Best cash-back credit cards
Cash-back cards keep it simple: the bonus is paid in real dollars, with no points valuations or transfer partners to think about. That makes them a great fit if you don’t want to optimize redemptions.
We rank these by the straight cash value of the welcome bonus. Watch the minimum spend and annual fee — a no-annual-fee cash card with a modest bonus is often the best starter card.
| # | Card | Bonus | Est. value | Min. spend | Annual fee |
|---|---|---|---|---|---|
| 1 | Chase Disney Premier Visa Card Chase | $400 cash back | ~$601 | $1,000 / 3mo | $49 |
| 2 | One Key+ Card Wells Fargo | $600 cash back | ~$501 | $3,000 / 3mo | $99 |
| 3 | Bruin Edge Visa Wescom Credit Union | $500 cash back | ~$500 | $2,500 / 3mo | None |
| 4 | Personal World Mastercard Fremont Bank | $500 cash back | ~$405 | $5,000 / 3mo | $95 |
| 5 | Customized Cash Rewards Bank of America | $375 cash back | ~$375 | — | None |
| 6 | Blue Cash Everyday American Express | $200 cash back | ~$350 | $2,000 / 6mo | None |
| 7 | Apple Card Goldman Sachs | $250 cash back | ~$325 | — | None |
| 8 | Schwab Investor Card from American Express American Express | $300 cash back | ~$300 | $1,000 / 3mo | None |
| 9 | Blue Cash Preferred Card American Express | $350 cash back | ~$255 | $3,000 / 6mo | $95 |
| 10 | Capital One Savor Cash Rewards Credit Card Capital One | $250 cash back | ~$250 | $500 / 3mo | None |
| 11 | AT&T Points Plus Card Citi | $250 cash back | ~$250 | $500 / 3mo | None |
| 12 | Cash+ U.S. Bank | $250 cash back | ~$250 | $1,000 / 3mo | None |
| 13 | Savor Rewards Capital One | $250 cash back | ~$250 | $500 / 3mo | None |
| 14 | US Bank Cash Plus Credit Card U.S. Bank | $250 cash back | ~$250 | $1,000 / 3mo | None |
| 15 | Cash Rewards Visa PNC | $250 cash back | ~$250 | $1,000 / 3mo | None |
Don’t apply blind — the biggest reason applications get denied is issuer eligibility rules. Check which of these you can actually get →
Other categories
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- Best no-annual-fee credit cards with sign-up bonuses
- Best first credit cards for churning (under 5/24)
- Best Chase credit card sign-up bonuses
- Best American Express credit card sign-up bonuses
- Best Citi credit card sign-up bonuses
- Best Capital One credit card sign-up bonuses
- Best Bank of America credit card sign-up bonuses
- Best Barclays credit card sign-up bonuses
- Best Wells Fargo credit card sign-up bonuses
- Best U.S. Bank credit card sign-up bonuses
Values are estimates based on our point valuations and current offers, which change frequently. See how we value rewards. Verify terms on the issuer’s site before applying.