Cash Back Mastercard Credit Cards
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- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- 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 for 15 months; 15.49% - 25.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One® SavorOne® Cash Rewards Credit Card
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, 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
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
- Earn cash back twice. 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 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.
- Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- Balance Transfers do not earn cash back.
- 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.
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Get access to a higher credit line after making your first 5 monthly payments on time
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- See More Details & Reviews About TheCapital One® QuicksilverOne® Cash Rewards Credit Card
- Complimentary Amazon Student Prime (Lifetime Value worth $59)
- 1% cash back on all purchases
- An award winning college credit card for all students - both from the US and visiting from abroad. (For international students, an SSN is not required to apply)
- Cellphone Protection
- Extended Warranty
- $0 Annual Fee
- 20.24% variable APR
- See More Details & Reviews About TheDeserve® Edu Mastercard for Students
- Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
- 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
- No foreign transaction fees
- Capital One cardholders get access to premium experiences in dining, entertainment and more
- $0 intro annual fee for the first year, $95 after that
- See More Details & Reviews About TheCapital One® Savor® Cash Rewards Credit Card
- 3% cash back on travel & entertainment
- 2% cash back on restaurants
- 1% cash back on all purchases
- A travel & entertainment rewards card for students, young professionals & recent immigrants
- Free Year of Priority Pass™ Membership
- Cellphone Protection
- Extended Warranty
- Mastercard Platinum Benefits
- $0 Annual Fee
- 17.49% to 24.49% variable APR
- See More Details & Reviews About TheDeserve® Pro Mastercard
- Earn a 1.25% cash back rebate on card purchases.
- Unlimited cash back.
- Ability to view and pay your Mastercard® account online with free Dollar Bank Online Banking
- Access to your account information 24/7
- Benefits: MasterRental collision damage waiver, Emergency card replacement and cash disbursement, Lost/stolen card reporting, Zero fraud liability, 24/7 Mastercard® Assistance Center toll-free at 1-800-307-7309 and Optional Credit Life Insurance protects your family from the responsibility of up to $100,000 in credit card debt
- See More Details & Reviews About TheDollar Bank Rewards Credit Card
- 1.8% cash back on your everyday eligible purchases.
- No limit to the amount of cash back you can earn.
- Onefinestay gives you access and 10% discount to rental homes in select major cities.
- Zero Liability protection against unauthorized purchases
- Travel accident and baggage delay insurance.
- Extended warranty protection and Price Protection.
- Online Account Access - 24 hours a day, 7 days a week.
- MasterRental Insurance for collision, loss, or damage.
- See More Details & Reviews About TheCitizens Bank Cash Back Plus™ World Mastercard®
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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 Credit | 5.0 / 5 |
| Initial Bonus | Barclaycard CashForward™ World Mastercard® | None | 1.5% on all purchases (5% redemption bonus) | Excellent Credit | 4.3 / 5 |
| Travel & Dining | SunTrust Travel Rewards Credit Card | None 1st yr, $89 after | 1% - 3% | Excellent Credit | N/A |
| Limited Credit | Capital One® QuicksilverOne® Cash Rewards Credit Card | $39 | 1.5% on all purchases | Limited History | 4.7 / 5 |
| Bad Credit | SunTrust Secured Credit Card | $32 | 1% - 2% | Bad Credit | N/A |
| Small Business | Business Advantage Cash Rewards Credit Card | None | 1% - 3% | Excellent Credit | N/A |
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 2020’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 moreshow less
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