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 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 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
See rates and fees
Rewards rate
Unlimited 1.5% cash back on every purchase, every day
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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.
Costco Anywhere Visa Card by Citi
Rewards rate
4% Cash Back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter.
3% Cash Back on restaurants and eligible travel purchases worldwide.
2% Cash Back on all other purchases from Costco and Costco.
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1% Cash Back on all other purchases.
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Pros & cons
High cash back rates on gas, travel, and dining.
Additional cash back on Costco purchases.
No foreign transaction fees.
A range of protection and travel benefits.
Cash back is redeemable once a year and only at Costco.
Requires a Costco membership.
Card Details
The Costco Anywhere Visa Card by Citi delivers serious cash back for Costco members! Earn 4% on gas and EV charging (up to $7,000 per year), 3% on restaurants and travel, and 2% on all Costco purchases. Enjoy no foreign transaction fees and a range of protection benefits. Remember, cash back is only redeemable yearly at Costco, and you must have a membership. Still, if you’re a frequent Costco shopper, this card offers compelling value.