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
See rates and fees
Rewards rate
1.5% cash back on every purchase, every day.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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
See rates and fees
Rewards rate
1.5% cash back on every purchase, every day.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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
See rates and fees
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
Bank of America Unlimited Cash Rewards Credit Card
Rewards rate
Earn unlimited 1.5% cash back on all purchases.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.
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.
com.
1% Cash Back on all other purchases.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
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.