Maria Adams, Credit Cards Moderator
To choose the best cash back credit card for your needs, check your credit score and then compare the best cash back cards for people in your credit tier based on expected savings. To calculate expected savings, estimate how much you would earn from each card's rewards and then subtract any annual fees.
The goal when shopping for any type of credit card should be to maximize your savings, based on the types of transactions you plan to make and the cards’ terms. For example, if you mainly want a cash back credit card to use for gas and dining, you should pay particular attention to cards offering bonus cash rewards in those categories. Or, if you plan to use your card for all types of purchases and you want easy-to-manage rewards, it might be better to opt for a card offering a flat cash-back rate across all purchases.
Best Cash Back Credit Cards by Category
For more options, check out WalletHub’s editors picks for the best cash back credit cards overall. You can also get personalized recommendations by signing up for a free WalletHub account.
Blue Cash Preferred® Card from American Express
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