If you're on the hunt for a credit card that offers consistent cash back rewards, look no further. We've rounded up our top picks for cards that provide ongoing cash back incentives, ensuring you earn money back on every purchase you make. From flat-rate options to cards tailored for specific spending categories, we've got you covered. In this article, we'll delve into the details of each card, highlighting their unique features and benefits. So, let's jump in and find the perfect cash back card for you!
The Wells Fargo Active Cash® Card
Our top choice for: Consistent cash back rewards — exceptional ongoing rate and incentives
When it comes to flat-rate cash-back cards, it's hard to find a better option than the Wells Fargo Active Cash® Card. It offers an impressive 2% cash back on all purchases without any limits, which is truly remarkable. Additionally, this card provides a generous sign-up bonus and an attractive 0% intro APR for both purchases and balance transfers. It's rare to find a card with all these appealing features and no annual fee. Discover more in our comprehensive review.
The Citi® Double Cash Card
Our top choice for: Consistent cash back rewards — high ongoing rate
Year after year, the Citi® Double Cash Card has consistently ranked among the best flat-rate cash-back cards. With this card, you'll earn 2% cash back on all purchases — 1% when you make a purchase and an additional 1% when you pay it off. Although it doesn't offer a 0% intro period or bonus categories, the high rewards rate more than compensates for these missing features. Explore our comprehensive review.
The PayPal Cashback Mastercard®
Our top choice for: Consistent cash back rewards — specifically for PayPal users
With the PayPal Cashback Mastercard®, you can earn an unlimited 3% cash back on purchases made through PayPal and 2% cash back on all other purchases. Having a PayPal account is a prerequisite for this card, but if you're considering it, chances are you already have one. Find out more in our in-depth review.
The Capital One Quicksilver Cash Rewards Credit Card
Our top choice for: Consistent cash back rewards — bonus offer and 0% period for purchases
Even amidst a crowded market, the Capital One Quicksilver Cash Rewards Credit Card remains a formidable player. It offers an enticing combination of attractive rewards rate, flexible redemption options, a sign-up bonus, and a convenient introductory 0% APR period. Learn more in our detailed review.
The Bank of America® Unlimited Cash Rewards credit card
Our top choice for: Consistent cash back rewards — bonus offer and incentives
As one of the many 1.5% flat-rate cash-back cards available, the Bank of America® Unlimited Cash Rewards credit card sets itself apart with a decent sign-up bonus, a generous introductory APR period, and the added potential to boost your earnings through Bank of America®'s Preferred Rewards program. Get all the details in our complete review.
The Alliant Cashback Visa® Signature Credit Card
Our top choice for: Consistent cash back rewards — higher rewards for bigger spenders
Created with big spenders in mind (although not the absolute biggest spenders), the Alliant Cashback Visa® Signature Credit Card offers the highest ongoing rewards rate among all flat-rate cash-back cards. However, it does come with an annual fee and has a limit on the amount of spending that qualifies for rewards. Nevertheless, if you plan to put more than $2,500 per month on a credit card, this is an exceptional choice. Read our detailed review.
The SoFi Credit Card
Our top choice for: Consistent cash back rewards — investors, savers, and borrowers
The SoFi Credit Card allows you to earn 2% cash back when you redeem your rewards in a SoFi Money, SoFi Invest, or SoFi Crypto account, or when you apply them to your outstanding balance on a SoFi loan. By opening a SoFi Money or SoFi Invest account, you can also take advantage of a bonus (subject to terms). Additionally, this card offers a way to lower your APR. Discover more in our in-depth review.
The Blue Cash Preferred® Card from American Express
Our top choice for: Additional rewards — groceries, gas, commuting, streaming
If your household spends a significant amount on groceries, gas, transit, and streaming services, the Blue Cash Preferred® Card from American Express is perfectly tailored for you. Its rewards in these categories, especially at U.S. supermarkets and select streaming services, are among the most generous you'll find. Although it comes with an annual fee, new cardholders can enjoy a fantastic welcome offer and an introductory 0% APR period. Read our detailed review.
The Blue Cash Everyday® Card from American Express
Our top choice for: Additional rewards — popular 3% categories with no annual fee
The Blue Cash Everyday® Card from American Express offers elevated rewards at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. While its rewards may not be as high as the Blue Cash Preferred® Card from American Express, it does not charge an annual fee. New cardholders can also take advantage of a decent welcome offer and an introductory 0% APR period. Learn more in our comprehensive review.
The Chase Freedom Unlimited®
Our top choice for: Additional rewards — 5%/3% categories with a high ongoing rate
The Chase Freedom Unlimited® was already an excellent card, offering 1.5% cash back on all purchases. However, it has now become even better with bonus rewards on travel bookings through Chase, as well as at restaurants and drugstores. On top of these benefits, new cardholders can enjoy a 0% introductory APR period and the opportunity to earn an attractive cash bonus. Find out more in our detailed review.
The S. Bank Shopper Cash Rewards™ Visa Signature® Card
Our top choice for: Additional rewards — high rate for big-box shoppers
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is specifically designed for consumers who frequently spend substantial amounts of money at retailers that are either excluded from or don't fit into other credit cards' bonus categories. This card also offers a higher-than-usual rewards rate on spending outside of its bonus categories. However, it does come with an annual fee. Read our detailed review.
The Capital One SavorOne Cash Rewards Credit Card
Our top choice for: Additional rewards — high rates on dining, grocery stores, and more
If you enjoy the nightlife but are averse to paying an annual fee, look no further than the Capital One SavorOne Cash Rewards Credit Card. Although its cash-back rate on dining and entertainment is slightly lower compared to the version with an annual fee, the rewards are still quite attractive. The sign-up bonus may not be as substantial, but it is still noteworthy. Discover more in our comprehensive review.
The Chase Freedom Flex℠
Our top choice for: Additional rewards — quarterly categories and a cash bonus
The Chase Freedom Flex℠ offers bonus cash back on quarterly categories that you activate, as well as on travel booked through Chase, at restaurants, and at drugstores. Although category activation can be a bit tedious, if your spending aligns with these categories (and for many people, it does), you can accumulate hundreds of dollars in rewards each year. Moreover, new cardholders can take advantage of an excellent bonus offer and a 0% intro APR period. Read our comprehensive review for more details.
The Discover it® Cash Back
Our top choice for: Bonus categories — quarterly categories with cash-back match
The Discover it® Cash Back provides bonus cash back in quarterly categories that you activate. In previous years, these categories have included common spending areas like grocery stores, restaurants, gas stations, and Amazon.com. While category activation may require some effort, if your spending aligns with these categories (which is usually the case for most households), you can earn significant rewards. Furthermore, the issuer's "cash-back match" bonus in your first year is an attractive perk. Explore our detailed review for more information.
The Citi Custom Cash℠ Card
Our top choice for: Customizable rewards — tailored 5% cash back based on your spending
The Citi Custom Cash℠ Card offers exceptional value without charging an annual fee. It automatically rewards you with 5% cash back in your top eligible spending category, up to $500 spent per billing cycle (1% cash back on other spending). The list of eligible 5% categories is diverse and includes popular categories such as restaurants and grocery stores. Unlike its competitors, this card does not have an activation schedule or bonus calendar to keep track of. Discover more in our comprehensive review.
The Bank of America® Customized Cash Rewards credit card
Our top choice for: Customizable rewards — adjustable 3% categories on a monthly basis
With the Bank of America® Customized Cash Rewards credit card, you have greater control over your credit card rewards. It allows you to choose one category from a list that includes gas stations, restaurants, travel, home improvement, and more to earn the highest cash-back rate. Additionally, you earn bonus rewards at grocery stores and supermarkets, along with a fantastic offer for new cardholders. Read our detailed review for more information.
The S. Bank Cash ® Visa Signature® Card
Our top choice for: Customizable rewards — broad selection of categories
For those willing to put in some effort to maximize their rewards, the U.S. Bank Cash ® Visa Signature® Card is an excellent choice. It offers the most customizable cash back options among any cash-back card. You can choose two 5% categories and one 2% category, and you have the flexibility to change these categories every quarter. As an added bonus, new cardholders can enjoy a generous sign-up offer. Explore our comprehensive review for more details.
In conclusion, when it comes to consistent cash back rewards, there are plenty of excellent options to choose from. Whether you prefer a flat-rate card or one with customizable rewards, there is a card out there that suits your needs and spending habits. From the impressive 2% cash back offered by the Wells Fargo Active Cash® Card to the generous bonus categories provided by the Discover it® Cash Back, these top choices offer exceptional value and benefits. Take the time to explore each card's features and rewards to find the one that best fits your financial goals. Start earning cash back today and make the most of your everyday purchases!
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