Top Cash Back Credit Card Deals Available Today

Cash back credit cards pay out the most flexible reward in the card world: actual cash. Every dollar spent earns a little money back, and certain cards partner with affiliates to boost the payout on particular spending, such as travel or gas stations.

Here is how it works in practice. Spend $50 at a restaurant with a card that pays 2% cash back on dining, and $1.00 comes back to you. Think of it as a small discount on everything you buy. The cards below are among the best cash back offers on the market right now.

Chase Freedom Unlimited® Card: Flat Rate Plus Extras

The Chase Freedom Unlimited® card pays 1.5% cash back on every purchase. Travel booked through Chase earns bonus rewards, and dining at restaurants and drugstore purchases earn 3% cash back. Everything else earns the standard 1.5%.

New cardholders can collect a $200 bonus, along with an extra 5% cash back at gas stations, by spending $500 within the first three months of opening the account.

The card also carries a 0% intro APR for 15 months on purchases and balance transfers. Once that period ends, the APR runs from 15.74% to 24.49%.

Wells Fargo Active Cash® Card: Simple 2% Back

The Wells Fargo Active Cash® Card has no annual fee and pays a strong rewards rate on all spending. New cardholders earn $200 in cash rewards after spending $1,000 in the first three months. The card also returns 2% cash back on every purchase, whether it is at restaurants, gas stations, travel sites, or online stores.

Another benefit is up to $600 in cell phone protection against damage or theft. To qualify, the monthly phone bill must be paid with the card.

New members also get a 0% introductory APR for up to 15 months. Afterward, the variable APR is 16.49%, 21.49%, or 26.49%.

Citi Custom Cash℠ Card: 5% on Your Top Category

The Citi Custom Cash℠ Card stands apart from most cash back cards. It pays 5% on spending in whichever eligible category is your highest for the month. Eligible categories are:

• Restaurants
• Gas stations
• Grocery stores
• Certain travel
• Certain streaming services
• Drugstores
• Home improvement stores
• Fitness clubs
• Live entertainment

All other purchases earn 1% cash back. New customers can also earn $200 cash back after spending $750 within the first three months of opening an account.

Discover it® Cash Back: Rotating Categories and a First-Year Match

The Discover it® Cash Back card suits anyone who wants strong rewards with some flexibility. It pays 5% cash back on up to $1,500 of spending each quarter in eligible categories. Examples of those categories include:

• Amazon.com
• Select grocery stores
• Restaurants
• Gas stations
• PayPal

There is no annual fee. The card also includes "Cash back Match," which automatically matches, dollar for dollar and with no cap, all the cash back earned at the end of the first year.

Capital One SavorOne Cash Rewards Credit Card: Built for Food Lovers

Foodies will appreciate the Capital One SavorOne Cash Rewards Credit Card. It has no annual fee and pays an unlimited 3% cash back on dining and grocery store purchases. Certain streaming services and entertainment purchases also earn 3%, while all other spending earns 1%.

New cardholders can pick up a $200 cash bonus by spending $500 within the first three months of opening the account.

Blue Cash Preferred® Card from American Express: High Rewards for a Fee

The Blue Cash Preferred® Card from American Express charges a $95 annual fee, but cardholders who can absorb that cost get plenty in return. Perks include 6% cash back at grocery stores and a 0% introductory APR for 12 months. The American Express "Plan It" feature also lets cardholders split larger purchases into manageable monthly installments.

New customers may earn a $400 bonus by making $3,000 or more in purchases on the new card within the first six months. Eligible customers receive the $400 as a statement credit against the balance due.