Cash back credit cards are one of the most popular types of rewards credit cards in the U.S. and if you are looking for a cash back credit card that offers exceptional rewards, you've come to the right place. The demand for good to excellent credit customers is so high right now that banks are offering some of the most lucrative offers in years. Whether you are single or married, like to shop in department stores or online stores, or want to save money on gas and groceries, you will be spoiled for choice with our top picks. Here, we'll list the best cash back cards at GET.com and tell you why we picked them. You can also use our credit card comparison tool to get a more detailed comparison of credit cards best suited to your lifestyle. Many of these cards give you a response within 60 seconds when you apply online.

GET.com's best cash back cards

Best ForCredit Card
BonusWells Fargo Cash Wise Visa® Card
Bonus CategoriesChase Freedom®
Cashback MatchDiscover it® Cash Back
Gas & GroceriesBank of America® Cash Rewards credit card - $200 Cash Rewards Offer
2% Cash BackCiti® Double Cash Card

GET.com's Best For Cash Back Bonus

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Wells Fargo Cash Wise Visa<sup>®</sup> Card

Wells Fargo Cash Wise Visa® Card

APPLY NOWAt Wells Fargo's secure website
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

0% Intro APR for 12 months on purchases and balance transfers (fees apply), balance transfers made within 120 days qualify for the intro rate and fee

15.99%-26.99% (Variable)

$0

Excellent/Good

Advantages of Wells Fargo Cash Wise Visa® Card:

  • Wells Fargo Cash Wise Visa® Card lets you earn a flat rate of cash back of 1.5% cash rewards on all your purchases. The cash back you earn is unlimited and doesn't expire.
  • As a bonus offer you get a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months after account opening.
  • You can also earn 1.8% cash rewards on qualified mobile wallet purchases like Google PayTM or Apple Pay® that you make during the first 12 months from account opening.
  • This card has a $0 annual fee and you get a 0% intro APR for 12 months on purchases and balance transfers (fees apply; balance transfers made within 120 days qualify for the intro rate and fee) with 15.99%-26.99% variable APR thereafter. Here is our Wells Fargo Cash Wise Visa® Card review.

Downsides of Wells Fargo Cash Wise Visa® Card:

  • You have to pay a 3% foreign transaction fee on purchases made in a foreign currency, so this card isn't ideal for travel.

Bottom Line:

Wells Fargo Cash Wise Visa® Card is a great card to use if you are looking to earn a flat rate of unlimited cash back on all your purchases while paying a $0 annual fee.

GET.com's Favorites For Flat Rate Cash Back

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

16.99% - 25.74% Variable

$0

Why we like it
  • Unlimited 1.5% cash back on every purchase - it's automatic.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Excellent/Good

Advantages of Chase Freedom Unlimited®:

  • Chase Freedom Unlimited® lets you earn a $150 Bonus after you charge $500 of purchases to your card in your first 3 months from account opening. That is an easy-to-get bonus offer!
  • This card lets you earn unlimited 1.5% cash back on every purchase automatically.
  • You don't need to enroll in any cash back categories.
  • There is a long 0% intro APR for 15 months from account opening on purchases and balance transfers, after that a 16.99% - 25.74% variable APR. No annual fee. Here is our review of Chase Freedom Unlimited®.

Downsides of Chase Freedom Unlimited®:

  • No 5% bonus categories. You earn a flat-rate unlimited 1.5% cash back on all your purchases.

Bottom Line:

Chase Freedom Unlimited® is a great card if you are looking for a simple, straightforward way of earning and redeeming cash back as well as a tempting welcome offer, introductory low APR on purchases and balance transfers and other useful card benefits.

GET.com's Best For Cashback Match

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Discover it<sup>®</sup> Cash Back

Discover it® Cash Back

APPLY NOWAt Discover's secure website
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
APPLY NOWAt Discover's secure website

0% on purchases and balance transfers for 14 months

13.99% - 24.99% Variable

$0

Excellent/Good

Advantages of Discover it® Cash Back:

  • Discover it® Cash Back now has an irresistible offer for new sign-ups: Discover will match all the cash back you've earned at the end of your first year, automatically. What's great about it is that it has no annual fee.
  • You can get 5% cash back (after you sign up for 5% cash back each quarter) for purchases made in quarterly changing bonus categories, up to a maximum of $1,500 per quarter, and unlimited 1% cash back on all other purchases.
  • You can use this card to make interest-free purchases or for debt payoff during the introductory period. It offers 0% intro APR on purchases and balance transfers for the first 14 months, with a 13.99% - 24.99% variable APR afterwards. A 3% fee of the transferred balance applies to each balance transfer. You can transfer most non-credit card debts, such as certain loans, onto this card. Our review of Discover it® Cash Back can be found here.
  • You can view your FICO score on monthly statements or online for free.
  • No late fee for your first late payment and no penalty APR.

Downsides of Discover it® Cash Back:

  • You have to enroll for each 5% bonus cash back category every quarter, but this shouldn't be an issue because you can request for notification alerts.
  • Discover cards are not accepted as widely outside of the U.S. compared to Visa or MasterCard cards.

Bottom Line:

Discover it® Cash Back is a card that packs an awful lot of perks and competitive benefits that make it stand out from the other cash back cards in America, which is why we named it as our best for earning twice the rewards with Cashback Match and 5% cash back on quarterly changing categories.

GET.com's Best For 5% Bonus Cash Back Categories

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

16.99% - 25.74% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic.
Excellent/Good

Advantages of Chase Freedom®:

  • Chase Freedom® is our favorite cash back card when it comes to earning 5% cash back in quarterly rotating categories. The catch is that you can only earn that 5% on up to $1,500 in combined purchases per quarter, and you need to activate your 5% cash back every three months. For the rest of your purchases, you earn an unlimited 1% cash back. We love that cash back rewards do not expire.
  • 5% cash back categories for 2018 are:
  • Jan - Mar: Gas stations, Internet/Phone Services/Cable, Chase Pay®, Android PayTM, Apple Pay® and Samsung Pay.

    Apr - Jun: Grocery stores (not including Walmart® and Target® purchases), PayPal and Chase Pay®.

    Jul - Sep: Gas stations, Lyft and Walgreens.

    Oct - Dec: Department stores, wholesale clubs and Chase Pay®.

  • This Visa card now comes with a high signing bonus - the $150 Bonus is earned after spending $500 on purchases within the first 3 months.
  • You can benefit from an introductory 0% intro APR for 15 months for purchases and balance transfers. After that, there is a 16.99% - 25.74% variable APR on both purchases and balance transfers. This card has no annual fee. Read our review of Chase Freedom® here.

Downsides of Chase Freedom®:

  • We are hard-pressed to find a drawback for Chase Freedom® because it's that awesome. But if we really have to dig for one, it would be that you'd have to activate in order to earn your 5% cash back every quarter. Even so, you can sign up for reminders via text message or email. Even if you don't activate until late in the quarter, you will still earn 5% cash back dating back to the start of the new quarter, as long as you do it before the deadline!

Bottom Line:

Chase Freedom® is a top-notch card when it comes to great 5% quarterly rotating categories of spending.

GET.com's Favorite For Gas And Groceries (No Annual Fee)

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Cash Rewards credit card - $200 Cash Rewards Offer

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

APPLY NOWAt Bank of America's secure website
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

Why we like it
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
We least like
  • 3% foreign transaction fee.
Excellent/Good

Advantages of Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer:

  • The best thing about Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer is that it combines high cash back for gas and grocery store spending with no annual fee. You earn 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs on the first $2,500 you spend on combined grocery store, wholesale clubs and gas purchases every quarter. For all other purchases, you will earn 1% cash back.
  • This card comes with an offer that lets you earn a $200 online cash rewards bonus after you make at least $500 in purchases in the first 90 days of account opening.
  • You don't need to enroll in a rewards program in order to earn cash back, and there are no changing categories, so it's easy to estimate potential savings. Cash back does not expire.
  • You can redeem cash back as a statement credit or get a 10% customer bonus by redeeming cash back into a Bank of America® checking or savings account. If you're a Preferred Rewards client, you can increase that bonus to 25%-75%.
  • There is a 0% intro APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then 15.24% - 25.24% variable APR. Balance transfer fees are 3% of each transaction with a minimum of $10.
  • We like that Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer comes with chip technology for enhanced security and protection at chip-enabled terminals. Here is our Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer review.

Downsides of Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer:

  • If you have excellent credit and don't mind paying an annual fee, there are cards with higher cash back out there.

Bottom Line:

We love Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer for its high cash rewards for gas and grocery store spending and its no annual fee.

GET.com's Best For Earning Cash Back Twice And Citi Price Rewind

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months*

15.49% - 25.49%* (Variable)

$0*

Why we like it
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
  • Introductory APR offer.
Excellent, Good

Advantages of Citi® Double Cash Card – 18 month BT offer:

  • Citi® Double Cash Card – 18 month BT offer, a partner card, lets you 2% cash back on purchases: You earn 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Now, that's rewarding you for responsible card usage!
  • The amount of cash back you can earn is unlimited. You can redeem cash back in the form of a statement credit, check or gift card, starting at $25.
  • You don't need to enroll in any cash back categories.
  • You get to enjoy the complimentary Citi® Price Rewind benefit as a cardholder. Simply buy an item with this card and register your purchase online within 60 days. Price Rewind will search online for a lower price in those 60 days. If a lower price is found, you can request a refund of the price difference.
  • There is a 0% intro APR for 18 months on balance transfers and a 15.49% - 25.49% variable APR, based on your creditworthiness, thereafter. You can learn more about the applicable balance transfer fee and how making a balance transfer impacts interest on purchases by clicking the "Apply Now" button. No annual fee. Here is our review of Citi® Double Cash Card – 18 month BT offer.

Downsides of Citi® Double Cash Card – 18 month BT offer:

  • No 5% bonus categories. You earn a flat-rate unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Bottom Line:

Citi® Double Cash Card – 18 month BT offer makes it easy for people who want a card that is fuss-free and yet offers 2% cash back. There are no limits on the amount of cash back you can earn and you don't need to enroll in any bonus categories. The possibility of a price refund should Price Rewind find a better online deal for your purchased item is a deal sweetener!

GET.com's Best For Earning Cash Back with a 10% Anniversary Bonus

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
HSBC Cash Rewards Mastercard<sup>®</sup> credit card

HSBC Cash Rewards Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt HSBC's secure website

0% Introductory APR on balance transfers for the first 15 months from account opening

Variable APR of 14.99%, 18.99% or 24.99% will be applied

$0

Good/Excellent

Advantages of HSBC Cash Rewards Mastercard® credit card:

  • HSBC Cash Rewards Mastercard® credit card lets you earn unlimited 1.5% cash rewards on all your purchases. After the 6 month period is over you earn 1.5% cash rewards on all the purchases purchases you make. That's quite a bit of cash back for one card.
  • Earn a 10% Anniversary Bonus on all Cash Rewards earned once a year, every year.
  • As an intro bonus you earn a $150 cash rewards after you spend $2,500 in the first 3 months of owning this card.
  • Enjoy a $0 annual fee, no foreign transaction fees and $0 liability for all unauthorized purchases. Terms Apply.
  • With this card you get a 0% introductory APR for 15 months on balance transfers and a 14.99%, 18.99% or 24.99% variable APR, after that. Here is our review of HSBC Cash Rewards Mastercard® credit card.

Downsides of HSBC Cash Rewards Mastercard® credit card:

  • You need to have good to excellent credit to apply for this card. If you don't have good to excellent credit, avoid applying for this card since getting rejected can hurt your credit score even further.

Bottom Line:

HSBC Cash Rewards Mastercard® credit card helps you earn cash back at a fast rate as it lets you earn unlimited 1.5% cash back on all your purchases, $150 cash rewards as an intro bonus after you spend $2,500 in the first 3 months and a 10% Anniversary Bonus on all Cash Rewards earned once a year.

GET.com's Best For Earning Cash Back at U.S Supermarkets, U.S Gas Stations and U.S Department Stores With A Long Intro APR

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Blue Cash Everyday<sup>®</sup> Card from American Express

Blue Cash Everyday® Card from American Express

APPLY NOWAt American Express' secure website
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 15 months

14.99%-25.99% Variable

$0

Excellent, Good

Advantages of Blue Cash Everyday® Card from American Express:

  • Blue Cash Everyday® Card from American Express, a GET.com advertiser, lets you earn $150 back in statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. This offer is only for new sign-ups!
  • Earn 3% cash back on purchases made at U.S. supermarkets (up to $6,000 per year in purchases, 1% cash back thereafter), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% cash back on other eligible purchases.
  • There is no minimum spending required for these cash rebates, and you don't even need to enroll.
  • You can start redeeming your Reward Dollars for statement credit when you have earned at least $25 Reward Dollars.
  • There is a 0% intro APR on purchases and balance transfers for 15 months, 14.99% - 25.99% variable APR thereafter. No annual fee. Here is our review of Blue Cash Everyday® Card from American Express.

Downsides of Blue Cash Everyday® Card from American Express:

  • You will incur high penalty fees and a high 29.99% variable penalty APR if you pay your credit card bill late.

Bottom Line:

Blue Cash Everyday® Card from American Express will benefit you if you want to earn generous cash back at U.S supermarkets, U.S gas stations and U.S department stores without paying an annual fee. This card also provides many travel benefits, purchase protection, return protection, extended warranty and many other premium services. Terms apply.

GET.com's Best For Earning Cash Back at U.S Supermarkets, U.S Gas Stations and U.S Department Stores

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

APPLY NOWAt American Express' secure website
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.99%-25.99% Variable

$95

Excellent, Good

Advantages of Blue Cash Preferred® Card from American Express:

  • Blue Cash Preferred® Card from American Express is an excellent rewards card that lets you earn $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Earn 6% cash back for the first $6,000 you spend in purchases at U.S. supermarkets per year (1% thereafter). Earn 3% cash back at U.S. gas stations and 1% cash back on other eligible purchases.
  • The cash back you earn is in the form of Rewards Dollars that are redeemable as a statement credit.
  • As a Blue Cash Preferred® Card from American Express Card Member, you can enroll for complimentary ShopRunner membership to enjoy free 2-day shipping, plus free return shipping on eligible items, when you use your card to pay for purchases at over 120 participating online stores including stores like PetSmart, Claire's and Toys R Us.
  • There is a $95 annual fee and a 0% intro APR on purchases and balance transfers for 12 months with a 14.99% - 25.99% variable APR after that. Here is our review of Blue Cash Preferred® Card from American Express.

Downsides of Blue Cash Preferred® Card from American Express:

  • If you want to redeem your cash back, you have to have at least $25 in cash back in order to redeem it.

Bottom Line:

Blue Cash Preferred® Card from American Express is one of the most rewarding cash back credit cards for purchases at U.S. supermarkets you can get. The cash back you earn at U.S. gas stations and at select U.S. department stores is also very competitive. Terms apply.

GET.com's Best Cash Rewards Card For Dining Out With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

14.74% - 24.74% (Variable)

$0

Excellent, Good

Advantages of Capital One® SavorOne℠ Cash Rewards Credit Card:

  • Capital One® SavorOne℠ Cash Rewards Credit Card is a competitive cash rewards card that has a great one-time $150 cash bonus that you'll receive after you spend $500 on purchases within the first 3 months from opening your account.
  • When dining out and spending on entertainment you earn an impressive 3% cash back, you earn 2% cash back when shopping at grocery stores and 1% on all the other purchases you make on a daily basis.
  • Capital One® SavorOne℠ Cash Rewards Credit Card has no rotating categories so you don't have to wait for seasonal offers to earn great cash back. There are no sign-ups needed to earn your cash rewards and as an added plus, your cash back won't expire for as long as you have your account open. There is absolutely no limit to how much cash back you can earn
  • This card has no foreign transaction fees and a $0 annual fee.
  • There is a 0% intro APR on purchases and balance transfers for 15 months with a 14.74% - 24.74% variable APR after that, as well as a 3% fee on the amounts transferred within the first 15 months. Here is our review of Capital One® SavorOne℠ Cash Rewards Credit Card.

Downsides of Capital One® SavorOne℠ Cash Rewards Credit Card:

  • This card is for people with excellent and good credit. Only those with good or excellent credit should consider applying for Capital One® SavorOne℠ Cash Rewards Credit Card. Being rejected can damage your credit further.

Bottom Line:

Capital One® SavorOne℠ Cash Rewards Credit Card is a competitive cash rewards card with an excellent bonus offer and also lets you earn great cash back on dining, groceries, entertainment and all the other purchases you make on a daily basis.

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GET.com's Tips For Using Cash Back Cards

You may have noticed that each cash back card offers slightly different benefits. Some cash back credit cards may give you up to 5% rebates when you spend on certain categories of purchases each quarter of the year (for example, groceries, gas, home improvement, travel, etc), whereas others may give you a flat cash rebate throughout the year. You might want to consider getting more than one cash back card so that you can get discounts on different types of purchases, and benefit from each card's unique privileges.

Instead of using cash or debit cards to make purchases, why not use cash back credit cards so that you can save more money? You could also get additional cards for your family members so that they too can get cash rebates when they buy household items. All these cash rebates will mean huge savings and discounts for you over time.

Do note that for some cards, the cash back you earn may expire after a certain period of time, or if you don't spend on your card for a period of time. Some cards may also have a cap on the amount of cash back you can earn each year. If you are a big spender, you should go for cards that don't have any maximum limit on how much you can accumulate.

Cash Back Rewards Programs

Cash back rewards programs are similar to other rewards programs. You usually earn points of some kind, which can then be redeemed for statement credit or even as cold hard cash in the form of a check or a deposit into your checking or savings account.

Here you can find the main differences and benefits offered by some of the most popular cash back programs in the US.

  1. Chase Ultimate Rewards®

    This program is used by Chase rewards cards like Chase Freedom® and Chase Sapphire Preferred® Card. The cash back you earn is actually earned as Chase Ultimate Rewards® points, which you can then redeem for cash back at a rate of 1 point per 1 cent (100 points per $1).

    You can choose to redeem your cash back for statement credit or for a direct deposit. A nice perk is that you can combine the rewards you've earned on several Chase credit cards that earn Chase Ultimate Rewards® points.

  2. Discover Cashback Bonus

    If you have a cash back card from Discover, then this is the cash back program you use. Any Cashback Bonus you earn will be credited to your Cashback Bonus account within two billing periods.

    This flexible program does offer a lot. It lets you redeem any amount of Cashback Bonus, anytime.

    You can also use Cashback Bonus to pay at checkout on Amazon.com or redeem it for gift cards. You can redeem your Cashback Bonus for higher value gift cards from Discover partners, so redeeming for gift cards is one of the best ways to get more value from this program.

    Alternatively you can redeem cash back as donations to charitable organizations. All things said, this is a very flexible cash back program.

  3. American Express Reward Dollars

    This is the cash back currency you earn when you use American Express cash back cards like Blue Cash Everyday® Card from American Express, a GET.com advertiser.

    You earn Reward Dollars, which are points Amex uses to track your cash back. You can redeem cash back as statement credit, but not as a bank deposit. Reward Dollars must be redeemed for cash back in $25 increments.

    You can also redeem Reward Dollars for gift cards, and you can get good value redeeming this way, especially when discounted gift cards are available on the Reward Dollars website. You can also redeem cash back for merchandise. Terms apply.

  4. Bank of America® Cash Rewards

    If you like cold hard cash, this is a very rewarding cash back program to use. You earn cash rewards using cash back credit cards from Bank of America. You can redeem your cash rewards for statement credit, or as a deposit into a Bank of America® checking or savings account (or a Merrill Lynch Cash Management Account).

    Redeeming your cash rewards into a Bank of America® checking or savings account lets you earn a 10% customer bonus. So $200 worth of cash rewards redeemed as a deposit into your eligible Bank of America® checking or savings account will give you $220.

    If you have enough savings, you may be eligible to enroll in the Bank of America Preferred Rewards program. This additional program lets you get a higher customer bonus when you redeem your cash back into a Bank of America® checking or savings account.

    The Gold tier applies if you have an average combined balance of $20K to $50K in your eligible Bank of America® checking or savings account over a 3-month period. If you qualify for the Gold tier, you will earn a 25% rewards bonus instead of the usual 10% on eligible Bank of America credit cards. That means if you redeem $200 worth of cash rewards as a deposit into your Bank of America® checking or savings account, you can get $250.

    The Platinum tier applies if you have an average combined balance of $50K to $100K in your Bank of America® checking or savings account (in a 3 month period). You earn a 50% rewards bonus on eligible Bank of America credit cards when you redeem cash rewards into your Bank of America® checking or savings account. So $200 of cash rewards could give you $300.

    The Platinum Honors tier is not for everybody. You need a 3-month average combined balance of over $100K in your Bank of America® checking or savings account to be eligible. But if you have that kind of money, this tier is very rewarding. You can get a 75% rewards bonus when you redeem your cash rewards from eligible Bank of America credit cards as a deposit into your Bank of America® checking or savings account. That means $200 worth of cash rewards becomes $350 when you redeem them this way.

How We Rate Cash Back Cards

Cash back cards are rated by GET.com based on bonus offers, cash back categories, maximum cash back you can earn and card fees. Our goal is to provide you with a clear picture of how a card performs compared to other similar cards.

We look at how cash back is earned and redeemed, how much cash back is worth in actual cash value, and whether cash back can be redeemed in different ways. We place a high emphasis on cards that let you earn cash back in popular categories like gas, groceries and restaurants.

Other important factors that feature in our card ratings are the presence or absence of caps on cash back earnings, whether or not cash back expires, and whether cash back is earned in fixed or changing categories. The annual fee, ongoing APR, introductory APR period, card benefits and other card fees are also accounted for.