Cash Back Rewards

Every time you pay with a credit card, merchants pay banks an average 2% fee. Fortunately for you, banks compete with each other by offering you some of that fee back — as much as 1.5% every year! When looking at a rewards card, keep two facts in mind. First, the inital year is often more generous than the next. Second, certain cards are better tailored to your lifestyle than others. We've reviewed the fine print on dozens to recommend the best offers for you. 

Customize your cash back rewards offers:

I spend about $2000 a month.

I'm interested in: First Year Rewards Ongoing Rewards

I'm looking for a: Personal Card Small Business Card College Student Card

$0 bonus
2.60%cash back
$0 annual fee

$506

following years

($606 over first 12 months)


Lots of fine print
$100 bonus with $1000 spent
2.11%cash back
$75 annual fee

$485

following years

($510 over first 12 months)


Lots of fine print
$25 bonus
2.02%cash back
$0 annual fee

$480

following years

($530 over first 12 months)


Very Transparent
$50 bonus with $500 spent
2.00%cash back
$0 annual fee

$480

following years

($480 over first 12 months)


A little complex
$0 bonus
2.00%cash back
$0 annual fee

$479

following years

($628 over first 12 months)


Lots of fine print
$100 bonus with $1000 spent
2.00%cash back
$49 annual fee* (*waived first year)

$434

following years

($434 over first 12 months)


Lots of fine print
$0 bonus
1.81%cash back
$0 annual fee

$432

following years

($532 over first 12 months)


Very Transparent
$100 bonus with $500 spent
1.80%cash back
$0 annual fee

$420

following years

($420 over first 12 months)


A little complex
$0 bonus
1.75%cash back
$0 annual fee

$418

following years

($418 over first 12 months)

$399

following years

($599 over first 12 months)


Lots of fine print
$200 bonus with $500 spent
1.66%cash back
$0 annual fee

$386

following years

($436 over first 12 months)


Lots of fine print
$50 bonus with $1000 spent
1.61%cash back
$0 annual fee

$384

following years

($384 over first 12 months)


Very Transparent
$0 bonus
1.60%cash back
$0 annual fee

$384

following years

($384 over first 12 months)

$384

following years

($409 over first 12 months)


Lots of fine print
$25 bonus
1.60%cash back
$0 annual fee

$384

following years

($409 over first 12 months)


Lots of fine print
$25 bonus
1.60%cash back
$0 annual fee

$360

following years

($360 over first 12 months)

$360

following years

($460 over first 12 months)


A little complex
$100 bonus with $500 spent
1.50%cash back
$0 annual fee

$355

following years

($355 over first 12 months)


A little complex
$0 bonus
1.48%cash back
$0 annual fee

$353

following years

($363 over first 12 months)


Way Too Complex!
$10 bonus
1.47%cash back
$0 annual fee

$348

following years

($448 over first 12 months)


Lots of fine print
$100 bonus with $500 spent
1.45%cash back
$0 annual fee

$348

following years

($448 over first 12 months)


Lots of fine print
$100 bonus with $500 spent
1.45%cash back
$0 annual fee

$348

following years

($448 over first 12 months)


Lots of fine print
$100 bonus with $500 spent
1.45%cash back
$0 annual fee

$348

following years

($448 over first 12 months)


Lots of fine print
$100 bonus with $500 spent
1.45%cash back
$0 annual fee

$339

following years

($584 over first 12 months)


A little complex
$200 bonus with $3000 spent
1.41%cash back
$45 annual fee* (*waived first year)

$339

following years

($369 over first 12 months)

$337

following years

($337 over first 12 months)


Very Transparent
$0 bonus
1.41%cash back
$0 annual fee

$336

following years

($336 over first 12 months)

$336

following years

($336 over first 12 months)


A little complex
$0 bonus
1.40%cash back
$0 annual fee

$336

following years

($336 over first 12 months)

$336

following years

($361 over first 12 months)


Lots of fine print
$25 bonus
1.40%cash back
$0 annual fee

$336

following years

($336 over first 12 months)


Lots of fine print
$0 bonus
1.40%cash back
$0 annual fee

$335

following years

($435 over first 12 months)


Very Transparent
$100 bonus with $500 spent
1.40%cash back
$49 annual fee

$318

following years

($318 over first 12 months)


Lots of fine print
$0 bonus
1.33%cash back
$0 annual fee

$310

following years

($360 over first 12 months)

$310

following years

($360 over first 12 months)


A little complex
$50 bonus
1.29%cash back
$50 annual fee

$310

following years

($360 over first 12 months)

$310

following years

($360 over first 12 months)

$310

following years

($360 over first 12 months)

$310

following years

($360 over first 12 months)

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