Our Best Cash Back Credit Cards List for 2017

I carry many types of credit cards in my wallet. I have several travel rewards credit cards for when I need to book a flight or rent a car. And I use one balance transfer credit card that I got to make a large transfer a few years ago. And I also have a few cash back credit cards that I use for just about everything else.

To say that I know my way around a cash back rewards program would be an understatement. Which is why I wanted to put together a list of the best cash back cards I’ve come across in my rewards-earning ventures.

You can find the best cash back credit cards listed below. They come from a variety of issuers. They also include a variety of cash back rates and other perks.

These perks make each card somewhat unique. So you need to consider them when deciding which one is right for you. I use a combination of half of the cards on this list — and I rack up hundreds of dollars in annual cash back savings!

Whether you’re a big spender or a casual spender, it’s financially responsible to own at least one of the cards on this list. (After seeing how much I got back last year, I would even argue more than one.)

The Best Cash Back Credit Cards

Citi® Double Cash Card – 18 month BT offer – The Citi® Double Cash Card offers 1% cash back on every purchase and another 1% cash back when you pay your monthly credit card bill. Add it up, and you’ll earn 2% cash back on every purchase.

It also includes a 0% intro APR on balance transfers for 18 months (no intro offer on purchases). The standard APR after the intro period expires is 14.49% variable to 24.49% variable.

There is no annual fee to own the Citi® Double Cash Card.

  • Biggest PRO: 2% cash back on all purchases, the highest rate on this list
  • Biggest CON: No 0% intro APR on purchases
  • Includes free access to your FICO® score

Chase Freedom Unlimited – The Chase Freedom Unlimited opens up with a $150 cash back bonus after you spend $500 in purchases during the first three months of account ownership.  The everyday cashback rate is 1.5% on all purchases. It has no categories or tier levels to worry about.

New cardholders will earn a 0% intro APR on both purchases and balance transfers for the first 15 months. Then a 15.74% – 24.49% variable interest rate kicks in.

There’s also no annual fee for the Chase Freedom Unlimited.

  • Biggest PRO: 0% intro APR on purchases and balance transfers for 15 full months
  • Biggest CON: A high ongoing APR after the intro rate expires
  • Includes free access to your FICO® score

Blue Cash Preferred® Card from American ExpressThis is the card I seem to use most often. The Blue Cash Preferred® Card from American Express includes a $150 statement credit after you spend $1,000 in the first three months of card ownership. This card offers a tiered cashback level: earn 6% cash back on groceries ($6,000 max spent annually), 3% cash back at gas stations and department stores, and 1% cash back on everything else.

The Blue Cash Preferred® Card from American Express also has a 0% intro APR on purchases and balance transfers for 12 months. It offers a standard variable APR of 13.99% – 24.99%.

Unfortunately, for the higher cash back rate, there is a $95 annual fee (which is not even waived for year one)

  • Biggest PRO: 6% cash back at the grocery store
  • Biggest CON: $95 annual fee
  • Includes free access to your FICO® score

Capital One® Quicksilver® Cash Rewards Credit Card – The Capital One® Quicksilver® Cash Rewards Credit Card provides a $150 cash back bonus after you spend $500 in the first 90 days of opening an account.

The everyday cashback rate is 1.5%. IIt applies to all purchases without tier levels or spending limits. All cardholders will receive a 0% intro APR on purchases and balance transfers for 9 months. Then the APR reverts to the standard 13.99% – 23.99% variable. If you transfer a balance, the fee is 3%.

There is no annual fee to own the Capital One® Quicksilver® Cash Rewards Credit Card.

  • Biggest PRO: An added perk of 50% cashback savings on your monthly Spotify premium (expires April 2018)
  • Biggest CON: 1.5% cash back is one of the lower rates on our list
  • Includes free access to your FICO® score

Blue Cash Everyday® Card from American Express – The baby brother of the card above, the Blue Cash Everyday® Card from American Express is the no-fee version with a slightly reduced rewards program.

Cardholders will earn a $100 cash bonus after spending $1,000 in purchases during the first three months. You’ll earn 3% cash back at the grocery store (up to $6,000 spent annually), 2% cash back at gas stations and select department stores, and 1% cash back everywhere else.

Cardholders also receive a 0% intro APR for 12 months on purchases and balance transfers. The ongoing APR is 13.99% – 24.99% variable. As mentioned, there is no annual fee for this version.

  • Biggest PRO: 3% cash back at the grocery store
  • Biggest CON: Low 1% cashback rate on most everyday purchases
  • Includes free access to your FICO® score

Barclaycard CashForward™ World Mastercard® – Earn a $200 cash rewards after you spend $1,000 in 90 days, if you’re approved for the Barclaycard CashForward™ World Mastercard®.

The everyday cashback rate is 1.5%, and there’s a 5% redemption bonus. This means the effective everyday cashback rate is actually 1.575%. There is a 0% intro APR on purchases and balance transfers for 15 months. After that, the variable APR becomes 15.74% – 25.74%.

The Barclaycard CashForward™ World Mastercard® has no annual fee.

  • Biggest PRO: $200 up front cash bonus
  • Biggest CON: $50 minimum for redeeming cashback
  • Includes free access to your FICO® score

Discover it® – Cashback Match™ – The title says it all.

Discover it® – Cashback Match™ will match the cashback you earn for the first full year of card ownership. The regular cashback rate is 1% on all purchases with 5% cashback on select categories every quarter (like gas, restaurants, and Amazon.com). This means that for the first year, your effective cashback rate will be 2% and 10%.

The card includes a 0% intro APR on purchases and balance transfers for 14 months. Then the standard APR is 11.74% – 23.74%, variable.

The Discover it® – Cashback Match™ does not have an annual fee.

  • Biggest PRO: Up to 10% cash back for the first year
  • Biggest CON: 1% cash back on most purchases beyond year one, the lowest on our list
  • Includes free access to your FICO® score

Wells Fargo Cash Wise Visa® Card – Wells Fargo is kind enough to give all new cardholders of the Wells Fargo Cash Wise Visa® Card a $200 cash bonus after spending $1,000 in the first three months.

Cardmembers will earn a flat 1.5% cash back on every purchase. You’ll earn an extra 20% bonus cash back on purchases made with Apple Pay or Android Pay in the first 12 months of account opening.

There is a 0% intro APR on purchases and balance transfers for 12 months. After that, the variable APR is 13.99% – 25.99%. As a nice little bonus, cardholders also receive up to $600 protection on their cell phones ($25 deductible).

The card carries no annual fee.

  • Biggest PRO: $200 up front cash bonus
  • Biggest CON: A potential 25.99% interest rate is highest on our list
  • Includes free access to your FICO® score

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