Cashback
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
Capital One Quicksilver Cash Rewards Credit Card
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Rewards rate
1.5% cash back on every purchase, every day.
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Pros & cons
$0 annual fee.
Unlimited 1.5% cash back on all purchases.
$200 cash bonus intro offer.
0% intro APR on purchases and balance transfers for 15 months.
No foreign transaction fees.
High variable APR after the intro period.
Balance transfer fee applies after the intro APR period.
Card Details
The Capital One Quicksilver Cash Rewards Credit Card is ideal for those seeking simple cash back. Earn unlimited 1.5% back on everything, plus a $200 bonus after spending $500 within 3 months. Enjoy no annual fee, a 0% intro APR on purchases and balance transfers for 15 months, and no foreign transaction fees. While the APR is variable after the intro period, this card offers straightforward rewards for everyday spending.
Capital One QuicksilverOne Cash Rewards Credit Card
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Rewards rate
1.5% cash back on every purchase, every day.
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Pros & cons
Unlimited 1.5% cash back on all purchases.
Automatic consideration for a higher credit line in as little as 6 months.
Access to CreditWise to monitor your credit score for free.
$0 Fraud Liability for unauthorized charges.
$39 annual fee.
High variable APR of 30.74%.
No specific intro APR offer mentioned.
Card Details
The Capital One QuicksilverOne Cash Rewards Credit Card earns unlimited 1.5% cash back on everyday purchases for a $39 annual fee. It’s designed for those with fair credit and includes automatic credit line reviews and free credit monitoring through CreditWise®. Be mindful of the high APR.
Capital One SavorOne Cash Rewards Credit Card
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Rewards rate
3% cash back on dining, entertainment, popular streaming services, and at grocery stores.
5% cash back on hotels and rental cars booked through Capital One Travel.
1% cash back on all other purchases.
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Pros & cons
$0 annual fee and no foreign transaction fees.
3% cash back on dining, entertainment, streaming services, and groceries.
$200 cash bonus intro offer.
0% intro APR on purchases and balance transfers for 15 months.
High variable APR after the intro period.
1% cash back on all other purchases might be low for some users.
Balance transfer fee applies after the intro APR period.
Card Details
The Capital One SavorOne Cash Rewards Credit Card is perfect for foodies and entertainment enthusiasts! Earn 3% on dining, entertainment, streaming services, and groceries, plus 5% on hotels and rental cars booked through Capital One Travel. Enjoy no annual fee, a $200 bonus, and a 0% intro APR on purchases and balance transfers for 15 months.
Capital One SavorOne Cash Rewards for Good Credit
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Rewards rate
Unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores.
1% on all other purchases.
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Pros & cons
$0 annual fee, making it a cost-effective choice for individuals with good credit.
Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered through November 14, 2024.
No foreign transaction fees, ideal for international purchases.
Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
High variable APR, which can be costly if carrying a balance.
No specific intro APR offer or new cardmember bonus cash, which are common benefits in other credit cards.
The enhanced cash back rates are limited to specific categories.
Card Details
The Capital One SavorOne Rewards for Good Credit card is built for foodies and entertainment enthusiasts. Earn unlimited 3% cash back on dining, entertainment, streaming services, and groceries, plus 10% back on Uber and Uber Eats (plus complimentary Uber One membership through 11/14/2024). Enjoy no annual fee or foreign transaction fees. While the APR is high, this card offers significant rewards in popular spending categories.
Capital One Quicksilver Cash Rewards for Good Credit
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Rewards rate
Unlimited 1.5% cash back on every purchase, every day
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Annual Fee
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Pros & cons
$0 annual fee, making it accessible for those with good credit.
Earn 1.5% cash back on all purchases without any limits or category restrictions.
No foreign transaction fees, making it a good option for international purchases.
Up to 6 months of complimentary Uber One membership through 11/14/2024, offering additional savings on Uber and Uber Eats.
High variable APR, which can be costly if carrying a balance.
No introductory bonus offer or APR promotion, which are commonly found with other credit cards.
Cash back rate, while competitive, may not be as high as some specialized cards in specific categories.
Card Details
The Capital One Quicksilver for Good Credit card simplifies cash back for those with good credit. Earn unlimited 1.5% back on everything, with no annual fee or foreign transaction fees. Enjoy up to 6 months of complimentary Uber One membership (through 11/14/2024) for additional savings on rides and food delivery. While it lacks a sign-up bonus and the APR is high, this card is ideal for those seeking everyday cash rewards without complicated categories.
Bank of America Unlimited Cash Rewards Credit Card
Rewards rate
Earn unlimited 1.5% cash back on all purchases.
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Pros & cons
No annual fee.
Unlimited 1.5% cash back on all purchases.
Introductory 0% APR on purchases and balance transfers for the first 15 billing cycles.
Cash rewards do not expire and there is no limit to the amount of cash back you can earn.
High variable APR after the introductory period.
Balance transfer fee of 3% after the first 60 days.
Cash back rate may not be as competitive for specific categories compared to other cards.
Card Details
The Bank of America Cash Rewards credit card simplifies your finances with straightforward rewards. Earn an unlimited 1.5% cash back on all purchases, a $200 online cash rewards bonus, and enjoy no annual fee. Cash rewards never expire and there’s no limit to how much you can earn. Plus, enjoy an introductory 0% APR on purchases and balance transfers for the first 15 billing cycles for potential interest-free financing on larger purchases or debt consolidation. However, keep in mind the variable APR that kicks in after the intro period and the 3% balance transfer fee (after the first 60 days). While the cash back rate might be less competitive in specific categories, this card excels for those seeking simplicity, flexibility, and the potential for interest savings.
Bank of America Customized Cash Rewards credit card
Rewards rate
3% cash back in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans, and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings.
2% cash back at grocery stores and wholesale clubs.
Unlimited 1% cash back on all other purchases.
3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
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Pros & cons
Flexible cash back categories with the option to earn 3% cash back.
No annual fee.
Introductory 0% APR on purchases and balance transfers for the first 15 billing cycles.
Preferred Rewards members can earn 25%-75% more cash back on every purchase.
3% and 2% cash back rewards are limited to the first $2,500 in combined purchases each quarter, then 1% thereafter.
High variable APR after the introductory period.
Balance transfer fee of 3%.
Card Details
The Bank of America® Customized Cash Rewards credit card offers flexible cash back for businesses. Earn 3% in your choice category (up to $2,500 in quarterly purchases, then 1%), 2% at grocery stores and wholesale clubs, and 1% on everything else. Enjoy a $200 sign-up bonus, no annual fee, and an intro 0% APR on purchases and balance transfers. Ideal for businesses seeking customizable rewards to maximize cash back.
Blue Cash Everyday Card from American Express
Rewards rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
3% Cash Back at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
1% Cash Back on other purchases.
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Pros & cons
No annual fee.
Generous cash back rates on groceries, gas, and online retail purchases.
Introductory 0% APR on purchases and balance transfers for 15 months.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Cash back rates drop to 1% after reaching the $6,000 limit in the bonus categories.
Higher variable APR after the introductory period.
Card Details
The Blue Cash Everyday® Card from American Express delivers cash back on everyday spending. Earn 3% on groceries, gas, and online retail (up to $6,000 per category, then 1%) and enjoy no annual fee. Get a 0% intro APR on purchases and balance transfers for 15 months. While cash back rates drop after the spending cap, this card is ideal for those seeking simple rewards on common expenses.
Blue Cash Preferred Card from American Express
Rewards rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back on transit, including taxis, rideshare, parking, tolls, trains, buses, and more.
3% Cash Back at U.S. gas stations.
1% Cash Back on other purchases.
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Pros & cons
High cash back rates on groceries and streaming subscriptions.
Cash back on transit and gas expenses.
Introductory $0 annual fee for the first year.
Introductory 0% APR on purchases and balance transfers for the first 12 months.
$95 annual fee after the first year.
High cash back rates apply to $6,000 per year in purchases in specific categories, then drop to 1%.
Card Details
The Blue Cash Preferred® Card from American Express delivers high cash back on everyday spending. Earn 6% on US supermarkets (up to $6,000 per year, then 1%), 6% on select US streaming subscriptions, and 3% on gas and transit. Enjoy a $0 intro annual fee the first year, then $95. While there are spending caps on the high-earning categories, this card is ideal for those who prioritize cash back on groceries, streaming, and travel-related expenses.
Discover it Chrome
Rewards rate
2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Plus, earn unlimited 1% cash back on all other purchases.
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Pros & cons
Earn 2% cash back at Gas Stations and Restaurants
Cashback Match at the end of your first year.
No annual fee.
Cash back rewards do not expire.
High APR for cash advances.
Requires activation for maximizing cash back rewards.
Card Details
The Discover it® Chrome Card simplifies rewards! Earn 2% cash back on gas and restaurants (up to $1,000 per quarter), and 1% on everything else – all automatically. Plus, double your first year’s rewards with the Cashback Match! Enjoy no annual fee and the peace of mind that your rewards never expire.