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Best Cash Back Credit Cards Of March 2024

Compare top cash back credit cards

✓ No annual fees

✓ Easy redemptions

High sign-up bonuses

What card do you want?

Card Type
Cash Back
PayPal Cashback Mastercard

9.7

SmartScore
4.9/5

PayPal Cashback Mastercard®

No impact to credit bureau score if declined

Deposit cash back directly into PayPal account

No impact to credit bureau score if declined

NFCU cashRewards Credit Card

9.3

SmartScore
4.6/5

cashRewards Credit Card

$300 cash back bonus & Walmart+

$300 cash back bonus & Walmart+

Choice Rewards World Mastercard®

8.9

SmartScore
4.5/5

Choice Rewards World Mastercard®

Earn 20,000 bonus points

Earn 20,000 bonus points

Community Feedback
Based on the past 30 days
97%
Product Features
Based on our editorial reviews
95%
Community Feedback
Based on the past 30 days
92%
Product Features
Based on our editorial reviews
90%
Community Feedback
Based on the past 30 days
87%
Product Features
Based on our editorial reviews
86%
Community Feedback
Based on the past 30 days
86%
Product Features
Based on our editorial reviews
82%
Community Feedback
Based on the past 30 days
83%
Product Features
Based on our editorial reviews
81%
25,000+ people

Have chosen a new credit card using SmartWealthTrends!​

SmartScore

The SmartScore consists of a combination of the following 2 components:

SmartWealthTrends uses community feedback as one of the components to determine the quality of a service or product that is ranked on our lists.  

SmartWealthTrends uses our individual analysis on the various products and services we review to determine how helpful they are to potential new users.

Editorial Reviews

Citi Premier Card

Read review

Chase Freedom Unlimited

Read review

Citi Custom Cash

Read review

Blue Cash Everyday Card

Read review

TD Cash Card

Read review

Our Top Choice

PayPal Cashback Mastercard®

PayPal Cashback Mastercard

9.7

SmartScore
4.9/5

Best cash back credit card of 2024

Deposit cash back directly into PayPal account

Best cash back credit card of 2024

Why Should You Get A Credit Card?

If you're considering getting a credit card, having one is essential, but choosing a good one that aligns with your spending habits and rewards you for using it is also crucial. Credit cards can offer a range of benefits, including convenience, the ability to build credit, and rewards for every dollar you spend. However, not all credit cards are created equal, and some can come with high fees or interest rates that can lead to debt if not managed properly.

 

To make the most of your credit card, look for one that offers rewards or benefits that you'll actually use. For example, if you travel frequently, consider a credit card that offers points or miles for every dollar you spend, which can be redeemed for flights or hotel stays.

Alternatively, if you prefer cash back, look for a credit card that offers a high percentage of cash back on the purchases you make most often.


Choosing a credit card that doesn't charge unnecessary fees, such as annual or high interest rates, is also crucial. By researching and comparing credit cards, you can find one that aligns with your needs and budget. With the right credit card, you can enjoy the benefits of convenience, rewards, and good credit while avoiding unnecessary fees and debt.

Which Credit Card Is Right For You?

VS
VS
Cash back rate
Up to 3x points
VS
Up to 5%
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Up to 5%
Annual fee
VS
VS
Foreign transaction fee
VS
VS
APR
VS
VS
Balance Transfer
VS
VS

Top 5 Benefits Of A Credit Card

  1. Convenience: Credit cards are a convenient way to make in-store and online purchases. With a credit card, you don't need to carry cash or worry about finding an ATM.
  2. Building credit: Using a credit card responsibly can help you build a good credit history. This can be important if you plan to apply for a loan or a mortgage.
  3. Rewards: Many credit cards offer rewards such as cash back, points, or miles for every dollar you spend. These rewards can add up over time and provide a benefit for using your credit card.
  4. Security: Credit cards can offer better security compared to using a debit card or cash. If your credit card is lost or stolen, you can easily report it to your issuer and not be responsible for any fraudulent charges.
  5. Emergency funds: A credit card can serve as an emergency fund if unexpected expenses arise. It's important to use a credit card responsibly and only for necessary expenses, but having access to credit can provide peace of mind in case of an emergency.
    1.  

Top Credit Card Options As Of March 28, 2024

Card

Annual Fee

Explore

Top Credit Cards Overviews

1.

Overview

The Citi Premier® Card is a rewards credit card that offers 3X points per dollar spent on air travel, hotels, restaurants, and supermarkets. Despite its $95 annual fee, the benefits and rewards can offset the cost, including the no foreign transaction fees and the welcome bonus worth several hundred dollars in travel rewards. Additionally, the card offers several other perks, such as trip cancellation and interruption protection and access to exclusive experiences and events.

Pros

Cons

2.

Overview

The Chase Freedom Unlimited® credit card lets you earn cash back rewards on all purchases, with unlimited 1.5% cash back and higher rates on specific categories like dining, drugstore purchases, and travel through Chase Ultimate Rewards. You'll also get a long intro APR period, no annual fee, and rewards that never expire as long as your account is open.

Pros

Cons

3.

Overview

The Citi Custom Cash℠ Card is a no-fee credit card that allows cardholders to earn cash back rewards on their spending. The card offers a unique rewards structure that automatically adjusts to your spending habits, with 5% cash back on your top eligible spending category each billing cycle.

Pros

Cons

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