{"id":76430,"date":"2026-02-02T14:10:01","date_gmt":"2026-02-02T14:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=76430"},"modified":"2026-04-08T14:33:12","modified_gmt":"2026-04-08T14:33:12","slug":"best-cash-back-credit-card-offers","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/best-cash-back-credit-card-offers\/","title":{"rendered":"Our Favorite Cash Back Credit Cards and Their Current Welcome Bonuses"},"content":{"rendered":"<p>When discussing rewards cards, premium travel cards typically receive the most attention. But if you want maximum flexibility, it's hard to look past cash-back credit cards. Rather than earning airline miles, hotel points, or transferable rewards that can only be used for travel, these cards earn cash back that you can use for anything.<\/p>\n<p>For anyone who's been frustrated by the complexity of award travel or prefers to stockpile rewards for other activities, cash-back cards offer a simple way to benefit from everyday expenses. Cash-back rewards are straightforward to earn and redeem, with no need to deal with complex point valuations, blackout dates, or transfer partners.<\/p>\n<p>Here are the best cash back credit cards for any budget.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Overview_of_the_Best_Credit_Cards_for_Earning_Cash_Back\">Overview of the Best Credit Cards for Earning Cash Back<\/a><\/li><li><a href=\"#The_Best_Cash-Back_Credit_Card_Offers_Available_Now\">The Best Cash-Back Credit Card Offers Available Now<\/a><ul><li><a href=\"#Blue_Cash_Preferred_Card_from_American_Express\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/a><\/li><li><a href=\"#Chase_Freedom_Flex\">Chase Freedom Flex\u2120<\/a><\/li><li><a href=\"#Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Citi_Double_Cash_Card\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Wells_Fargo_Active_Cash_Card\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Bank_of_America_Customized_Cash_Rewards_credit_card\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a><\/li><li><a href=\"#US_Bank_Cash_Visa_Signature_Card\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/a><\/li><li><a href=\"#Discover_it_Cash_Back\">Discover it<sup>\u00ae<\/sup> Cash Back<\/a><\/li><li><a href=\"#Capital_One_Savor_Cash\">Capital One Savor Cash<\/a><\/li><\/ul><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Overview_of_the_Best_Credit_Cards_for_Earning_Cash_Back\">Overview of the Best Credit Cards for Earning Cash Back<\/span><\/h2>\n\n<table id=\"tablepress-1192\" class=\"tablepress tablepress-id-1192 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Card<\/th><th class=\"column-2\">Best for<\/th><th class=\"column-3\">Earning rate<\/th><th class=\"column-4\">Welcome offer<\/th><th class=\"column-5\">Annual fee<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4028090\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-blue-cash-preferred\/\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/a><\/td><td class=\"column-2\">Additional perks<\/td><td class=\"column-3\">6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back on eligible purchases at U.S. gas stations and on transit, including taxis\/rideshare, parking, tolls, trains, buses and more; and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/td><td class=\"column-4\">As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/td><td class=\"column-5\">$0 intro annual fee for the first year, then $95(<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a><\/td><td class=\"column-2\">Rotating bonus categories<\/td><td class=\"column-3\">5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases.<\/td><td class=\"column-4\">Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. <\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">Personalized cash back<\/td><td class=\"column-3\">5% cash back in your top eligible spend category each billing cycle, up to the first $500 spent (1% cash back thereafter), and 1% cash back on all other purchases, plus an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/td><td class=\"column-4\">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<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Flat rate cash back<\/td><td class=\"column-3\">2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To qualify for cash back, you have to make at least the minimum payment on your Citi credit card bill by the due date. Plus, earn 5% total cash back on hotels, car rentals, and attractions booked with Citi Travel.<\/td><td class=\"column-4\">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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a>  (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Cell phone insurance<\/td><td class=\"column-3\">Earn unlimited 2% cash rewards on purchases.<\/td><td class=\"column-4\">Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a><\/td><td class=\"column-2\">Wholesale clubs<\/td><td class=\"column-3\">6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category\/grocery store\/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you're a <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Bank of America Preferred Rewards<\/a>\r\n member, you can earn 25%\u201375% more cash back on every purchase.<\/td><td class=\"column-4\">$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048133\" href=\"https:\/\/awardwallet.com\/news\/cash-back\/us-bank-cash-plus-categories\/\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">Customizable cash back<\/td><td class=\"column-3\">5% on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% on one everyday category (like gas or groceries), and 1% on all other eligible net purchases.<\/td><td class=\"column-4\">$250 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Discover it<sup>\u00ae<\/sup> Cash Back<\/a><\/td><td class=\"column-2\">Cash back match<\/td><td class=\"column-3\">Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Earn 1% unlimited cash back automatically on all other purchases.<\/td><td class=\"column-4\">INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048129\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-savor-card\/\">Capital One Savor Cash Rewards Credit Card<\/a><\/td><td class=\"column-2\">Unlimited earnings<\/td><td class=\"column-3\">3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>), 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% cash back on all other purchases.<\/td><td class=\"column-4\">Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2><span id=\"The_Best_Cash-Back_Credit_Card_Offers_Available_Now\">The Best Cash-Back Credit Card Offers Available Now<\/span><\/h2>\n<p>The most important factor in choosing a cash-back credit card is its bonus categories. You'll need to analyze your budget to determine where you spend the most money each month. Then, you can choose a card that earns the highest return on your typical purchases. While the best cash back card for you will depend on your financial goals, these nine credit cards are the best of the best.<\/p>\n<figure id=\"attachment_196296\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-196296 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/Featured-Woman-using-a-credit-card-at-a-point-of-sale-terminal-Blake-Wisz-Unsplash.jpg\" alt=\"Woman using a credit card at a point of sale terminal\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/Featured-Woman-using-a-credit-card-at-a-point-of-sale-terminal-Blake-Wisz-Unsplash.jpg 1200w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/Featured-Woman-using-a-credit-card-at-a-point-of-sale-terminal-Blake-Wisz-Unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/Featured-Woman-using-a-credit-card-at-a-point-of-sale-terminal-Blake-Wisz-Unsplash-1024x819.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/Featured-Woman-using-a-credit-card-at-a-point-of-sale-terminal-Blake-Wisz-Unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/Featured-Woman-using-a-credit-card-at-a-point-of-sale-terminal-Blake-Wisz-Unsplash-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Blake Wisz \/ Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Blue_Cash_Preferred_Card_from_American_Express\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/span><\/h3>\n<p><strong>Rewards:<\/strong> Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back on eligible purchases at U.S. gas stations and on transit, including taxis\/rideshare, parking, tolls, trains, buses and more; and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/p>\n<p><strong>Featured benefits:<\/strong> While American Express is best known for its premium travel cards, everyday workhorse cards like the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> can deliver massive value for cardholders. The opportunity to earn\u00a06% cash back on eligible purchases at U.S. supermarkets is almost unheard of.<\/p>\n<p>Despite the $6,000 cap on this category (earning 1% back thereafter), we still rank the card among the <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-groceries\/\" rel=\"noopener\" data-wpel-link=\"internal\">best for grocery and supermarket purchases<\/a>. Outside of this category, the Blue Cash Preferred is also a great card to use on transit and gas purchases, earning 3% back, with no cap on how much you can earn.<\/p>\n<p>You'll also receive up to $10 per month in statement credits for Disney streaming purchases, including DisneyPlus.com, Hulu.com, and <span class=\"s1\">Stream.ESPN.com<\/span>. If you were already paying for a subscription, you can easily outweigh the $95 ongoing annual fee. Enrollment is required for select Amex benefits.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028090\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg\" width=\"150\" alt=\"Blue Cash Preferred\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Preferred\u00ae Card from American Express' data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro annual fee for the first year, then $95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express cash back powerhouse for everyday spending. Key features include 6% cash back on eligible purchases at U.S. supermarkets (up to $6,000 per year, then 1%) and on select streaming subscriptions, plus 3% back on eligible purchases at U.S. gas stations and on eligible transit purchases. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.<\/li><li>$0 intro annual fee for the first year, then $95.<\/li><li>Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.<\/li><li>Plan It&#xAE;: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express&#xAE; App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.<\/li><li>Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.<\/li><li>Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred&#xAE; Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on eligible purchases at U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The card also features an introductory APR of 0% on purchases for 12 months and 0% on balance transfers for 12 months. Afterwards, you'll have a Variable APR of 19.49% - 28.49%. There is a balance transfer fee, however: Either $5 or 3% of the amount of each transfer, whichever is greater. (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-cash-preferred\/\" rel=\"noopener\">Blue Cash Preferred Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Chase_Freedom_Flex\">Chase Freedom Flex\u2120<\/span><\/h3>\n<p><strong>Rewards:<\/strong> Earn 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases<\/p>\n<p><strong>Featured benefits: <\/strong>The <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" =_blank>Freedom Flex<\/a> offers 5% rotating bonus categories and enhanced earning rates on purchases through Chase Travel, at restaurants, and drugstores. It's important to keep an eye on the quarterly cash back calendar, so you know which purchases will earn elevated rewards, up to the quarterly maximum. Be sure to activate your bonus cash back before you start spending.<\/p>\n<p>The Freedom Flex charges no annual fee, and if you hold an Ultimate Rewards card that does charge an annual fee, you can <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">convert the cash back you earn on this card into flexible Ultimate Rewards points<\/a> and transfer them to 14 airline and hotel partners to potentially receive outsized value.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048224\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom Flex\u2120<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom Flex\u2120<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" =_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/FreedomFlex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The card also has a 0% introductory APR on purchases for 15 months and 0% introductory APR on balance transfers for 15 months. There is a balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater. After the introductory period, you'll have a Variable APR of 19.24% - 27.99%.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" rel=\"noopener\">Freedom Flex Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Custom_Cash_Card\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p><strong>Rewards:<\/strong> 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/p>\n<p><strong>Featured benefits:<\/strong> Similar to the Freedom Flex, the <a data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> is marketed as a cash back credit card, but it actually <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/how-to-earn-citi-points\/\" rel=\"noopener\">earns ThankYou<sup>\u00ae<\/sup> Points<\/a>. You can redeem these rewards for 1\u00a2 per point for travel via ThankYou.com or for cash back (delivered as a statement credit).<\/p>\n<p>However, you can also transfer your rewards to any of Citi's 15 airline and five hotel partners. You'll transfer at a reduced ratio if you hold a no-annual-fee card like the Citi Custom Cash. But if you have a premium ThankYou Rewards card you can combine rewards to transfer at the highest ratios.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048250\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Custom Cash<sup>\u00ae<\/sup> Card offers a distinctive and flexible cash back program that adapts to your top spending category. Every billing cycle, it automatically grants 5% cash back on the first $500 in your highest spend category, which can range from restaurants, gas stations, and grocery stores to select streaming services, travel, transit, home improvement stores, fitness clubs, live entertainment, and drugstores. Beyond this, all other purchases earn an unlimited 1% cash back. Notably, there's no annual fee, adding to its appeal. The cash back you earn is in the form of ThankYou Points, which can be redeemed for cash back, or combined with rewards\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b from other qualifying ThankYou Rewards cards and transferred to travel partners.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Sign-up bonus of $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening, issued as 20,000 ThankYou<sup>\u00ae<\/sup> Points<\/li>\r\n<li>5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle<\/li>\r\n<li>No rotating bonus categories to sign up for--the top earning category adjusts automatically each month to the eligible category in which you spend the most.<\/li>\r\n<li>Excellent intro APR offer on purchases and balance transfers<\/li>\r\n<li>No annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiCustom\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>Where the Citi Custom Cash differs from the Freedom Flex is how the 5x earning categories are awarded. Rather than rotating quarterly categories, the Citi Custom Cash earns 5% cash back on up to $500 of purchases each billing cycle from your top spending category \u2014 automatically.<\/p>\n<p>Before applying for the Citi Custom Cash<sup>\u00ae<\/sup> Card, check the eligible bonus categories to ensure they line up with your spending habits and expenses. Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.<\/p>\n<p>The card also has a 0% introductory APR for 15 months on purchases and 0% introductory APR offer on balance transfers for 15 months. Afterwards, you'll pay a Variable APR of 18.24% - 28.24%. Balance transfer fee applies with this offer: 5% of each balance transfer; $5 minimum.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\" rel=\"noopener\">Citi Custom Cash Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Double_Cash_Card\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p><strong>Rewards: <\/strong>Earn 2% on every purchase (1% when you buy plus 1% as you pay). To earn cash back, pay at least the minimum due on time.<\/p>\n<p><strong>Featured benefits: <\/strong>The <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is excellent for non-bonus spending on categories not covered by your other cards. It is also great for keeping things simple \u2014 no matter what, you are earning at least 2% cash back, which is tough to beat. That makes this one of the <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\" data-wpel-link=\"internal\">best credit cards for everyday spending<\/a>.<\/p>\n<p>Just like the Citi Custom Cash, cardholders of the Citi Double Cash have the option to redeem rewards as cash back or by transferring to <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\" data-wpel-link=\"internal\">Citi's 21\u00a0transfer partners<\/a>. While redeeming for cash back provides 1\u00a2 per point, <a href=\"https:\/\/awardwallet.com\/point-mile-values\/citi\">AwardWallet readers typically redeem Citi ThankYou Points at 2.31\u00a2 apiece<\/a> with transfer partners. Even if you aren't good at math, that's more than double the value of getting cash back.<\/p>\n<p><div class=\"qs-card\" data-id=\"3002009\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.\r\n<br>\r\n<br>\r\nIf you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/li>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<li>Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.<\/li>\r\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\r\n<li>If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.<\/li>\r\n<li>There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DoubleCash-18BT\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>New cardholders also can enjoy an introductory 0% APR for 18 months on balance transfers, then an APR of 17.49% - 27.49% (Variable). There are fees for balance transfers that you should note: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">Citi Double Cash Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Wells_Fargo_Active_Cash_Card\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p><strong>Rewards: <\/strong>Earn unlimited 2% cash rewards on purchases.<\/p>\n<p><strong>Featured benefits: <\/strong>The <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) has no annual fee, and rewards can be redeemed into a Wells Fargo checking account, as credit card statement credit, for a mortgage, or against purchases made on the card.<\/p>\n<p>As is the case with some of the other cards on this list, you can combine your cash back with a points-earning Wells Fargo card, like the <a data-ccid=\"5048294\" href=\"\/blog\/link\/CR-WellsFargoAutographCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/a>(<a data-ccid=\"5048294\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-visa\/terms\/?product_code=CC&subproduct_code=AU&FPID=012988I6P10000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) or the <a data-ccid=\"5048357\" href=\"\/blog\/link\/CR-WellsFargoAutographJourneyVisaCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Autograph Journey\u2120 Card<\/a>(<a data-ccid=\"5048357\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-journey-visa\/terms\/?FPID=0127E1I0P10000&product_code=CC&subproduct_code=MT&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). This unlocks access to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/wells-fargo-rewards\/transfer-partners\/\" rel=\"noopener\">Wells Fargo's small but mighty list of transfer partners<\/a>, including Avianca LifeMiles and JetBlue TrueBlue.<\/p>\n<p>The Active Cash Card can also cover damage or theft to your cell phone up to $600. To qualify, use the card to pay your monthly cell phone bill. If you need to file a claim, you can submit the necessary documentation online. There is a $25 deductible, and this supplementary coverage is limited to two claims within a 12-month period.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048251\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Active Cash<sup>\u00ae<\/sup> Card earns unlimited 2% cash rewards on purchases without the need to track spending categories or activate rewards quarterly. Cardholders also benefit from up to $600 coverage for cell phone damage or theft, subject to a $25 deductible.<\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/li><li>Earn unlimited 2% cash rewards on purchases.<\/li><li>0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.<\/li><li>$0 annual fee.<\/li><li>No categories to track or remember and cash rewards don't expire as long as your account remains open.<\/li><li>Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature<sup>\u00ae<\/sup> Concierge.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ActiveCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The Active Cash Card also has a generous 0% intro APR for 12 months from account opening on purchases and a 0% introductory APR for 12 months from account opening on qualifying balance transfers. Do note that there is a balance transfer fee: 3% intro for 120 days from account opening, then up to 5%, min: $5. After the introductory period, you'll have a 18.49%, 24.49%, or 28.49% Variable APR.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/wells-fargo-active-cash\/\" rel=\"noopener\">Active Cash Card Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Bank_of_America_Customized_Cash_Rewards_credit_card\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/span><\/h3>\n<p><strong>Rewards: <\/strong>Earn 6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category\/grocery store\/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you're a <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Bank of America Preferred Rewards<\/a>\r\n member, you can earn 25%\u201375% more cash back on every purchase.<\/p>\n<p>Eligible 6%\/3% categories include:<\/p>\n<ul>\n<li>Gas and EV charging stations<\/li>\n<li>Online shopping (includes cable, internet, phone plan, and streaming)<\/li>\n<li>Dining<\/li>\n<li>Travel<\/li>\n<li>Drug stores and pharmacies<\/li>\n<li>Home improvement and furnishings<\/li>\n<\/ul>\n<p><strong>Featured benefits:\u00a0<\/strong>The bonus categories for the no-annual-fee <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America Customized Cash Card<\/a> are unique, as you can customize them to your spending habits. You can change your 6%\/3% category once per month in the Bank of America app or on the website. This could be a great strategy if you have significant purchases coming up in specific categories. It's also worth mentioning that you can earn 2% cash back at wholesale clubs. Most cards exclude wholesale clubs from bonus category earnings, so if you're a frequent Costco or Sam's Club shopper, this is a good card to have.<\/p>\n<p>Plus, you can earn up to 75% extra rewards (meaning you could earn up to 10.5% in your chosen bonus category for the first year) if you qualify for <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">Bank of America Preferred Rewards<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"3002004\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937160.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card is a $0 annual fee card that offers a tiered cash back rewards system. Cardholders can earn 6% cash back for the first year in a category of their choice, including options like gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy or home improvement\/furnishing purchases (then 3%). Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. However, the 6% and 2% cash back rates apply only to the first $2,500 in combined purchases each quarter, after which the rate drops to 1% (after the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum).<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOACashRewards\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>New applicants for the Bank of America Customized Cash Card can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening, plus earn 6% cash back for the first year in the category of your choice. The card also has a 0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. Note there's a balance transfer fee of 3% for 60 days from account opening, then 4%. After the introductory period, there's a Variable APR on purchases and balance transfers of 18.24% - 28.24%.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\" rel=\"noopener\">Bank of America Customized Cash Card Full Review<\/a><\/strong><\/p>\n<h3><span id=\"US_Bank_Cash_Visa_Signature_Card\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p><strong>Rewards:\u00a0<\/strong>Earn 5% on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% on one everyday category (like gas or groceries), and 1% on all other eligible net purchases.<\/p>\n<p>Eligible 5% categories include:<\/p>\n<ul>\n<li>Fast food<\/li>\n<li>TV, internet, and streaming<\/li>\n<li>Cell phone<\/li>\n<li>Home utilities<\/li>\n<li>Department stores<\/li>\n<li>Electronic stores<\/li>\n<li>Sporting goods stores<\/li>\n<li>Movie theaters<\/li>\n<li>Gyms\/fitness centers<\/li>\n<li>Furniture stores<\/li>\n<li>Ground transportation<\/li>\n<li>Select clothing stores<\/li>\n<\/ul>\n<p>While the eligible 2% categories include:<\/p>\n<ul>\n<li>Grocery stores and grocery delivery (excluding wholesale stores)<\/li>\n<li>Restaurants<\/li>\n<li>Gas stations and EV charging stations<\/li>\n<\/ul>\n<p><strong>Featured benefits: <\/strong>Unlike other\u00a0<a target=\"_blank\" href=\"\/credit-cards\/quarterly-bonus-categories\/\" rel=\"noopener\" data-wpel-link=\"internal\">cards with rotating bonus categories<\/a> assigned by the card issuer, the <a data-ccid=\"4048133\" href=\"https:\/\/awardwallet.com\/news\/cash-back\/us-bank-cash-plus-categories\/\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/a> lets you choose two categories to earn 5% cash back and one category to earn 2% cash back. This flexibility can make the U.S. Bank Cash+ Visa a valuable part of your overall earning strategy and one of the best cash-back credit cards for customizable earnings. Cash rewards can be redeemed as a statement credit, a rewards card, or directly deposited into your U.S. Bank checking or savings account. There is a minimum redemption amount of $25, however.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048133\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7dc4432f-019f-4848-a2da-ed81b74156f9.png\" width=150 alt=\"U.S. Bank Cash+\u00ae Visa Signature\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048133\" href=\"\/blog\/link\/CR-USBankCashPlusVisaSignatureCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n$250 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n$250 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The U.S. Bank Cash+<sup>\u00ae<\/sup> Visa Signature<sup>\u00ae<\/sup> Card delivers customizable cash back rewards, allowing cardholders to earn 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories of their choice, catering to individual spending habits. Additionally, there's a 2% cash back option on one everyday category, such as gas stations, grocery stores, or restaurants, and 1% on all other eligible purchases. Plus, earn 5% cash back on prepaid air, hotel, and car bookings through the Rewards Travel Center.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn a $250 bonus after spending $1,000 in eligible net purchases within the first 90 days of account opening.<\/li>\r\n<li>5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one everyday category (like gas or groceries), 1% cash back on all other eligible net purchases<\/li>\r\n<li>No annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose<\/li>\r\n<li>5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center<\/li>\r\n<li>2% cash back on one everyday category (like gas or groceries)<\/li>\r\n<li>1% cash back on all other eligible net purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/USCashPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The U.S. Bank Cash+ Visa comes with a welcome offer of a $250 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. The card also has a 0% introductory APR for 15 billing cycles on purchases and 0% introductory APR 15 billing cycles on balance transfers. Balance transfers do have a fee, though: Either 3% of the amount of each transfer or $5 minimum, whichever is greater. After the introductory period, there's a Variable APR of 17.74% - 27.99%.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/news\/cash-back\/us-bank-cash-plus-categories\/\" rel=\"noopener\">U.S. Bank Cash+ Visa Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Discover_it_Cash_Back\">Discover it<sup>\u00ae<\/sup> Cash Back<\/span><\/h3>\n<p><strong>Rewards: <\/strong>Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Earn 1% unlimited cash back automatically on all other purchases.<\/p>\n<p><strong>Featured benefits: <\/strong>The <a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Discover it<sup>\u00ae<\/sup> Cash Back<\/a> earns an unlimited dollar-for-dollar match of all the cash back earned during the first year, effectively doubling the earnings to 10% for 5% bonus category purchases and 2% for all other purchases. This can be very valuable for everyday spending during the first year of card membership.<\/p>\n<p>Cash-back rewards can be redeemed for physical or electronic gift cards at a variety of merchants, with a discount of up to 20% at some retailers. All eCertificates and gift cards are subject to a minimum redemption amount. This option can be a great way to extract extra value by combining your matched cash back with discounts on gift cards to use for future purchases.<\/p>\n<p><div class=\"qs-card\" data-id=\"2000151\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"\/\/cdn.nextinsure.com\/imaging\/opt\/18ca107e-1f31-465e-b9e7-1b83fe89e492.png\" width=\"150\" alt=\"Discover it\u00ae Cash Back\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/blog\/cards\/DiscoverCash\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Cash Back<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.<\/li>\r\n<li>Unlimited 1% cash back on all other purchases - automatically.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DiscoverCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The Discover it Cash also has a 0% introductory APR for 15 months on purchases and 0% introductory APR for 15 months on balance transfers. After the introductory period, there's a Variable APR of 17.24% - 28.24%. There's also a balance transfer fee of 3%.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/discover-it-cash-back-review\/\" rel=\"noopener\">Discover it Cash Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Capital_One_Savor_Cash\">Capital One Savor Cash<\/span><\/h3>\n<p><strong>Rewards:\u00a0<\/strong>Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>), 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% cash back on all other purchases.<\/p>\n<p><strong>Featured benefits:\u00a0<\/strong>If you are a heavy spender, the opportunity to earn unlimited rewards should immediately entice you. Grocery stores, dining, and entertainment are likely categories where you tend to concentrate your monthly spending, anyway. Plus, the <a data-ccid=\"4048129\" href=\"\/blog\/link\/CR-CapitalOneSavorCard\" rel=\"noopener nofollow sponsored\">Capital One Savor Cash Rewards Credit Card<\/a> is one of the few no-annual-fee cash-back cards that do not charge foreign transaction fees, making it an excellent option for your trips abroad.<\/p>\n<p>And like several of the other cards on this list, if you hold a miles-earning Capital One card, you can combine your rewards across accounts to unlock access to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">Capital One's 22 transfer partners<\/a>. You can redeem your earnings as cash back at a rate of 1\u00a2 apiece, or you can <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/point-mile-values\/capital+one\" rel=\"noopener\">average 2.04\u00a2 per mile like fellow AwardWallet users<\/a> when you transfer to partners.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048129\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Savor Cash Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/36ead21c-2de1-43f4-985e-3478cbb4184b.png\" width='150' alt=\"Capital One Savor Cash Rewards Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"4048129\" class=\"btn-use qs-how-apply\" title='Capital One Savor Cash Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneSavorCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn $200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Savor Cash Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn $200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Tailored for cardmembers who enjoy dining and entertainment, the Capital One Savor Cash Rewards Credit Card offers unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, and 1% cash back on all other purchases. The card charges no foreign transaction fees, and rewards don't expire for the life of the account.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/li>\r\n \t<li>3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n        <li>1% on all other purchases<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>8% cash back on purchases made via the Capital One Entertainment ticketing platform<\/li>\r\n<li>5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>3% cash back on dining and entertainment<\/li>\r\n<li>3% at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n<li>3% on popular streaming services<\/li>\r\n<li>1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/Savor\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The Capital One Savor Cash also has a 0% intro on purchases for 12 months and a 0% intro on balance transfers for 12 months (Balance transfer fee applies). After the introductory period, there's a Variable APR of 18.49% - 28.49%.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-savor-card\/\" rel=\"noopener\">Capital One Savor Cash Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>Cash-back credit cards play a crucial role in a balanced rewards strategy, helping to offset the cash costs of award travel. Plus, you can redeem cash back for purchases outside of travel if that is your goal. As you can see, there are cash-back cards available no matter how much you spend per month, or in which categories you tend to concentrate your purchases.<\/p>\n<p>Earning cash back can make for a less complicated rewards strategy if you don't have the time or inclination to keep track of multiple rewards programs and points transfer partners. You know exactly what your return on spending is with cash back, and it is easy to build a high-value cash-back portfolio with just a few core rewards cards. Whatever your spending habits, there should be a card for you on our list of the best cash back card offers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cash-back credit cards are an essential ingredient for a well-balanced rewards strategy. Earning cash back gives you the ultimate flexibility and makes it easy to plan around a fixed return on spending. 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