Which Cash Back Credit Card is Right for You?Updated: May 22, 2018

Finding the right cash back credit card is a challenge, especially since there are so many options on the market and credit card offers are constantly changing. Lucky for you, we are in the know when it comes to credit cards, so we can help you find the right card for your needs and spending habits. Whether you’re looking for a card that earns cash back at the grocery store and gas station or you want one that earns cash back in rotating categories, we’ve got your back. Keep reading to find out which cash back credit card will help you get the most bang for your hard-earned buck.

Best cash back credit card: Wells Fargo Cash Wise Visa Card

which cash back credit cardThe Wells Fargo Cash Wise Visa Card wears the best cash back credit card crown for a number of reasons. First, it offers a stellar $200 intro bonus to cardholders who spend $1,000 on purchases in the first 3 months. In terms of ongoing rewards, the Wells Fargo Cash Wise Visa Card makes things easy because it earns unlimited 1.5% cash back on all purchases! What’s more, if you use mobile wallets like Android Pay or Apple Pay, you can earn even more on these purchases. That’s because you’ll earn 1.8% cash back on mobile wallet purchases made during the first 12 months from account opening. Earned cash back can be redeemed for a physical check, cash via a Wells Fargo ATM or a deposit into an eligible Wells Fargo account — note that the latter two are only available to Wells Fargo banking customers. As if that isn’t enough, the card has no annual fee and offers a 12-month 0% intro APR on purchases and balance transfers (with an intro balance transfer fee of 3% for the first 12 months, then it’s 5%). Wells Fargo Cash Wise Visa Card holders also get protection of up to $600 on their cell phone against covered damage or theft just for paying their cell phone bill with their card — that’s right, all you have to do is use your card to pay your bill and you’ll get coverage. There is a $25 deductible per claim (with a maximum of 2 claims per year), but this fee is likely a lot cheaper than the coverage you’d get from your cell phone provider. Finally, the Wells Fargo Cash Wise Visa Card is available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Best for rotating categories: Discover it – Cashback Match

which cash back credit cardPrefer a card with rotating categories to boost your earning potential? If so, the Discover it – Cashback Match is perfect for you. This card earns 5% cash back in rotating categories each quarter you activate (up to the quarterly maximum, currently $1,500, then it’s 1% back) and 1% cash back on all other purchases. Discover’s 2018 categories include gas stations and wholesale clubs from January through March, grocery stores from April through June, restaurants from July through September and wholesale clubs and Amazon.com purchases from October through December, offering some serious reward opportunities. What’s more, Discover will match all the cash back you’ve earned at the end of your first year as a cardholder — this means you’re effectively earning 10% cash back on rotating categories and 2% on all other purchases during the first year! Cash back earned with Discover it – Cashback Match can be redeemed for cash via direct deposit into your bank account or statement credit, gift cards, merchandise. Your rewards can also be used at checkout through Amazon.com. This card also has a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee), no annual fee, no foreign transaction fees and a number of Discover cardholder perks, including free identity theft alerts, free copies of your TransUnion FICO score and more. Discover it – Cashback match requires average to excellent credit (usually a credit score of 670 or higher) to qualify.

Best for every purchase: Citi Double Cash Card

which cash back credit cardEarning rewards on select purchases is nice, but it does require some planning. The Citi Double Cash Card (a NextAdvisor advertiser) is a better option for those who don’t want to worry about rotating categories or spending categories. This card earns an effective 2% back on all purchases. We use the word “effective” because the Citi Double Cash Card earns rewards in a unique way — you’ll earn 1% back when you make for a purchase and another 1% back when you pay for that purchase. Cash back earned with the Double Cash Card can be redeemed for a paper check, a direct deposit into your bank account, gift cards or merchandise. Unlike the other cards on this list, the Citi Double Cash Card does not offer an intro bonus opportunity or a 0% intro APR on purchases, but it does offer an 18-month 0% intro APR on balance transfers. There is a 3% balance transfer fee (with a $5 minimum), but this one-time fee is nothing when you consider how long the 0% intro APR period is. Rounding out the card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), is no annual fee.

Best for groceries and gas: Blue Cash Everyday Card from American Express

which cash back credit cardIf you frequent the grocery store or gas station, the Blue Cash Everyday Card from American Express (a NextAdvisor advertiser) is the right addition to your wallet. That’s because cardholders earn 3% cash back at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1% back) and 2% cash back at U.S. gas stations and select U.S. department stores. All other purchases earn the standard 1% back. On top of that, when you spend $1,000 on purchases in the first 3 months, you’ll get a $150 statement credit. Rewards can be redeemed for statement credit, merchandise, gift cards and travel through American Express Travel. The Blue Cash Everyday Card from American Express also features a 15-month 0% intro APR on purchases and balance transfers (with a balance transfer fee of 3% or $5, whichever is greater), no annual fee and a number of American Express perks, like car rental loss and damage insurance, roadside assistance, travel accident insurance and more. We should note its sister card, the Blue Cash Preferred Card from American Express, has more rewards potential, as it offers a $200 intro bonus opportunity and earns 6% cash back at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1% back) and 3% cash back at U.S. gas stations as well as select U.S. department stores, but it also has a $95 annual fee to consider. Both cards require good to excellent credit (usually considered a credit score of 700 or higher) to qualify.

Best for dining out: Capital One Savor Cash Rewards Credit Card

which cash back credit cardAny foodie will love the Capital One Savor Cash Rewards Credit Card because it’s a card that’s truly designed for those who enjoy eating out or cooking at home — or both. The card earns unlimited 3% cash back on dining, 2% cash back on groceries and 1% cash back on all other purchases. Additionally, when you spend $500 on purchases in the first 3 months from account opening, you’ll get a $150 bonus — that’s 30% back! Cash back earned with the Capital One Savor Cash Rewards Card can be redeemed for a check, gift card or statement credit. The card also has a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) and no annual fee or foreign transaction fees. Lastly, the Capital One Savor Cash Rewards Credit Card is available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Picking the best credit cards for your needs and spending habits is important because you likely won’t use a credit card that doesn’t match your lifestyle. While this post details some of the best cash back credit cards currently on the market, there may be another card that’s best for you. Use our free, customizable Cash Back Calculator to see which card fits your needs, and check out our reviews of the best cash back credit cards to see how these cards compare to other top options.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.