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Best Cash Back Credit Cards Of September 2024

Updated: Sep 1, 2024, 03:58 am

In a world where every penny counts, cash back credit cards offer an exciting way to earn rewards on your everyday spending. With detailed comparisons of cash back rates, annual fees, introductory offers, and additional perks, our guide simplifies your search for the card that aligns perfectly with your financial goals. Start turning your expenses into rewards today with the top cash back credit cards on the market.

Editorial Note: Our editors’ opinions and evaluations remain unaffected by the commissions we earn from partner links on Credit Propose.

Balance Transfer Credit Cards

Top Best Cash Back Credit Cards

BEST CASH BACK & 0% INTRO APR

Citi Custom Cash℠ Card

Apply Now
On Citi’s secure website
Citi Custom Cash℠ Card

Credit Propose

5.0

0% intro APR for 15 months on purchases and balance transfers. 5% cash back on your top eligible spend category up to $500 spent each billing cycle and 1%unlimited cash back on all other purchases

Welcome Bonus

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening

$200

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% intro APR for 15 months on purchases and balance transfers. 5% cash back on your top eligible spend category up to $500 spent each billing cycle and 1%unlimited cash back on all other purchases

Welcome Bonus

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening

$200

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum.
  • 1% unlimited cash back on all other purchases.
  • 0% intro APR for 15 months on purchases and balance transfers.
  • Fee for foreign purchases — 3%
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.
  • 1% unlimited 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!
  • Introductory rate of 0% for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After the introductory period ends, a variable APR of 19.24% – 29.24%, based on your creditworthiness
  • No annual fee
  • Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater.

BEST CASH BACK & 0% INTRO APR

Bank of America® Customized Cash Rewards credit card

Apply Now
On Citi’s secure website
Bank of America® Customized Cash Rewards credit card

Credit Propose

5.0

0% Intro APR for your first 15 billing cycles for purchases and balance transfers. Earn 3% cash back in the category of your choice. 

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% Intro APR for your first 15 billing cycles for purchases and balance transfers. Earn 3% cash back in the category of your choice. 

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Earn 3% cash back in the category of your choice — with newly-expanded options
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn unlimited 1% cash back on all other purchases.
  • Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
  • 0% Intro APR for your first 15 billing cycles for purchases and balance transfers
  • 3% Balance Transfer Fee
  • 3% Foreign Transaction Fee
  • Up to 40% Late Payment Fee
  • $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.
  • Earn 3% cash back in the category of your choice — with newly-expanded options: gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
  • Earn unlimited 1% cash back on all other purchases.
  • Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
  • 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that’s currently 18.24% to 28.24% will apply. A 3% fee applies to all balance transfers.
  • No annual fee

BEST CASH BACK & 0% INTRO APR

Wells Fargo Active Cash® Card

Apply Now
On Citi’s secure website
Ink Business Cash® Credit Card

Credit Propose

5.0

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers and earn unlimited 2% cash rewards on purchases

Welcome Bonus

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

$200

Annual Fee

$0

Regular APR

20.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

BEST CASH BACK & 0% INTRO APR

Wells Fargo Active Cash® Card

Ink Business Cash® Credit Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers and earn unlimited 2% cash rewards on purchases

Welcome Bonus

Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

$200

Annual Fee

$0

Regular APR

20.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • $200 cash rewards bonus
  • 0.00% introductory APR for 15 months
  • $3%  balance transfer fee
  • Unlimited 2% cash rewards on purchases
  • 3% Foreign Transaction Fee
  • $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
  • Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.24% – 29.99%.
  • No annual fee
  • 3% Foreign Transaction Fee

BEST CASH REWARDS

Capital One SavorOne Cash Rewards Credit Card

Apply Now
On Capital One’s secure website
Capital One SavorOne Student Cash Rewards Credit Card

Credit Propose

5.0

  • 10% cash back on eligible purchases made using the Uber and Uber Eats apps
  • 8% Cash Back on Capital One Entertainment purchase
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • 1% Cash Back on all other purchases

Welcome Bonus

N/A

None

Annual Fee

$0

Regular APR

19.99% – 30.74%

Credit Score

Good, Excellent (700-749)

BEST CASH REWARDS

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Credit Propose

5.0

Apply Now
On Capital One’s secure website
  • 10% cash back on eligible purchases made using the Uber and Uber Eats apps
  • 8% Cash Back on Capital One Entertainment purchases
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • 1% Cash Back on all other purchases

Welcome Bonus

N/A

None

Annual Fee

$0

Regular APR

19.99% – 30.74%

Credit Score

Good, Excellent (700-749)

  • No annual fee
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
  • Earn 8% cash back on Capital One Entertainment purchases.
  • Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered 
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • No Foreign Transaction Fees
  • Redeem Your Rewards with PayPal
  • Travel Accident Insurance
  • $0 Fraud Liability
  • Autopay
  • No intro offer
  • No annual fee
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
  • Earn 8% cash back on Capital One Entertainment purchases.
  • Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered 
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 19.99% – 30.74% variable APR
  • No Transfer Fee with this APR
  • You won’t pay a transaction fee when making a purchase outside of the United States.
  • Travel Accident Insurance. Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
  • Now you can pay for Amazon.com purchases using your Capital One rewards
  • $0 Fraud Liability. If your card is lost or stolen, you will not be responsible for unauthorized charges.
  • Set up Autopay for your account and your payments will be made automatically every month.

Chase Freedom Unlimited® Card

Apply Now
On Wells Fargo’s secure website
Wells Fargo Reflect® Card

Credit Propose

5.0

0% intro APR for 15 months from account opening on purchases and balance transfers

Welcome Bonus

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

$200

Annual Fee

$0

Regular APR

20.49%-29.24%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON PURCHASES AND BEST BALANCE TRANSFER

Chase Freedom Unlimited® Card

Wells Fargo Reflect® Card

Credit Propose

5.0

Apply Now
On Wells Fargo’s secure website

0% intro APR for 15 months from account opening on purchases and balance transfers.

Welcome Bonus

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

$200

Annual Fee

$0

Regular APR

20.49%-29.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • 0% intro APR for 15 months from account opening on purchases and balance transfers
  • $200 Cash Back After You Spend $500 On Purchases
  • 3% intro balance transfer fee
  • Earn 5% Cash back on combined gas station & grocery store offer purchases on up to $12,000 spent in the first year
  • 5% on travel purchased through Chase Ultimate Rewards®
  • 3% on dining at restaurants
  • 3% on drugstore purchases
  • 1.5% on all other purchases
  • Cash Back Rewards do not expire
  • Zero Liability Protection
  • Purchase Protection
  • Free Credit Score and Identity Restoration with Credit Journey
  • Fraud Monitoring
  • Auto Rental Collision Damage Waiver
  • Transaction Fee- 3% of the amount of each transaction in U.S. dollars.
  • Late Payment Up to $40
  • 0% intro APR for 15 months from account opening on purchases and balance transfers
  • After that, 20.49% to 29.24%, based on your creditworthiness
  • No annual fee
  • Intro Balance Transfers Fee- 3% for each balance transfer, with a minimum of $5. After 5%
  • Earn 5% Cash back on combined gas station & grocery store offer purchases on up to $12,000 spent in the first year
  • 5% on travel purchased through Chase Ultimate Rewards®
  • 3% on dining at restaurants, including takeout and eligible delivery services
  • 3% on drugstore purchases
  • 1.5% on all other purchases
  • Cash Back Rewards do not expire as long as your account is open. And there is no minimum to redeem for cash back.
  • Foreign Currency Conversion/Foreign Transaction Fee- 3% of each transaction converted to U.S. dollars.
  • Late Payment fee-Up to $40

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Apply Now
On Wells Fargo’s secure website
Wells Fargo Reflect® Card

Credit Propose

5.0

6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose

3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)

1.5% cash back on all other eligible purchases

Welcome Bonus

Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening

$250

Annual Fee

$0 first year, after $95

Regular APR

19.74%-29.74%

Credit Score

Excellent, Good (700 – 749)

BEST SHOPPER CASH REWARDS

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Wells Fargo Reflect® Card

Credit Propose

5.0

Apply Now
On Wells Fargo’s secure website

6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose

3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)

1.5% cash back on all other eligible purchases

Welcome Bonus

Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.

$250

Annual Fee

$0 first year, after $95

Regular APR

19.74%-29.74%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee first year, after $95
  • Get a $250 bonus after you spend $2,000 in eligible purchases
  • $200 Cash Back After You Spend $500 On Purchases
  • 3% balance transfer fee
  • 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
  • Plus 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
  • 1.5% cash back on all other eligible purchases
  • NO over limit fee
  • Foreign Transaction Fee- 3% .
  • No 0% intro APR
  • No annual fee first year, after $95
  • Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening
  • Annual Percentage Rate (APR): 19.74% to 29.74% based on your creditworthiness when you open your account.
  • 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
  • 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
  • 1.5% cash back on all other eligible purchases
  • 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center
  • Get your cash back as a statement credit, a rewards card, merchant gift cards or directly deposited into your U.S. Bank checking or savings account.