Cash Back Credit Card Analysis
Cash back credit cards are a great way to earn extra money by just paying with your credit card, but determining the best cash back card for your particular spending habits can be an almost impossible task. That's because while most cash back cards give you a set percentage of cash for all your purchases, many add additional earning opportunities or restrictions that make calculating your potential earnings very complex. Extra earnings for common category purchases like gas or groceries, quarterly rotating extra cash-back categories, and annual earnings limits are just a few of the complications that card issuers throw at you. So we've done the heavy lifting to help you figure out exactly which cash back card is best for you.
First, we looked at the top cash back credit cards to see which of them offer the most cash back for the average person. See the results and analysis below. Then, we developed a calculator that lets you determine exactly how much cash back you will earn from each card based on your particular spending habits. Just enter in your monthly spend in different categories to the right and we'll figure out the most lucrative card for you.
Our Results Summary for Average Usage
A summary of the cash back values in our Cash Back Credit Card Analysis appears in the chart below. For the full context and explanation, see the detailed reviews beneath each card calculation. Our Cash Back Credit Card Analysis used standard purchase amounts to determine its rankings (How we calculated the earnings). To determine the best card for your own spending style, fill out the Personalized Cash Back Calculator to the right.
We have made our best efforts to ensure the information in this analysis is correct and up-to-date, but we cannot guarantee its accuracy. You should always check the terms and conditions of your card on the card issuer's web site before you apply to be certain of the latest terms of each card. Due to rounding, the Total Value may not always be the sum of Year 1 and Year 2.