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Best Cash Back Credit Card

Last update: Sep 2, 2014

best cash back credit card Cash back credit cards are the most flexible type of rewards credit cards because they allow you to earn rewards on all of your purchases and, most importantly, redeem these rewards for cash which can be used to purchase anything. In compiling the list of the best cash back credit cards (some of which originate from CardHub advertising partners), our editors tried to find products that met as many, if not all of the following criteria: 1% cash back on all purchases, higher earning rates for certain purchase categories and an initial cash back bonus.

Excellent Credit Best Cash Back Credit Card for Excellent Credit
Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver cash rewards credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: The newly-branded Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s rewards earning arsenal. Its 1.5% cmore
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Chase Freedom®

chase freedom credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1%
    • Max Earn: 5%
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Blue Cash Preferred® from American Express

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  • Annual Fee: $75
  • Rewards: Cash Back
    • Bonus: $150
    • Base Earn: 1%
    • Max Earn: 6%
  • Editor's Notes: The Blue Cash Preferred Card from Amex is one of the best everyday rewards cards on the market given its exceptional earning rates in important spendimore
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Citi® Dividend Platinum Select® Visa® Card

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  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1%
    • Max Earn: 5%
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Good Credit Best Cash Back Credit Card for Good Credit
Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver cash rewards credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: The newly-branded Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s rewards earning arsenal. Its 1.5% cmore
  • Learn More »
 
Chase Freedom®

chase freedom credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1%
    • Max Earn: 5%
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Fair Credit Best Cash Back Credit Card for Fair Credit
Capital One® QuicksilverOne® Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a stramore
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Limited History Best Cash Back Credit Card for Limited History
College Students
JourneySM Student Rewards from Capital One®

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  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 1.25%
  • Editor's Notes: Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards without charging an annual fee, it also promotes gmore
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Citi® Dividend® Card for College Students

citi visa credit card for college students Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 5%
  • Learn More »
Non-College Students
Capital One® QuicksilverOne® Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a stramore
  • Learn More »
Bad Credit Best Cash Back Credit Card for Bad Credit
Secured Card

Unfortunately, there are no cash back credit cards for people with bad credit. Below is the best secured credit card for people with bad credit.

Capital One® Secured Mastercard®

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  • Min Deposit: $49, $99, or $200
  • Annual Fee: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (V)
  • Editor's Notes: While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its class, the fact that it can be a partially-securemore
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Unsecured Card

Unfortunately, there are no cash back credit cards for people with bad credit. Below is the best unsecured credit card for people with bad credit.

Credit One Bank® Credit Card with Gas Rewards

credit one credit card Apply Now

  • Annual Fee: $35 - $99
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 17.90% - 23.90% (V)*
  • Learn More »
About our Editor's Picks

Our editors' recommendations for the Best Cash Back Credit Card are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your credit card. We work hard to present you with the most accurate credit card information, however, the credit card terms and conditions do not originate from us and thus we do not guarantee the accuracy of the information. Before applying for a credit card we recommend that you verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising status does not affect which cards show up on this page but may impact the order in which they appear. At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Ask our Experts
EXPERT’S ANSWERS

Why get the best cash back credit card and not the best travel rewards credit card?

By: Odysseas Papadimitriou In a word, flexibility. Though certain travel rewards credit cards might be more lucrative, the best cash back rewards credit cards simplify redemption and broaden rather than limit the possible uses of your earnings. In addition, cash back credit cards represent a lower risk because credit card companies cannot devalue what you have already earned, as they can with rewards miles or points. Whether you don't travel enough to warrant getting a travel rewards credit card or you merely value the simplicity of cash rewards, you can't go wrong with the best cash back card.

How often do the best cash back credit cards change?

By: John Kiernan The best cash back credit cards page changes whenever new deals that warrant inclusion are introduced. There is no specific timetable for this as credit card companies alter offers at their own discretion based on various economic trends. As a result, the best cash back credit cards for 2011 will likely differ from those for 2010.

Do the best cash back credit cards make rewards redemption easier?

By: Sonia Garrison Rewards redemption is very simple with all cash back credit cards. You earn rewards in terms of cash, which you receive in the form of checks or statement credits. There are no blackout dates, no risk of devaluation, no loopholes, no point benchmarks to reach, just a clear cash earning rate. The best cash back cards simply heighten the benefits provided by your typical cash back credit card.
COMMUNITY DISCUSSION

Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

 
August 12, 2014
Photo of Tyler S.
By: Tyler Swope
My ultimate favorite credit card is the Discover card. They provide rewards on a multitude of things such as food, gas, hotels, etc. Receiving your rewards is hassle free, and customer service with Discover could not get any better. Easy A++++
July 30, 2014
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By: Amy Munger
I've found that my favorite credit card is the Chase Freedom card. My credit in my early adulthood was not the best and this was not an issue for me with this card. It's given me a chance to rebuild my credit ratings. No annual fee, cash back, straightforward.
July 29, 2014
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By: Richard Schmitt
There is no better cash back card than the Discover IT card. Discover is wonderful with regards to customer service, and when it comes to cash back, they really take care of you. Every quarter, a new category of purchases is chosen for 5% cash back on all charges in that category. Discover sticks with common purchase categories to keep everyone happy - one quarter it's gasoline, then it could be restaurants, movies and entertainment, etc. By timing purchases correctly it's easy to make a few hundred dollars cash back in a year with this card!
July 21, 2014
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By: Kevin Roehner
My favorite cash back card is the Discover Card. They always rotate through the segments that pay extra dividends. During those months you can really rake up the dividends on such things as food, gas, hotels, dining out etc. I have never had any issues cashing out or spending the dividends on premiere partners for an even larger benefit.
July 21, 2014
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By: Bill Fakerson
Chase Freedom is my favorite cash back card, offering 1% on all purchases and 5% in rotating categories. I like it much better than the Discover It card, since many places do not take Discover. Its especially great when the rotating category is gas, as I have a long commute to work and 5% cash back on gas is a lot of free money. You also do not need fantastic credit to get it, as I have average credit and was still accepted.
July 12, 2014
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By: Michelle Sexton
The best cash back card is the PNC rewards platinum card. I've used this card for the past two years and I love it. They have a rewards website where you can browse a variety of different cards and points rack up fast! You receive four points for every $1.00 you spend. One thing I like about this card is you can set up automatic check payments, so payments for rent and other things like that are helping me rack up my points. It has always been very easy to use and I've received great customer service with this card.
July 11, 2014
Photo of Brandon L.
By: Brandon Lai
The Discover It card is the best cash back card. It offers 5% cash back in rotating categories every quarter, but most importantly, these are categories that everyone uses.. gas, groceries, restaurants. And when redeeming cash back for gift cards, the redemption values are even better. For example, a $25 gift card could be had for only $20 in cash back. Also, during major holidays, like Valentine's and Christmas, Discover always has special additional cash back promotions online on top of the already generous Shop Discover. For example, during Christmas when buying from a merchant online through Shop Discover, Discover usually gives 5% cash back on top of the everyday cash back offer (never lower than 5%). So it's not too hard to be getting 10% or 15% cash back at retailers that are very popular, such as Macy's.
July 1, 2014
Photo of Cody D.
By: Cody Donahue
I've had the American Express TrueEarnings card for a year now and it's the best credit card I've ever had. I'm sure I'll stick with it for the long run. There's no annual fee with Costco membership (and up to two cards per one membership), and was very easy for me to qualify for with a short credit history and low income. I get 3% back at gas stations, 2% back on restaurants and travel, and 1% back on everything else. Since there's no quarterly categories and the best rewards are on what I'm buying anyway, I never feel obligated to buy something just for the allure of the cash back. You get the reward a year at Costco, but they give you the money in cash and don't require you to buy anything. Personally, that's a perk of the card; I get to save up my cash back all year and get a nice lump sum in February.
July 1, 2014
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By: Don Pie
I have had the Chase Freedom card for a couple years now. Overall, I really like it. Enrollment is very simple. It is also very easy to track and redeem rewards points. You can view your rewards balance at any time by logging on to chase.com
June 26, 2014
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By: Stephanie Hayes
I like the Journey Rewards Card by Capital One. It is great because there are no annual fee. Plus you get cash back for spending and for making on time payments online.
June 21, 2014
Photo of Walter G.
By: Walter Gebhard
My choice of cash back credit card is the Discover It card. It offers 1 percent cash back on all purchases, with an outstanding 5 percent cash back on purchases in quarterly rotating categories, such as gas, online retailers, entertainment venues, and department stores. If that wasn’t enough, the card features no annual fee. Discover It also offers no penalty APR and forgives the first late payment, and notifies customers monthly of their FICO credit scores.
June 20, 2014
Photo of John R.
By: John Richard
The Capital One Quicksilver Cash Rewards Credit Card is the best because it has no annual fees, which means as long as you pay your balance on time, you will receive all of the benefits of the rewards program without any of the hassles. Essentially it's free money for banking with Capital One. On a personal note, I've had largely positive experiences with Capital One. The main downside is to get this card, you require good or excellent credit.
June 9, 2014
Photo of Ann W.
By: Ann Warren
The Discover It card is my favorite. You don't need to have much of a credit history. The credit line starts out modestly if you don't have much of a credit history, but rises pretty quickly every year. There aren't any annual fees, either. My favorite is the cash back bonus, though. I can get 1% off pretty much everything, and 1/2 the year I can get 5% back on gas. Shopping on sites through their website, can get up to 20% back. It's surprising how quickly it adds up.
June 9, 2014
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By: Rich Marshall
The best card, for anyone who likes to travel, is the Barclaycard Arrival. While the cashback on every day purchases is a meager 1%, equal to the most average of cards, the cashback rate on travel redemptions is a massive 2.2%. Should you use your points to erase any travel purchase on your bill, including agents such as Expedia and Travelocity, you get 2% and you will receive 10% of your used points back as a bonus, bring the total to 2.2% cashback on all purchases. If you travel often, this card is a must-- and the $440 sign up bonus currently going on makes this a non brainer. There is a fee, waived for the first year, but the signup bonus alone pays for that for the first half decade.
May 27, 2014
Photo of Linja E.
By: Linja Ewok
The best credit card for me is Chase Freedom. I have been using it for the past 2 years with no problems at all! I love getting 5% cash back on select categories every quarter; especially when it's the restaurant and gas quarter. The constant 1% is also welcome. I use my cashback just to credit my balance each time and it works out great. Who can say no to free money? I am not concerned about the APR since I pay my balance off each month.
May 27, 2014
Photo of Matt W.
By: Matt Wells
I think the best card in the list is Chase Freedom due largely to the $100 reward after spending $500 in the first three months. Getting 20% back on $500 is nice. Also, the 5% cash back categories seem to be solid and useful. While some cards have a flat 2% back on all things, I'd rather have 5% back on things I use regularly. The aggregate cash back will most likely be more than the 2% flat rate.
May 26, 2014
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By: Yolanda Johnson
The best card for me would have to be Chase Freedom card, because you can get cash back!!! It helps people like me that like something free back when they buy something. The Chase Freedom card offers $100 when you spend $500 in 3 months, you can get 5% cash back when you spend $1500 on certain items, earn 1% on anything else you buy during the quarter, earn 10% for having a checking account, no annual fees, and they added a 5% cash back for every 3 months on things you buy and need anyway like at gas stations, restaurants, and my favorite company Amazon.com. I received this card while I was in college and it was very easy to gain the extra $100 and the other percentages with this card.
May 5, 2014
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By: Rich Marshall
There really shouldn't be any debate as to what the best cash back credit card is-- the Fidelity Investments American Express card gives you a a flat 2% cash back on every purchase. The only catch with this card is that the cash back bonus is deposited directly into your Fidelity account... which isn't a problem as the Fidelity account requires no minimum balance and there is no requirement that you leave the money in that account for any length of time. You can simply use your card as normal, collect your 2% cash back on all purchases, and move the money from your Fidelity account to your account of choice once earned. Really, where else will you receive that much back on all purchases without having to worry about categories?
April 30, 2014
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By: Alex Brokaw
I have a Citi Dividend Card. It offers 1% cash on all purchases made throughout the year. In addition, it offers 5% cash back every quarter on different purchases. For example, this quarter is spring themed, purchases at home improvement stores, gardening stores, etc are the focus. I feel like the quarterly bonuses are relevant to customers. I also like looking forward to something new each quarter. I also like that there are no annual or hidden fees with this card. I have never had a negative experience with customer service and I always know what to expect when I see my bill. The card offers a 0% APR for the first 12 months and is reasonable after that depending on your credit score. Overall, I have been very pleased with this card.
April 29, 2014
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By: Cee Jay
I have the Bank of America Cash Rewards credit card. I've had it for about a year now. When I applied for the credit card I was told I'd receive 3% back for gas, 2% for groceries! and 1% for other items purchased. I was excited to hear those great perks I would get for using my credit card. Since I use my credit card for mainly those items, it's amazing to get money back while spending money! I have a few credit cards, and this is the first card I actually like using. I have received $25 back three times which i just transfer over to my checking account and spend like cash. Best credit card I've ever had!!
April 29, 2014
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By: Amanda Taylor
I love the Southwest Rapid Rewards card. I cashed in on the initial reward amount (although I think the terms for that were different when I got the card 2 years ago), and I got enough points for around 3 roundtrip flights (they were semi-nearby). In the time I've had this card, I've earned 3 more roundtrip flights, and a number of reward coupons in the mail (more snacks, more drinks, discounts). The interest rate isn't a problem, because I pay in full at the end of each month (most of the time). Overall, a great card if you love traveling or if you'd be traveling anyway.
April 28, 2014
Photo of Arun S.
By: Arun Sarda
I have been using the chase freedom card for over 3 years now and love it. There are great offers from chase to apply for the card , like 100 USD cash back if we spend 500 in 3 months or 200 USD cash back if we spend 1000 in 3 months. So that helps kick start the earning on your spending. Plus the 5% bonus categories are well thought through ( gas stations , theme parks in summer , online shopping during thanksgiving etc ). I highly recommend this card given the benefits. Plus there are various other offers like 0 percent APR for the first 12 or 15 months.
April 25, 2014
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By: Frank Sinclair
I love the Chase Freedom Card. You get a 5% cash back reward on purchases of $1,500 or more, so this is a great card to use if you’re planning on making a major buy - like a computer or a flat screen TV - in the relatively near future. Depending on how much you use the card, you might just get enough in rewards to take care of most, if not all of the costs. This is rated as one of the best cash back cards you can get, so I highly recommend. In addition, if you’ve got a couple of recent dings on your credit report that are holding your FICO score below 700, depending on what they are, you still have a decent chance of getting this card, which can help you build your credit back up, and get rewarded for doing it.
April 15, 2014
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By: Jay See
I have been a long time Chase customer and their Chase Freedom card does not disappoint. It is currently the only card I use and I highly recommend it. The initial bonus of $100 after spending $500 in the first 3 months sealed the deal for me. If you plan to make big purchases soon, get this card! That’s just one of the many rewards that make using this card great.
April 7, 2014
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By: Howl Carnage
The Capital One Quicksilver CC has been my go-to credit card for the past year or so that I've had it in my possession. It's my favorite card to use when I'm not spending money on gas or groceries, as its CB rate is much higher than the measly 1% I get from my other CC's. It's also super easy to redeem my accumulated CB! I'm free to do it at anytime I want, which is awesome when compared to other banks who make you wait until you've attained X amount of CB before you can redeem.
April 7, 2014
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By: Stephen Mcmadu
I would say the best in this group is the chase freedom in my own opinion, it gives a 5% cash back on purchases for a time frame on select purchases like gas, starbucks and other restaurants and some other stores. It also gives an initial $200 dollar bonus cash back. This $200 and the fact that there is no annual fee makes this a prime choice for me.
April 1, 2014
Photo of Melissa L.
By: Melissa Lapila
The Chase Freedom card is by far the best credit card out there. The 5% cash back categories rotate every 3 months making it a bit tedious to chase around but the low interest rate of 2.5% really makes up for it. I use it to pay our kids college tuition so the standard 1% really adds up. They give you the option of paying yourself back or getting gift cards. I chose the gift card option for one year and had enough to purchase a new washer !!!!! Things like this are such a huge bonus ! They are also top notch in fraud alerts ... I get updates to my phone when something seems off and I can easily respond to tell them " yes it's me " or OH NO .... Their customer service seems to be based in the US as everyone I have spoken to speaks and understands my needs and solves them quickly ! There is no frustration when dealing with them and with a busy schedule it is greatly appreciated !
April 1, 2014
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By: David Price
I have the Capital One Quicksilver 1.5% cash back card and I love it. I much prefer this card over other cards that offer greater than 1% cash back because the Quicksilver card is a VISA card that is almost accepted everywhere. Although an extra 0.5% may not seem like much, it can be very useful when making large purchases or payments that don't fit into traditional categories. As an example, I used this card to pay for my child's college tuition and was able to get a large amount of cash back.
March 25, 2014
Photo of Musty B.
By: Musty Briches
A card I didn't see here was the Discover it card. The it card is very easy to apply for, even with not so great credit. Instead of being stuck in certain categories for the first entry period (eg, 3% back on gas) you get 1 % on all purchases and then you can get 5% back on categories that rotate every 3 months. The best part is it isn't one category per month to earn the bonus, there a three or four per month. If you regularly use a credit card to make purchases these points add up rather quickly. Since applying I barely use any of my other cards because they don't save me as much money as this one.
March 21, 2014
Photo of Bryan L.
By: Bryan Lam
Chase Freedom is indeed the best card, that's why it has one of the highest. The initial bonus you get from signing up is $100 after making $500 in purchases of course, but it is easily done if you buy a laptop. For me I was a college student getting my first credit card, this option was definitely the best one. It has one of the lowest interest rates. Everything you purchase you get at least 1% back up to a total of 5%, depending on the category of products you are purchasing such as gas, restaurants, as well as Amazon.com. This is the best card in its category and I plan to keep this card for a while.
March 21, 2014
Photo of Ramy E.
By: Ramy Eskander
Chase Freedom is the best cash back credit card I have ever had. The basic cash back is 1% which is less than the cash back of other cards such as Capital One Quicksilver. However, Chase Freedom provides an additional 5% cash back on selected items. The categories of these items change quarterly. The most important items are gas-station payments, restaurants and Amazon purchases. Chase Freedom also provides a one-time cash back after a specific time of issuing the card. The amount of this one-time cash back changes from time to time, but it is at least 100 dollars. To conclude, Chase Freedom is the best in its category as it provides an unbeatable cash back with no annual fees.
March 12, 2014
Photo of Andy F.
By: Andy Flory
I would highly recommend the Capital One Quick Silver for those who have a qualifying credit score (I know, it can be tough to get accepted). My experience with other cards with higher max earning amount is that they typically require you to meet some outlandish spending qualifications to reach the high reward rates (3, 4, or even 5%). Though these high cash back rates ARE nice, I prefer that the Quicksilver is locked in at a good (albeit not incredible) 1.5%, and you won't be forced to complete special offers or god knows what to increase your rate. So if you want to know what you're getting and have nice credit, the Quicksilver is the way to go in my book.
March 12, 2014
Photo of Mel W.
By: Mel Wa
American Express Blue is hands down one of the best Credit Cards out there. First of all, they are 100% annual fee free. You will not pay any expenses associated with this card, unless it has to do with interest or ATM withdrawals. Customer Service is great. They are open 24/7. They are quick to respond and take action. One time, I had rented a car using the American Express Blue. The car rental company charged me $200 extra for scratching the bumper of the car. I felt that it was not serious. I called Amex, and they took care of it. My $200 was refunded!! American express blue is also very safe. When or if your card is stolen or used, they will contact you, and cancel your card. You will be Fedex'd a new card the next day on their behalf!! Also, you are 100% not responsible for charges that you did not make. American Express Blue, also offers points back and they can be used for gifts, electronics, etc or towards your bill. Do not forget to use your AMEX card on the last saturday in October, for a free $25 credit towards any small local business you use your card at (Amex Small Business Saturday). American express blue is simply one of the best cards out there. The AMEX name says it all.
March 12, 2014
Photo of Dan H.
By: Dan Harrison
Without a doubt, the best credit card I've ever used for cash back rewards is the Citi Forward (Visa). On the surface it may not seem too remarkable: 1 point for every $1 you spend. However, Visa offers a number of extra rewards points when buying in certain categories (dining, book stores) and paying your bill online every month. Those thankyou rewards points can then be used to purchase a wide variety of giftcards. In my 4 years of using my Visa, I've gotten hundreds and hundreds of dollars in giftcards just for using my credit card! It really is that easy!
February 28, 2014
Photo of Jennifer S.
By: Jennifer Solis
The Capital One Quicksilver Cash Rewards Credit Card is the best credit card for cash back. Not only do you get $100 after you spend $500 within the first three months, but you can also earn 1.5% cash back on every single purchase. They also always have 0% intro APR on purchases AND balance transfer for those of you who like to transfer balances every year. My favorite part has got to be the fact that they do not have an annual fee if you have good credit, even if you don't, your rewards will cover you. What is the point of cash back if you are paying an annual fee and not getting enough to cover it? Capital One may not have a brick and mortar location, but do you really need one for a credit card? No. This is the best cash back card. You should sign up now.
February 28, 2014
Photo of Aaron C.
By: Aaron Chavez
Being a college senior entering a Master of Science program in the next calendar year, the ability to earn cash back on regular expenditures required for living is very advantageous. The card best suited to my needs and in my qualification bracket is the Chase Freedom card. It also works out as the best card in the Cash Back genre as far as versatility. I base this on ease of use, likelihood of acceptance at a business, and most readily approving of an average person with good to excellent credit. For the average college student, a 1% Cash Back on all purchases is extremely generous when every bit of financial assistance is necessary. Also, the ability to earn $100 cash back upon purchasing $500 within three month of opening your account is an easy financial milestone what with necessary book purchases, transportation costs, etc.
February 28, 2014
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By: Oprah Noodlemantra
I adore my Chase Freedom card. My favourite thing about it is not just that you get a base cash back percentage on everything, but that every few months they cycle through and put up a handful of things you get an increased cash back percentage on. Gas percentage increase is one of my favourites. I'm always looking forward to it and the dining ones. Dining out and gas purchases can both be very painful, but with the Chase Freedom card they don't have to be.
February 28, 2014
Photo of Bryan M.
By: Bryan McWethy
My favorite cash back card is by far the Chase Freedom card. First off, you receive $100 cash back for a mere $500 in spending over the course of the first 3 months you own the card, which is very easy to accomplish. Additionally, there's no annual fee which I value a lot seeing as I have a low income. There's no cap on the earnings either, so I use my Chase Freedom card for everything, as a way to get additional cash back. It's a nice incentive to use their card. There are different cash back programs throughout the year as well, such as earning more money back on gas in the winter time, which can definitely be beneficial and may lead me to use certain services more.
February 19, 2014
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By: Justin Lachesky
The PNC Cashbuilder Visa is my go-to cashback card. With a PNC Virtual Wallet account, the cashback starts at 1.5% (with a qualifying balance or direct deposit) and tops out at 1.75% depending on monthly spending. Plus, with the Virtual Wallet integration, it's easy to see and redeem rewards.
February 19, 2014
Photo of Aaron M.
By: Aaron Munsell
I'm a poor college student, and Cash Back cards are the only way to go. Capital One Quicksilver is the best one to get. You have different tiers of credit that allow you to get the card no matter how bad your credit is. Plus you get a signing bonus if your credit is fine, or if it's your first credit card, like me.
February 25, 2014
Photo of Justin P.
Justin Parker
I agree completely. Cashing in bonus points on my Capital One card, which I used for gas and food purchases, was the only way I had money to buy anything for myself in college. Everything else went to pay for basic living expenses. The Capital One cards allow you to spend responsibly and build credit, while also giving you a little bonus so you can buy something nice for yourself eventually.