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The 4 Best Cash-Back Credit Cards Available Today

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Editor’s Note: Money Talks News has partnered with CardRatings for our coverage of credit card products. Money Talks News and CardRatings may receive a commission from card issuers.

The arrival of fall means many of us are starting to think about the holidays — and gift shopping.

Any time you know you’ve got significant spending coming up, it makes sense to take a few minutes and look for ways to save on it. The holiday shopping season is one of the biggest opportunities to save money for some people, in the form of cash-back rewards.

Are you satisfied with your current credit card and confident you’re getting at least 2% cash back on every purchase? If not, or if you’re not even sure what you’re getting out of your card, it’s time to take a look at the top cashback rewards offers currently out there.

These are our favorite cashback cards.

Citi Double Cash

Why we like it: We’ve called this “The Best Cash-Back Credit Card for Everyday Use” since it earns 1% cash back on every purchase, then earns another 1% cash back when you pay for those purchases. If you want the peace of mind that you’re earning good cash-back rewards on everything, with no gimmicks or expiration dates, this is your card.

What to know:

Citi Double Cash
  • Get a total of 2% cash back on every purchase.
  • No limits or caps on cash back.
  • No confusing categories; everything earns cash back.
  • No annual fee.

Note: This card offers 18 months of 0% introductory APR on balance transfers.

Chase Freedom Unlimited

Why we like it: With no annual fee to worry about, the Chase Freedom Unlimited card is a top-tier choice for grocery or general cash-back rewards, offering at least 1.5% cash back on every purchase and more in certain categories. You also earn a $200 cash-back bonus after you spend $500 within the first three months.

What to know:

Chase Freedom Unlimited
  • 5% cash back on travel-related purchases through Chase.
  • 3% cash back on dining at restaurants and on drugstore purchases.
  • 1.5% cash back on every other purchase.
  • No expiration on cash-back rewards.
  • 0% introductory APR on purchases for 15 months, then a variable rate of 14.99% to 23.74%.
  • No annual fee.

Note: This card has a 3% foreign transaction fee, so plan accordingly for international travel.

Capital One Quicksilver Cash Rewards

Why we like it: This is a great all-around credit card with 1.5% cash back on every purchase. It also offers a $200 cash bonus after you spend just $500 within the first three months of opening the account.

What to know:

Capital One Quicksilver Cash Rewards
Capital One
  • Get 1.5% cash back on every purchase — no limits, and no expiration on cash-back rewards for the life of the account.
  • Get a $200 statement credit after spending $500 on the card within the first three months.
  • Pay 0% APR on purchases within the introductory 15-month period.
  • No annual fee.
  • No foreign transaction fees.

Citi Custom Cash

Why we like it: You get 5% cash back in the category you spend the most on, which can vary from month to month without any effort on your part — no rotating categories or card juggling required. Eligible categories include restaurants, grocery stores, drugstores, home improvement stores, fitness clubs, live entertainment and certain travel and transit.

What to know:

Citi Custom Cash
  • Get $200 in cash back after spending $750 on purchases in the first three months.
  • Earn 5% cash back in your top eligible spending category on up to $500 each month, with 1% cash back after.
  • Unlimited 1% cash back on all other purchases.
  • 0% introductory APR on purchases for 15 months.
  • 0% introductory APR on balance transfers for 15 months.
  • No annual fee.

Note: Cash back appears as ThankYou Points, which can be redeemed for cash, gift cards, Amazon purchases or travel rewards.

Whatever you need in a credit card — whether it’s a balance transfer, reward points, cash back or a low interest rate — you can find it with our credit card search tool. Click here to search for the plastic that best fits your needs.

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