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Best Cash Back Credit Cards Of October 2023

Compare top cash back credit cards

✓ No annual fees

✓ Easy redemptions

High sign-up bonuses

What card do you want?

Card Type
Cash Back
Bread Cash Back Credit Card

9.7

SmartScore
4.9/5

Bread Cashback™ American Express® Credit Card

Unlimited 2% cash back. No caps.

Up to 30% off car rental discounts

Best overall cash back card

9.5

SmartScore
4.8/5

Earn 5% in top eligible spending category

Earn 5% in top eligible spending category

9.2

SmartScore
4.6/5

0% intro balance transfer

0% intro balance transfer

9.1

SmartScore
4.6/5

3% back in category of your choice

3% back in category of your choice

8.7

SmartScore
4.4/5

5% back grocery store offer

5% back grocery store offer

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%
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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 Custom Cash

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Citi Double Cash

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Chase Freedom Unlimited

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Our Top Choice

Most Popular Cash Back Credit Card

Bread Cash Back Credit Card

9.7

SmartScore
4.8/5

Bread Cashback™ American Express® Credit Card

Unlimited 2% cash back with no caps​

Best overall cash back credit card

Why Should You Get A Cash Back Credit Card?

A no-fee cash back credit card can help you earn rewards on your spending without paying an annual fee. With this type of credit card, you can earn cash back on purchases and take advantage of bonus categories. You can also improve your credit history by using your card responsibly and paying your balance on time.

 

One of the primary benefits of a no-fee cash back credit card is the ability to earn rewards without paying an annual fee. No yearly fees allow you to fully take advantage of the cash back rewards the card offers without incurring extra costs. Additionally, many cash back credit cards offer higher reward rates in specific categories, like gas, groceries, or restaurants. Using your card in these categories can earn even more cash back on your purchases.

 

Using a credit card responsibly can also be a great way to build your credit history. Paying your balance on time and keeping your credit utilization low can demonstrate to lenders that you are a responsible borrower. Increased credit scores can help you qualify for other types of credit in the future, like a mortgage or car loan

Which Credit Card Is Right For You?

VS
VS
Cash back rate
Up to 5%
VS
Up to 3%
VS
Unlimited 2%
Annual fee
VS
VS
Foreign transaction fee
VS
VS
APR
VS
VS
Balance Transfer
VS
VS

Top 5 Benefits Of A Cash Back Credit Card

  1. Earn cash back rewards: With a no-fee cash back credit card, you can earn cash back on your purchases. This means you can get a percentage of your spending back in cash or statement credits.

  2. No annual fee: Unlike many credit cards, many cash back credit cards don't charge a yearly fee. This means you can enjoy the benefits of cash back rewards without paying anything extra.

  3. Bonus categories: Many no-fee cash back credit cards offer higher reward rates in specific categories, like gas, groceries, or restaurants. This means you can earn even more cash on purchases in these categories.

  4. Build credit history: By using a no-fee cash back credit card responsibly and paying your balance on time, you can improve your credit history. This can help you qualify for other types of credit in the future, like a mortgage or car loan.

  5. Save money: A no-fee cash back credit card can help you save money. By earning cash back on your purchases, you're effectively getting a discount on everything you buy. This means you can keep more money in your pocket and use it to save or invest.

Top Cash Back Credit Card Options As Of October 03, 2023

Card

Cash Back Rate

Explore

Citi Custom Cash

Up to 5%

Up to 3%

Citi Double Cash

Unlimited 2%

Top Cash Back Credit Cards Overviews

1. Bread Cashback™ American Express® Credit Card

Bread Cash Back Credit Card

Overview

The Bread Cashback™ American Express® Credit Card is a great way to earn 2% on purchases with no annual fee. You'll enjoy cardholder perks like dining discounts, purchase protection, and Amex Offers, but you won't find a welcome bonus or introductory 0% APR, which can be found with similar flat, cash-back cards on the market today.

Pros

Cons

2.

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

3.

Overview

The Citi Double Cash® Card is a credit card offered by Citibank that allows users to earn cashback rewards on purchases. It offers 1% cashback on purchases and an additional 1% cashback when the user pays off their balance. This card also has no annual fee and provides access to various Citi perks and benefits.

Pros

Cons

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