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Best Cash-Back Credit Cards for January 2024

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Evan Zimmer

Evan Zimmer

Evan Zimmer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

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Edited by

Jaclyn DeJohn

Jaclyn DeJohn

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.

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Reviewed by

Shonda Martin

Shonda Martin

Shonda Martin

Expert Reviewer

Shonda Martin is the founder of Road To 750, a credit repair and wealth program. Martin is also an expert in minority homeownership and FICO score enhancement. As "The Credit Queen" on social media, Martin works to simplify complex financial topics, making her a go-to authority. Her mastery of FICO scoring models and knack for uncovering credit opportunities set her apart.

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Updated Jan. 16, 2024

7 min read

Written, edited and reviewed by

Evan Zimmer Jaclyn DeJohn Evan Zimmer + 2 others

Written by

Evan Zimmer

Evan Zimmer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

See full bio

Edited by

Jaclyn DeJohn

Jaclyn DeJohn

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.

See full bio

Reviewed by

Shonda Martin

Shonda Martin

Shonda Martin

Expert Reviewer

Shonda Martin is the founder of Road To 750, a credit repair and wealth program. Martin is also an expert in minority homeownership and FICO score enhancement. As "The Credit Queen" on social media, Martin works to simplify complex financial topics, making her a go-to authority. Her mastery of FICO scoring models and knack for uncovering credit opportunities set her apart.

See full bio

  • CNET'S PICK

    CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    2% Earn unlimited 2% cash rewards on purchases

    Intro offer available Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

    Apply Now with Wells Fargo

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1.5% Earn 1.5% unlimited cash back on card purchases every time you make a payment

    Intro offer available $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

    Apply Now with Upgrade

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 5% Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership; Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); Earn unlimited 1% back on all other purchases

    Intro offer available Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

    Learn More

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!; 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; Unlimited 1% cash back on all other purchases.

    Intro offer available Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    Learn More

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 5% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.; Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

    Intro offer available Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

    Apply Now with Citi

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0 intro annual fee for the first year, then $95.

    Rewards Rate

    1% - 6% 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

    Intro offer available Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

    Apply Now with American Express

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1.5% - 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; 1.5% on all other purchases

    Intro offer available Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    Learn More

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.; Earn unlimited 1% cash back on all other purchases.

    Intro offer available Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

    Apply Now with Citi

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1.5% - 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply; Earn unlimited 1.5% cash back on every purchase, every day

    Intro offer available Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

    Learn More

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.; Plus, earn unlimited 1% cash back on all other purchases - automatically.

    Intro offer available Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

    Learn More

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 8% 8% Cash Back on Capital One Entertainment purchases; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 1% Cash Back on all other purchases

    Intro offer available Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

    Learn More

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1.5% - 2.5% 2.5 percent cash back on all purchases (on up to $10,000 in qualifying purchases each billing cycle, then 1.5 percent) with a qualifying Tier One Rewards status; Unlimited 1.5 percent cash back with Tier Two Rewards status

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 3% 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, then 1%.; 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.; 1% Cash Back on other purchases.

    Intro offer available Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

    Apply Now with American Express

  • CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

    Annual Fee $0

    Rewards Rate

    1% - 4% 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; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases

Eliminating high-interest debt and building healthy credit habits are essential prerequisites to enjoying the perks of a rewards credit card.

Even the best cash back rewards won’t outweigh the cost of revolving debt on a card earning double-digit interest. What’s more, you may risk rejection from issuers, who often reserve approval for applicants with the best credit scores, especially in today’s economic environment. Before seeking the best cash back rewards for your wallet, make sure you’re prepared to use your new card responsibly. Work towards building a good credit score alongside healthy credit habits like timely payments, paying balances in full, and low credit utilization.

Cash back is easy to earn and use. Every time you make a purchase with your card, a percentage of that purchase will be returned to you in the form of rewards. That means you can get money back in your pocket for regular expenses like gas or groceries.

Cash-back credit cards wear a lot of different hats. There are flat-rate credit cards that earn the same rate no matter what you’re buying, tiered cash-back cards that earn a higher rate for specific purchases, and cash-back cards with bonus categories that change quarterly, or every three months. Here are some of the best.

CNET’S PICK

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Rewards Rate

2% Earn unlimited 2% cash rewards on purchases

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

20.24%, 25.24%, or 29.99% Variable APR

The Active Cash card is the best general credit card you could choose. Not only does it reward you for your purchases, but it also features a welcome bonus that’s easy to reach through normal spending and an introductory APR offer on purchases and qualifying balance transfers.

And all of the benefits come with no annual fee. The Active Cash card slightly outranks its main competitor, the Citi Double Cash, thanks to additional features like phone protection and access to a few Visa Signature benefits. Its lack of annual fee makes it easy to pair with a credit card that covers multiple bonus categories, too.

You can learn more in our Wells Fargo Active Cash card review.

Intro Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers
Intro Purchase APR
0% intro APR for 15 months from account opening
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
up to 5%, min: $5

2%

Earn unlimited 2% cash rewards on purchases

The Active Cash card is the best general credit card you could choose. Not only does it reward you for your purchases, but it also features a welcome bonus that’s easy to reach through normal spending and an introductory APR offer on purchases and qualifying balance transfers.

And all of the benefits come with no annual fee. The Active Cash card slightly outranks its main competitor, the Citi Double Cash, thanks to additional features like phone protection and access to a few Visa Signature benefits. Its lack of annual fee makes it easy to pair with a credit card that covers multiple bonus categories, too.

You can learn more in our Wells Fargo Active Cash card review.

Intro Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers
Intro Purchase APR
0% intro APR for 15 months from account opening
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
up to 5%, min: $5

2%

Earn unlimited 2% cash rewards on purchases

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

Rewards Rate

1.5% Earn 1.5% unlimited cash back on card purchases every time you make a payment

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

580 – 850 Fair – Excellent

The Upgrade Cash Rewards Visa card combines a personal loan with a credit card. You use your card for purchases, but at the end of the month, your balance is converted to a personal loan with a set interest rate and monthly payment.

It’s more personal loan than credit card, but it could be a good way to finance a large purchase if you don’t have time to save up for it.

You can learn more in our Upgrade Cash Rewards Visa card review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
14.99% – 29.99% APR
Balance Transfer Fee
Up to 5%

1.5%

Earn 1.5% unlimited cash back on card purchases every time you make a payment

The Upgrade Cash Rewards Visa card combines a personal loan with a credit card. You use your card for purchases, but at the end of the month, your balance is converted to a personal loan with a set interest rate and monthly payment.

It’s more personal loan than credit card, but it could be a good way to finance a large purchase if you don’t have time to save up for it.

You can learn more in our Upgrade Cash Rewards Visa card review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
14.99% – 29.99% APR
Balance Transfer Fee
Up to 5%

1.5%

Earn 1.5% unlimited cash back on card purchases every time you make a payment

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Get a $100 Amazon Gift Card Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Rewards Rate

1% – 5% Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership; Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); Earn unlimited 1% back on all other purchases

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

19.49% – 27.49% Variable

It’s nearly impossible to match the number of products Amazon offers shoppers, and its Prime Visa is almost as impressive. It’s important to note that, while it doesn’t carry an annual fee, you’ll need to subscribe to Amazon Prime ($139 annually) to qualify. Otherwise, there’s a non-Prime version.

Unlike many retailer-specific credit cards, you can also earn rewards outside of the Amazon ecosystem. The welcome bonus is also unique in that you can earn a $100 Amazon gift card upon approval -- no spending requirements necessary to unlock it.

You can learn more in our Prime Visa review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
19.49% – 27.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

5%

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership

2%

Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)

1%

Earn unlimited 1% back on all other purchases

It’s nearly impossible to match the number of products Amazon offers shoppers, and its Prime Visa is almost as impressive. It’s important to note that, while it doesn’t carry an annual fee, you’ll need to subscribe to Amazon Prime ($139 annually) to qualify. Otherwise, there’s a non-Prime version.

Unlike many retailer-specific credit cards, you can also earn rewards outside of the Amazon ecosystem. The welcome bonus is also unique in that you can earn a $100 Amazon gift card upon approval -- no spending requirements necessary to unlock it.

You can learn more in our Prime Visa review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
19.49% – 27.49% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

5%

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership

2%

Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)

1%

Earn unlimited 1% back on all other purchases

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Rewards Rate

1% – 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!; 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; Unlimited 1% cash back on all other purchases.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

20.49% – 29.24% Variable

Few other cards can match the versatility of the Chase Freedom Flex**. Its rewards span across multiple different purchase categories and it offers a nice selection of additional card perks, along with an introductory APR offer.

Even some credit cards with an annual fee have a hard time matching the earning potential of the Freedom Flex. It’s only held back somewhat by its spending limit on its quarterly rotating category -- which, for October through December, are PayPal, wholesale clubs and select charities -- but even when that limit is hit, you can still earn a good return for purchases in its other bonus categories.

Keep in mind you’ll need to activate the bonus categories manually each quarter. However, even if you activate late, you’ll earn retroactive rewards as long as you activate by the deadline.

You can read more in our Chase Freedom Flex review.

Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular APR
20.49% – 29.24% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

5%

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

5%

5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

3%

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

1%

Unlimited 1% cash back on all other purchases.

Few other cards can match the versatility of the Chase Freedom Flex**. Its rewards span across multiple different purchase categories and it offers a nice selection of additional card perks, along with an introductory APR offer.

Even some credit cards with an annual fee have a hard time matching the earning potential of the Freedom Flex. It’s only held back somewhat by its spending limit on its quarterly rotating category -- which, for October through December, are PayPal, wholesale clubs and select charities -- but even when that limit is hit, you can still earn a good return for purchases in its other bonus categories.

Keep in mind you’ll need to activate the bonus categories manually each quarter. However, even if you activate late, you’ll earn retroactive rewards as long as you activate by the deadline.

You can read more in our Chase Freedom Flex review.

Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular APR
20.49% – 29.24% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

5%

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

5%

5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

3%

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

1%

Unlimited 1% cash back on all other purchases.

For fair credit

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Petal® 2

Rewards Rate

1% – 1.5% Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.; 1% cash back on eligible purchases right away.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

No Credit History

APR

18.24% – 32.24% (Variable)

The Petal 2 card, issued by WebBank, is easier to qualify than most cards, as you don’t need an extensive credit history or high credit scores to get approved. It’s meant to help build your credit while also offering a return on your spending.

There are no late fees, annual fees or foreign transaction fees to worry about. Instead, it seeks to incentivize you to pay your bill on time and in full each month by offering greater cash back opportunities for doing so.

You can learn all the details in our Petal 2 review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.24% – 32.24% (Variable)
Balance Transfer Fee
N/A

1.5%

Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.

1%

1% cash back on eligible purchases right away.

The Petal 2 card, issued by WebBank, is easier to qualify than most cards, as you don’t need an extensive credit history or high credit scores to get approved. It’s meant to help build your credit while also offering a return on your spending.

There are no late fees, annual fees or foreign transaction fees to worry about. Instead, it seeks to incentivize you to pay your bill on time and in full each month by offering greater cash back opportunities for doing so.

You can learn all the details in our Petal 2 review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.24% – 32.24% (Variable)
Balance Transfer Fee
N/A

1.5%

Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.

1%

1% cash back on eligible purchases right away.

A revolving rewards card

U.S. Bank Cash+® Visa Signature® Card

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

U.S. Bank Cash+® Visa Signature® Card

Intro Offer

$200 $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Rewards Rate

1% – 5% 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.; 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on your choice on one everyday category, like Gas Stations, Grocery Stores or Restaurants; 1% cash back on all other eligible net purchases.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

19.74% – 29.74% (Variable)

The U.S. Bank Cash+ offers rewards that cover some unique purchase types, including fast food, gym and fitness centers, furniture stores, movie theaters and home utilities, to name a few. You’ll need to manually activate your top two eligible categories each quarter to qualify.

You can earn a maximum of $100 each quarter before the 5% rewards rate on your two chosen categories falls to 1%, but there’s no limit to the number of rewards you can earn with its 2% cash back categories.

Intro Balance Transfer APR
0% intro APR Intro APR on balance transfers for the first 15 billing cycles.
Intro Purchase APR
0% intro APR Intro APR on purchases for the first 15 billing cycles.
Regular APR
19.74% – 29.74% (Variable)
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

5%

5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.

5%

5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center

2%

2% cash back on your choice on one everyday category, like Gas Stations, Grocery Stores or Restaurants

1%

1% cash back on all other eligible net purchases.

The U.S. Bank Cash+ offers rewards that cover some unique purchase types, including fast food, gym and fitness centers, furniture stores, movie theaters and home utilities, to name a few. You’ll need to manually activate your top two eligible categories each quarter to qualify.

You can earn a maximum of $100 each quarter before the 5% rewards rate on your two chosen categories falls to 1%, but there’s no limit to the number of rewards you can earn with its 2% cash back categories.

Intro Balance Transfer APR
0% intro APR Intro APR on balance transfers for the first 15 billing cycles.
Intro Purchase APR
0% intro APR Intro APR on purchases for the first 15 billing cycles.
Regular APR
19.74% – 29.74% (Variable)
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

5%

5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.

5%

5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center

2%

2% cash back on your choice on one everyday category, like Gas Stations, Grocery Stores or Restaurants

1%

1% cash back on all other eligible net purchases.

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 cash back Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards Rate

1% – 5% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.; Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

580 – 850 Fair – Excellent

APR

19.24% – 29.24% (Variable)

While it may fall a bit short compared to the Active Cash card, the Citi Double Cash is still a strong contender. And if you need to eliminate some existing credit card debt it’ll be the better option.

It earns rewards for all purchases, offers a welcome bonus, has no annual fee and features a relatively long introductory 0% APR for balance transfers. Cardholders get 18 months (then 19.24% to 29.24% variable) to pay off a transferred balance; balance transfers must be completed within four months of account opening. While those are compelling reasons to get the card, it doesn’t offer much else outside of them.

You could use it to knock out existing credit card debt by transferring your balance and paying it down while it accrues no interest and then continue to use it to earn rewards afterwards.

You can find all the details in our Citi Double Cash card review.

Intro Balance Transfer APR
0% intro for 18 months on Balance Transfers
Intro Purchase APR
N/A
Regular APR
19.24% – 29.24% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

5%

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

1%

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

While it may fall a bit short compared to the Active Cash card, the Citi Double Cash is still a strong contender. And if you need to eliminate some existing credit card debt it’ll be the better option.

It earns rewards for all purchases, offers a welcome bonus, has no annual fee and features a relatively long introductory 0% APR for balance transfers. Cardholders get 18 months (then 19.24% to 29.24% variable) to pay off a transferred balance; balance transfers must be completed within four months of account opening. While those are compelling reasons to get the card, it doesn’t offer much else outside of them.

You could use it to knock out existing credit card debt by transferring your balance and paying it down while it accrues no interest and then continue to use it to earn rewards afterwards.

You can find all the details in our Citi Double Cash card review.

Intro Balance Transfer APR
0% intro for 18 months on Balance Transfers
Intro Purchase APR
N/A
Regular APR
19.24% – 29.24% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

5%

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

1%

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual Fee

$0 intro annual fee for the first year, then $95.

Rewards Rate

1% – 6% 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

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

19.24% – 29.99% Variable

The Blue Cash Preferred is one of, if not the most, rewarding credit cards when it comes to U.S. supermarket purchases and select U.S. streaming subscriptions. While it does carry an annual fee of $95 ($0 intro annual fee for the first year), its high rewards rate makes it easy to quickly cover the fee.

It would take just $1,600 in U.S. supermarket spending each year (roughly $133 per month) to essentially cover its annual fee, without taking into account any rewards generated from its other bonus categories. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Most people spend far more than that each year on groceries, especially considering how much food prices have increased over the past year.

Learn more about earning rewards on essential purchases in our American Express Blue Cash Preferred review.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.

6%

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)

6%

6% Cash Back on select U.S. streaming subscriptions

3%

3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more

3%

3% Cash Back at U.S. gas stations

1%

1% Cash Back on other purchases

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The Blue Cash Preferred is one of, if not the most, rewarding credit cards when it comes to U.S. supermarket purchases and select U.S. streaming subscriptions. While it does carry an annual fee of $95 ($0 intro annual fee for the first year), its high rewards rate makes it easy to quickly cover the fee.

It would take just $1,600 in U.S. supermarket spending each year (roughly $133 per month) to essentially cover its annual fee, without taking into account any rewards generated from its other bonus categories. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Most people spend far more than that each year on groceries, especially considering how much food prices have increased over the past year.

Learn more about earning rewards on essential purchases in our American Express Blue Cash Preferred review.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Intro Balance Transfer APR
0% on balance transfers for 12 months
Intro Purchase APR
0% on purchases for 12 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.

6%

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)

6%

6% Cash Back on select U.S. streaming subscriptions

3%

3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more

3%

3% Cash Back at U.S. gas stations

1%

1% Cash Back on other purchases

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Earn a $200 bonus Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Rewards Rate

1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; 1.5% on all other purchases

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

20.49% – 29.24% Variable

The Chase Freedom Unlimited* is a great dining companion for travelers. It combines a strong base rewards rate with an introductory APR offer and high travel rewards when you book through Chase Ultimate Rewards. It also lacks an annual fee -- a welcome surprise for a card with these features.

It’s straightforward and rewarding. If you don’t already have a card that earns 1.5% cash back for general spending, this card has you covered.

You can read more about it in our Chase Freedom Unlimited Review.

Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular APR
20.49% – 29.24% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

5%

Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

3%

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

1.5%

1.5% on all other purchases

The Chase Freedom Unlimited* is a great dining companion for travelers. It combines a strong base rewards rate with an introductory APR offer and high travel rewards when you book through Chase Ultimate Rewards. It also lacks an annual fee -- a welcome surprise for a card with these features.

It’s straightforward and rewarding. If you don’t already have a card that earns 1.5% cash back for general spending, this card has you covered.

You can read more about it in our Chase Freedom Unlimited Review.

Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular APR
20.49% – 29.24% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

5%

Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

3%

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

1.5%

1.5% on all other purchases

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Rewards Rate

1% – 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.; Earn unlimited 1% cash back on all other purchases.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

580 – 850 Fair – Excellent

APR

19.24% – 29.24% (Variable)

The Citi Custom Cash Card has more flexibility than the average rewards card. Each billing cycle, cardholders earn 5% cash back (on the first $500 spent each billing cycle, then 1%) on their top eligible spend category. Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

It includes some rare categories -- namely fitness clubs, home improvement stores and live entertainment -- that most other cards don’t. And while 5% cash back sounds like a lot, it has a pretty low spending cap. You can only earn $25 in rewards each billing cycle before the rate falls to 1%.

You can learn more about it in our Citi Custom Cash Card review.

Intro Balance Transfer APR
0% for 15 months on balance transfers
Intro Purchase APR
0% for 15 months on purchases
Regular APR
19.24% – 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

5%

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

1%

Earn unlimited 1% cash back on all other purchases.

The Citi Custom Cash Card has more flexibility than the average rewards card. Each billing cycle, cardholders earn 5% cash back (on the first $500 spent each billing cycle, then 1%) on their top eligible spend category. Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

It includes some rare categories -- namely fitness clubs, home improvement stores and live entertainment -- that most other cards don’t. And while 5% cash back sounds like a lot, it has a pretty low spending cap. You can only earn $25 in rewards each billing cycle before the rate falls to 1%.

You can learn more about it in our Citi Custom Cash Card review.

Intro Balance Transfer APR
0% for 15 months on balance transfers
Intro Purchase APR
0% for 15 months on purchases
Regular APR
19.24% – 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

5%

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

1%

Earn unlimited 1% cash back on all other purchases.

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards Rate

1.5% – 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply; Earn unlimited 1.5% cash back on every purchase, every day

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

19.99% – 29.99% (Variable)

The Capital One Quicksilver Cash Rewards Credit Card** offers an average cash-back rate rounded out with an introductory APR offer and an easily obtainable welcome bonus. Unlike some comparable cards, it could also double as a travel rewards card considering the lack of foreign transaction fees.

Learn more in our Capital One Quicksilver Cash Rewards Credit Card review.

Intro Balance Transfer APR
0% intro on balance transfers for 15 months
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Balance Transfer Fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

5%

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

1.5%

Earn unlimited 1.5% cash back on every purchase, every day

The Capital One Quicksilver Cash Rewards Credit Card** offers an average cash-back rate rounded out with an introductory APR offer and an easily obtainable welcome bonus. Unlike some comparable cards, it could also double as a travel rewards card considering the lack of foreign transaction fees.

Learn more in our Capital One Quicksilver Cash Rewards Credit Card review.

Intro Balance Transfer APR
0% intro on balance transfers for 15 months
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Balance Transfer Fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

5%

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

1.5%

Earn unlimited 1.5% cash back on every purchase, every day

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Cashback Match™ Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards Rate

1% – 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.; Plus, earn unlimited 1% cash back on all other purchases – automatically.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

17.24% – 28.24% Variable APR

The Discover it® Cash Back** offers cardholders rewards that shift every quarter. For October through December, it offers cash back for Amazon.com and Target. It also has one of the best welcome bonuses on the market: Discover will essentially double the cash back you earn for your first year with the card at the end of your first year.

Each quarter you’ll need to manually activate the rewards. Just be sure you do so on time, because unlike the Freedom Flex, there are no retroactive rewards to be earned here. In addition to the rewards and welcome bonus, you can use its introductory APR offer to avoid interest charges for a time.

You can read more in our Discover it Cash Back review.

Intro Balance Transfer APR
0% for 15 months
Intro Purchase APR
0% for 15 months
Regular APR
17.24% – 28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

5%

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

1%

Plus, earn unlimited 1% cash back on all other purchases – automatically.

The Discover it® Cash Back** offers cardholders rewards that shift every quarter. For October through December, it offers cash back for Amazon.com and Target. It also has one of the best welcome bonuses on the market: Discover will essentially double the cash back you earn for your first year with the card at the end of your first year.

Each quarter you’ll need to manually activate the rewards. Just be sure you do so on time, because unlike the Freedom Flex, there are no retroactive rewards to be earned here. In addition to the rewards and welcome bonus, you can use its introductory APR offer to avoid interest charges for a time.

You can read more in our Discover it Cash Back review.

Intro Balance Transfer APR
0% for 15 months
Intro Purchase APR
0% for 15 months
Regular APR
17.24% – 28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

5%

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

1%

Plus, earn unlimited 1% cash back on all other purchases – automatically.

Pick how you’d like to earn

Bank of America® Customized Cash Rewards credit card

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Bank of America® Customized Cash Rewards credit card

Intro Offer

$200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

1% – 3% 3% cash back in the category of your choice; 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases; 1% cash back on all other purchases

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

18.24% – 28.24% Variable APR on purchases and balance transfers

The Bank of America® Customized Cash Rewards credit card* offers more flexibility than most cards, but it’s held back by a low spending cap. That means it’s better suited to lower spenders as your rewards rate will fall to 1% once you spend $2,500 in combined purchases across its bonus categories each quarter.

It offers the choice of a few unique 3% cash back categories including online shopping and home improvement/furnishings, while its 2% cash back choices cover everyday expenses like grocery stores and wholesale clubs. If your combined quarterly expenses in the 3% and 2% rewards categories aren’t greater than $2,500, this could be a good card to pick. Consider pairing it with a flat-rate, no-annual fee card like the Wells Fargo Active Cash card.

You can learn more in our Bank of America Customized Cash Rewards card review.

Intro Balance Transfer APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee
3% of the amount of each transaction

3%

3% cash back in the category of your choice

2%

2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases

1%

1% cash back on all other purchases

The Bank of America® Customized Cash Rewards credit card* offers more flexibility than most cards, but it’s held back by a low spending cap. That means it’s better suited to lower spenders as your rewards rate will fall to 1% once you spend $2,500 in combined purchases across its bonus categories each quarter.

It offers the choice of a few unique 3% cash back categories including online shopping and home improvement/furnishings, while its 2% cash back choices cover everyday expenses like grocery stores and wholesale clubs. If your combined quarterly expenses in the 3% and 2% rewards categories aren’t greater than $2,500, this could be a good card to pick. Consider pairing it with a flat-rate, no-annual fee card like the Wells Fargo Active Cash card.

You can learn more in our Bank of America Customized Cash Rewards card review.

Intro Balance Transfer APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee
3% of the amount of each transaction

3%

3% cash back in the category of your choice

2%

2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases

1%

1% cash back on all other purchases

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Rewards Rate

1% – 8% 8% Cash Back on Capital One Entertainment purchases; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 1% Cash Back on all other purchases

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

19.99% – 29.99% (Variable)

The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Its limited-time offering of 10% cash back for Uber and Uber Eats (through Nov. 14, 2024) is far higher than what most rewards cards -- even those with an annual fee -- offer. Coupled with its 8% cash back for Capital One Entertainment, you could earn a huge return on your entertainment spending.

In addition to its high earning potential, it has an introductory APR offer to help avoid interest charges on new purchases and any transferred balances. If you’re looking for a card that rewards you whether you’re going out or staying in to watch your favorite streaming service, this is definitely one to consider.

You can learn all the details in our Capital One SavorOne review.

Intro Balance Transfer APR
0% intro on balance transfers for 15 months
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Balance Transfer Fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

8%

8% Cash Back on Capital One Entertainment purchases

5%

5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

3%

3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

1%

1% Cash Back on all other purchases

The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Its limited-time offering of 10% cash back for Uber and Uber Eats (through Nov. 14, 2024) is far higher than what most rewards cards -- even those with an annual fee -- offer. Coupled with its 8% cash back for Capital One Entertainment, you could earn a huge return on your entertainment spending.

In addition to its high earning potential, it has an introductory APR offer to help avoid interest charges on new purchases and any transferred balances. If you’re looking for a card that rewards you whether you’re going out or staying in to watch your favorite streaming service, this is definitely one to consider.

You can learn all the details in our Capital One SavorOne review.

Intro Balance Transfer APR
0% intro on balance transfers for 15 months
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Balance Transfer Fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

8%

8% Cash Back on Capital One Entertainment purchases

5%

5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

3%

3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

1%

1% Cash Back on all other purchases

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Rewards Rate

1.5% – 2.5% 2.5 percent cash back on all purchases (on up to $10,000 in qualifying purchases each billing cycle, then 1.5 percent) with a qualifying Tier One Rewards status; Unlimited 1.5 percent cash back with Tier Two Rewards status

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

800 – 850 Excellent

APR

16.99% – 26.99% (Variable)

The Alliant Cashback Visa Signature Credit Card** has a lot going for it. It’s got a potentially high cash-back rate along with a number of solid travel and shopping protections. However, you’ll need to be a Alliant Credit Union member to qualify, and you’ll want to have an Alliant High-Rate Checking account to get the most out of it.

If you have an Alliant High-Rate checking account, you can earn 2.5% cash back on the first $10,000 spent per billing cycle in qualifying eligible purchases (then 1.5%), which is more than some of what the best flat-rate cash-back cards offer. However, it is a bit more restrictive than those other cards, considering you’ll need to be an Alliant member to use it.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
16.99% – 26.99% (Variable)
Balance Transfer Fee
3%

2.5%

2.5 percent cash back on all purchases (on up to $10,000 in qualifying purchases each billing cycle, then 1.5 percent) with a qualifying Tier One Rewards status

1.5%

Unlimited 1.5 percent cash back with Tier Two Rewards status

The Alliant Cashback Visa Signature Credit Card** has a lot going for it. It’s got a potentially high cash-back rate along with a number of solid travel and shopping protections. However, you’ll need to be a Alliant Credit Union member to qualify, and you’ll want to have an Alliant High-Rate Checking account to get the most out of it.

If you have an Alliant High-Rate checking account, you can earn 2.5% cash back on the first $10,000 spent per billing cycle in qualifying eligible purchases (then 1.5%), which is more than some of what the best flat-rate cash-back cards offer. However, it is a bit more restrictive than those other cards, considering you’ll need to be an Alliant member to use it.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
16.99% – 26.99% (Variable)
Balance Transfer Fee
3%

2.5%

2.5 percent cash back on all purchases (on up to $10,000 in qualifying purchases each billing cycle, then 1.5 percent) with a qualifying Tier One Rewards status

1.5%

Unlimited 1.5 percent cash back with Tier Two Rewards status

A well-rounded card

Bank of America® Unlimited Cash Rewards credit card

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Bank of America® Unlimited Cash Rewards credit card

Intro Offer

$200 online cash rewards $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

1.5% 1.5% cash back on all purchases.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

18.24% – 28.24% Variable APR on purchases and balance transfers

The Bank of America® Unlimited Cash Rewards credit card* isn’t the best-in-class of any category, but as a combination its benefits become competitive. The flat-rate rewards may appeal to those seeking simplicity in their credit card, and the introductory APR is one of the longest on the market. The welcome bonus is also on par with other cash-back cards with no annual fee.

Intro Balance Transfer APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee
3% of the amount of each transaction

1.5%

1.5% cash back on all purchases.

The Bank of America® Unlimited Cash Rewards credit card* isn’t the best-in-class of any category, but as a combination its benefits become competitive. The flat-rate rewards may appeal to those seeking simplicity in their credit card, and the introductory APR is one of the longest on the market. The welcome bonus is also on par with other cash-back cards with no annual fee.

Intro Balance Transfer APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee applies.
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.24% – 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee
3% of the amount of each transaction

1.5%

1.5% cash back on all purchases.

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Intro Offer

Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Rewards Rate

1% – 3% 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, then 1%.; 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.; 1% Cash Back on other purchases.

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

670 – 850 Good – Excellent

APR

19.24% – 29.99% Variable

If you’re looking for a way to earn rewards for essential purchases like U.S. gas stations and U.S. supermarkets, consider the Blue Cash Everyday Card. While everyday spending is at the forefront of the card, it also features a rare bonus category for U.S. online retail purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

It provides a higher cash-back rate than most other no-annual-fee cash-back cards and features an introductory APR for purchases and balance transfers, which provides even more utility. Earning rewards for purchases you need to make no matter what should be an easy choice to make.

You can find all the details in our Blue Cash Everyday card review.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Intro Balance Transfer APR
0% on balance transfers for 15 months
Intro Purchase APR
0% on purchases for 15 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.

3%

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3%

3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3%

3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

1%

1% Cash Back on other purchases.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

If you’re looking for a way to earn rewards for essential purchases like U.S. gas stations and U.S. supermarkets, consider the Blue Cash Everyday Card. While everyday spending is at the forefront of the card, it also features a rare bonus category for U.S. online retail purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

It provides a higher cash-back rate than most other no-annual-fee cash-back cards and features an introductory APR for purchases and balance transfers, which provides even more utility. Earning rewards for purchases you need to make no matter what should be an easy choice to make.

You can find all the details in our Blue Cash Everyday card review.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Intro Balance Transfer APR
0% on balance transfers for 15 months
Intro Purchase APR
0% on purchases for 15 months
Regular APR
19.24% – 29.99% Variable
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.

3%

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3%

3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3%

3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

1%

1% Cash Back on other purchases.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards

Rewards Rate

1% – 4% 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; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases

Rec. Credit Recommended Credit: A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.

800 – 850 Excellent

While there is no annual fee for the Costco Anywhere Visa Card by Citi**, you will need to be a Costco member to qualify, which costs $60 per year.

Its strongest feature is its gas rewards, as it earns much more than its competitors. However, you can only redeem rewards on an annual basis rather than the standard monthly basis -- and you may forfeit your rewards if you don’t redeem them in time.

Find all the details in our Costco Anywhere Visa Card review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

4%

4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter

3%

3% cash back on restaurants and eligible travel purchases

2%

2% cash back on all other purchases from Costco and Costco.com

1%

1% cash back on all other purchases

While there is no annual fee for the Costco Anywhere Visa Card by Citi**, you will need to be a Costco member to qualify, which costs $60 per year.

Its strongest feature is its gas rewards, as it earns much more than its competitors. However, you can only redeem rewards on an annual basis rather than the standard monthly basis -- and you may forfeit your rewards if you don’t redeem them in time.

Find all the details in our Costco Anywhere Visa Card review.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

4%

4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter

3%

3% cash back on restaurants and eligible travel purchases

2%

2% cash back on all other purchases from Costco and Costco.com

1%

1% cash back on all other purchases

How to choose a cash-back card

When you’re choosing a cash-back credit card, the rewards rates and categories are among the most important features, along with the annual fee. These features go hand in hand somewhat, as you’ll want to see if the rewards are enough to cover the annual fee, yet still offer a profit.

Pick a card that bolsters your own spending habits, or a general rewards card that earns on purchases no matter what you’re buying. You might be able to further maximize your rewards by choosing cards that specialize in essential purchases like gas and groceries.

Consider any additional card perks, also. For example, cash-back cards can sometimes include an introductory 0% APR on new purchases to help you temporarily avoid interest charges. They also tend to include things like purchase protection or extended warranties to protect your purchases against damage or theft.

How do cash-back cards work?

Cash-back credit cards offer cardholders rewards on their spending in the form of statement credits or cash. A statement credit is a reduction in the amount due to the credit card company on your monthly bill. Note that rewards are not always available the month you earn them -- they are usually applied to your balance by credit card issuers after one or two billing cycles.

The redemption process for cash-back credit cards is either automatic or very simple. Some cards automatically apply cash rewards to your statement balance each month. Others require you to log in and redeem available rewards points for statement credits. Most points don’t expire, but you will lose them if you close the account before redeeming them.

Types of cash-back credit cards

Cash-back credit cards generally fall into four primary categories: flat-rate, tiered, rotating or choose-your-own. 

Flat-rate cards offer the same rate for every purchase. Tiered cards offer a different rewards rate for different categories of spending. Rotating category cards offer different rewards each quarter, determined by the card issuer. Choose-your-own category cards allow you to choose your rewards category.

Pros and cons of cash-back credit cards

Pros

  • Earn rewards on purchases

  • Build your credit through responsible use

  • Shopping and travel protections

  • Intro APR offers

Cons

  • They could encourage unnecessary spending

  • Interest charges should you choose to revolve a balance

  • Damaged credit if you don’t pay on time

  • Some credit cards carry annual fees

How to maximize your cash back

To get the most from your cash-back credit card, first match it with your spending habits. If you’re making purchases you otherwise wouldn’t for the sake of earning more rewards, you’ll offset the value of these rewards if you can’t afford to pay off your balance each month. 

Instead, look for a cash-back credit card that matches your natural spending habits. Also, redeem your rewards for statement credits or direct deposits. These forms of redemption generally guarantee a value of 1 cent per 1% cash back, and are the fastest and easiest way to get value from your rewards.

Once you get the hang of cash-back cards, consider pairing it with another rewards card that provides higher rewards for different purchases. For example, I pair my Wells Fargo Active Cash with the Blue Cash Preferred to earn strong cash rewards for my most frequent purchases.

Most cash-back credit cards don’t charge you an annual fee, so it makes them easy to pair with other credit cards that earn different rewards. That way, there won’t be any purchases you aren’t earning a return on.

How does a cash-back card compare to travel rewards cards?

Cash-back credit cards typically earn rewards as -- you guessed it -- cash back, whereas travel credit cards tend to earn rewards as points or miles. Cash back can be used to lower your overall statement balance or to add to your bank account, while travel cards can use their points or miles to cover travel expenses.

The two types of credit cards also tend to differ in what kind of benefits they offer. Travel cards usually offer protections including things like travel accident or rental car insurance, and may even offer annual statement credits. Cash-back credit cards on the other hand will usually feature shopping protections and introductory APR offers.

Is a cash-back card right for you?

If you don’t have a credit card that rewards you for your regular everyday spending or general spending habits, consider a cash-back credit card. 

If there is something you regularly spend a lot on, choosing a credit card that earns rewards for the purchase can be a good way to bolster your finances. Just try not to let a cash-back card encourage you to spend money you otherwise wouldn’t have.

Alternatives to cash-back credit cards

While cash-back credit cards are a great way to earn rewards for your purchases, they’re not your only option. Other types of credit cards earn points or miles which may make more sense if you travel often.

You can typically redeem points in more ways than cash-back rewards, and you’ll often get the most value out of them when redeeming them for travel purchases. Many travel credit cards also let you transfer points to the credit card issuer’s travel partners where they could be worth more than 1 cent per point.

Miles work similarly. You can transfer miles to travel partners, but you can also use them directly with an airline or hotel brand. Like points, how and when you use your miles will determine how much they’re worth. 

If you’re worried about incurring credit card debt, another alternative would be to use a debit card that earns rewards. There are some that offer this feature, however, the reward rate is often far lower than what you’d see on a credit card.

How to apply for a cash-back credit card

Follow these steps to get a cash-back credit card of your own:

  • Find the card that matches your budget. Examine your spending habits to determine which categories -- such as groceries, dining out or gas -- you spend the most money on each month. Then find a card that offers elevated rewards rates in those categories. 
  • Apply securely on the credit card issuer’s website by following the links above. You may also be able to apply for a card at a bank branch or over the phone, but using an online application will usually be the fastest and easiest way. 
  • Provide the issuer with all of the necessary financial information. Most issuers will ask for personal identifying information like your name and Social Security number, as well as information about your employment and income. You’ll also have to consent to a hard credit pull so the issuer can check your credit score.
  • Use the card responsibly to earn rewards. Don’t spend more than you can afford to pay off each month, and always pay your bill on time and in full. Otherwise, interest charges and late fees could wipe out any rewards you earn and you risk sinking into credit card debt or damaging your credit. 

FAQs

No, the IRS typically treats credit card rewards as a rebate on your spending rather than as income. However, credit card rewards earned without spending money -- such as if you receive a referral bonus by getting a friend to sign up for a credit card from your issuer -- may be considered taxable income. Consult with a tax professional if you’re unsure about your individual situation. 

The highest cash-back rate is 10%, but that’s mostly reserved for special promotions. The general maximum is 5%, but most cards earn at least 1% across your purchases.

Yes, redeeming cash back as a statement credit will lower the overall balance of your credit account.

Whether cash-back rewards expire varies from card to card. For some cards, rewards expire a certain amount of time after they’ve been earned, or after a certain period of account inactivity. For others, your rewards never expire as long as your account is open and in good standing. You’ll need to check your cardholder agreement to find the exact terms governing your credit card’s rewards system. 

For rates and fees of the Blue Cash Preferred Card from American Express, click here.

For rates and fees of the Blue Cash Everyday Card from American Express, click here.

Other credit cards we reviewed

Not all cash-back credit cards made it on this list. Here are some we tested but didn’t include:

  • Capital One Savor Cash Rewards Credit Card
  • Bank of America® Customized Cash Rewards credit card
  • Discover it® Chrome
  • Instacart Mastercard®
  • Amazon Visa

Our methodology

CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card.

*Upgrade Cash Rewards Visa: To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

**All information about the Bank of America Customized Cash Rewards, Bank of America Unlimited Cash Rewards, Capital One Quicksilver, Capital One SavorOne Cash Rewards Credit Card, Alliant Cashback Visa Signature, Chase Freedom Flex, Chase Freedom Unlimited, Costco Anywhere Visa Card by Citi, and Discover it Cash Back has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Evan Zimmer

Written by

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

Source: cnet.com

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13 hours ago - Upgrading your home to make it a bit smarter can be expensive, which is why this sale on Ecobee devices is the perfect change to grab something at a better price.
14 hours ago - Just days before the next big iPhone update is released, Apple makes a surprise announcement that goes back on what it’s said will happen on one key point.
14 hours ago - Final Fantasy 7 and its compilation media have introduced some of my favorite video game characters. There’s Cloud Strife, the emotionally cagey but...
14 hours ago - Graphic: GizmodoWelcome to day 3 of Gizmodo’s March Madness bracket challenge to name the greatest app of all time! WhatsApp barely beat out Dark...
14 hours ago - The Mediterranean diet is budget-friendly and packs a punch for heart and brain health. Here's what you need to know to do it right.
14 hours ago - If you've been looking to upgrade your OS to something a bit better, this deal from StackSocial will net you a Windows 11 deal for just $30.
14 hours ago - The performance cores of the Snapdragon 8 Gen 4 could touch 4.30GHz, but one tipster does not believe it will match the Snapdragon X Elite frequency
14 hours ago - EA and Bioware are reportedly confident that Dragon Age: Dreadwolf will be released this year. That’s according to Giant Bomb journalist Jeff Grubb, speaking on the Game Mess Decides podcast with co-host Mike Minotti. “I suspect (Dragon...
14 hours ago - Did you hear that Microsoft has started rolling out a new feature update for Windows 11? It is now available in the Stable Channel, but getting "Moment 5" it is a little tricky; here is how to do it.
14 hours ago - If you click on a link and make a purchase we may receive a small commission. Read our editorial policy. Nintendo claims the emulator facilitates piracy "at a colossal scale". Image...
15 hours ago - One Baldur's Gate 3 player finding the famous "Salami" club makes others share their experiences with the peculiar weapon.
15 hours ago - Fortnite players are sick of Epic Games not re-releasing old and rare skins back into the game and fear they will never return.
15 hours ago - Final Fantasy 7 Rebirth's director has reportedly promised an update for issues with the game's 60fps performance mode.Players voiced their concerns...
15 hours ago - Microsoft's OneDrive cloud storage service is installed on your PC by default, and it can cause some trouble when playing PC games on multiple devices.
15 hours ago - Theo Burman ❘ Published: 2024-03-03T15:31:37 ❘ Updated: 2024-03-03T15:31:48 Baldur’s Gate 3 may have some of the best companions in recent RPG history, but that doesn’t mean each of them are on the same level. Baldur’s Gate 3...
15 hours ago - Washington, DC's plethora of local solar incentives include net metering, property tax exemptions and SRECs -- all of which are designed to save you money on solar.
15 hours ago - Our Experts CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid. Reviews ethics statement Joe Supan Senior...
15 hours ago - If you want to learn a new language, or 14, then this deal on a lifetime subscription to Babbel is worth grabbing.
15 hours ago - If you click on a link and make a purchase we may receive a small commission. Read our editorial policy. Image credit: Bethesda/Digital Foundry According to...
15 hours ago - Ahead of Fortnite Chapter 5, season 2, a giant Titan hand has emerged from the earth holding a huge, chained box
15 hours ago - The Google Pixel 8 series is the only device that's managed to get face and fingerprint unlock right so far.
15 hours ago - Get fast speeds for a low price, plus discounts, gift cards and more from the top internet providers. Here are the best internet deals available now.
15 hours ago - Today is the last day of Best Buy's weekend deals with some of the best sales we've seen since Presidents Day, so be sure to grab something before the sale expires.