# What Is the Best Cash Back Credit Card? **URL:** \ **Category:** Credit Cards\ **Created:** [November 9, 2023, 6:20pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794 "2023-11-09T18:20:47Z")\ **Posts on this page:** 15\ **Page:** 1
**Author:** ![TeamClarkAdmin](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/teamclarkadmin/32/17_2.png) [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Post date:** [November 9, 2023, 6:20pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/1 "2023-11-09T18:20:47Z")
Let us know what makes it so great! ---
**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\ **Post date:** [November 9, 2023, 7:07pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/2 "2023-11-09T19:07:08Z")
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. ---
**Author:** ![OU812](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ou812/32/1549_2.png) [@OU812](https://community.clark.com/u/OU812)\ **Post date:** [November 9, 2023, 7:29pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/3 "2023-11-09T19:29:46Z")
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. ---
**Author:** ![shoanwebb](https://avatars.discourse-cdn.com/v4/letter/s/9dc877/32.png) [@shoanwebb](https://community.clark.com/u/shoanwebb)\ **Post date:** [November 13, 2023, 3:00pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/5 "2023-11-13T15:00:44Z")
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. ---
**Author:** ![Susan\_Maneck](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/susan_maneck/32/2130_2.png) [@Susan\_Maneck](https://community.clark.com/u/Susan_Maneck)\ **Post date:** [November 15, 2023, 6:48am UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/6 "2023-11-15T06:48:46Z")
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. ---
**Author:** ![Susan\_Maneck](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/susan_maneck/32/2130_2.png) [@Susan\_Maneck](https://community.clark.com/u/Susan_Maneck)\ **Post date:** [November 16, 2023, 4:49am UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/8 "2023-11-16T04:49:18Z")
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. ---
**Author:** ![JohnRT](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/johnrt/32/2354_2.png) [@JohnRT](https://community.clark.com/u/JohnRT)\ **Post date:** [November 16, 2023, 4:08pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/9 "2023-11-16T16:08:27Z")
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. ---
**Author:** ![OU812](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ou812/32/1549_2.png) [@OU812](https://community.clark.com/u/OU812)\ **Post date:** [November 16, 2023, 5:10pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/10 "2023-11-16T17:10:47Z")
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. ---
**Author:** ![JimmyP3](https://avatars.discourse-cdn.com/v4/letter/j/e99b99/32.png) [@JimmyP3](https://community.clark.com/u/JimmyP3)\ **Post date:** [November 17, 2023, 7:06pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/11 "2023-11-17T19:06:10Z")
If you have a Golden! credit union available near you, their Visa is paying 4% rebate on gas and 3% on other purchases. ---
**Author:** ![mjross](https://avatars.discourse-cdn.com/v4/letter/m/f17d59/32.png) [@mjross](https://community.clark.com/u/mjross)\ **Post date:** [November 19, 2023, 3:25pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/12 "2023-11-19T15:25:46Z")
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. ---
**Author:** ![mjross](https://avatars.discourse-cdn.com/v4/letter/m/f17d59/32.png) [@mjross](https://community.clark.com/u/mjross)\ **Post date:** [November 19, 2023, 3:31pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/13 "2023-11-19T15:31:39Z")
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. ---
**Author:** ![Dave\_Dennis](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/dave_dennis/32/2361_2.png) [@Dave\_Dennis](https://community.clark.com/u/Dave_Dennis)\ **Post date:** [November 20, 2023, 3:19pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/14 "2023-11-20T15:19:08Z")
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. ---
**Author:** ![JPW050](https://avatars.discourse-cdn.com/v4/letter/j/b3f665/32.png) [@JPW050](https://community.clark.com/u/JPW050)\ **Post date:** [April 26, 2024, 12:23pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/16 "2024-04-26T12:23:27Z")
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. ---
**Author:** ![pittpanthersfan](https://avatars.discourse-cdn.com/v4/letter/p/c67d28/32.png) [@pittpanthersfan](https://community.clark.com/u/pittpanthersfan)\ **Post date:** [May 14, 2024, 6:18pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/17 "2024-05-14T18:18:43Z")
[This article](https://clark.com/credit-cards/2-percent-cash-back-cards/) 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. ---
**Author:** ![Sally\_TeamClark](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/sally_teamclark/32/10_2.png) [@Sally\_TeamClark](https://community.clark.com/u/Sally_TeamClark)\ **Post date:** [March 21, 2025, 4:55pm UTC](https://community.clark.com/t/what-is-the-best-cash-back-credit-card/3794/18 "2025-03-21T16:55:05Z")