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.

Best Credit Cards

  • Amazon Visa: best for regular Amazon and Whole Foods shoppers, offers 3% back at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and transit, with no annual fee and no transaction fee, plus a $50 Amazon Gift Card upon approval.
  • Discover it®: best for 5% cashback on quarterly rotating categories and Unlimited Cashback Match + 0% intro APR and no annual fee
  • Freedom Unlimited®: unlimited 1.5% cashback on all purchases with no annual fee + sign-up bonus and 0% intro APR
  • 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
  • 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
  • Freedom Rise℠: best for people with no credit history, offers 1.5% cashback on all purchases, no annual fee, and a chance for a credit limit increase after 6 months.
  • DoorDash Rewards Mastercard: best for frequent DoorDash users, offers 4% cashback on DoorDash and Caviar orders, 3% on dining, 2% on grocery stores, plus 1 year of DashPass, no annual fee and no foreign transaction fee
  • Cash+® Visa Signature®: best for customizable cash back, offers 5% on two categories and 2% on one everyday category you choose each quarter, plus a sign-up bonus and 0% intro APR.
  • Quicksilver: best for simple, unlimited rewards, offers 1.5% cashback on every purchase, with no annual fee, a sign-up bonus, and a 0% intro APR offer.
  • Savor Rewards: best for food and fun lovers, offes unlimited 3% cashback on dining, entertainment, streaming, and grocery stores + sign-up bonus and 0% intro APR.
  • Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods + welcome offer
  • Business Advantage Unlimited Cash Rewards: best business card for Bank of America Preferred Rewards members and unlimited 1.5% cashback

Freedom Rise℠

Apply now

On Chase's Secure Website

Freedom Rise℠
4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

25.99% 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 Get a $25 statement credit when you enroll in automatic payments within the first three months of account opening.

$25

Improve Your Approval Chances: If you’ve never had a credit card, keeping at least $250 in a Chase checking or savings account before you apply can help you get approved for the Chase Freedom Rise℠ card.

Welcome Offer

  • $25 for Enrolling in Autopay: Get a $25 statement credit when you enroll in automatic payments within the first three months of account opening.

Rewards

  • Earn 1.5% unlimited cashback on all purchases.

Partner Benefits

  • DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
  • 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

Redemption Options

  • Redeem rewards for cash, travel, gift cards, purchases at Amazon.com, and more.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 25.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

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

  • Turn Good Habits Into an Upgrade: If you use your Freedom Rise® card responsibly, you’ll be automatically checked each year for an upgrade to the Chase Freedom Unlimited® card. Just keep your account open, make at least one purchase, and pay all your bills on time for 12 months.
  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Credit Limit Increase: After 6 months, Chase will see if you qualify for a higher spending limit on your Freedom Rise® card. Your credit limit is the most you’re allowed to spend on the card.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Lock or Unlock Your Card: Use the Chase Mobile® app or Chase.com to quickly lock your card and stop new purchases if it’s lost or stolen. You won’t be responsible for unauthorized charges, and your automatic payments will still go through.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Rise℠ Credit Card is an excellent choice for individuals looking to establish their credit history while earning rewards on everyday purchases. It offers unlimited 1.5% cashback on all purchases, with no annual fee and no rotating categories to track. To improve approval odds, applicants can benefit from having a Chase checking account before applying. The card also includes valuable purchase protection and automatic reviews for potential credit line increases and future upgrades. With its simple structure and useful benefits, Freedom Rise provides a strong foundation for building credit and earning consistent rewards along the way.

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

19.24% - 27.99% 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.

Partner Benefits

  • DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
  • 10% Off Monthly Order: Get 10% off one convenience, grocery, alcohol, retail, or DashMart order each month. Offer valid through 12/31/2025.
  • 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: 19.24% - 27.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

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

  • World Elite Concierge: Complimentary 24/7 concierge service to help with dining reservations, finding hard-to-get items, travel planning, and more.
  • Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • 24/7 Customer Service.
  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The DoorDash Rewards Mastercard® is a strong option for frequent DoorDash and Caviar users who want to earn rewards on food delivery and everyday spending. It offers 4% cashback on DoorDash and Caviar orders, 3% on dining (when paying the restaurant directly), 2% at grocery stores both online and in-store, and 1% on everything else. There’s no annual fee, and new cardholders get a free year of DashPass, which includes free delivery and lower service fees on eligible orders. The card also includes helpful perks like purchase protection, extended warranty coverage, and travel insurance. It’s a great fit for those who often order takeout, shop for groceries, and want added peace of mind with built-in protections.

Amazon Visa

Apply now

On Chase's Secure Website

Amazon Visa
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 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, Audible, 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 $50 Amazon gift card instantly upon approval.

$50 Amazon Gift Card

Welcome Offer

Earn a $50 Amazon gift card instantly upon approval.

Rewards

  • 3% Cashback:
    • Amazon.com
    • Amazon Fresh
    • Whole Foods Market
    • Audible
    • Chase Travel purchases
  • 2% Cashback:
    • Restaurants
    • Gas stations
    • Local transit and commuting
  • 1% Cashback on all other purchases.

Redemption Options

  • Redeem points for cashback, gift cards, travel, or purchases at Amazon.com.
  • Daily Rewards Redemption: Use your points as soon as the next day, no waiting required.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.
  • Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
  • Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment when you pay for air, bus, train, or cruise travel with your card.
  • Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
  • Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)

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

  • Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Interest-Free Monthly Payments: Pay over time with equal monthly payments on purchases of $50 or more at Amazon.com or eligible Amazon Pay retailers. No interest, just split payments at checkout. (Note: These purchases do not earn % back rewards.)
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • 24/7 Customer Service.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.

Terms and Conditions

Click Apply Now to see the terms and conditions.

If you’re a regular Amazon or Whole Foods shopper but don’t have a Prime membership, the Amazon Visa Card could be a great fit. It offers 3% cashback at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and on local transit and commuting, and 1% on all other purchases. There’s no annual fee or foreign transaction fees, and new cardholders receive a $50 Amazon gift card instantly upon approval. The card also includes helpful travel benefits, extended warranty protection, and purchase coverage for damage or theft, making it a solid choice for frequent shoppers who also value added protections while traveling.

Cash+® Visa Signature®

Apply now

On U.S. Bank's Secure Website

Cash+® Visa Signature®
4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.74% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $100 or more — with no interest, just a small fixed monthly fee. Repayment options of 3, 6, 12, 18, and 24 months are available.

U.S. Bank Extendpay® Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on the first $2,000 in combined purchases each quarter in two categories you choose. Activation is required each quarter by the stated deadline. Earn 5% cashback on prepaid airfare, hotels, and car rentals booked through the Rewards Center with your card. Earn 2% cashback each quarter on one everyday category you choose, such as gas stations and EV charging stations, grocery stores, or restaurants. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months.

$200

Welcome Offer

Earn a $200 cash rewards bonus after spending $1,000 in the first three months.

Rewards

  • 5% Cashback on Two Quarterly Categories: Earn 5% cashback on the first $2,000 in combined purchases each quarter in two categories you choose. Activation is required each quarter by the stated deadline.
  • 5% Cashback on Prepaid Travel: Earn 5% cashback on prepaid airfare, hotels, and car rentals booked through the Rewards Center with your card.
  • 2% Cashback on One Everyday Category: Earn 2% cashback each quarter on one everyday category you choose, such as gas stations and EV charging stations, grocery stores, or restaurants.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, purchases at Amazon.com, PayPal checkout, and more.
  • Real-Time Rewards: Instantly redeem your rewards at the point of purchase, turning everyday spending into immediate savings.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 18.49% - 28.74% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 3% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

  • Shopping Deals: Earn extra cashback when you shop online at 1,100+ stores through the Rewards Center using your U.S. Bank Cash+® Visa Signature credit card.

Travel Benefits

  • Visa Signature® Car Rental Privileges: Get up to 25% off base rates at Avis and Budget when you book with your Visa Signature® card. Enjoy perks like complimentary upgrades (when available), waived additional driver fees, and 10% off XM Satellite Radio during your rental.
  • Visa Signature® Luxury Hotel Collection: Enjoy premium benefits when booking through the Visa Signature Luxury Hotel Collection with your Premium Rewards® card.
  • Other Travel Benefits: Includes Roadside Assistance and Travel and Emergency Assistance Services.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, fraud protection, automatic account alerts, compatibility with digital wallets, free access to Credit Score, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The U.S. Bank Cash+® Visa Signature® Card is a flexible cashback card that puts you in control of your rewards. Each quarter, you can earn 5% cashback on two categories you choose, like fast food, home utilities, or streaming services, on up to $2,000 in combined purchases. You also get 2% back on one everyday category you pick, such as grocery stores, restaurants, or gas and EV charging stations, and 1% on everything else. There’s no annual fee, and new cardholders get a $200 bonus after spending $1,000 in the first 90 days, plus an intro 0% APR on purchases and balance transfers for 15 months. This card is a great fit for people who want to earn more where they spend most and like having the flexibility to choose their top categories.

Quicksilver

Apply now

On Capital One's Secure Website

Quicksilver
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 5% cashback when you book hotels and rental cars through Capital One Travel. Earn 5% cashback on Capital One entertainment purchases through December 31, 2025. Plus, earn 1.5% unlimited cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

Rewards

  • 5% Cashback on Hotels and Rental Cars: Earn 5% cashback when you book hotels and rental cars through Capital One Travel.
  • 5% Cashback on Capital One Entertainment purchases through December 31, 2025.
  • 1.5% Unlimited Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

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 19.24% - 29.24% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $3% of each transferred amount that posts to your account within the first 15 months of account opening.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: None.

Exclusive Offers

  • Capital One Entertainment: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
  • Capital One Dining: Enjoy exclusive reservations at top-rated restaurants and access to unforgettable culinary experiences.
  • 50% Off Handcrafted Beverages: Enjoy 50% off all handcrafted drinks every day at any Capital One Café, just show your Capital One card.
  • Capital One Offers: Earn exclusive rewards or statement credits when you shop online at thousands of retailers including brands like Adidas, Macy’s, and more.
  • Complimentary Concierge Service: Get 24/7 personalized assistance with dining, entertainment, and travel—available every day of the year.

Travel Benefits

  • Flight Price Drop Protection: Enjoy free price drop protection. If your flight fare drops within 10 days of booking through Capital One Travel, you’ll receive up to $50 in travel credit.
  • Price Match Guarantee: If you find a better price on the same flight, hotel, or car rental, Capital One Travel will match it.
  • Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Lost Luggage Reimbursement, Mastercard Airport Concierge, Mastercard Travel and Lifestyle Services, and Mastercard Golf.

Purchase Protections

  • Extended Warranty Protection: Doubles the original manufacturer’s or store warranty on eligible purchases, up to an additional two years.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Flexible Payment Options: Choose a payment due date that works for you — whether it’s at the beginning, middle, or end of the month.
  • Emergency card replacement, zero liability protection, automatic account alerts, 24/7 customer service, free credit score monitoring with CreditWise, and Card Lock to quickly lock your card if ever misplaced, lost, or stolen. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Capital One Quicksilver® Rewards Credit Card is a straightforward, no-annual-fee card perfect for people who want simple, unlimited cashback without tracking categories. It offers 1.5% cashback on all purchases, a generous welcome bonus, and 0% intro APR on purchases and balance transfers for 15 months. With no foreign transaction fees and easy-to-redeem rewards, this card is ideal for everyday spenders who value consistency and convenience in their cashback earnings.

Savor Rewards

Apply now

On Capital One's Secure Website

Savor Rewards
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.

1% - 8% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.

Rewards

  • 3% Cashback on Select Categories:
    • 3% Cashback on Grocery Stores.
    • 3% Cashback on Dining.
    • 3% Cashback on Entertainment.
    • 3% Cashback on Select Streaming Services.
  • 8% Cashback on Capital One Entertainment purchases.
  • 5% Cashback on Hotels and Rental Cars: Earn 5% cashback when you book hotels and rental cars through Capital One Travel.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

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 19.24% - 29.24% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $3% of each transferred amount that posts to your account within the first 15 months of account opening.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: None.

Exclusive Offers

  • Capital One Dining: Enjoy exclusive reservations at top-rated restaurants and access to unforgettable culinary experiences.
  • 50% Off Handcrafted Beverages: Enjoy 50% off all handcrafted drinks every day at any Capital One Café, just show your Capital One card.
  • Capital One Offers: Earn exclusive rewards or statement credits when you shop online at thousands of retailers including brands like Adidas, Macy’s, and more.
  • Complimentary Concierge Service: Get 24/7 personalized assistance with dining, entertainment, and travel—available every day of the year.

Travel Benefits

  • Flight Price Drop Protection: Enjoy free price drop protection. If your flight fare drops within 10 days of booking through Capital One Travel, you’ll receive up to $50 in travel credit.
  • Price Match Guarantee: If you find a better price on the same flight, hotel, or car rental, Capital One Travel will match it.
  • Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Lost Luggage Reimbursement, Mastercard Airport Concierge, Mastercard Travel and Lifestyle Services, and Mastercard Golf.

Purchase Protections

  • Extended Warranty Protection: Doubles the original manufacturer’s or store warranty on eligible purchases, up to an additional two years.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Flexible Payment Options: Choose a payment due date that works for you — whether it’s at the beginning, middle, or end of the month.
  • Emergency card replacement, zero liability protection, automatic account alerts, 24/7 customer service, free credit score monitoring with CreditWise, and Card Lock to quickly lock your card if ever misplaced, lost, or stolen. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Capital One Savor Rewards Credit Card is a great pick for people who want to earn strong rewards on everyday spending without paying an annual fee. It offers unlimited 3% cashback on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores), plus 1% on all other purchases. New cardholders can also enjoy a $200 welcome bonus after spending $500 in the first 3 months, along with a 0% intro APR on purchases and balance transfers for 15 months. With no foreign transaction fees and well-rounded benefits, this card is ideal for social spenders who want to earn meaningful rewards while keeping costs low.

Discover it®

Apply now

On Discover's Secure Website

Discover it®
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $100 statement credit when you apply through our site. Plus, enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

$100 + Unlimited Cashback Match

Welcome Offer

  • $100 Statement Credit: Earn a $100 bonus as a statement credit when you apply through this referral link. This offer is available for a limited time through our site.
  • Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash at any time, in any amount, or use them for purchases at Amazon.com. Cashback never expires.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed by the date specified in the terms and conditions (typically within the first 90 days).
  • Regular APR: After the introductory period, a variable APR of 18.24% - 27.24% applies to purchases and balance transfers.
    • Paying late won’t raise your APR.
  • Intro Balance Transfer Fees: 3% of the transfer amount, for balance transfers completed by the date specified in the terms and conditions (typically within the first 90 days).
  • Regular Balance Transfer Fees: 5% of each transfer amount, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: N/A.
  • Late Payment: No fee on your first late payment.

Additional Features

  • Custom Card Design: Choose from 25 colorful designs when you apply for the Discover it® card.
  • Zero liability protection, online privacy protection, Freeze it® to temporally block new purchases, cash advances, and balance transfers, free access to FICO® Credit Score, automatic account alerts, free SSN alerts, free overnight card replacement, 24/7 100% U.S.-based customer service, Spend Analyzer to track your purchases, contactless checkout, and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Discover it® Cash Back Card is a great pick for people who want to maximize rewards without paying an annual fee. It offers 5% cashback on rotating quarterly categories, such as grocery stores, restaurants, and gas stations, on up to $1,500 in purchases each quarter after activation, and 1% cashback on all other purchases. New cardmembers benefit from Discover’s Cashback Match, which automatically doubles all cashback earned at the end of the first year, effectively enhancing the initial rewards rate. Additionally, you also get a 0% intro APR for 15 months on purchases and balance transfers, which can help if you're planning a big purchase or need time to pay down debt. This card is best for smart spenders who can take advantage of the bonus categories and want to earn extra cashback in their first year.

Freedom Unlimited®

Apply now

On Chase's Secure Website

Freedom Unlimited®
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.99% - 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 $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 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 DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
  • 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

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 18.99% - 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 best suited for everyday spenders who want straightforward cashback without keeping track of rotating categories. It earns an unlimited 1.5% cashback on most purchases, with elevated rewards on dining, drugstore purchases, and travel booked through Chase. While it lacks premium travel perks, it offers strong value for those who prefer simplicity and flexibility, especially with no annual fee and the ability to pair it with a Chase Sapphire card to boost point value. This card is ideal for people who want steady, hassle-free rewards on all their spending.

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

19.49% - 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 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: 19.49% - 28.24% 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.

The Prime Visa is a great choice for Amazon Prime members who want to earn rewards on their everyday purchases. With 5% cash back on Amazon and Whole Foods, plus 2% back at gas stations, restaurants, and on transit, it’s a solid card for those who shop regularly at Amazon. There's also a nice welcome gift card offer for new cardholders. While it’s designed for frequent Amazon shoppers, the card also provides useful travel protections and has no foreign transaction fees, making it a practical option for people looking to earn cash back on both online and in-person purchases.

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

17.49% - 23.49% 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 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.

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 17.49% - 23.49% 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® Credit Card is a straightforward option for small business owners who prefer flat-rate cash back without managing categories. It earns 1.5% cash back on all purchases, has no annual fee, and includes a 0% introductory APR on purchases for 12 months. A generous welcome bonus is available for new cardholders who meet the spending requirement. These features may appeal to businesses looking to simplify rewards and manage short-term expenses, with added value from built-in protections like purchase protection and extended warranty coverage.

Signify Business Cash℠

Apply now

On Wells Fargo's Secure Website

Signify Business Cash℠
4.9

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.49% - 25.49% 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 after spending $5,000 in the first three months.

Rewards

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

Lounge Access

Priority Pass™: Cardholders receive a Priority Pass™ membership with access to more than 1,300 participating airport lounges worldwide on a pay-per-visit basis.

Redemption Options

Redeem rewards for a statement credit, gift cards, travel, and more.

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 17.49% - 25.49% applies to purchases.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Business Perks

Separate business and personal expenses, Mastercard Merchant Offers, Mastercard Business Assistant, and employee cards at no additional cost.

Travel Benefits

Travel benefits includes MasterRental Insurance Coverage, Mastercard Travel and Lifestyle Services, Mastercard Global Services, Baggage Delay Reimbursement, and $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance.

Additional Features

Zero liability protection, Mastercard ID Theft Protection™, automatic account alerts, and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The 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.

Business Advantage Unlimited Cash Rewards

Apply now

On Bank of America's Secure Website

Business Advantage Unlimited Cash Rewards
4.7

Annual fee:
$0

Intro APR

Purchases: 0%, 9 billing cycles

Balance Transfers: N/A

Regular APR

17.49% - 27.49% 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 17.49% - 27.49% 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.

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

17.49% - 25.49% 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 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 Up to $750 Cashback: Earn $350 after spending $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

Up to $750 Cashback: Earn $350 after spending $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 17.49% - 25.49% 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.




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