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Cash Back Mastercard Credit Cards
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CASH BACK MASTERCARD CREDIT CARDS
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- $0 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer

- Offers 2% Cash Back
- $0 annual fee
- Multiple redemption options
- Low intro APR on balance transfers
- No initial rewards bonus
- 3% foreign transaction fee
- Must have at least $25 in rewards to redeem
- 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.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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.
- 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).
- The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi Custom Cashâ„ Card Citi Custom Cashâ„ Card

- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
- 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.
- 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.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
- No Annual Fee
- Citi will only issue one Citi Custom Cashâ„ Card account per person.
Secured Sable ONE Credit Card Secured Sable ONE Credit Card

- No membership fees
- High rewards rate
- Low regular APR
- Qualify with limited or no credit history
- No rewards bonus
- Foreign fee
- Requires security deposit
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable Double Cash Bonus.
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
- Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
- Up to $10,000 credit limit
- No credit check or US credit history required.
- No SSN required for non US citizens.
- Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
- Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
- Please see terms and conditions for additional details.
Chase Freedom Flexâ„ Chase Freedom Flexâ„

- No annual fee
- $200 initial bonus
- Ongoing rewards of 1 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- Doesn't really offer cash back
- Rotating bonus rewards categories
- Earning limit in bonus categories
- 3% foreign transaction fee
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flexâ„ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Capital One Walmart Rewards® Mastercard® Capital One Walmart Rewards® Mastercard®

- Up to 5% back on Walmart purchases
- No annual fee
- No foreign transaction fee
- No promotional financing offers
- Above-average regular APR
- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores and fuel stations, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
- $0 annual fee
- No foreign transaction fees
Capital One QuicksilverOne Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card

- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign fee
- $39 annual fee
- Average regular APR for a limited-credit card
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Aspiration Zero Aspiration Zero

- $300 initial rewards bonus
- Reports to the three major credit bureaus
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Earn $300 by spending $3000 within your first 3 months
- We plant a tree every time you make a purchase, and let you round up to plant one too.
- Every month you get to carbon neutral, we’ll reward you with up to 1% cash back on all of your purchases
- All rewards can be redeemed as a statement credit or additional planted trees
- Meet your credit card to fight climate change and neutralize your carbon footprint
- Track your progress in our app
- Card made from corn-based PLA, with a smaller carbon footprint than traditional credit card plastic
- Card issued by Beneficial State Bank, member FDIC
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card

- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
What is the best cash back Mastercard?
Citi Double Cash is the best cash back Mastercard on the market right now because it offers nearly twice as much earning power as the average cash rewards card, if you pay your bill in full every month, which is a good habit to get into anyway. It doesn’t charge an annual fee, either, and is available to people with good or excellent credit.
But Double Cash won’t be the best cash back Mastercard for everyone. A lot depends on your credit standing, what you plan to spend your money on, and how much you plan to spend. To help you find the right fit, WalletHub’s editors compared dozens of offers and identified the top Mastercard cash back credit cards for different types of applicants.
Here are the best cash back Mastercards:
Best For… | Card Name | Annual Fee | Cash Back Rate | Min. Credit Required | Editor’s Rating |
Overall | Citi® Double Cash Card – 18 month BT offer | $0 | 2% Cash Back | Good | 5/5 |
Dining & Entertainment | Capital One Savor Cash Rewards Credit Card | $95 | 1 - 4% Cash Back | Good | 5/5 |
Limited Credit | Capital One QuicksilverOne Cash Rewards Credit Card | $39 | 1.5% on all purchases | Limited History | 4.7/5 |
Bad Credit | Secured Sable ONE Credit Card | $0 | 1% - 2% | Bad | 4.8/5 |
Small Business | Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card | $0 | 1% - 3% | Excellent | 3.5/5 |
The question is: Are these the best overall cash rewards cards or just the top Mastercard offers? You can get the answer by checking out WalletHub’s picks for 2022’s best cash back credit cards, across all four major card networks.
Questions & Answers
Comparing cash back mastercard credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
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