$0 annual fee
American ExpressBlue Cash Everyday
3% in three everyday categories, with separate annual caps.
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EXPLORE BY REWARD TYPE
Cash-back credit cards
Cash-back cards earn rewards you can redeem for money, such as a statement credit or an eligible account deposit. Some pay a flat rate; others reward particular purchase categories. Redemption requirements vary by card.
These selected cash-back cards are included in our cash-back calculator. It models ongoing cash redemption and category caps, assumes balances paid in full, and excludes welcome offers, interest and other fees. It does not cover the whole market.
Browse 8 cards$0 annual fee
Capital OneSavor Rewards
3% on eligible groceries, dining, entertainment, and streaming.
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$0 annual fee
ChaseFreedom Unlimited
3% on dining and drugstores; 1.5% on other modeled purchases.
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$0 annual fee
Wells FargoActive Cash
2% cash rewards on eligible purchases, without category caps.
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$0 annual fee
CitiDouble Cash
2% total: 1% on purchases and 1% as those purchases are paid.
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$0 annual fee
Capital OneQuicksilver Rewards
1.5% on everyday purchases for the listed $0-fee variant.
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$0 annual fee
PNC BankCash Unlimited Visa Signature
Unlimited 2% on eligible purchases, redeemed as statement credit.
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$0 annual fee
Elan Financial ServicesFidelity Rewards Visa Signature
Unlimited 2% value when rewards are deposited into an eligible Fidelity account.
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How can I compare cash-back cards?
Use your monthly spending in the cash-back calculator, then check each card’s caps and redemption conditions. Our flat-rate versus category rewards guide explains why the highest advertised rate may not give you the highest return.