If you’re going to buy something on credit, why not get rewarded for it by using a cash back card?

Maybe you’re not sure how to pick the right one. If so, don’t worry, because we did all the hard work for you. The Fortune RecommendsTM team evaluated approximately 40 cash back credit cards available today and ranked them based on factors such as annual fee, rewards structure, annual percentage rate (APR), consumer benefits, and more. Read on to see our top picks.

See our full methodology here.

All interest rates, cash back rewards, and fees are subject to change.

Best overall cash back card 

The Wells Fargo Active Cash® Card has a lot to offer, with a generous sign-up bonus, straightforward rewards structure, a host of valuable extras, and no annual fee.

Wells Fargo Active Cash® Card

Key numbersCash back rate2%Welcome bonus$200Annual fee$0Regular APR20.24%–29.99%Recommended credit scoreGood to excellent

Why we like this card 

The Wells Fargo Active Cash card checks all the boxes when it comes to what you’d want in a cash back card. For one, it offers an unlimited flate rewards rate of 2% cash back on all eligible purchases. 

There’s also an attainable sign-up bonus of $200 when you spend just $500 within three months of opening your account. And as an added bonus, cardholders receive a 0% introductory APR for 15 months on purchases and balance transfers (after that, your variable APR will be 20.24%–29.99%, based on creditworthiness).

The Active Cash card also comes with a host of other perks, such as cell phone protection, free access to your FICO credit score, and flexible reward redemption options. Considering these many benefits, it’s impressive that the card comes with no annual fee.

ProsCompetitive flat rewards rate15-month 0% introductory APRNo annual feeConsNo bonus categoriesLackluster welcome bonus

Card details 

Balance transfer APR: 20.24%–29.99%

Cash advance APR: 29.99%

Penalty APR: 29.99%

Late payment fee: up to $40

Foreign transaction fee: None

Rewards: 2% cash back on all eligible purchases

Consumer benefits: Cell phone protection

Additional perks/benefits: Free FICO score

JD Power customer satisfaction rating: 797Best cash back card for those who want the most value

The Chase Freedom Unlimited® credit card is all about giving you more for your money. 

Chase Freedom Unlimited credit card

Key numbersCash back rate1.5%–5%Welcome bonus$200 bonus after you spend $500 on purchases in the first 3 months from account openingAnnual fee$0Regular APR20.49%–29.24% VariableRecommended credit scoreGood to excellent

Why we like this card 

If you’re looking for a card with a high rewards rate and tons of freebies—without an annual fee—the Chase Freedom Unlimited card is an excellent option. It awards an unlimited 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on drugstore purchases, and 1.5% cash back on all eligible purchases. Cardholders also earn 5% cash back on Lyft purchases (through March 2025).

You can save big in your first year as a cardholder. There’s a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, you can earn 5% cash back on combined gas station & grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year. And pay 0% interest on all purchases and balance transfers for the first 15 months of account opening.

What’s more the card comes with a number of valuable protections, including extended warranty, purchase protection, trip cancellation/interruption insurance, and rental car coverage. You also get a complimentary three months of DashPass and Instacart+ membership. If you enroll in Instacart+ after those first three months, you’ll earn a statement credit up to $10 each quarter through July 31, 2024 when you make eligible Instacart purchases with your Chase Freedom Unlimited card.

Pros$0 annual fee$200 sign-up bonus0% APR for 15 months

Card details 

Balance transfer APR: 20.49%–29.24% Variable, plus a fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash advance APR: 29.99% Variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater.

Penalty APR: Up to 29.99%

Late payment fee: Up to $40

Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars

Rewards: 5% cash back on travel purchased through Chase Ultimate Rewards, 5% cash back on Lyft purchases (through March 2025), 3% cash back on dining (including takeout and eligible delivery service), and 1.5% cash back on all eligible purchases

Consumer benefits: Purchase protection, extended warranty protection, trip cancellation/interruption insurance, auto rental collision damage waiver, 

Additional perks/benefits: Complimentary Dashpass and Instacart+ memberships

JD Power customer satisfaction rating: 813Best cash back card for the household CFO

The Chase Freedom Flex℠ card is designed to help you match cash back rewards to your spending habits.

Chase Freedom Flex Credit Card

Key numbersCash back rate1%–5%Welcome bonus$200 cash bonus after spending $500 on purchases within your first three monthsAnnual fee$0Regular APR20.49%–29.24% VariableRecommended credit scoreGood to excellent

Why we like this card 

Do you manage the money in your household? Are you responsible for shopping and making the most of your family’s budget? If so, you’ll appreciate what the Chase Freedom Flex card has to offer.

The Freedom Flex is similar to the Freedom Unlimited. The rewards structure is nearly identical: 5% cash back on travel purchased through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1% cash back on all other purchases. You also get the same $200 bonus and 5% gas and grocery store offer, along with a 15-month 0% APR period, Dashpass and Instacart+ benefits, and no annual fee.

The big difference is that the Freedom Flex card also includes bonus categories that allow you to earn 5% back in certain categories, up to $1,500 in total combined purchases each quarter. Bonus categories include gas stations, wholesale clubs, gyms and more—the exact categories available depend on the Chase cash back calendar. (You’ll need to activate your bonus categories each quarter.)

Finally, in addition to extended warranty, purchase, and travel protections, the Cash Freedom Flex card also comes with cell phone insurance.

ProsUp to 5% cash back on select spending categories0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%)$0 annual feeConsBonus categories have quarterly limits on cash backBonus categories require activationForeign transaction fee

Card details 

Balance transfer APR: 20.49%–29.24% Variable, plus a fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash advance APR: 29.99% Variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater.

Penalty APR: Up to 29.99%

Late payment fee: Up to $40

Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars

Rewards: 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent), 5% cash back on travel purchased through Chase Ultimate Rewards, 5% cash back on Lyft rides (through March 2025), 3% cash back on dining (including restaurants, takeout and eligible delivery services), and 1% cash back on all other purchases.

Consumer benefits: Purchase protection, extended warranty protection, trip cancellation/interruption insurance, auto rental collision damage waiver, cell phone protection

Additional perks/benefits: Complimentary Dashpass and Instacart+ memberships

JD Power customer satisfaction rating: 813

Best cash back card for students

The Chase Freedom® Rise card is a great option for students who are just starting out with managing their finances and credit.

Chase Freedom RiseSM credit card

Key numbersCash back rate1.5%Welcome bonusN/AAnnual fee$0Regular APR26.99% variableRecommended credit scoreThin credit file/no credit history required

Why we like this card 

If you’re new to the world of credit cards, the Chase Freedom RiseSM card is sure to make your first experience a great one. Whether you’re buying books for class or concert tickets for the weekend, you’ll earn an unlimited 1.5% cash back on all your spending, plus 5% cash back on Lyft rides through March 31, 2025. And there’s no annual fee to worry about.

New cardholders will also earn a $25 statement credit after signing up for automatic payments within the first three months of opening an account. And forget cafeteria food: you’ll also get three months of DashPass and Instacart+ membership for free. The Freedom card also comes with extended warranty protection, purchase protection, and trip cancellation/interruption insurance.

If you’re worried about qualifying for this card with little to no credit, know that this card is designed for those who are new to managing credit. You can also increase your chances of approval by having a Chase checking account with at least $250 before applying. If approved, you’ll be evaluated for a credit line increase in as soon as 6 months. 

ProsNo annual feeExcellent credit not required to get approvedConsNo welcome bonusNo introductory 0% APR

Card details 

Balance transfer APR: 26.99%, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater.

Cash advance APR: 29.99%, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater.

Penalty APR: up to 29.99%

Late payment fee: up to $40

Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars

Rewards: 1.5% cash back on all purchases

Consumer benefits: Purchase protection, extended warranty protection, trip cancellation/interruption insurance

Additional perks/benefits: $25 statement credit for signing up for automatic payments within the first 3 months of account opening

JD Power customer satisfaction rating: 813Best cash back card for a big sign-up bonus

The Capital One Savor Rewards card ensures you get plenty of value out of your card right away with one of the biggest sign-up bonuses of the cards we reviewed.

Capital One Savor Rewards

Key numbersCash back rate1%–4%Welcome bonus$300Annual fee$95Regular APR21.24%–29.24%Recommended credit scoreExcellent

Why we like this card 

If you’re looking for a card that gives you plenty of bang for your buck right away, you’ll appreciate the large signup bonus that comes with the Savor card. Earn a one-time $300 cash bonus once you spend $3,000 on purchases within three months from account opening. That’s effectively 10% back on your spending.

This card also offers impressive rewards, starting with an unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores, and 1% on all other purchases. You can also earn 5% back on hotels and rental cars booked through Capital One Travel, 8% back on Capital One Entertainment purchases (which also come with exclusive access and cardholder perks), and a whopping 10% back on purchases through Uber and Uber Eats. Plus, get you Uber One membership fees covered through November November 14, 2024.

ProsLarge welcome bonusNo foreign transaction feeConsAnnual feeNo 0% intro APR

Card details 

Balance transfer APR: 21.24%–29.24% APR, plus a fee of 3% 

Cash advance APR: 29.24%, plus a fee of either $3 or 3% of the amount of each cash advance, whichever is greater

Penalty APR: N/A

Late payment fee: up to $40

Foreign transaction fee: None

Rewards: 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores, and 1% on all other purchases

Consumer benefits: Extended warranty, travel accident insurance

Additional perks/benefits: Complimentary Uber benefits

JD Power customer satisfaction rating: 812Best cash back card for avoiding fees and interest

The Costco Anywhere Visa® Credit Card by Citi ensures that your cash back rewards don’t get wiped out by added costs.

Costco Anywhere Visa® Credit Card by Citi

Key numbersCash back rate1%–4%Welcome bonusN/AAnnual fee$0Regular APR20.49%Recommended credit scoreGood to excellent

Why we like this card 

If you’ve been considering becoming a Costco member, this card may be a good reason to finally do it. As you might expect, it offers generous rewards on Costco purchases. However, the card also offers great cash back rates on other spending, too. 

Cardholders get 4% cash back on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter, unlimited 3% back on restaurants and eligible travel (including Costco travel), unlimited 2% back on all other purchases from Costco and Costco.com, and unlimited 1% back on all other purchases.

Despite this generous reward structure, there is no annual fee. The Costco Anywhere Visa also does not charge foreign transaction fees. And if you need to carry a balance month to month, the maximum APR you’ll pay is 20.49%. Meanwhile, many of the other cards we evaluated have APRs that reach upwards of 30% depending on your credit. 

ProsBonus categoriesNo annual feeNo foreign transaction feeConsCostco membership required to apply ($60)No welcome bonusLimited redemption options

Card details 

Balance transfer APR: 20.49% APR, plus a fee of $5 or 5% of the amount of each cash transfer, whichever is greater

Cash advance APR: 29.99%, plus a fee of either $10 or 5% of the amount of each cash advance, whichever is greater

Penalty APR: up to 29.99%

Late payment fee: up to $40

Foreign transaction fee: None

Rewards: 4% cash back on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter, unlimited 3% back on restaurants and eligible travel (including Costco travel), unlimited 2% back on all other purchases from Costco and Costco.com, and unlimited 1% back on all other purchases

Consumer benefits: Purchase protection, car rental insurance, travel accident insurance

Additional perks/benefits: N/A

JD Power customer satisfaction rating: 808Best cash back card for customer experience

The Discover it® Cash Back Credit Card makes managing your account a breeze.

Discover it® Cash Back Credit Card

Key numbersCash back rate1%–5%Welcome bonusCash back match in first yearAnnual fee$0Regular APR17.24%–28.24%Recommended credit scoreGood to excellent

Why we like this card 

What good is a cash back card if managing it is a struggle? With the Discover it Cash Back card, you’ll have a team of helpful experts at your side. 

For one, Discover ranked second overall in the J.D. Power 2022 U.S. Credit Card Satisfaction Study with a score of 841. The study, which includes responses from nearly 28,000 credit card customers, ranks national card issuers based on six factors: benefits and services, communication, credit card terms, interaction, key moments, and rewards. Discover’s mobile app is also highly rated, with an average of 4.8 stars across mobile app stores. 

Cardholders can also earn up to 5% back on certain spending categories with no annual fee and no foreign transaction fees. Plus, Discover will match your cash back earnings in your first year with no limit. And if you accidentally miss a payment, Discover waives the fee the first time.

Pros15-month 0% intro APRNo annual feeNo foreign transaction feesConsComplicated rewards systemBonus cash back capped

Card details 

Balance transfer APR: 17.24%–28.24% APR, plus a 5% fee

Cash advance APR: 29.99%, plus a fee of either $10 or 5% of the amount of each cash advance, whichever is greater

Penalty APR: N/A

Late payment fee: up to $41

Foreign transaction fee: None

Rewards: 5% cash back on everyday purchases at different places each quarter, 1% back on all other purchases

Consumer benefits: Free FICO score

Additional perks/benefits: Dollar-for-dollar cash back match in first year

JD Power customer satisfaction rating: 841Best cash back card for big-ticket purchases

The US Bank Cash+ ® Visa Signature ® Card offers a generous cash back rate on retail purchases, plus a 15-month 0% introductory APR, making it ideal for major purchases.

US Bank Cash+ ® Visa Signature ® Card

Key numbersCash back rate1%–5%Welcome bonus$200Annual fee$0Regular APR19.74%–29.74%Recommended credit scoreGood to excellent

Why we like this card 

If you’re expecting to make a major purchase in the near future, like re-furnishing your home or buying a big-screen TV, the US Bank Cash+ ® Visa Signature ® Card can help you save big. 

First, this card offers 5% back on two categories of your choice, which include department stores, electronic stores, furniture stores, and more (plus 2% back on one everyday category and 1% back on all other purchases). You’ll also pay 0% APR for the first 15 billing cycles, giving you plenty of time to pay down your purchase without accruing interest charges. There’s also a $200 bonus available to new cardholders who spend  $1,000 in eligible purchases within the first 120 days of account opening, further helping to offset the cost of any major purchases.

Another perk of the Cash+ card is the option to enroll in an Extend Pay plan, which allows you to pay off balances in fixed monthly payments over time and avoid paying interest charges on new purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. 

Pros15-month 0% intro APRNo annual feeNo foreign transaction feesConsComplicated rewards systemBonus cash back capped

Card details 

Balance transfer APR: 19.74%–29.74% APR, plus a fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater

Cash advance APR: 29.99%, plus a fee of either 5% of the amount of each advance or $10 minimum, whichever is greater

Penalty APR: N/A

Late payment fee: up to $41

Foreign transaction fee: 3%

Rewards: 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, and 1% cash back on all other eligible purchases

Consumer benefits: N/A

Additional perks/benefits: Pay over time with a U.S. Bank ExtendPay® Plan

JD Power customer satisfaction rating: 791Best cash back card for paying off existing debt

The Fifth Third 1% Cash/Back Card comes with no annual fee and a long 0% APR introductory period, making it a great option for those aiming to eliminate their balance.

Fifth Third 1% Cash/Back Card

Key numbersCash back rate1%Welcome bonus$0Annual fee$0Regular APR16.24%–27.24%Recommended credit scoreGood to excellent

Why we like this card 

At face value, the Fifth Third 1% Cash/Back Card is pretty average when it comes to the competition, with a modest 1% back on all purchases. However, where this card really shines is its incredibly long, 21-month 0% APR introductory period on purchases and balance transfers. With nearly two years of zero interest, those who are carrying a big balance will have plenty of time to pay it down without racking up new interest charges.

As an added bonus, the Fifth Third 1% Cash/Back Card comes with cell phone insurance. And  it has no annual fee, ensuring there’s no added cost to take advantage of these great benefits. 

Pros0% APR for 21 monthsNo annual feeCell phone insuranceConsLow flat rewards rate compared to other cardsNo welcome bonus

Card details 

Balance transfer APR: 16.24%–27.24%, plus a fee of either $5 or 4% of the amount of each transfer, whichever is greater

Cash advance APR: 29.99%, plus a fee of either $10 or 5% of the amount of each Cash Advance, whichever is greater

Penalty APR: N/A

Late payment fee: up to $40

Foreign transaction fee: None

Rewards: 1% cash back on all purchases

Consumer benefits: Cell phone protection

Additional perks/benefits: N/A

JD Power customer satisfaction rating: 806Best cash back card for no-fuss rewards

The TD Double Up Card doesn’t require you to track rotating categories or match your spending to its rewards. It offers one competitive flat cash back rate across all purchases—with no caps or limits—plus a host of added perks.

TD Double Up Credit Card

Key numbersCash back rate2%Welcome bonus$100Annual fee$0Regular APR20.24%–30.24%Recommended credit scoreGood to excellent

Why we like this card 

Some people prefer a cash back card that offers a lot of value with little-to-no work on their part. And that’s what the TD Double Up card delivers. All purchases earn an unlimited 2% cash back—one of the highest flat cash back rates on the market. Plus, new cardholders enjoy an introductory 0% APR on purchases and balance transfers for 15 months (after which the rate reverts to 20.24%–30.24% APR, based on creditworthiness). You can also earn a $100 cash back bonus in the form of a statement credit when you spend $1,000 within the first 90 days after account opening.

The TD Double Up card also stands out for the numerous benefits and protections offered to cardholders, from extended warranty protection to cell phone insurance. Keep in mind, however, that this card is only available to residents of the following states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

ProsCompetitive flat cash back rate15-month 0% APR introductory periodNo annual feeConsOnly available in states with TD Bank branchesForeign transaction fee

Card details 

Balance transfer APR: 20.24%–30.24% APR, plus a fee of either $5 or 3% of the amount of each transfer, whichever is greater

Cash advance APR: 30.49%, plus a fee of either $10 or 5% of the amount of each cash advance, whichever is greater

Penalty APR: N/A

Late payment fee: up to $40

Foreign transaction fee: 3%

Rewards: 2% back on all purchases

Consumer benefits: Purchase protection, extended warranty, cell phone protection, lost luggage reimbursement

Additional perks/benefits: N/A

JD Power customer satisfaction rating: 808

What is a cash back credit card?

A cash back credit card is a type of credit card that allows users to earn a percentage of their spending back in the form of cash rewards. Depending on the card, cash back rewards can be a flat rate (e.g., 1.5% on all purchases) or can vary by purchase category (e.g., 3% on dining, 2% on groceries, and 1% on all other purchases). Some cards may also offer promotional periods with higher cash back percentages or bonuses for spending certain amounts within a specified timeframe. Learn more about how cash back cards work.

Can you get cash back with a credit card?

Yes many credit cards offer cash back, where you earn a percentage of your purchases back as a reward. For example, a card might offer 1% cash back on all purchases. If you spend $100, you’d earn $1 back in rewards. 

Over time, these rewards add up and can be redeemed in various ways, such as a statement credit, check, or deposit into a bank account. However, it’s essential for cardholders to be aware of any potential annual fees, interest rates, and reward expiration or limitations to ensure they maximize the benefits while minimizing costs. Learn more about maximizing cash back rewards.

Frequently Asked Questions 

Are cash back cards a good idea?

If you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway. However, if you struggle with debt and paying your credit card bill on time, it’s a good idea to avoid credit cards in general.

What credit card gives you 3% back?

There aren’t any credit cards that provide a flat 3% back across the board. However, several cards offer 3% back in certain spending categories, including the Amex EveryDay® Preferred Credit Card, Bank of America® Customized Cash Rewards Credit Card, and Capital One SavorOne Rewards.

How do you get 5% cash back on everything?

There is no cash back card that provides 5% back on all purchases. However, several cards offer 5% cash back on popular spending categories like groceries and gas, including the US Bank Cash+  Visa Signature ® Card, Credit One Bank Platinum X5 Visa, and Discover it Cash Back card.

How much is 1.5% cash back on $1,000?

If you spend $1,000 in eligible purchases on a card that offers 1.5% back, you’d earn $15 in cash back.

Is there a downside to cash back?

There is no downside to earning cash back. However, it’s not a good idea to spend money on a credit card that you can’t afford to pay back just to earn cash back. Missing payments results in late fees and harm to your credit.

Our methodology 

To bring you our top picks for the best cash back credit cards, the Fortune Recommends team compared approximately 40 cash back rewards cards available from major issuers. 

We ranked each account in these nine core categories: 

Annual fee (10%): Some credit cards charge an annual fee, which can range from $50 to several hundred dollars. Usually, the more valuable the rewards and perks associated with a card, the higher the annual fee. However, many cards do not charge a fee at all. Fee-free cards were prioritized in our rankings. 

Base rewards rate (15%): This is the minimum amount of cash back awarded on everyday purchases, not considering any specific or rotating categories that may earn a higher rewards rate. 

Welcome bonus (15%): It’s common for credit card issuers to entice new customers by offering a bonus when they spend a certain amount of money within a few months after opening an account.   

0% APR intro term (15%): Another feature that some card issuers offer to attract new business is an introductory period when the APR is 0%, meaning you won’t accrue any interest charges on purchases or balance transfers during this time (though balance transfers may be subject to fees). After this period, the interest rate reverts to the regular purchase APR on new charges. 

Purchase APR (20%): We examined the lowest available rate (10%) and highest available rate (10%) on regular purchases. (The exact interest rate you’re offered within that range will depend on your individual credit and financial profile).

Foreign transaction fee (5%): Some credit cards charge a fee for transactions made overseas. Cards that charge foreign transaction fees were docked in our rankings. 

Statement credits (5%): A handful of cash back cards also offer monthly, quarterly, or annual statement credits to offset the cost of certain purchases.

Customer service (5%): We included the J.D. Power 2022 U.S. Credit Card Satisfaction rating for all card issuers.

Consumer benefits (5%): Cards were awarded 0–4 points based on which consumer benefits/protections were included: purchase protection, extended warranty, cell phone insurance, car rental/trip insurance.

Mobile app rating (5%): We averaged the star rating for each issuer’s mobile app in the Apple Store and Google Play.

Keep in mind that the rewards, interest rates, and fee structures for the cards mentioned are available for limited periods and subject to change, which could impact how much cash back you earn. Additionally, only cards with an explicit cash back rate were considered; cards offering points or other non-cash back rewards were excluded from our rankings. 

In addition to our best overall ranking, we evaluated the same credit cards and chose our top pick based on the following metrics: 

Category 1: Value seekers 

Annual fee

Welcome bonus

0% APR intro period term

Statement credits

Base rewards rate

Highest rewards rate

Complimentary membership/subscription

Foreign transaction fee

Consumer benefitsCategory 2: Household CFO 

Annual fee

Welcome bonus

0% APR intro period term

Complimentary membership/subscription

Statement credits

Consumer benefits

Rewards rate (travel, grocery, dining, gas, entertainment, retailers)

Whether rewards are cappedCategory 3: Students 

Annual fee

0% APR intro period term

Purchase APR

Base rewards rate

Customer service

Maximum late payment feeCategory 4: Paying off debt

Annual fee

0% APR intro period term

Purchase APRCategory 5: Best bonus

Annual fee

Base rewards rate

Welcome bonus

Minimum spendCategory 6: Avoiding fees and interest

Annual fee

0% APR intro period term

Purchase APR

Foreign transaction feeCategory 7: No-fuss rewards

Annual fee

Welcome bonus

0% APR intro period term

Statement credits

Rewards rate

Complimentary membership/ subscription 

Foreign transaction fee

Consumer benefitsCategory 8: Customer experience

JD Power customer rating

Mobile app ratingCategory 9: Big-ticket purchase

Annual fee

0% APR intro period term

Retailer rewards rate

Whether rewards are capped

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

Original: Fortune | FORTUNE: 10 best cash back credit cards of November 2023