Top Cash Back Credit Card Deals Available Right Now

Cash back cards turn everyday spending into real money. Here is a look at the strongest cash back credit card offers currently on the market.

Of all credit card rewards, cash is the most flexible and the most valuable. A cash back card pays a reward on every dollar spent. Some cards also partner with affiliates to pay extra on particular kinds of 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. In effect, a cash back card works like a discount on everything you buy. The cards below are worth a closer look.

Chase Freedom Unlimited® Card

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

New cardholders can collect a $200 bonus, plus an extra 5% cash back at gas stations. To qualify, spend $500 on purchases within the first three months after 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

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

It also includes up to $600 of cell phone protection against damage or theft. To be covered, pay your monthly cell phone bill with the card.

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

Citi Custom Cash℠ Card

The Citi Custom Cash℠ Card works differently from most cash back cards. It pays 5% on whichever eligible category you spend the most in each 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 by spending $750 within the first three months of opening the account.

Discover it® Cash Back

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. Those categories include:

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

There is no annual fee. The card also offers "Cash back Match," which automatically matches, dollar for dollar and without limit, all the cash back you earn at the end of your first year.

Capital One SavorOne Cash Rewards Credit Card

Food lovers should consider the Capital One SavorOne Cash Rewards Credit Card. It has no annual fee and pays an unlimited 3% cash back on dining and at grocery stores. It also pays 3% on certain streaming services and entertainment, and 1% on all other purchases.

New cardholders can earn a $200 cash bonus after spending $500 on purchases within the first three months of opening the account.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express carries a $95 annual fee, but cardholders who can absorb it get plenty in return. Rewards include 6% cash back at grocery stores and a low introductory APR of 0% for 12 months. The American Express "Plan It" feature also lets you 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. If eligible, the $400 arrives as a statement credit against the balance due.