4 Excellent Cash Back Credit Cards of 2024

Blue Cash Preferred® Card from American Express card image

NerdWallet rating

on American Express' website

Rates & Fees

Current Intro Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Rewards Rate

Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

Cash Back on select U.S. streaming subscriptions.

Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

Cash Back on other purchases.

Rewards rate

1%-6%

Cashback

Annual fee

$0 intro annual fee for the first year, then $95.

Recommended Credit

Current Intro Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Rewards rate

1%-6%

Cashback

Annual fee

$0 intro annual fee for the first year, then $95.

Recommended Credit

Product Details

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.
View Rates & Fees

on American Express' website

Pros & Cons

Pros

High rewards rate
Bonus categories
Intro APR period
Cash rewards

Cons

Has annual fee
Requires good/excellent credit
Spending caps on bonus rewards

Excellent for: Cash back — high flat rate + incentives

Wells Fargo Active Cash® Card

NerdWallet rating

Wells Fargo Active Cash® Card card image

NerdWallet rating

on Wells Fargo's website

Rates & Fees

Current Intro Offer

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

Rewards Rate

Unlimited Cash rewards on purchases.

Rewards rate

Cashback

Annual fee

Recommended Credit

Current Intro Offer

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

Rewards rate

Cashback

Annual fee

Recommended Credit

Product Details

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
View Rates & Fees

on Wells Fargo's website

Pros & Cons

Pros

High rewards rate
No annual fee
Intro APR period

Cons

No bonus categories

Excellent for: Delicious Foodie-Focused Rewards, for No Annual Fee

Capital One Savor Cash Rewards Credit Card

NerdWallet rating

Capital One Savor Cash Rewards Credit Card card image

NerdWallet rating

on Capital One's website

Rates & Fees

Current Intro Offer

For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Rewards Rate

Cash back on Capital One Entertainment purchases.

Cash back on hotels and rental cars booked through Capital One Travel.

Cash back on dining.

Cash back on entertainment.

Cash back on popular streaming services.

Cash back at grocery stores (excluding superstores like Walmart® and Target®).

Cash back on all other purchases.

Rewards rate

1%-8%

Cashback

Annual fee

Recommended Credit

Current Intro Offer

For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Rewards rate

1%-8%

Cashback

Annual fee

Recommended Credit

Product Details

For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
View Rates & Fees

on Capital One's website

Pros & Cons

Pros

No annual fee
Intro APR period
Bonus categories
No foreign transaction fees

Cons

Requires good/excellent credit

Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited®

NerdWallet rating

NerdWallet rating

Current Intro Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Rewards Rate

Cash back on travel purchased through Chase Travel℠.

Cash back on drugstore purchases.

Cash back on dining at restaurants, including takeout and eligible delivery services.

1.5%

Cash back on all other purchases.

Rewards rate

1.5%-5%

Cashback

Annual fee

Recommended Credit

Current Intro Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Rewards rate

1.5%-5%

Cashback

Annual fee

Recommended Credit

Product Details

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

on Chase's website

Pros & Cons

Pros

No annual fee
Intro APR period
High rewards rate
No minimum redemption amount

Cons

Requires good/excellent credit