9 best cash back credit cards

9 best cash back credit cards
When you shop with your credit card, you can earn cash back for your purchases.  I personally prefer cash back credit cards since I can use the cash for whatever I want vs. a rewards card that forces you to use it in specific categories (i.e. travel).  I use the Fidelity Investment Rewards American Express Card, which offers 2% flat cash back on all purchases with no annual fee.  The chart below contains the 9 best cash back credit cards.  I haven�t included Annual Percentage Rates (APR) below since you should always pay off your credit card in full each month and that should not be a factor in choosing a card.


Credit card
Cash back
Annual fee
Sign up bonus
How much cash back must accumulate before you can redeem
Fidelity� Investment Rewards American Express� Card
2% Cash Back on all purchases
No
No
$50
Chase Freedom
5% back on rotating categories each quarter ($1,500 cap)
1% after you hit the cap and for purchases outside of categories.
    No
    $100 after spending $500 in first three months
    $20
    Discover it
    5% back on rotating categories each quarter ($1,500 cap)
    1% after you hit the cap and for purchases outside of categories.
    No
    No
    $50
    Blue Cash Everyday Card from American Express
    3% Cash Back at Supermarkets ($6,000 cap)
    2% at Gas Stations & Department Stores
    1% after you hit the cap and for purchases outside of categories.
    No
    $50 after spending $1,000 in first three months
    $25
    Blue Cash Preferred� Card from American Express
    6% Cash Back at Supermarkets ($6,000 cap)
    3% at Gas Stations & Department Stores
    1% after you hit the cap and for purchases outside of categories.
    $75
    $150 after spending $1,000 in first three months
    $25
    Citi� Dividend Platinum Select� Visa�
    5% back on rotating categories each quarter ($6,000 cap)
    1% for purchases outside of categories ($6,000 total cap)
    No
    $100 after spending $500 in first three months
    $50
    Bank AmeriCard Cash Rewards
    3% Cash Back on Gas (1,500 cap for gas and grocery stores purchases)
    2% on Grocery Store Purchases (1,500 cap for gas and grocery stores purchases)
    1% on Everything Else
    No
    $100 after spending $500 in first three months
    No minimum
    Capital One Quicksilver Cash Rewards
    1.5% on Everything
    No
    $100 after spending $500 in first three months
    No minimum
    U.S. Bank Cash+ Visa Signature
    5% Cash Back in Two Categories of Your Choice ($2,000 cap)
    2% in Another Category
    1% on Everything Else
    No
    No
    No minimum
    Location: Seattle, WA, USA

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