Maria Adams, Credit Cards Moderator
@m_adams
No, there aren’t any 10% cash back credit cards, at least none offering that much back on all purchases. But you can get 10% cash back from some credit cards in specific spending categories or when there’s a promotional offer.
A good 10% cash back credit card is the CB2 Credit Card. It offers 10% in Rewards Dollars on purchases at CB2, which can be redeemed for reward certificates.
Here are some good 5% to 10% cash back credit cards on select categories:
- Overall: Blue Cash Preferred - 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits
- Travel: Chase Freedom Unlimited - 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year)
- Store Credit Card: CB2 Credit Card - 10% back in reward dollars at CB2, 2% on groceries and 1% back on all other purchases
- Top Spending Category: Citi Custom Cash - 5% cash back in your top eligible spend category each billing cycle (up to $500 spent, 1% back thereafter), as well as 1% back on all other purchases
- Categories of your Choice: U.S. Bank Cash+ - 5% cash back on two categories of your choice (up to $2,000 each quarter), 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center, 2% on your choice of one everyday category (like gas stations, grocery stores or restaurants) and 1% on all other purchases
All of these credit cards give 5% to 10% cash back on certain expenses. Some of those categories may change quarterly or yearly, require activation and usually have a cap. However, 10% cash back credit card offers are extremely rare and they’re typically available for a limited time only. There’s never been a general-purpose credit card that rewards users with 10% cash back on all purchases.
Tea Holton, Member
@tea_holton
I wish! But no, the highest I've seen is 6%.
Nick Berkhardt, Member
@berkhardt_nick
Nah, it's usually 5 or 6% max. I think there was a promotion by Amex once, but it's gone now.
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