The Best Cash Back Credit Cards of 2019

We’ve analyzed dozens of cash rewards cards to create this list of the best cash back credit cards. These offers include cash back of up to 6%, double cash back rewards, and cards with cash back bonuses.

best cash back credit cards 2019

Best Cash Back Credit Cards

  1. Chase Freedom
  2. Wells Fargo Cash Wise Visa® Card
  3. Capital One® Quicksilver® Cash Rewards Credit Card
  4. Blue Cash Preferred® Card from American Express
  5. Blue Cash Everyday® Card from American Express
  6. Bank of America® Cash Rewards credit card – $200 Cash Rewards Offer
  7. Chase Freedom Unlimited

Cash back credit cards are one of the best ways to put extra money in your pocket. With the top cash rewards giving you 2% or more on every purchase, and many offering bonus cash for new card members, the time is never been better to get a credit card that pays you to use the card. With some of the best cash back credit cards, you can even get 0% on purchases or balance transfers.

As the offers continue to improve, cash back credit cards are becoming more lucrative and currently, there are close to a dozen solid cash back credit card offers. Should you find a card you feel belongs on this list, let us know, and we’ll add it!

1. Chase Freedom

1% cash back on all purchases + 5% cash back on rotating categories every quarter and a $150 cash bonus.

The Chase Freedom is a credit card I’ve had in my wallet for a long time.  The 5% cash back categories are always in line with my spending and the upfront bonus makes this a very attractive card for first-time credit card holders.

  • Bonus: New cardmembers will earn a $150 cash bonus after spending $500 in purchases during the first three months.
  • Cash Back Rewards: 1% cash back on all purchases + 5% cash back on purchases from select categories every quarter.  $1,500 is the max that can be spent per quarter on 5% cash back categories (after which, 1% cash back is earned)
  • Fees: Nope.  No annual fee on the Chase Freedom.
  • Credit Needed: Good/Excellent credit.
  • Introductory APR: 0% intro APR on balance transfers for the first 15 months. After that, the standard APR is 16.74% – 25.49% variable

Bottom Line: One of my favorite cash back credit cards that I always seem to use a little too much around the holidays. 

2. Wells Fargo Cash Wise Visa® Card

Earn 1.5% on every purchase + $150 cash bonus

The Wells Fargo Cash Wise Visa® Card is an excellent choice for an everyday credit card. Here’s a summary:

  • Earn unlimited 1.5% cash rewards on purchases
  • $150 cash rewards bonus after spending $500 in the first three months
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • No annual fee

In addition, it offers a 0% APR introductory offer on both balance transfers and purchases for 15 months.

Bottom Line: A good all-purpose card with excellent cash back rewards, a cash bonus, and a nice 0% intro APR for 15 months.

Learn how to apply here.

3. Capital One® Quicksilver® Cash Rewards Credit Card

Earn 1.5% cash back on all purchases + a one-time cash bonus. No annual fee

Learn More

The Capital One® Quicksilver® Cash Rewards Credit Card pays a solid 1.5% cash back on all purchases. The card also offers a one-time $150 bonus and a 0% APR introductory offer on purchases and balance transfers for 15 months, with no annual fee.

  • Bonus: $150 one-time bonus when you spend $500 in purchases in the first three months.
  • Cash Back Rewards: Earn 1.5% cash back on all purchases.
  • Fees: No annual fee.  No foreign transaction fees.
  • Credit Needed: Excellent credit required.
  • Introductory APR: 0% introductory APR on both purchases and balance transfers for 15 months

Bottom Line: An excellent choice if you do not want to hassle with rotating categories and you have excellent credit.

Learn how to apply for this and similar cards here

4. Blue Cash Preferred® Card from American Express

Earn up to 6% cash back + a $250 statement credit

Learn More

The Blue Cash Preferred® Card from American Express offers one of the highest cash back rewards available of up to 6% and a new applicant welcome bonus. There is a $95 annual fee.

  • Welcome offer: Get a $250 statement credit after you spend $1,000 in purchases on your new card in your first 3 months. You will receive $200 back in the form of a statement credit.
  • Cash Back Rewards: Earn cash back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% at U.S. gas stations, 1% other purchases.  They’ve also added a few new bonus categories; 6% cash back on select US streaming services (like Netflix, Hulu and others) and 3% cash back on ground transportation.
  • Annual Fee: $95
  • Credit Needed: Excellent credit required.
  • Introductory APR: 0% intro APR on purchases and balance transfers for 12 months, then a variable rate.

Bottom Line: An excellent cash back card that is well worth the annual fee.

Learn how to apply here.

5. Blue Cash Everyday® Card from American Express

Earn up to 3% cash back + a $150 statement credit

blue cash everyday reviewLearn More

The Blue Cash Everyday® Card from American Express  is ideal for those who hate paying an annual fee. You get a great cash back rewards card, a bonus offer, and a lengthy 0% introductory rate.

  • Welcome offer: Get a $150 statement credit after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Cash Back Rewards: Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% at U.S. gas stations and select U.S. department stores and 1% on all other purchases. Terms and limitations apply.
  • Annual Fee: None
  • Credit Needed: Excellent credit required.
  • Introductory APR: 0% intro APR on purchases and balance transfers for 15 months, then a variable rate.

Bottom Line: An excellent cash back card that is well worth the annual fee.

6. Bank of America® Cash Rewards credit card – $200 Cash Rewards Offer

$200 bonus + 3% cash back in the category of your choice + 2% cash back at grocery stores and wholesale clubs + 1% cash back on all other purchases ($2,500 max combined spend in 3% + 2% categories each quarter)

Learn More

The Bank of America® Cash Rewards credit card offers you a $200 signup bonus and great bonus cash back.

  • Bonus: A $200 cash bonus is awarded after spending $1,000 in the first 90 days of card ownership.
  • Cash Back Rewards: 3% cash back in a category you choose, including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You also get 2% at grocery stores and wholesale clubs (on up to $2,500 spent per quarter in both 3% and 2% categories combined) and 1% elsewhere.
  • Fees: No annual fee.
  • Credit Needed: Good/Excellent
  • Introductory APR: 0% intro APR on purchases and balance transfers for the first 15 billing cycles. After that, the standard APR is 15.74% – 25.74% Variable.  Balance transfers must be made within the first 60 days to qualify for the intro rate.

Bottom Line: This cash rewards card is great because you get to choose the category that will earn you the most bonus cash back. It also offers a strong $200 sign-up bonus and valuable 0% intro APR for 15 billing cycles.

Apply here or read our full Bank of America® Cash Rewards credit card Review

7. Chase Freedom Unlimited

1.5% cash back on all purchases + $150 cash back after spending $500 in the first three months

One of the newer cash back credit cards available, the Chase Freedom Unlimited scraps the 5% cash back categories and offers 1.5% cash back on all purchases, all the time.

  • Bonus: Earn $150 cash back after spending $500 in the first three months.  Available to new cardholders only.
  • Cash Back Rewards: Cardmembers earn 1.5% cash back on all purchases.  No tiers, spending limits or hurdles.  Cashback never expires and there is no limit to the amount of cash back that can be earned.
  • Fees: There is no annual fee attached to the Chase Freedom Unlimited.
  • Credit Needed: Excellent credit required.
  • Introductory APR: 0% intro APR on purchases and balance transfers for 15 months, then a variable rate of 16.74% – 25.49%.

Bottom Line: For people not interested in using different cards for different types of purchases, the Chase Freedom Unlimited is a great option.


Listen to the podcast of this article

Cash Back Spending Comparison Table

If you’re having trouble picking the best cash back credit card for your needs, perhaps a few nifty tables will help. I’ve taken three sets of data from the most recent 2016 Bureau of Labor Statistics survey; all representing what the average household spent:

  • at the grocery store – $4,049
  • at restaurants – $3,154
  • on gasoline – $1,909

Let’s take a look at the six consumer cards on our best cash back credit card list and figure out what each of them would save if you spent the exact amount annually you see above.

Cash Back on Grocery Spending

Card Name
Cash Back % on Groceries
Annual Cash Back on Groceries
Blue Cash Preferred® Card from American Express
6%
$242.94
Fidelity® Rewards Visa Signature® card
2%
$80.98
Barclaycard CashForward™ World MasterCard®
1.575%
$63.77
Capital One® Quicksilver®Cash Rewards Credit Card
1.5%
$60.74
Wells Fargo Cash Wise Visa® Card
1.5%
$60.74

Cash Back on Restaurant Spending

Card Name
Cash Back % at Restaurants
Annual Cash Back at Groceries
Fidelity® Rewards Visa Signature® card
2%
$63.08
Barclaycard CashForward™ World MasterCard®
1.575%
$49.68
Capital One® Quicksilver®Cash Rewards Credit Card
1.5%
$47.31
Wells Fargo Cash Wise Visa® Card
1.5%
$47.31
Blue Cash Preferred® Card from American Express
1%
$31.54

Cash Back on Gas Spending

Card Name
Cash Back % at the Pump
Annual Cash Back on Gas
Blue Cash Preferred® Card from American Express
3%
$57.27
Fidelity® Rewards Visa Signature® card
2%
$38.18
Barclaycard CashForward™ World MasterCard®
1.575%
$30.07
Capital One® Quicksilver®Cash Rewards Credit Card
1.5%
$28.64
Wells Fargo Cash Wise Visa® Card
1.5%
$28.64
Topics: Credit Cards

Comment Policy: We love comments! However, the comments below are not provided or commissioned by this site or its advertisers. Comments have not been reviewed, approved or otherwise endorsed by this site or its advertisers. It is not this site or its advertisers' responsibility to ensure all comments and/or questions are answered.

21 Responses to “The Best Cash Back Credit Cards of 2019”

  1. Robert Brown Jr.

    These credit cards are better than some cards in this list:
    – Citizens Bank Cash Back Plus World Mastercard Card ( no annual fee, cashback: 1.8% ).
    – Discover it Cash Back Card.
    – Citi Double Cash Card (no annual fee, cashback: 1% + 1% = 2%)

  2. Mr. Berger,

    I read your article titled, “The 8 Best Cash Back Credit Cards – June 2015”, and wanted to take a minute to write to you.

    As an official spokesperson at U.S. Bank, we were thrilled to see the U.S. bank Business Edge Cash Rewards Card on the list. However, I wanted to make you aware that we do offer an annual bonus feature of 25% based on the prior year’s Cash Rewards, up to $250 (if the account is open, current and otherwise in good standing following the Cash Rewards Enrollment Anniversary Date).

    Furthermore, the rewards never expire and there’s no limit on what can be earned.

  3. The Capital One Quicksilver Cash Rewards credit card is my favorite simply because there’s no rotating/specific categories to follow and earning 1.5% cash back on every purchases every day works for me. The $100 cash bonus makes it even better.

  4. Sheryl

    Hello All: we have the Barclay Arrival+ MC and are very pleased so far. Personnel on the phone have been pleasant and responsive, and we earn extra points for posting travel stories on their auxiliary site — which is fun to do anyway! Have not yet hit the one-year mark so don’t know how we will feel about that $89 fee. We have always held cards that charge no annual fee, but this one might actually be worth it.

  5. Nancy O'Kelly

    I am interested in a card that will not expire rewards after 5 years. Am being squeezed by wells fargo to use or lose points after 5 years.any suggestions? I am leaning toward barclays mc. I have costco am ex and am very happy with their cash back program. Please advise. . .

  6. The Citi ThankYou Premier and Preferred cards are both currently offering between $100-$300 in gift cards for new apps (I know, it’s not cash but close!)

    Also the Citi World Mastercard is giving $200 in cash after spending $500 with the card

  7. While cash back sounds great, it isn’t an open invitation to spend loosely on credit. Also, for frequent flyers, the flyer miles cards quickly make a difference in what you spend on airfare. Analyze your spending to discover the best option for you.

  8. We have the Amex Costco card and the Citi dividend platinum card. The Costco card is great for 3% on restaurants and 3% on gasoline. The Citi card has the 5% rotating deals so we use that sometimes to maximize the rewards, like one quarter they had 5% on restaurants and another quarter it was 5% at department stores. I’m quite happy with both companies. Of course we pay off our balance in full every month.

  9. The PERKSTREET Financial Debit Card recommended above is EVEN BETTER with special reference code below – 3% CASH (Or GIFT CARD) REWARD On All Debit Card Purchases For 90 Days – NO minimum checking account balance. You will earn regular perks after the 3-month period (90 days). Regular Perks are 2% for all debit card (non-pin) transactions any day your checking account balance is $5000 or more & 1% on days when your balance is under $5000 to start the day. There is no minimum balance. The Cash is awarded in the form of prepaid VISA gift cards ranging from $25-$100. If you choose store gift cards, redemptions start in increments of $5.

  10. Scoottr

    Actually for the Pen Fed card you can get admitted to the credit union after you put $5 in a savings account and make a donation to a military families charity.

    This card is the best I have run across! Highly recommend it. Walmart counts as a supermarket no matter what you purchase there, so you get 2% back.

    Plus, being part of a credit union you get better interest rates on car loans and other loans.

    This is the best card out there folks…it is a Visa so is accepted everywhere!

    • Two problems with the Pen Fed card:

      1. They no longer pay one-to-one on your points. A $50 gift card used to cost 5000 points. Now it costs 5880 points. No notification to the customers, they just devalued our points because they could. Do you really want to do business with such a dishonest bunch of people?

      2. They charge the customers to send statements! If you want a bill, you have to PAY for it! I, for one, remember to pay my bills because I receive them in the mail. Because Penfed stopped sending the bill, I always forget to pay it. It seems to me that issuing a bill is part of the credit card business. To charge the customer for the PRIVILEGE of receiving a bill is unbelievable!

  11. You left out American Express Clear. It’s very straight forward, 1% back on everything. No gimmicky multiple tiers that promise “up to” some percentage, but start out at only 0.25% Every $2,500 in spending, you get another $25 American Express gift/debit card. Not quite as convenient as just getting plain cash back but almost as good as long as you’re attentive to the expiry dates on the gift/debit cards (which are typically well out into the future)

  12. I love rewards cards that give you cash back for things you buy every week, like groceries and gas. I’m a big fan of the Discover More card for this reason. I find it pretty hard to beat.

  13. The wife and I love our True Earnings Card from Costco! Not only do we get a check from American Express at the end of the year, but we also get a check from Costco as well, you can’t beat that.

Leave a Reply