a statement credit, gift cards, travel, and more.
  • Additional features: Zero liability protection, Mastercard ID Theft Protection™, account alerts, and digital wallets.
  • Click ‘Apply Now’ to see the full terms and conditions.
he Signify Business Cash℠ Card is an excellent choice for business owners, offering a standout 2% flat rate unlimited cashback on all purchases. Great additions include a generous welcome bonus, no annual fee, and a 0% intro APR for 12 months on purchases. Plus, this card offers extensive travel benefits and valuable business services, making it perfect for business owners looking to maximize their rewards on everyday purchases while enjoying premium travel benefits and financial flexibility.

Ink Business Cash®

Apply now

On Chase's Secure Website

Ink Business Cash®
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 25.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on the first $25,000 spent at office supply stores and on internet, cable and phone services each year. Earn 2% cashback on the first $25,000 spent at gas stations and restaurants each year. Earn 1% cashback on everything else, with no limit.

1% - 5% Cashback

Welcome Offer Earn $350 when you spend $3,000 in the first 3 months and another $400 when you spend $6,000 in the first 6 months after account opening.

Up to $750

  • Welcome offer: Earn $350 when you spend $3,000 in the first 3 months and another $400 when you spend $6,000 in the first 6 months after account opening.
  • Earn 5% cashback on the first $25,000 spent at office supply stores and on internet, cable and phone services each year.
  • Earn 2% cashback on the first $25,000 spent at gas stations and restaurants each year.
  • Earn 1% cashback on everything else, with no limit.
  • Earn 5% cashback on Lyft Rides through March 2025.
  • No annual fee.
  • Foreign transactions: 3% fee of the amount of each transaction in U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 25.74% applies to purchases and balance transfers.
  • Redeem your rewards: For cash, gift cards, travel, and more through Chase Ultimate Rewards®.
  • Business Perks: Include tools to manage cash flow, credit limit increases as your business grows, and 24/7 access to account details.
  • Employee cards at no additional cost.
  • Purchase protection: Covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection: Adds an extra year to U.S. manufacturer’s warranty of 3 years or less.
  • Travel benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
  • Additional features: Include automatic account alerts, contactless payments, 24/7 fraud monitoring, and zero liability protection.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Ink Business Cash® card is a powerful reward credit card designed for businesses with strong earning potential. Highlights include a generous welcome bonus, an introductory 0% APR on purchases, extended warranty protection, and coverage for new purchases against damage and theft. This card is ideal for businesses that want to maximize their cashback rewards and take advantage of valuable perks.

Ink Business Unlimited®

Apply now

On Chase's Secure Website

Ink Business Unlimited®
5.0

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 23.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5% cashback on all purchases.

1.5% Cashback

Welcome Offer Earn a $750 cashback bonus after spending $6,000 on purchases in the first three months after account opening.

$750

Welcome Offer

Earn a $750 cashback bonus after spending $6,000 in the first three months.


Rewards

Earn unlimited 1.5% cashback on all purchases.


Partner Benefits

Lyft: Earn 5% cashback on Lyft rides through March 2025.


Redemption Options

Redeem rewards for cash, gift cards, travel, and more through Chase Ultimate Rewards®.


Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 23.74% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.

Business Perks

Separate business and personal expenses, cash flow management tools, credit limit increases as your business grows, employee cards at no additional cost, and 24/7 access to account details.


Travel Benefits

Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.


Purchase Protections

  • Purchase Protection: Covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Contactless payments, fraud protection, and zero liability protection.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Ink Business Unlimited® is an excellent choice for businesses looking for straightforward cashback rewards. With unlimited 1.5% cashback on all purchases and no annual fee, it’s a simple yet rewarding option. The card offers a generous welcome bonus and a 0% intro APR on purchases for 12 months, making it ideal for businesses that want flexibility with their spending. Plus, valuable protections like purchase protection and extended warranty coverage enhance its appeal, providing peace of mind alongside strong earning potential.

Instacart Mastercard®

Apply now

On Chase's Secure Website

Instacart Mastercard®
4.7

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Instacart purchases. Earn 5% cashback on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, and on select streaming services. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $50 Instacart credit automatically upon approval.

$50 Instacart Credit

  • Welcome offer: Get a $50 Instacart credit automatically upon approval.
  • Earn 5% cashback on Instacart purchases.
  • Earn 5% cashback on Chase Travel purchases.
  • Earn 2% cashback at restaurants, gas stations, and on select streaming services.
  • Earn 1% cashback on all other purchases.
  • Redeem rewards: For cash, travel, or Instacart orders.
  • No annual fee.
  • No foreign transaction fees.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Assistance, Travel and Emergency Assistance Services, and Travel Accident Insurance.
  • World Elite® Concierge: 24/7 concierge service for personal assistance like reserving tables and locating hard-to-find items.
  • Authorized users: Add authorized users at no cost to maximize your earning potential.
  • Additional features: Contactless checkout and digital wallets.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Instacart Mastercard® offers unbeatable 5% cashback rewards on Instacart purchases, making it highly beneficial for saving on groceries and household items. It also provides 5% cashback on Chase Travel purchases, competitive travel benefits, purchase protection, and extended warranty coverage. This card is ideal for individuals who frequently use Instacart, travel often, and value added benefits and protections.

DoorDash Rewards Mastercard

Apply now

On Chase's Secure Website

DoorDash Rewards Mastercard
4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on DoorDash and Caviar orders, 3% on dining, 2% on grocery stores, and 1% on all other purchases.

1% - 4% Cashback

Welcome Offer Approved applicants receive a free year of DashPass membership ($96 value), which will auto-renew at the current rate. Cancel anytime.

Free Year of DashPass Membership ($96 value)

Welcome Offer

Approved applicants receive a free year of DashPass membership ($96 value), which will be auto-renewed at the current rate. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Cancel anytime.


Rewards (if applicable)

  • 4% Cashback on DoorDash and Caviar orders.
  • 3% Cashback on Dining.
  • 2% Cashback on Grocery Stores.
  • 1% Cashback on All Other Purchases.

DoorDash Benefits and Offers

  • DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
  • Monthly 10% Off: Get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month through December 31, 2024, on DoorDash only. Maximum value of discount is $15 each month.
  • Lyft Credits: Receive a $5 Lyft credit after paying for 3 Lyft rides in a calendar month with your card. Offer valid through September 30, 2025.
  • Priceless®: Immerse yourself in virtual and in-person experiences with Mastercard Priceless Experiences®.

Redemption Options

Redeem rewards for DoorDash and Caviar orders, cash, and gift cards.


Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

Includes Auto Rental Collision Damage Waiver and Trip Cancellation/Interruption Insurance.


Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Cell Phone Protection: Coverage effective when the monthly bill is paid with the eligible card.

Exclusive Offers

  • Exclusive World Elite Mastercard Offers: Exclusive discounts and more.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Contactless checkout, fraud alerts, automatic account alerts, 24/7 customer service, digital wallets, and World Elite concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The DoorDash Rewards Mastercard® is an excellent option for frequent DoorDash and Caviar users, offering 4% cashback on these services. It also includes a complimentary year of DashPass membership (valued at $96), which provides $0 delivery fees and reduced service fees on eligible orders. Beyond that, the card delivers competitive cashback on dining and groceries, as well as valuable benefits like purchase protection, extended warranty, and travel insurance. It's an ideal choice for those who regularly order takeout, shop for groceries, and appreciate added financial protections.

Amazon Visa

Apply now

On Chase's Secure Website

Amazon Visa
5.0

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $60 Amazon Gift Card instantly upon approval.

$60 Amazon Gift Card

Welcome Offer

Earn a $60 Amazon gift card instantly upon approval.


Rewards

  • 3% Cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
  • 2% Cashback at restaurants, gas stations, and on local transit and commuting.
  • 1% Cashback on all other purchases.

  • No annual fee.
  • No foreign transaction fees.
  • Interest-free payments: Choose 3% cashback or 0% intro APR for 6-12 months on purchases $50 or more at Amazon.com or eligible retailers with Amazon Pay.
  • Redeem your points: For cashback, gift cards, travel, or purchases at Amazon.com. Points can be redeemed the next day.
  • Chase offers: Access great deals without needing coupons, codes, or registration. Just add the offer to your card and use it.
  • Authorized users: Add users for free and share your credit line while earning rewards on their purchases.
  • Extended Warranty Protection: Adds one year to the manufacturer’s U.S. warranty on eligible warranties of three years or less.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Dispatch®, Travel Accident Insurance, and Travel and Emergency Assistance Services.
  • Visa Signature® Experiences: Access to Luxury Hotel Collection and Concierge Services.
  • Additional features: Digital Wallet, fraud protection, zero liability protection, 24/7 customer service, automatic accounts alerts, Chase Credit Journey, chip-enabled for enhanced security, and contactless checkout.
  • Regular APR: 19.74% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
If you are an Amazon shopper who buys groceries at Whole Foods Market but doesn't have an Amazon Prime membership, this card could be a great option for you. You can earn 3% cashback at Amazon.com and Whole Foods Market, making it highly rewarding for frequent shoppers. Additionally, the card offers standout travel benefits, an extended warranty, and purchase protection against damage or theft. these features making it a strong choice for those who shop and travel frequently. However, be aware of the potentially high APR on purchases and balance transfers.

Freedom Rise℠

Apply now

On Chase's Secure Website

Freedom Rise℠
4.7

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

26.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

New To Credit

Rewards Earn unlimited 1.5% cashback on all your purchases.

1.5% Cashback

Welcome Offer Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.

$25

  • $25 for Enrolling in Autopay: Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
  • Improve Your Approval Chances: Applicants who have never had a credit card can increase their chances of getting approved for Chase Freedom Rise℠ by maintaining a Chase checking or savings account with at least $250 before applying.
  • Earn unlimited 1.5% cashback on all your purchases.
  • Lyft: Earn 5% cashback on qualifying Lyft rides through 03/31/2025.
  • Credit Limit Increase: Your credit will be evaluated for a potential increase after just six months of having the Chase Freedom Rise℠ card.
  • Card Upgrade: You will be automatically evaluated each year to upgrade to your first Chase Freedom Unlimited® card.
  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
  • Redeem Rewards: For cashback, travel, gift cards, or shop with points at Amazon.com, and more.
  • DoorDash: Receive a complimentary 3-month DashPass membership. After that, you’ll be automatically enrolled in DashPass at a 50% discount for the following 9 months. Activate by December 31, 2024.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, with coverage up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the time period of warranty coverage by one additional year on original eligible warranties of 3 years or less.
  • Travel Benefits: Include Trip Cancellation and Interruption Insurance.
  • Additional features: Include Chase Credit Journey, zero liability protection, 24/7 fraud monitoring, lock/unlock feature, contactless pay, and digital wallets.
  • Regular APR: 26.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Chase Freedom Rise℠ is an excellent choice for individuals looking to establish their credit history while earning rewards on everyday purchases. With features like unlimited cashback, valuable purchase protection benefits, and a focus on card simplicity, it provides a solid foundation for building credit and maximizing rewards.

Business Advantage Unlimited Cash Rewards

Apply now

On Bank of America's Secure Website

Business Advantage Unlimited Cash Rewards
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 9 billing cycles

Balance Transfers: N/A

Regular APR

17.74% - 27.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5% cashback on all purchases.

1.5% - 2.62% Cashback

Welcome Offer Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.

$300

  • Cashback rewards: Earn unlimited 1.5% cashback on all purchases.
  • Welcome bonus: Earn a $300 bonus after spending $3,000 in the first 90 days from your account opening.
  • Preferred Rewards: Eligible cardholders can earn up to 75% more cashback if they have a business checking account with Bank of America and qualify for the highest tier in the Preferred Rewards for Business program. This can increase the cashback rate to up to 2.62% cashback on every purchase.
  • No annual fee.
  • 0% Intro APR on Purchases: For 9 months from account opening.
  • Balance Transfer Fees: 4% of each transfer amount.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 27.74% applies to purchases and balance transfers.
  • Travel and emergency benefits: Includes travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals.
  • Purchase protections: Provides coverage against loss, damage, theft, or fire, and includes extended warranty coverage.
  • Business Perks: Cash flow management tools and free access to business credit scores.
  • Foreign transaction fee: 3% of the U.S. dollar amount of each transaction.
  • Redeem your rewards: As a statement credit, a direct deposit into an eligible Bank of America® account, or a check mailed to you.
  • Additional features: Zero liability protection, fraud monitoring, and overdraft protection.
  • Click ‘Apply Now’ to see the terms and conditions.
The Business Advantage Unlimited Cash Rewards card is a solid choice for small to medium-sized businesses looking to earn cashback on all their purchases. If your business already has or is willing to open a business checking account with Bank of America, this card could be a highly beneficial for maximizing your cashback rewards without an annual fee. The card also offers a 0% intro APR, purchase protection, and travel benefits.