logo

As Seen In:

USA TodayNBCBloomberg

Best Cash Back Credit Cards for November 2021

Compare and apply for offers from our partners
Cash Back

1. Compare the best cash back credit card offers from our partners
2. Apply securely by clicking APPLY NOW
3. Earn valuable rewards & save on interest with a 0% APR

Sponsored $200 Bonus after you spend $500 on purchases in your first 3 months

Chase Freedom Unlimited®
full starfull starfull starfull starfull star

On Chase's secure site
Rewards Rate
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases
Welcome Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
0% Intro Purchase APR
0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%
Card Network
card network
Annual Fee
$0
Credit Score Needed
Good, Excellent
Offer Details
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • 3% cash back on dining at restaurants, including takeout and eligible delivery services

  • 3% cash back on drugstore purchases

  • 5% on travel purchased through Chase Ultimate Rewards®

  • Unlimited 1.5% cash back on all other purchases

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.

  • No annual fee.

Read The Full Review
Collapse Full Details
Sponsored 5% cash back on purchases in your top eligible spend category

Citi Custom Cash℠ Card
full starfull starfull starfull starhalf star

On Citi's secure site
Rewards Rate
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. Also, earn unlimited 1% cash back on all other purchases.
Welcome Offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% Intro APR on Balance Transfers and Purchases for 15 months.
Expand Card Details
Sponsored 0% for 15 months on purchases from the date of account opening

Blue Cash Everyday® Card from American Express
full starfull starfull starfull starfull star

Blue Cash Everyday® Card from American Express
Apply Now
full starfull starfull starfull starfull star
Rates & FeesTerms Apply
On American Express's secure site
Rewards Rate
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% Cash Back at U.S. Gas Stations, 1% Cash Back on other eligible purchases
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
Intro Purchase APR
0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
Expand Card Details
Sponsored 0% intro APR on Balance Transfers for 18 months

Citi® Double Cash Card – 18 month BT offer
full starfull starfull starfull starhalf star

On Citi's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Intro Balance Transfer APR
0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness
Extra Benefits
No annual fee and free access to Citi Entertainment®
Expand Card Details
Sponsored 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases

Blue Cash Preferred® Card from American Express
full starfull starfull starfull starhalf star

On American Express's secure site
Rewards Rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) , 1% Cash Back on other eligible purchases
Welcome Offer
$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.
Intro Purchase APR
0% APR for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
Expand Card Details

Discover it® Cash Back
full starfull starfull starempty starempty star

On Discover's secure site
Cash Back Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Low Fees
No annual fee, no foreign transaction fees and award-winning customer service
Unlimited Cashback Match
Dollar-for-dollar match of all cash back earned the first year
Expand Card Details

Petal® 2 “Cash Back, No Fees” Visa® Credit Card
full starfull starfull starfull starhalf star

On WebBank's secure site
Rewards Rate
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments, 1% cash back on eligible purchases right away, 2% - 10% cash back at select merchants
Easy Approval Process
Easily see if you're pre-approved within minutes without impacting your credit score
No Fees
No late fee, international fee, annual fee, or other suprise fees
Expand Card Details

Can't decide?

Compare Cards Side by Side

Most Popular Cash Back Credit Card Articles

Chase Freedom Unlimited® Review: Chase Freedom Unlimited® is the leading cash back credit card for grocery purchases, as it offers 5% cash back on groceries for the next year on up to $12,000 of spending. Maxing out this 5% cash back bonus category can earn users $600 in grocery cash back in addition to a generous $200 sign up bonus and 1.5% cashback on everything else. Learn more about the benefits of Chase Freedom Unlimited®.

Citi Custom Cash℠: Citi Custom Cash℠ is unique among cash back credit cards in that it automatically earns you 5% on up to $500 of spending per month on the major spending category with the most spending. For example, if you spend $500 on groceries and $200 on gas, you earn 5% cashback on groceries and 1% on gas. If the spending is reversed the next month, you earn 5% on the highest spend category. This adds up to $600 in 5% cash back rewards annually in addition to 1% rewards on everything else.

Chase Freedom Unlimited® vs. Citi Custom Cash℠: Chase Freedom and Cash℠ both offer attractive $200 cashback bonuses but vary slightly in how consumers earn cash back rewards on a quarterly basis. To maximize the 5% cash back bonus opportunity, it may make sense to use both cards as they carry no annual fees. Compare offers to find the best deal for you.

Chase Freedom Unlimited® vs. Blue Cash Everyday®: Whether Blue Cash Everyday® or Chase Freedom Unlimited® is the best cashback credit card for you depends largely on how you spend. Those who spend more than $6,000 per year dining out benefit from Freedom’s 3% rewards on dining. Plus, the Chase Freedom Unlimited® is offering 5% cash back on grocery purchases on up to $12,000 of spending in the next year, which offers the opportunity to earn $600 in cash back rewards on groceries in the next year versus only $180 with Blue Cash Everyday® which offers 3% cash back on groceries for only $6,000 in spend.

Blue Cash Everyday® vs. Citi Custom Cash℠: Blue Cash Everyday® is one of the most straightforward cash back credit cards. Groceries earn 3% (up to $180 in cash back rewards per year), 2% on cash back at gas stations and 1% on everything else. Citi Custom Cash℠ offers 1% on everything else and 5% cash back on up to $500 of spending in a category you spend most in every billing cycle that can be restaurants, gas stations, grocery stores, drug stores, fitness clubs or live entertainment, making this cash back card a top choice for those who spend a lot on gas, groceries or dining out.

Cash Back Credit Cards

Cash back cards are one of the most popular consumer cards and for good reason. These types of cards work on a simple concept: the consumer earns cash rewards for their purchases. As opposed to a points rewards system, which requires the consumer to go through the redemption process, cashback rewards come directly in the form of cash. The form of cash back rewards depends on the type of cash back card you have. In general, you can find three different categories of cash back cards:

1. Flat rate cash back
2. Tiered cash back
3. Bonus category cash back

Types of Cash Back Rewards

Flat rate cash back cards refer to a rewards system where the card offers a fixed rate of cash back on purchases, regardless of category. This type of rewards system is ideal for those who have a fairly random purchasing history and do not spend heavily on one or two categories.

Tiered cash back rewards work on the basis of differing cash back rates depending on the category of spending. With these forms of cards, you will receive a standard cash back rate on most purchases and then higher cash back rates on certain categories, which most of the time include gas, groceries, dining, entertainment and travel. Therefore, if you spend regularly, but especially on a few broad categories (i.e. you drive often or eat out regularly), then this is the ideal form of cash back.

Lastly, bonus category cash back rewards work on the concept of revolving categories. Cash back cards offering this type of reward work similar to tiered cash back rewards, with the exception that the categories that offer the highest rate of rewards change with time. Therefore, this card is great for those who are detail-oriented and are willing to regularly update their purchasing behaviors depending on the cash back rewards.

Redeeming Cash Back

While there are many ways to redeem your cash back rewards, these are the most common ways to do so:

1. Statement credit - this is a method of using your cash back rewards to pay back your credit card bill. Instead of receiving cash, your cash back rewards will be used toward paying your credit card balance.
2. Donations /charity - if you are not spending much or earning many rewards but still want to continue your card, it would be advisable to simply donate your rewards to charity. In most cases, your card issuer will let you directly transfer your cash back reward to a charitable organisation of your choice.
3. Gift cards/coupon - many card issuers may be able to offer your cash rewards in forms of gift cards. In some cases where the card issuer offers gift cards with partnered organizations, these cards may offer an extra value or may offer prices that are less than the retail value.
4. Online retail - you can often use your cash back rewards and redeem them at online stores that are partnered with your card issuer.

Considerations

There are many further points to take in mind when acquiring a cash back rewards card. Many cash back rewards cards have different rewards expiration dates. Some cards enable you to redeem rewards as long as the account is open, whereas others only let you do so for a fixed period of time.

Furthermore, some cash rewards cards also sometimes impose caps on how many rewards you can earn. Cash rewards cards tend to come with higher purchase APR than other cards. It is also important to remember that in order to earn the higher rewards rates, you need to register your card online. Keeping up with new promotions and updates will also ensure that you make the best use of your rewards card.

Getting the right cash back rewards requires you to consider a multitude of factors. One very important factor is your credit score. A higher credit score will not only improve your chance of acquiring a cash back card, but it will improve your chances of getting a cash back rewards card with a high rewards rate. Cash rewards cards that demand higher credit scores offer much higher rewards and lower interest rates than other cards that require lower credit scores. Lastly, you should identify your spending patterns in deciding what type of cash back rewards card you should get.

Bank-Level Security

BBBNorton

As Seen In

USA TodayBloombergNBCFox Business

Free Forever

Clyde is an always-free service. We’re passionate about financial transparency and strive to get you the most for your money.

100% Secure

We are serious about security. We encrypt all the data you share with us to ensure your experience is both easy and safe.