What Is the Best Cash Back Credit Card?

Credit Cards
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Let us know what makes it so great!

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For cash back…I want a card that offers the best rate without having to deal with the rotating category nonsense. I have had the Double Cash card for years and love it. An additional benefit is that this card supports the Virtual Account Number functionality from Citibank.

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I have the Double Cash MC as well because Clark recommended it. I also got the Paypal MC because it pays 3% for Paypal purchases and 2% for everything else. However, you can’t apply it directly to the card balance. You have to transfer it to Paypal or link your bank account which I don’t want to do. They will send you a paper check for $1.50. So I don’t use it except for Paypal purchases.

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I use: USBANK CASH+ VISA for 5% back on utilities and internet.
USAA CASHBACK REWARDS from American Express for 5% back on gas.
Chase Freedom & Flex cards for 5% rotating categories.
All these cards came with nice Bonuses.

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My Double-Cash card from Citibank used to be my go-to card, but since I do a good deal of my shopping online I got a Paypal card which is managed by Synchrony. It gets me 3% for purchases through Paypal and 2% everywhere else. I got the AmericanExpress Bluecard for groceries but now that they raised the annual fee, I doubt if I will renew. I buy most of my groceries at walmart, Costco or the 99 cent store where I don’t get the 6% back anyhow.

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I think I only paid $69 the first year. But yeah, I’ll drop down to something no fee. Canceling cards just messes up your credit score.

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I used CITI Double Cash for years, but when Wells Fargo Active Cash came out with the same 2%, but not receiving it in a 2 step process I immediately changed to Wells Fargo Active Cash as my primary card. For Gas purchases I use the CITI Custom Cash because they pay 5% on highest category, and Gas is one of the category’s that is eligible, so I use that card for gas purchases only.

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I have the Paypal 3% card as well and I just found out I can pay my property taxes through Paypal! The 3% back more than covers the CC fee they charge.

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If you have a Golden! credit union available near you, their Visa is paying 4% rebate on gas and 3% on other purchases.

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Amen! US Bank card is great - even having to pay a $1.50 fee to Duke Energy to pay via CC is worth it to earn 5% back on a $200 monthly electric bill. I’ve moved away from any US Bank branch, but still have a checking account with next to nothing in it. We have their credit cards (with no annual fees) so they waive any monthly fee on the checking account.

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Agree - I refuse to mess with the rotating categories, except that I have to log on and tell US Bank that I want to keep the same categories as last quarter in order to keep earning 5% back on utilities, cell phone bills and internet. I keep waiting for them to drop utilities from the list of available categories. It seems crazy that they pay 5% cash back on utilities with no cap and no annual fee. US Bank has to be losing money on my Cash+ card, that’s for sure. I must get $300 in cash back a year easily.

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Sam’s Club Master Card - The only card that pays 5% on gas anywhere. Since I purchase that more often that anything, this is still my favorite. Gotta be a Sam’s Club member to get the card I think so there’s the fee for that, but the credit card doesn’t cost anything extra to use with the membership.
3% on meals and travel is also nice. I eat our quite a bit. They’ve made it easier to access the cash back too. Use to be available after the first of the year as one lump sum. Now you can use it for in-store purchases and membership renewal at any time. I pay if off every month, so there’s never an interest charge.

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I have the Wells Fargo Visa Active Cash card which pays 2% back on anything and everything with no limit.

I also have the Amazon Prime card which I use for Amazon purchases. This card pays 5% back on Amazon purchases.

I have an American Express Blue Cash card which I have used for years. It is a cash back card which is tiered to get the highest cash back. I keep this card because I love the customer service from American Express.

All of my cards are no fee credit cards.

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This article should include the PNC Cash Unlimited card.

  • 2% cash back on everything
  • No minimum redemption threshold
  • No annual fee
  • (Distinctively) no foreign transaction fees

If, like me, you like to travel and would prefer not to bank with Wells Fargo, this is a very solid catch all cash back card.