- Last updated October 2023
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?
9.7
Bread Cashback™ American Express® Credit Card
Unlimited 2% cash back. No caps.
- Annual Fee: $0
- No foreign transaction fees
- American Express® Offers
Up to 30% off car rental discounts
- Annual Fee: $0
- No foreign transaction fees
- American Express® Offers
Best overall cash back card
- Unlimited 2% cash back with no caps
9.5
Earn 5% in top eligible spending category
- Annual Fee:
- Credit Score Needed:
- Intro APR:
9.2
0% intro balance transfer
- Annual Fee:
- Credit Score Needed:
- Intro Balance Transfer:
9.1
3% back in category of your choice
- Annual Fee:
- Credit Score Needed:
8.7
5% back grocery store offer
- Annual Fee:
- Credit Score Needed:
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Editorial Reviews
Bread Cashback™ American Express® Credit Card
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Our Top Choice
Most Popular Cash Back Credit Card
9.7
Bread Cashback™ American Express® Credit Card
- Annual Fee: $0
- No foreign transaction fees
- American Express® Offers
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?
Top 5 Benefits Of A Cash Back Credit Card
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.
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.
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.
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.
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 Cards Overviews
1. Bread Cashback™ American Express® 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
- No annual fees
- No foresign transaction fees
- American Express® Offers
Cons
- No sign-up bonus
- No intro 0% APR
- Limited reward options
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
- No annual fees
- Intro APR period ()
- 5% bonus category
Cons
- Low cash back rate outside of 5% category
- Requires credit
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
- No annual fees
- Unlimited 2% cash back
- Intro balance transfer period
Cons
- No intro bonus
- Requires credit
- No additional bonus categories
