The best cash back credit card on the market right now is probably the Citi Double Cash Card, thanks to its lack of an annual fee as well as the fact that it rewards you once when you buy and again when you pay. But it’s not for everybody. Double Cash doesn’t have an initial bonus, for one thing. And you need excellent credit to get it. Fortunately, there are plenty of great cash back credit cards to choose from these days.
To help you find the best cash back card for your particular needs, WalletHub compared 1,000+ offers and picked their favorites for different types of users.
Here are the best cash back credit cards:
|Best For…||Cash Back Card||Annual Fee||Cash Back Rate||Editor’s Rating|
|Everyday Cash Back||Citi® Double Cash Card – 18 month BT offer||$0*||1% on purchases + 1% on payments||5.0|
|Bonus Cash Back||Chase Freedom Unlimited®||$0||1.5% on all purchases||4.5|
|Fair Credit||Capital One® QuicksilverOne® Cash Rewards Credit Card||$39||1.5% on all purchases||4.7|
|Students||Journey® Student Rewards from Capital One®||None||1.25% on all purchases (when you pay on time)||5.0|
|Small Business||Capital One® Spark® Cash for Business||$0 for 1st yr, $95 after||2% on all purchases||5.0|
|Bad Credit||Discover it® Secured Card - No Annual Fee||None||1%-2% (doubled first year)||5.0|
To learn more about these offers, you can check out WalletHub’s full review of 2017’s best cash rewards cards.
Finally, knowing your credit score is critical to choosing the right cash back credit card. And you can check your latest credit score for free on WalletHub, too.