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 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.
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.
Discover it Cash Back
Rewards rate
5% Cash Back: Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1% Cash Back: Earn 1% cash back on all other purchases.
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Pros & cons
Earn 5% cash back
Unlimited Cashback Match at the end of your first year.
No annual fee.
Cash back rewards never expire.
High APR for cash advances.
Cashback on rotating categories requires activation.
Card Details
The Discover it® Cash Back card delivers serious rewards! Earn 5% on rotating categories each quarter (up to the quarterly maximum, activation required) and 1% on everything else. Plus, get an unlimited Cashback Match at the end of your first year! There’s no annual fee and rewards never expire. Just note the high APR for cash advances if you don’t plan to pay your balance in full.
Citi Rewards+ Card
Rewards rate
Earn 2 ThankYou Points per $1 spent at supermarkets and gas stations for the first $6,000 per year, then 1 ThankYou Point per $1 spent thereafter.
Earn 1 ThankYou Point per $1 spent on all other purchases.
Special Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through June 30, 2024.
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Pros & cons
No annual fee.
Round up to the nearest 10 points on every purchase.
Get 10% Points Back for the first 100,000 points redeemed per year.
Earn 5X points on travel booked through Citi Travel℠ until June 30, 2024.
2X points on supermarkets and gas stations are capped at the first $6,000 per year.
Intro APR for balance transfers and purchases applies only for the first months, followed by a variable APR based on creditworthiness.
Card Details
The Citi Rewards+ Card maximizes everyday spending! It rounds up to the nearest 10 points on every purchase, offers 10% points back on redemptions (up to 100,000 points annually), and has no annual fee. Get 5X points on travel booked through Citi Travel (limited time) and 2X points at supermarkets and gas stations (up to $6000/year). Keep in mind the intro APR is temporary. This card is ideal for those seeking hassle-free rewards without complicated tracking.
Citi Double Cash Card
Rewards rate
Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
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Pros & cons
Earn 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
No annual fee.
Offers for a limited time include earning 5% total cash back on hotel and car rentals booked through the Citi Travel℠ portal until 12/31/24.
Cash back on balance transfers, cash advances, account fees, interest, or returned items is not earned.
Card Details
Earn double cash back on everything with the Citi Double Cash Card! Get 1% cash back when you buy and another 1% when you pay, with no caps or complicated categories. Enjoy no annual fee and a limited-time 5% cash back bonus on hotels and car rentals through the Citi Travel℠ portal (until 12/31/24). Just note, balance transfers, cash advances, and similar transactions don’t earn cash back. For hassle-free cash back rewards, the Citi Double Cash Card is a fantastic choice.
Ink Business Premier Credit Card
Rewards rate
5% cash back on purchases of $5,000 or more.
2% cash back on all other business purchases.
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Pros & cons
High cash back rate on large purchases.
Unlimited 2% cash back on all purchases.
No foreign transaction fees.
High annual fee.
Requires $10,000 spend for intro offer.
Best rewards reserved for large purchases.
Card Details
Amplify your business rewards with the Ink Business Premier® Credit Card! Earn a $1,000 cash back bonus and a powerful 2.5% back on purchases over $5,000, plus 2% back on everything else. Ideal for businesses with high spending, this card offers unlimited cash back, no foreign transaction fees, and employee cards at no extra cost. Streamline expenses and maximize rewards! ($195 annual fee, variable APR applies)
Ink Business Unlimited Credit Card
Rewards rate
5% cash back on all purchases.
5% cash back on Lyft rides through March 2025.
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Pros & cons
Unlimited 1.5% cash back on purchases.
No annual fee.
0% intro APR for 12 months on purchases.
Bonus requires $6,000 spend in 3 months.
Flat cash back rate may not maximize specific category spending.
Card Details
Effortless cash back rewards for your business! The Ink Business Unlimited Credit Card keeps things simple, offering a flat 1.5% cash back on all your business purchases. No need to worry about tracking spending categories – everything you buy earns rewards. Plus, enjoy a limited-time boost with an additional 5% cash back on Lyft rides.
New cardholders are greeted with a generous $750 cash back bonus after meeting a minimal spending requirement. There’s no annual fee to worry about, and the card even offers a 0% introductory APR on purchases for the first year, making it a budget-friendly option for growing businesses.