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The Ultimate Guide to Credit Cards

Top 5 Cash-Back Cards of 2023

We’ve curated a list of the top five cash-back credit cards to help consumers balance their books after the holidays and enjoy a few perks. Whether you want rewards on your everyday purchases like gas or groceries or you’re looking for an incentive to treat yourself to dinner and a movie, we’ve got you covered.

Keep reading for the best cash-back cards so you can put a few bills back in your wallet this winter.

1. Capital One SavorOne Cash Rewards Credit Card

Rewards: Unlimited 3% cash back on entertainment, dining, grocery (excluding superstores like Walmart® and Target®), and streaming services, and 1% cash back on all other purchases. Plus, earn an early spend bonus of $200 when you spend $500 within the first three months of opening your account.

Annual Fee:

Annual Fee: $0

Annual Fee:

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Why It Makes Our List:

You get the highest percentage of cash back on the things you love like dining out, entertainment, and streaming your favorite shows, plus groceries (because everyone needs to eat!), which makes it a little easier to justify date night. But you also get 1% cash back on all other purchases, so you can rest easy knowing every time you spend money, you’re still earning cash.

What Else You Should Know:

Capital One offers a number of added benefits with their cards, including:Access to 24-hour concierge service for dining, entertainment, and travelDirecting your rewards to Amazon.com and PayPal purchasesExclusive prices and discounts with Capital One Shopping and Capital One Travel (including price match guarantee) Travel Accident insurance

2. Blue Cash Preferred® Card from American Express

Rewards: Earn 6% cash back on groceries (on up to $6,000 per year in purchases at U.S. supermarkets then drops to 1%) and on select U.S. streaming services, 3% cash back on transit and gas at U.S. gas stations, and 1% on all other eligible purchases (all cash back to be used as statement credit). Plus, earn an intro offer of $250 back in the form of a statement credit after you spend $3,000 in purchases within the first 6 months of opening your account. Terms and conditions apply. Find rates and fees here.

Annual Fee:

Annual Fee: $0 for the first year, then $95 annually after that

$0 for the first year, then $95 annually after that

Annual Fee:

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Why It Makes Our List:

Who doesn’t love earning cash back on the essentials? With the Blue Cash Preferred® Card from American Express, you earn a whopping 6% cash-back reward on groceries at U.S supermarkets and on select U.S. streaming services, plus 3% on all transit (think taxis/Uber, train, parking, tolls, and more), which can easily add up if you live in a city. You also earn 1% on all other eligible purchases (terms apply), and although the card’s cash back can only be redeemed as a statement credit, it can help you focus on paying off your credit card bill each month.

What Else You Should Know:

We like that this card mirrors the rewards for Additional Card Members, so that if you share your credit card with a partner or family member, you’re earning even more cash back (to be used as a statement credit). You also get access to American Express Experiences, including ticket pre-sales and card member-only events near you. Terms apply.

3. Chase Freedom Rise℠ Credit Card

Rewards: Earn 1.5% cash back on all purchases, all while building up your credit and tracking your credit score for free. Plus, get a $25 statement credit for setting up automatic payments within the first three months of opening your account.

Annual Fee:

Annual Fee: $0

Annual Fee:

Why It Makes Our List:

This is a great beginner credit card for those that want to improve or build their credit. You can monitor your credit score, be reviewed for a credit limit increase, and pay no annual fee, all while earning solid cash back on your purchases.

What Else You Should Know:

There’s no minimum to redeem your cash back, so at any point you can choose to have your cash back redeemed as a statement credit, a direct deposit, gift cards, Amazon.com orders, and even for travel with Chase Ultimate Rewards. We love flexibility!

4. Capital One QuicksilverOne Cash Rewards Credit Card

Rewards: Unlimited 1.5% cash back on all purchases.

Annual Fee:

Annual Fee: $39

$39

Annual Fee:

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Why It Makes Our List:

Simplicity. You don’t need to worry about categories or spend thresholds, you just get a flat rate back on all purchases. If you’re looking for one credit card to handle all of your purchases and get consistent cash back, this is a solid option. The annual fee, while not waived, is still low enough to be worthwhile for the cash back you get.

What Else You Should Know:

We like that you can choose to get your cash back in the form of a check, as gift cards, or as a statement credit, whenever you’re ready to cash in. Plus, you get more Capital One card benefits, including 24/7 customer support and exclusive prices and discounts with Capital One Travel (including price match guarantee).

5. U.S. Bank Cash+™ Visa Signature® Card

Rewards: 5% cash back on your first $2,000 of combined eligible purchases each quarter on two categories you choose, plus 2% cash back on one everyday category like gas, grocery or restaurants, and 1% cash back on all other categories. One-time $200 cash card after spending $1,000 on eligible purchases in the first 120 days after opening your account.

Annual Fee:

Annual Fee: $0

Annual Fee:

Why It Makes Our List:

If you want to truly customize your cash back, this is the card for you. You get to choose the two categories that you earn the highest cash back on, which gives you more control over your rewards. We also appreciate that you get 2% on an everyday essential category (again, you get to choose!) and a flat 1% rate on all other spending. We also love the one-time cash card offer for a little boost to your bank account post holidays. If you want to decide how you earn cash back, you’ll like this reward system.

What Else You Should Know:

You’ll also get an additional 4% (so 5% total) on prepaid air, car, and hotel reservations in the travel center. If you’ve been craving a post-holiday vacay, this is the sign you’ve been looking for. You can also earn even more cash back at over 1,100 online stores through the Rewards Center Earn Mall. Plus, the redemption of your cash back is flexible: choose a cash deposit, reward card, or statement credit.

What to Look for In Your Cash-Back Card

There are tons of options out there for cash-back credit cards, but not all rewards are made equal. There’s no absolute best cash-back card for everyone, because while some might prefer a flat cash-back rate on everything, others might prefer a higher reward in a few key categories.

When browsing your card choices, you will want to keep an eye on the annual fee. We’ve provided options with and without an annual fee, but sometimes the cash-back rewards are worth paying a small fee to reap higher benefits. There are also a few cards with one-time bonus offers that help sweeten the deal, especially post holidays when a little more cash can’t hurt.

The best cash-back card for you will depend on your reward preferences. At the end of the day, as long as you’re getting cash back for your purchases and more bang for your buck, we’re happy. Be sure that you understand the cash-back reward system before signing up for the card so that you can take full advantage of its benefits.

Best Cash-Back Cards: Final Thoughts

From gas to groceries, date night to streaming your favorite shows, there’s a cash-back reward for everyone. And after the holiday season, a little cash back in your pocket doesn’t hurt.

We’ve rounded up the top five best cash-back cards based on a variety of reward categories so that you can find the best option for you and your spending habits. No matter how you like being rewarded, enjoy the feeling of getting more for your money on every purchase.

The Top Five 0% Balance Transfer Credit Cards

It’s not always easy to get ahead. If you feel like you’ve been treading water with your finances lately, you might want to consider switching to a 0% APR balance transfer card. It gives you the time and flexibility you need to take control of your money and make progress on your debt or eliminate it entirely, all without paying exorbitant interest fees—or any at all.

Balance transfer cards are simple: you can transfer balances from other cards to a card with 0% APR that lasts anywhere from 12-21 months, which gives you time to pay off the balance without paying interest. These cards can help you consolidate debt and avoid high-interest fees.

And when the average American has $5,525 in credit card debt, it just makes good financial sense to explore your options.

But just 0% APR wasn’t quite good enough for us. We rounded up the top five cards that not only give you 0% balance transfers, but that also come with a range of perks to sweeten the deal, including cash back, welcome cash bonus offers, and even 0% APR on new purchases. Plus, every single card on this list has a $0 annual fee to help you get even further ahead.

Ready to take control of your finances? Keep reading for the top five 0% balance transfer credit cards.

Here Are the Five Best 0% APR Balance Transfer Cards

1. Slate Edge℠ Credit Card

Offer: Intro offer of 0% APR for 18 months on purchases and balance transfers. Break up purchases into payments with no interest, just a fixed monthly fee (during the 0% APR intro offer). Plus, you will be automatically considered for a 2% interest rate reduction each year as long as you pay on time and spend at least $1,000 on your card by your next account anniversary. You will also be automatically considered for a higher credit limit if you pay on time and spend at least $500 in the first six months.

Annual Fee:

Annual Fee: $0

Annual Fee:

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Why It Makes Our List:

This credit card is great for those who want to spend responsibly and stay on top of payments. You can break up purchases into budget-friendly payments with a low interest rate, helping you put more towards the balance. Plus, you get automatically considered for a lower interest rate each year, which can add up to major savings over time.

What Else You Should Know:

You get access to great benefits as a Chase card member, including partner discounts with DoorDash and Instacart+, 24/7 fraud monitoring, roadside dispatch, and more.

2. Blue Cash Everyday® Card from American Express

Offer: Introductory rate of 0% APR on balance transfers for 15 months from account opening, and then variable APR of 19.24% to 29.99%. Welcome bonus of a $200 statement credit after $2,000 in purchases on the card within the first six months of account opening. Terms apply. Find rates and fees here.

Annual Fee:

Annual Fee: $0

Annual Fee:

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Why It Makes Our List:

You might be looking for the best balance transfer card, but it doesn’t hurt to get a few extra perks along the way. With the Blue Cash Everyday® Card from American Express, you’ll get 15 months of 0% interest on your balance transfer, but you’ll also be earning cash back on new purchases in useful categories like groceries, gas, and more and you’ll get a tidy statement credit after $2,000 in purchases within the first six months of account opening (terms apply).

What Else You Should Know:

Balance transfers do need to be completed within the first 60 days of account opening, and there’s a balance transfer fee of $5 or 3% of the balance transfer, whichever is higher. But with the Blue Cash Everyday® Card from American Express, you get access to other American Express perks like car rental insurance, purchase protection, the Global Assist Hotline, American Express Experiences, and more (terms apply).

3. Chase Freedom Unlimited® Credit Card

Offer: Earn a $200 bonus if you spend $500 on purchases within the first three months of account opening. Enjoy 2% cash back on all grocery purchases (excluding Walmart and Target) for the first $12,000 spent in the first year. On top of that, you earn 1.5% cash back on all purchases, 3% on dining at restaurants (including takeout and some delivery services) and drugstore purchases, and 5% on travel through Chase Ultimate Rewards. You also get a 0% intro APR for 15 months from account opening on purchases and balance transfers, and then a variable APR of 20.24%–28.99% after that.

Annual Fee:

Annual Fee: $0

Annual Fee:

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Why It Makes Our List:

We love cash back on credit cards, and the Chase Freedom Unlimited card doesn’t disappoint. With high cash back rates for grocery, dining, drugstore purchases, and travel, you get rewarded for what you need and what you love. Plus, you get 1.5% on all other purchases, which means you’re always being rewarded.

What Else You Should Know:

Your cash back rewards don’t expire and there’s no minimum to redeem them, so you have the flexibility to convert them at any time to a statement credit, direct deposit, or even gift cards, travel, and Amazon.com purchases.

4. Capital One Savor One Cash Rewards Credit Card

Offer: Intro offer of 0% APR on purchases and balance transfers for 15 months, after which the variable APR will be 19.24% to 29.24%. Unlimited 3% cash back on dining, entertainment, groceries, and streaming services, and 1% on all other categories. Early spend bonus of $200 when you spend $500 in purchases within the first 3 months of account opening.

Annual Fee:

Annual Fee: $0

Annual Fee:

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Why It Makes Our List:

With the Capital One® SavorOne Cash Rewards Credit Card, you get 15 months of 0% APR, but you also get 15 months to do balance transfers, which is more than most cards. Plus, while you’re saving on interest, you’re also earning unlimited cash back on every purchase. And if you need a little nudge to treat yourself every once in a while, the extra cash back on dining and entertainment doesn’t hurt.

What Else You Should Know:

You have the full 15 months to do balance transfers, and you’ll pay a 3% fee on any transfers. You can choose to get your cash back as a statement credit or check, and you can also automate the redemption so that you don’t even have to think about it.

5. Chase Freedom Flex℠ Credit Card

Offer: Earn a $200 bonus if you spend $500 on purchases within the first three months of account opening. Enjoy varying cash back rewards, including an intro offer of 5% cash back on grocery store purchases (excluding Walmart and Target) for the first $12,000 spent in the first year. Enjoy 5% cash back on up to $1,500 for bonus categories, like gas stations and select online merchants, each quarter you activate it. Also, take advantage of 3% on dining (including takeout and some delivery services) and drugstore purchases, and 1% on all other purchases. You also get a 0% intro APR for 15 months from account opening, after which it becomes a variable APR of 20.24%–28.99%.

Annual Fee:

Annual Fee: $0

Annual Fee:

Why It Makes Our List:

If you love cash back but want more control, this is the card for you. You earn a whopping 5% cash back on different categories each quarter that you activate, meaning that you can time your purchases to align with even more cash back. Plus, you still earn plenty on other purchases, so it’s a win-win in our books.

What Else You Should Know:

This card also gives you access to credit health tracking, purchase payment plans, partner discounts with DoorDash and Lyft, and flexible cash back redemption. It’s a well rounded card for pretty much anyone that needs a credit card.

Find The Best 0% Balance Transfer Card

Whether you’re looking to tackle debt or make a large purchase with the time to pay it off, these cards have what it takes to help you save and achieve your financial goals. And a little cash back or bonus cash welcome offer never hurt anyone.

Take control of your finances today thanks to these top 0% cash balance transfer cards. Whether you want a card that does it all or a card that helps you save, there’s an option for you in this list.

For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this link.

For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this link.