3 Cash Back Credit Cards Compared for Best Results

If you're looking for a cash back credit card that will give you the best results, you need to consider your spending habits and what you value most in a card.

The Citi Double Cash Card offers 2% cash back on all purchases, with 1% back when you buy and an additional 1% when you pay your bill.

You can earn more rewards with the Discover it Cash Back Card, which gives 5% cash back on various categories throughout the year, such as gas stations, grocery stores, and restaurants.

The Chase Freedom Unlimited Card also offers 3% cash back on your first $20,000 in combined purchases in your first year, and 1.5% cash back on all other purchases.

You can regularly remove your personal info from select people-search websites that could sell your data with the help of the Discover app, and it's completely free.

The Discover app also lets you prevent new purchases, cash advances, and balance transfers in seconds with the Freeze it on/off switch, giving you peace of mind in case you misplace your card.

Excellent customer service is a top priority for many credit card holders. The customer service has been above par and outstanding.

One reviewer praised their experience, saying the customer service has been "above par and outstanding." This level of service is a standout feature that sets some credit cards apart from others.

With exceptional customer service, you can rest assured that any issues or concerns will be handled promptly and efficiently. This reviewer's experience is just one example of the many positive interactions with customer service teams.

The customer service team's responsiveness and helpfulness can make a big difference in how you feel about your credit card.

Our security features are designed to keep your financial information safe and secure. You can regularly remove your personal info from people-search websites that could sell your data, and it's completely free to do so.

With our mobile app and website, you can prevent new purchases, cash advances, and balance transfers in seconds using the Freeze it on/off switch. This gives you control over your account and helps protect you from unauthorized transactions.

Cash back credit cards are a great way to earn rewards on your purchases, but how do they actually work? Each card has its own rules, but they all provide a percentage of your purchase as cash back.

Some cards offer a flat rate of cash back on every purchase, like the Bank of America Customized Cash Rewards credit card, which offers 1% - 3% cash back on every purchase.

Others may let you earn higher levels of cash back in select categories, such as the Bank of America Customized Cash Rewards credit card, which earns 3% cash back in the category of your choice.

The Bank of America Customized Cash Rewards credit card also offers a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

To earn cash back, you'll need to make purchases with your credit card. The card will then automatically track your purchases and apply the cash back rate to your account.

Here's a breakdown of the cash back rates offered by the Bank of America Customized Cash Rewards credit card:

It's worth noting that some cards may have a cap on the amount of cash back you can earn, such as the Bank of America Customized Cash Rewards credit card, which has a $2,500 quarterly limit on combined choice category/grocery store/wholesale club purchases.

Discover offers a range of benefits that make it a great choice for credit card users.

You can earn an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.

The cash back you earn with Discover never expires, so you can redeem your rewards for cash at any time.

Discover is accepted nationwide by 99% of places that take credit cards, making it a convenient option for everyday purchases.

You're never responsible for unauthorized purchases on your Discover Card, providing an extra layer of security.

Discover will help you regularly remove your personal info from select people-search websites that could sell your data, a free service that's easy to activate with the Discover app.

Viewing your Credit Scorecard with Discover will never impact your FICO score, so you can check your credit health without worrying about the consequences.

One of the standout features of Discover is its Cashback Match program, which automatically matches all the cash back you've earned at the end of your first year, with no limit to how much they'll match.

This means you can effectively earn up to 10% back in your first year with a Discover card, making it a great option for big spenders.

The Bank of America Customized Cash Rewards credit card offers a range of cash back rewards. You can earn up to 3% cash back in the category of your choice.

To qualify for the rewards, you'll need to make at least $1,000 in purchases within the first 90 days of account opening, which will also earn you a $200 online cash rewards bonus.

Here's a breakdown of the cash back rewards:

New to the game is a feature that offers up to 10% cash back on everyday purchases, with no credit check required to apply.

The Bank of America Custom credit card is a great option for those looking to earn cash back rewards. You can earn up to 3% cash back in the category of your choice, which is a pretty high return.

To qualify for the 3% cash back, you'll need to make at least $1,000 in purchases within the first 90 days of account opening. This is a relatively short period of time, and it's a great opportunity to earn a significant amount of cash back.

One of the benefits of this card is the $200 online cash rewards bonus after meeting the $1,000 purchase requirement. This is a nice incentive to get started with the card.

You'll also earn 2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined purchases per quarter. This is a great way to earn cash back on everyday expenses.

If you're looking for a more straightforward cash back option, you can also earn 1% cash back on all other purchases.

Here's a breakdown of the cash back rates:

OpenSky is a credit card issuer that offers a secured credit card, which can be a good option for those with poor or no credit.

The OpenSky Secured Visa Credit Card has no annual fee and requires a security deposit to open an account, which becomes your credit limit.

You can apply for the OpenSky Secured Visa Credit Card online or by phone, and approval is often instant.

The card reports to all three major credit bureaus, which can help you build credit over time.

OpenSky also offers a credit score simulator, which allows you to see how different credit behaviors can affect your score.

This can be a helpful tool for understanding how to manage your credit and improve your score.

If you're looking for specific cash back card options, let's break it down.

The Capital One Savor Cash Rewards Credit Card is perfect for foodies who love attending concerts and sporting events or even enjoy entertaining at home, earning 3% cash back on dining, at grocery stores excluding superstores like Walmart and Target, entertainment, and popular streaming services.

Some cards offer a welcome bonus: the Capital One Quicksilver Cash Rewards Credit Card offers a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, while the Citi Double Cash Card earns $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

The Wells Fargo Active Cash Card offers a flat rewards rate on everything - 2% cash rewards on purchases, with no bonus categories to keep track of. It also offers a substantial welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.

Here are some key features of these cards:

The Capital One QuicksilverOne Cash Rewards Credit Card is a solid choice for those looking for a simple cash back rewards program. You can earn unlimited 1.5% cash back on every purchase, every day.

One of the benefits of this card is that there are no rotating categories or limits to how much you can earn. This means you can earn cash back on every purchase, without having to worry about signing up for specific categories or reaching certain spending limits.

The annual fee for this card is $39, which is relatively low compared to other cash back rewards cards.

First Progress Platinum Secured offers a range of benefits for those looking to rebuild their credit.

You can choose between the First Progress Platinum Select Mastercard Secured Credit Card and the First Progress Platinum Prestige Mastercard Secured Credit Card.

Both cards offer 1% Cash Back Rewards, giving you a chance to earn cash back on your purchases.

The First Progress Platinum Select Mastercard Secured Credit Card has a lower annual fee of $39.

The First Progress Platinum Prestige Mastercard Secured Credit Card is designed to help you start rebuilding with a First Progress Prestige Credit Card, and you can earn 1% Cash Back Rewards with it.

Here are the key features of the two cards:

Overall, both cards offer a chance to earn cash back and rebuild your credit, but the First Progress Platinum Select Mastercard Secured Credit Card has a lower annual fee.

The Citi Double Cash Card is a great option for those looking to earn cash back on their purchases. You can earn 1% - 5% cash back, with a special travel offer that gives you 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25.

One of the standout features of this card is its rewards rate, which offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, you must pay at least the minimum due on time.

Here are the key features of the Citi Double Cash Card:

The Petal 2 Visa Credit Card is a great option for those who want to earn cash back without any annual fee. It offers cash back rewards that can increase over time, starting at 1% and going up to 1.5% after certain payment milestones are met.

This card has no fees of any kind, making it a low-risk choice for those who want to avoid extra charges. You can earn cash back on unlimited everyday purchases, which is a great perk for those who want to earn rewards on all their purchases.

Here's a breakdown of the Petal 2 Visa's cash back rewards:

The Chase Freedom Unlimited is a popular credit card option for those looking for a card that offers strong bonus categories and decent flat-rate rewards on non-bonus spending.

It earns 5x on travel purchased through Chase Travel℠, 3x on dining and drugstore purchases, and 1.5x on everything else.

The card has no annual fee and offers a 0% intro APR on purchases and balance transfers for the first 15 months.

If you have a major purchase ahead of you, that introductory offer can be useful.

The Chase Freedom Unlimited also comes with a substantial welcome offer: an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

This card offers many good benefits as well, including extended warranty, travel accident insurance, and travel emergency assistance services.

You won't pay foreign transaction fees on international purchases, making it a great option for those who travel.

Here are the key benefits of the Chase Freedom Unlimited card:

If you're a family, the Blue Cash Preferred Card from American Express is a great option for earning cash back on everyday purchases. It earns 6% cash back on groceries, which is perfect for families with kids who need food and snacks.

The card also earns 6% back on select U.S. streaming subscriptions, which can be a great perk for families who subscribe to services like Netflix or Hulu. This can help you earn cash back on your entertainment expenses.

With the Blue Cash Preferred Card, you'll earn 3% back at U.S. gas stations and on transit, which can help offset the costs of road trips or daily commutes. This is especially helpful for families with multiple vehicles or who rely on public transportation.

The card's zero-interest intro APR of 0% for 12 months on purchases and balance transfers can be a lifesaver for families who need to make large purchases or pay off debt. Just be sure to pay off your balance before the intro APR expires.

The Blue Cash Preferred Card also comes with a welcome bonus of a $250 statement credit after you spend $3,000 in eligible purchases within the first six months. This can be a great way to earn some extra cash back to put towards family expenses.

The Discover It Gas & Restaurants card is a great option for those who frequently dine out or fill up their gas tank. It earns 5% cash back on restaurants and 5% cash back on gas stations on up to $1,000 in combined purchases each quarter, with no rotating categories to keep track of.

To maximize rewards, you can use this card for all your dining and gas purchases, and take advantage of the cash back bonus categories. For example, if you spend $1,000 on gas and $1,000 on dining in a quarter, you'll earn 10% cash back on those purchases.

The card also offers 1% cash back on all other purchases, making it a great option for everyday spending. With no annual fee and a 0% intro APR for 15 months on purchases and balance transfers, this card is a great choice for those who want to earn cash back without breaking the bank.

Here are the key details of the Discover It Gas & Restaurants card:

Overall, the Discover It Gas & Restaurants card is a solid choice for those who want to earn cash back on their everyday spending, with no annual fee and a 0% intro APR to boot.