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Food The 10 Best Cash-Back Credit Cards Available Now

15:16  19 october  2021
15:16  19 october  2021 Source:   gobankingrates.com

Why the Costco Anywhere Visa Business Card is a no-brainer for business owners

  Why the Costco Anywhere Visa Business Card is a no-brainer for business owners Editor’s note: This post has been updated with new information. Citi is a TPG advertising partner. Costco Anywhere Visa® Business Card by Citi Overview The Costco Anywhere Visa® Business Card by Citi is a reasonable option for small businesses that prefer cash-back rewards and have a Costco membership. Despite its name, the card doesn’t only …The Costco Anywhere Visa® Business Card by Citi is a reasonable option for small businesses that prefer cash-back rewards and have a Costco membership. Despite its name, the card doesn’t only earn bonus rewards on Costco purchases, so it can be a useful card for many types of small businesses that already shop at Costco.

When you use a cash-back credit card responsibly, you essentially get free money for every purchase. But not all cash-back cards are created equal — some offer higher cash-back rates than others, some have different fees associated with the card and the interest rates can vary as well.

best credit cards iStock-1125633697 © katleho Seisa / Getty Images best credit cards iStock-1125633697

GOBankingRates identified the Best Cash-Back Credit Cards of 2021 by analyzing the following factors: annual fees, APR for purchases, promotional APR, sign-up bonuses, and rewards and features. Find out which cards made the cut.

Our Top Cash-Back Card

freedomUtld_card_V © Chase / Chase freedomUtld_card_V

Chase Freedom Unlimited®

Why we like it: The Chase Freedom Unlimited card’s rewards structure offers users 5% cash back on unlimited travel purchases, plus 5% cash back for a limited time on groceries and Lyft rides. Other cash-back categories include 3% on drugstore and dining purchases and 1.5% cash back on all other purchases.

Best credit cards for groceries in 2021

  Best credit cards for groceries in 2021 There are some great credit cards that earn extra rewards when you use them at the supermarket, so if you cook at home on a regular basis, it's important to make sure you have the best credit card in your wallet when you're shopping for groceries.Groceries are a significant part of the monthly budget for most American households, which means you want to earn as much cash back or travel points on your supermarket purchases as you can. Fortunately, not only are there a number of great credit cards for grocery shopping, but some cards even feature limited-time bonuses on groceries.

The cash-back rewards and a lower-than-average starting APR, a sign-up bonus and $0 annual fee all make this card worth considering.

Benefits

  • No annual fee
  • High rewards value: Earn 5% cash back on groceries (excluding warehouse stores) on up to $12,000 spent in the first year, as well as 5% cash back on travel purchased through Chase. Plus, get 3% cash back on dining, including takeout, and at drugstores
  • Easy rewards redemption for cash, gift cards or travel, with no minimum to redeem
  • 15-month promotional 0% intro APR period

Drawbacks

  • Purchases made at Target and Walmart are excluded from the grocery category

Key Features

  • 5% cash back at grocery stores, excluding Target and Walmart, on up to $12,000 spent in your first year of having the card
  • 3% cash back on dining, including takeout, and at drugstores
  • 1.5% cash back on everything else
  • 5% cash back on travel purchased through Chase

APR

14.99% to 23.74%

4 of the best starter travel cards of 2021

  4 of the best starter travel cards of 2021 Editor’s note: This is a recurring post, regularly updated with new card details and information. The world of credit cards can seem overwhelming when you’re just getting started. But, if you’re looking to move on from your cash-back card (or even a student card), you’re in the right place. The right starter travel card can …The world of credit cards can seem overwhelming when you’re just getting started. But, if you’re looking to move on from your cash-back card (or even a student card), you’re in the right place. The right starter travel card can offer much more rewarding perks — a rite of passage into adulthood.

Promotional APR

0% for 15 months

Annual Fee

$0

Top Cash-Back Categories

Groceries (excluding Target and Walmart) and travel

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to Chase’s application page).

Keep reading our full review to find out more about this card’s benefits.

Best Cash-Back Credit Cards 2021

Keep reading to see the other winners in the Best Cash-Back Credit Cards of 2021 category.

freedomFlx_card_MC_RFID © Chase freedomFlx_card_MC_RFID

Chase Freedom FlexSM Credit Card

Key Benefits

  • Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate
  • Earn 5% cash back on travel purchased through Chase
  • Earn 3% cash back on dining including takeout and drugstores
  • Earn 1% cash back on all other purchases
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year

APR

14.99% to 23.74%

The 10 Best Travel Credit Cards Available Now

  The 10 Best Travel Credit Cards Available Now Whether you're always on the go or want to save up points and perks for an annual vacation, a travel credit card can help you make the most of the experience. But with so many travel cards available, it’s hard to know which ones are actually worth signing up for. To find the best travel credit cards of 2021, GOBankingRates analyzed a number of factors including annual fees, APR for purchases, promotional APRs, sign-up bonuses, rewards, foreign transaction fees and travel perks, and identified the cards with the top offerings. © Jovanmandic / iStock.

Promotional APR

0% for 15 months

Annual Fee

$0

Top Cash-Back Categories

Groceries (excluding Target and Walmart) and travel, and on bonus categories each quarter you activate

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to Chase’s application page).

Find out more about this credit card.

can_blue_pref_eng_di_480x304 © American Express / iStock.com can_blue_pref_eng_di_480x304

American Express Blue Cash Preferred® Credit Card

Key Benefits

  • 6% cash back on groceries, up to $6,000 a year
  • 6% cash back on streaming services
  • 3% cash back on transit
  • 3% cash back on gas
  • 1% cash back on all other purchases

APR

13.99% to 23.99%

Best credit cards for excellent credit

  Best credit cards for excellent credit With a credit score that's considered excellent or exceptional, you can have your pick of the top rewards and travel credit card options, so it's vital that you compare card offerings and current promotions to find the right fit. Save money with these credit card offers for people with excellent credit.What is an excellent credit score?Before you hit the "apply" button on a credit card application, you should first find out if you really have excellent credit. Fortunately, there are plenty of ways to check your credit score for free.

Promotional APR

0% for 12 months

Annual Fee

$95

Top Cash-Back Categories

Groceries and streaming

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to American Express’ application page).

Is this card right for you? Find out more about it to decide.

U.S. Bank Cash+® Visa Signature® Card

Key Benefits

  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 2% cash back on one everyday category, like gas stations, grocery stores or restaurants
  • 1% cash back on all other eligible purchases

APR

13.99% to 23.99%

Everything you should know about Bank of America’s Preferred Rewards program

  Everything you should know about Bank of America’s Preferred Rewards program Editor’s note: This is a recurring post, regularly updated with new information. It’s wonderful to redeem points and miles for travel arrangements such as lodging and flights. But there can be many other types of expenses involved in planning a trip, too, such as car rentals, train tickets, gas and campsite fees, among others. Luckily, …It’s wonderful to redeem points and miles for travel arrangements such as lodging and flights. But there can be many other types of expenses involved in planning a trip, too, such as car rentals, train tickets, gas and campsite fees, among others. Luckily, using cash-back rewards in combination with your points and miles can save you even more money on your next vacation.

Promotional APR

N/A

Annual Fee

$0

Top Cash-Back Categories

Two categories of your choosing each quarter

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to U.S. Bank’s application page).

Discover all the benefits this card has to offer.

Custom Cash_WE_DI_LW_24_PID_416_RC_1200 x 628 © Citi Custom Cash_WE_DI_LW_24_PID_416_RC_1200 x 628

Citi Custom CashSM Credit Card

Key Benefits

  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
  • Earn unlimited 1% cash back on all other purchases

APR

13.99% to 23.99%

15 credit cards currently offering sign-up bonuses of 100,000 points or more

  15 credit cards currently offering sign-up bonuses of 100,000 points or more Editor’s note: This is a recurring post, regularly updated with new card offers and information. Credit card welcome offers and sign-up bonuses are the fastest way to increase your points and miles stash. There’s nothing quite like the thrill of seeing a massive bonus post to your loyalty account. From there, you can start dreaming …Credit card welcome offers and sign-up bonuses are the fastest way to increase your points and miles stash. There’s nothing quite like the thrill of seeing a massive bonus post to your loyalty account.

Promotional APR

0% for 15 months

Annual Fee

$0

Top Cash-Back Categories

Your top eligible spending category each billing cycle

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to Citi’s application page).

Learn more about this card’s perks.

Capital One SavorOne Rewards Credit Card

Key Benefits

  • 3% cash back on dining
  • 3% cash back on entertainment and streaming services
  • 3% cash back at grocery stores
  • 1% cash back on all other purchases

APR

15.49% to 25.49%

Promotional APR

0% for 15 months

Annual Fee

$0

Top Cash-Back Categories

Dining, entertainment, streaming and grocery stores

North Korea's floating hotel and other abandoned resorts

  North Korea's floating hotel and other abandoned resorts We take a look at the most astonishing abandoned spots that are now playgrounds for urban explorers, photographers and ghost hunters alike.

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to Citi’s application page).

See what other perks come with this credit card.

blue_cash_evday_ch_480x304 © American Express blue_cash_evday_ch_480x304

American Express Blue Cash Everyday® Card

Key Benefits

  • 3% cash back on US supermarkets, up to $6,000 annually
  • 2% cash back on gas
  • 2% cash back at select department stores
  • 1% cash back on all other purchases

APR

13.99% to 23.99%

Promotional APR

0% for 15 months

Annual Fee

$0

Top Cash-Back Categories

Supermarkets

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to American Express’ application page).

Learn more about this card to determine if it’s right for you.

Bank of America® Customized Cash Rewards Credit Card

Key Benefits

  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores or home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases

APR

13.99% to 23.99%

Promotional APR

0% for 15 months

Annual Fee

$0

Top Cash-Back Categories

Category of your choice

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to Bank of America’s application page).

See if this card has what it takes to fit your needs.

M&T Visa® Signature Credit Card

Key Benefits

  • Earn unlimited 1.5% cash back on every purchase

APR

11.24% to 18.24%

Promotional APR

0% for 12 months

Annual Fee

$0

Top Cash-Back Categories

Everyday spending

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to M&T Bank’s application page).

Discover more about this credit card’s offerings.

DiscoverItCard_Blue_Front_500px © Provided by GOBankingRates DiscoverItCard_Blue_Front_500px

Discover it® Cash Back Credit Card

Key Benefits

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal
  • Earn 1% cash back on all other purchases
  • Cashback match, get an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year

APR

11.99% to 22.99%

Promotional APR

0% for 14 months

Annual Fee

$0

Top Cash-Back Categories

Rotating categories each quarter

How To Get This Card:

You can apply for the card online here with just some basic personal and financial information (clicking the link will take you to Discover’s application page).

Read on to learn more about this credit card.

FAQs About Cash-Back Credit Cards

Here are the answers to a few commonly asked questions about cash-back credit cards.

What credit score do I need to get a cash-back credit card?

When you apply for a cash-back credit card, the lender will consider your credit score before deciding whether to approve you for the card. To qualify for the cards with the most attractive features, you’ll want an exceptional or very good credit score.

Here’s a breakdown of FICO credit score ranges:

  • Exceptional: 800 or higher
  • Very Good: 740-799
  • Good: 670-739
  • Fair: 580-669
  • Poor: 579 or lower

Check your credit score to see where you fall. If you’re interested in a cash-back card, reach out to the card issuer to see if your score is high enough to qualify.

Can I use cash back to pay off my credit card?

Yes. You can use your cash back rewards as a statement credit. You will still need to make your minimum payment if you have a balance.

Explore more answers to your top questions about cash-back credit cards.

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Last updated: Oct. 19, 2021

Methodology: GOBankingRates identified the best cash-back credit cards by analyzing the following factors: (1) annual fees; (2) APR for purchases; (3) promotional APR; (4) sign-up bonuses; and (5) rewards and features. All fees and rates are subject to change at the credit card issuers’ discretion. Some bonus offers may no longer be available on the credit card issuers’ websites, depending on how one accesses the web page. All data was sourced from each financial institution’s website or promotional material and is accurate as of Aug. 11, 2021. Please verify terms and conditions before opening an account. Rewards had to be in form of cash back to qualify.

This article originally appeared on GOBankingRates.com: The 10 Best Cash-Back Credit Cards Available Now

North Korea's floating hotel and other abandoned resorts .
We take a look at the most astonishing abandoned spots that are now playgrounds for urban explorers, photographers and ghost hunters alike.

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