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<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>12 best cash back credit cards of November 2024 | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="These cash back credit cards can put hundreds of dollars back in your pocket."/><meta name="keywords" content=""/><meta property="og:url" content="https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/"/><meta property="og:type" content="article"/><meta property="og:title" content="We ranked the best cash back cards available in 2024"/><meta property="og:description" content="Get money back on your everyday spending, plus valuable coverage and freebies."/><meta property="og:site_name" content="Fortune Recommends"/><meta property="og:image" content="https://fortune.com/img-assets/wp-content/uploads/2022/12/Recommends_Best-Cash-Back-Credit-Cards.png?resize=1200,600"/><meta property="og:width" content="1024"/><meta property="og:height" content="683"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="We ranked the best cash back cards available in 2024"/><meta name="twitter:description" content="Get money back on your everyday spending, plus valuable coverage and freebies."/><meta name="twitter:image" content="https://fortune.com/img-assets/wp-content/uploads/2022/12/Recommends_Best-Cash-Back-Credit-Cards.png?resize=1200,600"/><meta name="twitter:url" content="https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/"/><meta property="fb:pages" content="56501027948"/><meta name="robots" content="max-image-preview:large"/><link rel="preconnect" href="https://www.google-analytics.com" crossorigin=""/><link rel="preconnect" href="https://www.googletagservices.com" crossorigin=""/><link rel="preconnect" href="https://ad.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://static.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://securepubads.g.doubleclick.net" crossorigin=""/><link rel="icon" href="/icons/favicons/favicon.ico"/><link rel="canonical" href="https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/"/><link rel="preload" href="https://fortune.com/fonts/GraphikCondensed-Regular-Web.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preconnect" href="https://static.myfinance.com" crossorigin=""/><link rel="alternate" type="application/rss+xml" title="Fortune RSS" href="https://fortune.com/feed/fortune-feeds/?id=3656532"/><script id="faq-json-schema" type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"If you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway. However, if you struggle with debt and paying your credit card bill on time, it’s a good idea to avoid credit cards in general."},"name":"Are cash back cards a good idea?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"There aren’t any credit cards that provide a flat 3% back across the board. However, several cards offer 3% back in certain spending categories, including the Amex EveryDay® Preferred Credit Card, Bank of America® Customized Cash Rewards Credit Card, and Capital One SavorOne Rewards."},"name":"What credit card gives you 3% back?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"There is no cash back card that provides 5% back on all purchases. However, several cards offer 5% cash back on popular spending categories like groceries and gas, including the US Bank Cash+ Visa Signature ® Card, Credit One Bank Platinum X5 Visa, and Discover it Cash Back card."},"name":"How do you get 5% cash back on everything?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"If you spend $1,000 in eligible purchases on a card that offers 1.5% back, you’d earn $15 in cash back."},"name":"How much is 1.5% cash back on $1,000?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"There is no downside to earning cash back. However, it’s not a good idea to spend money on a credit card that you can’t afford to pay back just to earn cash back. Missing payments results in late fees and harm to your credit."},"name":"Is there a downside to cash back?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) 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data-cy="header-title" class="sc-3358ecfd-0 sc-bc78b52c-2 cLhSQr ilZHXK">12 best cash back credit cards: Up to 5% back</h1><div class="sc-bc78b52c-3 hKydgS"><div data-cy="header-authors" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Chris Butsch author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Chris Butsch" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Chris Butsch" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=96&q=75"/></noscript></span><div class="sc-4aadc14e-2 hyvKyP"><div class="sc-4aadc14e-3 wCShc"><div data-cy="author-by-text" class="sc-4aadc14e-5 gQdnNk">BY</div><div data-cy="author-name" class="sc-4aadc14e-6 dImtxq">Chris Butsch</div></div><div class="sc-4aadc14e-4 oxMCx">Personal Finance Expert</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Chris Butsch</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p>Chris Butsch is an expert on the subjects of credit cards and mortgages. Chris is a two-time author who has made it his mission to help people build better lives through financial literacy and positive psychology. His writing has been featured in Forbes Advisor, HuffPost, ConsumerAffairs, Money Under 30, and Investor Junkie.</p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/chrisbutsch/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 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style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Dia Adams" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=96&q=75 2x" 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data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Dia Adams</span></span><span class="sc-8357b4fc-5 eFRRvB">Senior Editor, Credit Cards</span></span></a><div class="sc-3be47025-11 fcFEKV sc-8357b4fc-0 ipkJtx"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' 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https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Dia Adams</span></a><span class="sc-3be47025-2 eSlZzo">Senior Editor, Credit Cards</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Dia Adams is the senior editor leading the credit cards team at Fortune Recommends. Previously, Dia was a managing editor on the credit cards and travel rewards team at Forbes Advisor. She has been featured on national television, radio, print, and online media as an expert in the realms of credit cards, points and miles, Disney and family travel. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://twitter.com/TheDiaAdams" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li>Best cash back credit cards <ul><li><a href="#best-overall" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-overall"><strong>Best no annual fee cash back card:</strong> Wells Fargo Active Cash® Card</a></li><li><a href="#value" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #value"><strong>Best for maximizing rewards: </strong>Chase Freedom Unlimited®</a></li><li><a href="#cfo" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #cfo"><strong>Best for the rotating category card:</strong> Chase Freedom Flex℠</a></li><li><a href="#foodies" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #foodies"><strong>Best for dining: </strong>Capital One Savor Cash Rewards Credit Card</a></li><li><a href="#bluecash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bluecash"><strong>Best for groceries: </strong>Blue Cash Preferred® Card from American Express</a></li><li><a href="#rise" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #rise"><strong>Best for people new to credit:</strong> Chase Freedom Rise®</a></li><li><a href="#best-travel" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-travel"><strong>Best travel credit card for cash back:</strong> Chase Sapphire Preferred® Card</a></li><li><a href="#quicksilver" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #quicksilver"><strong>Best for bad credit:</strong> Capital One Quicksilver Secured Cash Rewards Credit Card</a></li><li><a href="#doublecash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #doublecash"><strong>Best for fair credit:</strong> Citi® Double Cash Card</a></li><li><a href="#customer" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #customer"><strong>Best for customer experience: </strong>Discover it® Cash Back</a></li><li><a href="#big-ticket" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #big-ticket"><strong>Best for big-ticket purchases:</strong> U.S. Bank Cash+® Visa Signature® Card</a></li><li><a href="#bluebuscash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bluebuscash"><strong>Best small business cash back card:</strong> American Express Blue Business Cash™ Card</a></li><li><a href="#InkBusUnlimited" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #InkBusUnlimited"><strong>Best business cash back card for large purchases:</strong> Ink Business Unlimited® Credit Card</a></li></ul></li><li><strong><a href="#What-is-a-cash-back" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #What-is-a-cash-back">What is a cash back credit card?</a></strong></li><li><strong><a href="#cash-back-credit-card" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #cash-back-credit-card">Can you get cash back with a credit card?</a></strong></li><li><strong><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose a cash back credit card</a></strong></li><li><strong><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons of cash back credit cards</a></strong></li><li><strong><a href="#types" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #types">Types of cash back credit cards</a></strong></li><li><strong><a href="#what" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what">What is a 0% intro APR?</a></strong></li><li><a href="#balance-transfer" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #balance-transfer"><strong>What is a balance transfer?</strong></a></li><li><a href="#foreign" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #foreign"><strong>What is a foreign transaction fee?</strong></a></li><li><strong><a href="#faq" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faq">Frequently Asked Questions</a></strong></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology"><strong>Our methodology</strong></a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li>Best cash back credit cards <ul><li><a href="#best-overall" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-overall"><strong>Best no annual fee cash back card:</strong> Wells Fargo Active Cash® Card</a></li><li><a href="#value" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #value"><strong>Best for maximizing rewards: </strong>Chase Freedom Unlimited®</a></li><li><a href="#cfo" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #cfo"><strong>Best for the rotating category card:</strong> Chase Freedom Flex℠</a></li><li><a href="#foodies" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #foodies"><strong>Best for dining: </strong>Capital One Savor Cash Rewards Credit Card</a></li><li><a href="#bluecash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bluecash"><strong>Best for groceries: </strong>Blue Cash Preferred® Card from American Express</a></li><li><a href="#rise" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #rise"><strong>Best for people new to credit:</strong> Chase Freedom Rise®</a></li><li><a href="#best-travel" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-travel"><strong>Best travel credit card for cash back:</strong> Chase Sapphire Preferred® Card</a></li><li><a href="#quicksilver" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #quicksilver"><strong>Best for bad credit:</strong> Capital One Quicksilver Secured Cash Rewards Credit Card</a></li><li><a href="#doublecash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #doublecash"><strong>Best for fair credit:</strong> Citi® Double Cash Card</a></li><li><a href="#customer" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #customer"><strong>Best for customer experience: </strong>Discover it® Cash Back</a></li><li><a href="#big-ticket" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #big-ticket"><strong>Best for big-ticket purchases:</strong> U.S. Bank Cash+® Visa Signature® Card</a></li><li><a href="#bluebuscash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bluebuscash"><strong>Best small business cash back card:</strong> American Express Blue Business Cash™ Card</a></li><li><a href="#InkBusUnlimited" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #InkBusUnlimited"><strong>Best business cash back card for large purchases:</strong> Ink Business Unlimited® Credit Card</a></li></ul></li><li><strong><a href="#What-is-a-cash-back" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #What-is-a-cash-back">What is a cash back credit card?</a></strong></li><li><strong><a href="#cash-back-credit-card" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #cash-back-credit-card">Can you get cash back with a credit card?</a></strong></li><li><strong><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose a cash back credit card</a></strong></li><li><strong><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons of cash back credit cards</a></strong></li><li><strong><a href="#types" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #types">Types of cash back credit cards</a></strong></li><li><strong><a href="#what" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what">What is a 0% intro APR?</a></strong></li><li><a href="#balance-transfer" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #balance-transfer"><strong>What is a balance transfer?</strong></a></li><li><a href="#foreign" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #foreign"><strong>What is a foreign transaction fee?</strong></a></li><li><strong><a href="#faq" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faq">Frequently Asked Questions</a></strong></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology"><strong>Our methodology</strong></a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p style="font-size:16px"><em>Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.</em></p> <p style="font-size:16px"><em>Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit <a href="http://americanexpress.com/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://americanexpress.com/" rel="noreferrer noopener">americanexpress.com</a> to learn more.</em></p> <p>Back in 1986, Sears, Roebuck & Co launched a radical new product called the Discover Card. Unlike other <a href="https://fortune.com/recommends/credit-cards/best-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-credit-cards/">credit cards</a> of its era, the Discover Card actually paid you for using it. In the words of the Discover Card’s 30-second <a href="https://www.youtube.com/watch?v=7u6d0ldx0oY" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.youtube.com/watch?v=7u6d0ldx0oY" rel="noopener">Super Bowl XXI commercial</a>: </p><div data-cy="nativoTout"></div><div class="paywall-selector"></div><div class="paywall"> <p>“Why should I pay with just any credit card when this one pays me money back?”</p> <p>Naturally, the idea of a “cash back rewards credit card” spread like wildfire, and 38 years of competition mean today’s cash back cards have become more rewarding than ever. From welcome bonuses topping $1,000 to up to 5% cash bacdk on everyday purchases, the rewards potential is enormous. </p> <p>But which cash back rewards card is best? Which one rewards foodies, travelers, and everyday spenders the most? Which card is ideal if you have imperfect credit or no credit history at all? </p> <p>Let’s explore the best cash back credit cards of 2024.</p> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why trust Fortune Recommends</h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines</a> and the <a href="https://fortune.com/fortune-recommends-credit-card-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-credit-card-methodology/">credit card methodology</a> for the ratings below.</p> <h4 class="wp-block-heading"></h4> <ul><li>More than 50 years of industry experience</li> <li>Featured speaker at over a dozen industry events</li> <li>4 levels of fact checking</li> <li>More than 50 cash back cards considered</li></ul></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Best cash back credit cards of November 2024</h4></summary><ul><li><strong>Best no annual fee cash back card:</strong> <a href="#best-overall" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-overall">Wells Fargo Active Cash® Card</a></li> <li><strong>Best for maximizing rewards: </strong><a href="#value" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #value">Chase Freedom Unlimited®</a></li> <li><strong>Best for the rotating category card:</strong> <a href="#cfo" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #cfo">Chase Freedom Flex℠</a></li> <li><strong>Best travel credit card for cash back: </strong><a href="#best-travel" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-travel">Chase Sapphire Preferred® Card</a></li> <li><strong>Best for dining: </strong><a href="#foodies" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #foodies">Capital One Savor Cash Rewards Credit Card</a></li> <li><strong>Best for groceries: </strong><a href="#bluecash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bluecash">Blue Cash Preferred® Card from American Express</a></li> <li><strong>Best for people new to credit:</strong> <a href="#rise" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #rise">Chase Freedom Rise®</a></li> <li><strong>Best for bad credit:</strong> <a href="#quicksilver" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #quicksilver">Capital One Quicksilver Secured Cash Rewards Credit Card</a></li> <li><strong>Best for fair credit:</strong> <a href="#doublecash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #doublecash">Citi® Double Cash Card</a></li> <li><strong>Best for customer experience: </strong><a href="#customer" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #customer">Discover it® Cash Back</a></li> <li><strong>Best for big-ticket purchases:</strong> <a href="#big-ticket" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #big-ticket">U.S. Bank Cash+® Visa Signature® Card</a></li> <li><strong>Best small business cash back card:</strong> <a href="#bluebuscash" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bluebuscash">American Express Blue Business Cash™ Card</a></li> <li><strong>Best business cash back card for large purchases:</strong> <a href="#InkBusUnlimited" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #InkBusUnlimited">Ink Business Unlimited® Credit Card</a></li></ul></details> <hr class="sc-fa0656e5-0 gIAhfJ"/> <div class="product-card-inline-wrapper"> <div class="card-banner">SPONSORED PARTNER</div> <div class="card-area-1"> <h4 id="caponeqc" class="card-title">Capital One Quicksilver Cash Rewards Credit Card</h4> <section class="card-intro"> <h5>Intro Bonus</h5> Earn $200 as a one-time cash bonus once you spend $500 within 3 months from account opening. </section> <section class="card-description"> <table> <tbody> <tr> <td>Annual Fee</td> <td>$0</td> </tr> <tr> <td>0% Intro APR</td> <td>15 months <div tabindex="0" role="tooltip" aria-label="15 months 0% introductory APR for the first 15 months on purchases and balance transfers . After that, your APR will be 19.99% - 29.99%. BT fee applies " data-tooltip="0% introductory APR for the first 15 months on purchases and balance transfers. After that, your APR will be 19.74% - 29.74%. BT fee applies."></div></td> </tr> <tr> <td>Rewards</td> <td>1.5% cash back on all purchases</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="189" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 189'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159&src=692824&var2=3700969" rel="noopener noreferrer nofollow" aria-disabled="true">View Offer </a> <p class="cta-caption">at Cardratings.com</p> </div> <div class="card-area-4"> <section class="card-accordion one-pannels" role="tablist"> <input id="control0-e38062e7-5382-4017-b247-8dc363f7a01e" role="tab" name="accordion-pannel-e38062e7-5382-4017-b247-8dc363f7a01e" type="radio" aria-controls="content0-e38062e7-5382-4017-b247-8dc363f7a01e" checked=""/> <label tabindex="0" role="button" for="control0-e38062e7-5382-4017-b247-8dc363f7a01e"><label tabindex="0" role="button" for="control0-[ID]"> Our Take</label></label> <div id="content0-e38062e7-5382-4017-b247-8dc363f7a01e" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-e38062e7-5382-4017-b247-8dc363f7a01e">The Quicksilver card combines an appealing 0% APR period, a decent cash-back rate and a selection of unique benefits.</div> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159&src=692824&var2=3700969" rel="noopener noreferrer nofollow" aria-disabled="true">View Offer </a> <p class="cta-caption">at Cardratings.com</p> </section></div> </div> <h2 class="wp-block-heading" id="best-overall">Best no annual fee: Wells Fargo Active Cash® Card</h2> <p>The Active Cash keeps it simple with 2% cash back on all purchases with no categories to track or spending caps to hit. You’ll also get a $200 cash rewards bonus after spending $500 in purchases in the first three months, <span data-sheets-root="1" data-sheets-value="{" apr="" purchases="" and="" balance="" transfers="" for="" data-sheets-userformat="{">0% APR on purchases and balance transfers for 15 months</span> and $600 in cell phone protection to round out a stellar overall package.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Wells Fargo Active Cash® Card</h4> <section class="card-intro"> <h5>Intro Bonus</h5> Earn $200 cash rewards bonus after spending $500 in purchases in the first three months</section> <section class="card-description"> <table> <tbody> <tr> <td>0% balance transfer term</td> <td>15 months</td> </tr> <tr> <td>Balance transfer fee</td> <td>3% or $5 first 120 days, then 5%</td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>20.24%, 25.24%, or 29.99% variable APR</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="189" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 189'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/" target="_blank" class="sc-93594058-0 fowfrQ button-desktop " aria-label="Go to https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/" rel="noopener">Read our review</a> </div> <div class="card-area-4"> <section class="card-accordion two-pannels" role="tablist"> <input id="control0-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" role="tab" name="accordion-pannel-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" type="radio" aria-controls="content0-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" checked=""/> <label id="label0-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" tabindex="0" role="button" for="control0-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b">Rewards </label> <div id="content0-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li><span class="circle">2%</span> Unlimited 2% cash rewards on purchases</li> </ul> </div>  <input id="control1-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" role="tab" name="accordion-pannel-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" type="radio" aria-controls="content1-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b"/> <label id="label1-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" tabindex="0" role="button" for="control1-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b">Card Details</label> <div id="content1-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-d9bb4eb8-49e4-4ddc-bfb0-5473051c3b1b"> <li>Additional perks: Cell phone insurance, car rental insurance</li> <li>Foreign transaction fee: 3%</li> </div> <a href="https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/" target="_blank" class="sc-93594058-0 fowfrQ button-mobile " aria-label="Go to https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/" rel="noopener">Read our review</a></section> </div> </div> <p><strong>Why we like this card:</strong> The Wells Fargo Active Cash® Card may be the best cash back card on the market and for one simple reason: it offers a blanket 2% cash rewards on purchases. That objectively beats out the 1.5% you’ll see most other general-use rewards cards offer. </p> <p>In terms of overall value, the Active Cash Card definitely doesn’t stop there. You’ll also get a generous $200 cash rewards bonus after spending $500 in purchases in the first three months, <span data-sheets-root="1" data-sheets-value="{" apr="" purchases="" and="" balance="" transfers="" for="" data-sheets-userformat="{">0% APR on purchases and balance transfers for 15 months</span> and even $600 in cell phone protection (which covers damage and theft) with a minimal $25 deductible (so the next time you crack your screen, Wells Fargo may help with the repair bill). </p> <p>As for drawbacks, the card lacks any form of travel protection beyond basic rental car insurance. Plus, its 3% foreign transaction fee will nullify your 2% cash rewards on purchases as soon as you land overseas. As a net result, it’s not much of a travel companion (the Chase Sapphire Preferred® Card, detailed below, is a far better option). </p> <p>But for daily usage—especially for someone who doesn’t have the mental space to track rotating bonus categories, and just wants maximum cash back on each purchase—the Wells Fargo Active Cash is the no-fee card to beat.</p> <p>Learn more: See our <a href="https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/">Active Cash review</a> and learn <a href="https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/">how to choose a cash-back credit card</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span data-sheets-root="1" data-sheets-value="{" apr="" purchases="" and="" balance="" transfers="" for="" data-sheets-userformat="{">0% APR on purchases and balance transfers for 15 months</span></li><li>$0 annual fee</li><li><span style="font-weight:400">Earns rewards</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Foreign transaction fee</span></li><li><span style="font-weight:400">High balance transfer fee after first 120 days</span></li></ul></div></div> <h3 class="wp-block-heading">Wells Fargo Rewards</h3> <p>The official Wells Fargo Active Cash Card webpage makes countless mentions of the term “cash back rewards,” which sounds a lot like you’ll be getting straight cash back. But in reality, you’ll be earning points that are redeemable in multiple ways: </p> <ul><li>Statement credit</li> <li>Covering existing purchases</li> <li>Getting literal cash from an ATM (in $20 increments)</li> <li>Gift cards</li> <li>Booking travel via Wells Fargo Travel </li> <li>Shopping with one of Wells Fargo’s retail partners</li></ul> <p>Wells Fargo also has a small (but growing) list of transfer partners that accept Wells Fargo Rewards points at various ratios. However, only two Wells Fargo rewards cards currently offer the ability to transfer points: the <a href="https://fortune.com/recommends/credit-cards/wells-fargo-autograph-visa-card-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/wells-fargo-autograph-visa-card-review/">Wells Fargo Autograph℠ Card</a> and the <a href="https://fortune.com/recommends/credit-cards/wells-fargo-autograph-journey-credit-card-launch-news/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/wells-fargo-autograph-journey-credit-card-launch-news/">Wells Fargo Autograph Journey℠ Visa® Card</a>.</p> <p>So if you have an Active Cash card, you’ll probably be redeeming most of your points for cash back at a rate of 1 cent per point. Still, you should be able to rack up points pretty quickly given the card’s generous welcome bonus and rewards structure. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Wells Fargo Active Cash Benefits</h4></summary><ul><li>$0 annual fee</li> <li>2% cash rewards on purchases</li> <li>$200 cash rewards bonus after spending $500 in purchases in the first three months</li> <li><span data-sheets-root="1" data-sheets-value="{" apr="" purchases="" and="" balance="" transfers="" for="" data-sheets-userformat="{">0% APR on purchases and balance transfers for 15 months</span></li> <li>$600 in Cell Phone Protection covering damage and theft ($25 deductible)</li> <li>Rental car insurance</li> <li>Emergency Cash Disbursement and Card Replacement</li></ul></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>If you are a one-card type of person, a 2% cash-back card like the Active Cash makes a lot of sense. When you’re ready to branch out a bit, hold on to that flat-rate card and add one with tiered benefits in bonus categories that match up with your spending. <em><a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/dia-adams/">Dia Adams, Senior Editor</a></em></p></div></div> <h2 class="wp-block-heading" id="value">Best for those who want the most value: Chase Freedom Unlimited®</h2> <p>We’re big fans of the Chase Freedom Unlimited®, especially for its ease of pairing with other cards in the Chase ecosystem. With the Unlimited and the Freedom Flex in hand, you’ll maximize your cash-back earnings. Or pair it with a Sapphire Preferred and use those points for travel at an elevated rate. The choice is yours.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Chase Freedom Unlimited®</h4> <section class="card-intro"> <h5>Intro bonus</h5> An additional 1.5% on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back.</section> <section class="card-description"> <table> <tbody> <tr> <td>Intro 0% balance transfer term</td> <td>15 months</td> </tr> <tr> <td>Balance transfer fee</td> <td><span data-sheets-value="{" or="" of="" the="" amount="" each="" whichever="" is="" transfers="" made="" within="" days="" account="" opening.="" after="" that:="" either="" data-sheets-userformat="{">$5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.</span></td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>19.99%–28.74% variable</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090&src=692824&var2=3700969" rel="noopener" aria-disabled="true"><img alt="" loading="lazy" width="300" height="189" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 189'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=1440&q=75"/></a></div> <div class="card-area-3"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-desktop redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090&src=692824&var2=3700969" rel="noopener nofollow noreferrer" aria-disabled="true">Learn more</a> <p class="cta-caption">at cardratings.com</p> </div> <div class="card-area-4"> <section class="card-accordion three-pannels" role="tablist"> <input id="control0-ff93b933-3274-40fa-930f-c596fb0c7070" role="tab" name="accordion-pannel-ff93b933-3274-40fa-930f-c596fb0c7070" type="radio" aria-controls="content0-ff93b933-3274-40fa-930f-c596fb0c7070" checked=""/> <label id="label0-ff93b933-3274-40fa-930f-c596fb0c7070" tabindex="0" role="button" for="control0-ff93b933-3274-40fa-930f-c596fb0c7070"> Our Take </label> <div id="content0-ff93b933-3274-40fa-930f-c596fb0c7070" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-ff93b933-3274-40fa-930f-c596fb0c7070">The Chase Freedom Unlimited® card is a well-rounded rewards card, offering generous cash-back earnings in a variety of categories. The $0 annual fee and an introductory 15-month 0% APR make this card particularly attractive to budget-conscious cardholders.</div>  <input id="control1-ff93b933-3274-40fa-930f-c596fb0c7070" role="tab" name="accordion-pannel-ff93b933-3274-40fa-930f-c596fb0c7070" type="radio" aria-controls="content1-ff93b933-3274-40fa-930f-c596fb0c7070"/> <label id="label1-ff93b933-3274-40fa-930f-c596fb0c7070" tabindex="0" role="button" for="control1-ff93b933-3274-40fa-930f-c596fb0c7070">Rewards </label> <div id="content1-ff93b933-3274-40fa-930f-c596fb0c7070" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-ff93b933-3274-40fa-930f-c596fb0c7070"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li><span class="circle">6.5%</span> 6.5% on travel purchased through Chase Travel℠</li> <li><span class="circle">4.5%</span> 4.5% cash back on dining including takeout and eligible delivery service</li> <li><span class="circle">4.5%</span> 4.5% cash back on drugstore purchases </li> <li><span class="circle">3%</span> <span data-sheets-root="1" data-sheets-value="{" cash="" back="" all="" eligible="" purchases="" up="" to="" spent="" in="" the="" first="" data-sheets-userformat="{">3% cash back on all eligible purchases (on up to $20,000 spent in the first year)</span></li> <li><span class="circle">5%</span> 5% cash back on Lyft purchases (through March 2025)</li> </ul> </div>  <input id="control3-ff93b933-3274-40fa-930f-c596fb0c7070" role="tab" name="accordion-pannel-ff93b933-3274-40fa-930f-c596fb0c7070" type="radio" aria-controls="content3-ff93b933-3274-40fa-930f-c596fb0c7070"/> <label id="label3-ff93b933-3274-40fa-930f-c596fb0c7070" tabindex="0" role="button" for="control3-ff93b933-3274-40fa-930f-c596fb0c7070">Card details </label> <div id="content3-ff93b933-3274-40fa-930f-c596fb0c7070" class="card-accordion-panel" role="tabpanel" aria-labelledby="label3-ff93b933-3274-40fa-930f-c596fb0c7070"> <ul> <li>Additional perks: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership</li> <li>Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars</li> </ul> </div> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-mobile redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">Learn more</a> <p class="cta-caption">at cardratings.com</p> </section> </div> </div> <p><strong>Why we like this card: </strong>The Chase Freedom Unlimited® frees your mind from having to consider which card to use at checkout. You’ll receive, at minimum, 1.5X cash back on all eligible purchases, plus 3X on dining and drugstores, and 5X on travel booked through Chase Travel℠. </p> <p>The Freedom Unlimited also offers Purchase Protection, Extended Warranty Protection, rental car insurance and even Trip Cancellation/Interruption Insurance, which is a rarity for a non-travel rewards card. </p> <p>So, while the Freedom Unlimited card’s base earnings rate of 1.5X falls a pinch behind the 2X that some rivals offer, the card makes up the difference with 3X and 5X categories, beaucoup purchase and travel insurance and the ability to transfer points to your Chase Sapphire Preferred account for even more value.</p> <p>Learn more about the card with our <a href="https://fortune.com/recommends/credit-cards/chase-freedom-unlimited-review/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/chase-freedom-unlimited-review/" rel="noreferrer noopener">Freedom Unlimited review</a> or see <a href="https://fortune.com/recommends/credit-cards/how-to-combine-chase-ultimate-rewards-points/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/how-to-combine-chase-ultimate-rewards-points/">how to combine Ultimate Rewards</a> for maximum value.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">$0 annual fee</span></li><li><span style="font-weight:400">Easy-to-earn welcome bonus</span></li><li><span style="font-weight:400">Earns at least 1.5% cash back</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Foreign transaction fee</span></li><li><span style="font-weight:400">Other cash-back cards offer 2% cash back</span></li></ul></div></div> <h3 class="wp-block-heading">How to combine Ultimate Rewards points</h3> <p>In the above sections, I made multiple references to how you can actually transfer points from a Chase Freedom Unlimited account to a Chase Sapphire Preferred account to instantly boost their value. Here’s how it all works. </p> <p>When you go to your Chase Ultimate Rewards dashboard and choose your Chase Freedom Unlimited account, you’ll see an option under Rewards Details called Combine Points. This feature allows you to move points from one card account to another, meaning you could pool all of the points you just earned with your Chase Freedom Unlimited into your Chase Sapphire Preferred account. </p> <p>Why would you want to do this?</p> <p>Well, for one thing, points in your Chase Sapphire Preferred account get an instant 25% bonus when redeemed through Chase Travel℠. That means 30,000 points is worth $375 towards airfare, hotels and more. </p> <p>Plus, unlike points in your Freedom Unlimited account, points in your Chase Sapphire Preferred account can be transferred to one of Chase’s 14 transfer partners at a minimum 1:1 ratio. You’ll often see promos, too, such as an 80% transfer bonus to IHG. </p> <p>In summary, the Combine Points feature allows you to earn points with your Chase Freedom Unlimited, then <em>spend </em>them with your Chase Sapphire Preferred for maximum travel value. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Chase Freedom Unlimited Benefits</h4></summary><ul><li>$0 annual fee</li> <li>1.5X on all eligible purchases, 3X on drugstores and dining, 5X on Chase Travel℠</li> <li>Get additional 1.5% on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back</li> <li>0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 19.99%–28.74%)</li> <li>Purchase protection</li> <li>Extended warranty protection</li> <li>Rental car insurance</li> <li>Trip Cancellation/Interruption insurance</li></ul></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>I find the Freedom Unlimited is the perfect companion for my Sapphire Reserve and Chase Freedom Flex cards. I use it for everyday purchases that don’t fall into bonus categories from the other cards, and then I often transfer the Ultimate Rewards points to the Sapphire Reserve before redeeming. <em>Louis DeNicola, Fortune contributor</em></p></div></div> <h2 class="wp-block-heading" id="cfo">Best for rotating bonus categories: Chase Freedom Flex℠</h2> <p>The Chase Freedom Flex℠ shines for its maximized earning rate of 5% on a series of categories that change every quarter. Used properly, the card is a workhorse for rewards.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Chase Freedom Flex℠</h4> <section class="card-intro"> <h5>Intro bonus</h5> $200 cash bonus after spending $500 on purchases within your first three months</section> <section class="card-description"> <table> <tbody> <tr> <td>0% balance transfer term</td> <td>15 months</td> </tr> <tr> <td>Balance transfer fee</td> <td>3%</td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>20.49%–29.24% Variable</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png?w=1440&q=75"/></div> <div class="card-area-4"> <section class="card-accordion three-pannels" role="tablist"> <input id="control0-9e4cdda0-1443-44d5-93ab-8d5407d2b714" role="tab" name="accordion-pannel-9e4cdda0-1443-44d5-93ab-8d5407d2b714" type="radio" aria-controls="content0-9e4cdda0-1443-44d5-93ab-8d5407d2b714" checked=""/> <label id="label0-9e4cdda0-1443-44d5-93ab-8d5407d2b714" tabindex="0" role="button" for="control0-9e4cdda0-1443-44d5-93ab-8d5407d2b714">Our take</label> <div id="content0-9e4cdda0-1443-44d5-93ab-8d5407d2b714" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-9e4cdda0-1443-44d5-93ab-8d5407d2b714"> The Chase Freedom Flex℠ card has $0 annual fee, and users can earn a hefty 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%). With additional benefits like an extended introductory annual percentage rate (APR) period, cell phone protection, and car rental collision coverage, this card is packed with perks. </div>  <input id="control1-9e4cdda0-1443-44d5-93ab-8d5407d2b714" role="tab" name="accordion-pannel-9e4cdda0-1443-44d5-93ab-8d5407d2b714" type="radio" aria-controls="content1-9e4cdda0-1443-44d5-93ab-8d5407d2b714"/> <label id="label1-9e4cdda0-1443-44d5-93ab-8d5407d2b714" tabindex="0" role="button" for="control1-9e4cdda0-1443-44d5-93ab-8d5407d2b714">Rewards </label> <div id="content1-9e4cdda0-1443-44d5-93ab-8d5407d2b714" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-9e4cdda0-1443-44d5-93ab-8d5407d2b714"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li><span class="circle">5%</span> 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%)</li> <li><span class="circle">5%</span> 5% cash back on travel purchased through Chase Ultimate Rewards</li> <li><span class="circle">3%</span> 3% cash back on dining (including restaurants, takeout and eligible delivery services)</li> <li><span class="circle">3%</span> 3% cash back on drugstore purchases</li> <li><span class="circle">1%</span> 1% cash back on all other purchases</li> <li><span class="circle">5%</span> 5% cash back on Lyft rides (through March 2025)</li> </ul> </div>  <input id="control3-9e4cdda0-1443-44d5-93ab-8d5407d2b714" role="tab" name="accordion-pannel-9e4cdda0-1443-44d5-93ab-8d5407d2b714" type="radio" aria-controls="content3-9e4cdda0-1443-44d5-93ab-8d5407d2b714"/> <label id="label3-9e4cdda0-1443-44d5-93ab-8d5407d2b714" tabindex="0" role="button" for="control3-9e4cdda0-1443-44d5-93ab-8d5407d2b714">Card details </label> <div id="content3-9e4cdda0-1443-44d5-93ab-8d5407d2b714" class="card-accordion-panel" role="tabpanel" aria-labelledby="label3-9e4cdda0-1443-44d5-93ab-8d5407d2b714"> <ul> <li>Additional perks: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership</li> <li>Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars</li> </ul> </div> </section> </div> </div> <h4 class="wp-block-heading">Why we like this card </h4> <p>The Chase Freedom Flex℠ card’s hallmark feature is the 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%) that change out every three months of the calendar year. At the time of this writing (Q3 2024), the current 5X rewards categories are Gas Stations, EV Charging, Select Live Entertainment and Movie Theaters. Prior to that was Amazon, Hotels and Restaurants in Q2, and Q1 featured Grocery Stores and Fitness Clubs. </p> <p>Outside of the 5X categories (which are capped at $1,500 worth of spending aka $75 cash back), you’ll earn an unlimited 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining (including restaurants, takeout and eligible delivery services), 3% cash back on drugstore purchases and 1% cash back on all other purchases. There’s also a $200 cash bonus after spending $500 on purchases within your first three months, 0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%) and up to $800 per claim in Cell Phone Protection (with a $50 deductible). </p> <p>Put it all together and you have a 5X rewards card that probably isn’t strong enough on its own (especially given the $75 cap on rewards each quarter), but will pair extremely well with your other general-use rewards card. The cherry on top—and why it dominates other rotating rewards cards—is the ability to transfer points you earn with the Flex to your Chase Sapphire Preferred account for 25% bonus redemption value via travel.</p> <p>To dig deeper, see our <a href="https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/" rel="noreferrer noopener">Freedom Flex review</a>. </p> <p><strong>Learn more:</strong> <a href="https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/" rel="noreferrer noopener">Why I switched from travel rewards to cash back, and how to know if you should, too</a></p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">$0 annual fee</span></li><li><span style="font-weight:400">Easy-to-earn welcome bonus</span></li><li><span style="font-weight:400">Earns up to 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%)</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Foreign transaction fee</span></li><li><span style="font-weight:400">Must activate bonus categories every quarter</span></li><li><span style="font-weight:400">5% categories are capped</span></li></ul></div></div> <h3 class="wp-block-heading">What are the Chase Freedom Flex bonus categories?</h3> <p>Here’s a quick recap of the Chase Freedom Flex’s bonus categories from the past four quarters: </p> <ul><li>October – December 2023: Wholesale Clubs (e.g. Costco, Sam’s Club), Select Charities and PayPal</li> <li>January – March 2024: Grocery Stores (excluding Wal-Mart and Target), Fitness Clubs & Gym Memberships and Self-Care and Spa Services</li> <li>April – June 2024: Amazon.com, Hotels and Restaurants</li> <li>July – September 2024: Gas Stations, EV Charging, Select Live Entertainment and Movie Theaters</li></ul> <h3 class="wp-block-heading">How to activate quarterly 5% bonus categories</h3> <p>For reasons we’re not privy to, Chase requires you to manually “activate” your rewards each quarter when you have the Flex card. If you miss the deadline to activate, you won’t receive 5X rewards that quarter. </p> <p>The good news is that the deadline isn’t toward the end of the quarter (e.g. September 14th for Q3 2024), so even if it slips your mind for a month or two, you’ll still have plenty of time. Plus, activating just takes a single click – you can do so from the reminder email Chase sends you, from your main account dashboard or from <a href="http://chase.com/bonus" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://chase.com/bonus" rel="noopener">Chase.com/bonus</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Chase Freedom Flex benefits</h4></summary><ul><li>$0 annual fee</li> <li>5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%), 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on drugstore purchases, 3% cash back on dining (including restaurants, takeout and eligible delivery services), 1% cash back on all other purchases</li> <li>$200 cash bonus after spending $500 on purchases within your first three months</li> <li>0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%)</li> <li>Purchase protection</li> <li>Extended warranty protection</li> <li>Rental car insurance</li> <li>Trip Cancellation/Interruption insurance</li> <li>Cell Phone Protection (up to $800 per claim, $50 deductible)</li></ul></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>If you’re not using the Chase Freedom Flex and Chase Sapphire Preferred in tandem, you’re missing out. The no-fee Flex card gives me 5X on quarterly rotating categories like Amazon and groceries, which I then migrate to my Sapphire account where they’re worth 25% extra in travel redemption value. In essence, I’m getting 6.25X in travel on everyday purchases. <a href="https://fortune.com/author/chris-butsch/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/chris-butsch/" rel="noreferrer noopener"><em>Chris Butsch, Fortune contributor</em></a></p></div></div> <h2 class="wp-block-heading" id="best-travel">Best travel credit card for cash back: Chase Sapphire Preferred® Card</h2> <p>Despite rising competition, the Chase Sapphire Preferred® Card remains our favorite travel cash back card due to its generous 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening You also get numerous 2X to 5X rewards categories, and sweet 25% multiplier for points redeemed via Chase Travel℠. Toss in 14 transfer partners and a cornucopia of travel insurance and you have a sweet metal card that deserves a spot next to your passport.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Chase Sapphire Preferred® Card</h4> <section class="card-intro"> <h5>Intro bonus</h5> 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening </section><section class="card-description"> <table> <tbody> <tr> <td>Annual fee</td> <td>$95</td> </tr> <tr> <td>Regular APR</td> <td>20.99%–27.99% variable</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159&src=692824&var2=3700969" rel="noopener" aria-disabled="true"><img alt="" loading="lazy" width="289" height="181" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 289 181'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=1440&q=75"/></a></div> <div class="card-area-3"> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-desktop redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">Learn More </a> <p class="cta-caption">at Cardratings.com</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" role="tab" name="accordion-pannel-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" type="radio" aria-controls="content0-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" checked=""/> <label id="label0-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" tabindex="0" role="button" for="control0-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9"> Our Take </label> <div id="content0-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9">The Chase Sapphire Preferred® Card offers an impressive welcome bonus, bonus value on travel redemptions and several transfer partners. If you’re looking for luxury travel perks, however, the card may leave you wanting more.</div>  <input id="control1-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" role="tab" name="accordion-pannel-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" type="radio" aria-controls="content1-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9"/> <label id="label1-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" tabindex="0" role="button" for="control1-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9"> Rewards </label> <div id="content0-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li><span class="circle">5x</span>5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit)</li> <li><span class="circle">3x</span>3x points on dining at restaurants, including takeout and eligible delivery services</li> <li><span class="circle">2x</span>2x points on travel purchases not booked through Chase</li> <li><span class="circle">1x</span>1x points on other purchases</li> <li><span class="circle">5x</span>5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel)</li> </ul> </div>  <input id="control2-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" role="tab" name="accordion-pannel-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" type="radio" aria-controls="content2-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9"/> <label id="label2-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" tabindex="0" role="button" for="control2-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9"> Card details </label> <div id="content2-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-643e9621-d1a7-46f1-8dd1-ff9e37fb3ee9"> <ul> <li>Additional perks: $50 annual hotel credit, trip cancelation/interruption insurance, auto rental collision damage waiver, complimentary Doordash and Instacart+ membership along with quarterly Instacart+ credits</li> <li>Foreign transaction fee: None</li> </ul> </div> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-mobile redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">Learn More</a> <p class="cta-caption">at Cardratings.com</p> </section></div> </div> <p><strong>Why we like this card:</strong> It’s rather appropriate that the Chase Sapphire Preferred® Card card aka “CSP” comes in thick metal form since the card is so (figuratively) dense with travel benefits. Right off the bat, you’ll get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening</p> <p>Beyond that, the card generates 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining, 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on travel purchases and 1x points on other purchases. There’s also a $50 annual hotel credit, free DashPass and a metric ton of travel insurance and purchase protection. </p> <p>In addition to the 25% redemption bonus, having a Chase Sapphire Preferred account also unlocks the ability to transfer your Chase Ultimate Rewards points to one of the bank’s 14 transfer partners. Transfer ratios are all 1:1, so if you move your points to a program with exceptionally high individual point values (*cough* World of Hyatt), you can make your Chase points go even further towards your next trip. </p> <p>But even if you don’t have any upcoming travel plans and just need to pay the bills, the CSP’s generous welcome bonus and 2X to 5X categories can net some serious cash back. </p> <p>To learn more, check out our <a href="https://fortune.com/recommends/credit-cards/chase-sapphire-preferred-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/chase-sapphire-preferred-review/">full review of the Chase Sapphire Preferred</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">Valuable welcome bonus</span></li><li><span style="font-weight:400">Extensive list of transfer partners</span></li><li><span style="font-weight:400">Extra value on travel redemptions</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">No premium travel perks (e.g. lounge access)</span></li><li><span style="font-weight:400">No instant status with any airline or hotel</span></li><li>$95 annual fee</li></ul></div></div> <h3 class="wp-block-heading">What is the Chase Trifecta?</h3> <p>As you shop around for the right credit credit cards, you may see mention of something called the “Chase Trifecta.” </p> <p>The Chase Trifecta comprises the Chase Freedom Unlimited, Freedom Flex and Sapphire Preferred. Having this strategic combination of cards in your wallet is so effective at maximizing points that it scored its own nickname. </p> <p>As you may have surmised, the idea is to alternate between your no-fee Freedoms so that you’re always earning between 1.5X and 5X on everyday purchases. Then, when it’s time to book travel, you can use the Combine Points feature to move your Chase Ultimate Rewards points over to your Sapphire Preferred account where you’ll get an extra 25% in redemption value or have the ability to transfer to travel partners for even more value. </p> <p>If you travel for work, you might consider swapping out the Sapphire Preferred for the Ink Business Preferred® Credit Card, which offers the same 25% travel redemption bonus plus a 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠. And if you travel multiple times per month, either for work or business, you might even pair the Freedom Flex and Unlimited with the Chase Sapphire Reserve® card, which ups the redemption bonus from 25% to 50%. </p> <p>Speaking of Chase Ultimate Rewards, let’s touch on the program a bit more before moving on to our next card. </p> <h3 class="wp-block-heading">Chase Ultimate Rewards</h3> <p>Chase Ultimate Rewards may be the best overall rewards card program on the market due to its flexible redemption options, high point values and frequent promotional bonuses. </p> <p>For starters, Chase Ultimate Rewards points are always worth at least a penny each via statement credit. That instantly gives the program a leg up against its chief rival Amex Membership Rewards, which only offers 0.6 cents per point in statement credit. You can also redeem points through Chase Travel℠, cash out for gift cards (often with a 10% bonus multiplier) and donate points to charity. </p> <p>Holders of the Sapphire Preferred, Sapphire Reserve and Ink Business Preferred cards also have the option of transferring points to one of Chase’s 14 transfer partners including Southwest, United, Hyatt and more. While most ratios are 1:1, you’ll sometimes see temporary promotional rates which can stretch your point values even further (e.g. 80% bonus with IHG at the time of writing). </p> <p>Learn more about why we think it’s the program to beat in our full review of <a href="https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/">Chase Ultimate Rewards</a>. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Chase Sapphire Preferred card benefits</h4></summary><ul><li>$95 annual fee</li> <li>5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel), 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining, 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on travel purchases, 1x points on other purchases</li> <li>60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening</li> <li>25% bonus multiplier on all points redeemed through Chase Travel℠</li> <li>$50 Annual Hotel Benefit good towards hotels booked through Chase Travel℠</li> <li>Complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027</li> <li>Purchase protection</li> <li>Extended warranty protection</li> <li>Rental car insurance</li> <li>Trip Cancellation/Interruption insurance</li> <li>Trip Delay Reimbursement</li> <li>Baggage delay insurance</li></ul></details> <h2 class="wp-block-heading" id="foodies">Best cash back credit card for foodies: Capital One Savor Cash Rewards Credit Card</h2> <p>The Capital One Savor Cash Rewards Credit Card gives extra rewards for both dining and groceries, meaning that everything you eat can earn extra cash back. The Savor Cash Rewards is also the rare card that offers entertainment as a bonus category so even your movie popcorn will earn more points.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Capital One Savor Cash Rewards Credit Card</h4> <section class="card-intro"> <h5>Intro Bonus</h5> Earn a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time </section><section class="card-description"> <table> <tbody> <tr> <td>0% intro balance transfer term</td> <td>15 months</td> </tr> <tr> <td>Balance transfer fee</td> <td>3% <div tabindex="0" role="tooltip" aria-label="3% for first 15 months account is open, then 4%" data-tooltip="3% for first 15 months account is open, then 4%"></div></td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>19.74%-29.74, based on your creditworthiness</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129&src=692824&var2=3700969" rel="noopener" aria-disabled="true"><img alt="" loading="lazy" width="300" height="189" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 189'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=1440&q=75"/></a></div> <div class="card-area-3"> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Cardratings.com</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-ba8d2ffa-37ff-449d-9c1f-97fca2178166" role="tab" name="accordion-pannel-ba8d2ffa-37ff-449d-9c1f-97fca2178166" type="radio" aria-controls="content0-ba8d2ffa-37ff-449d-9c1f-97fca2178166" checked=""/> <label id="label0-ba8d2ffa-37ff-449d-9c1f-97fca2178166" tabindex="0" role="button" for="control0-ba8d2ffa-37ff-449d-9c1f-97fca2178166"> Our Take </label> <div id="content0-ba8d2ffa-37ff-449d-9c1f-97fca2178166" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-ba8d2ffa-37ff-449d-9c1f-97fca2178166"> If you are an avid foodie or concert goer, the Savor Cash Rewards will reward you handsomely, especially considering it has no annual fee. </div>  <input id="control1-ba8d2ffa-37ff-449d-9c1f-97fca2178166" role="tab" name="accordion-pannel-ba8d2ffa-37ff-449d-9c1f-97fca2178166" type="radio" aria-controls="content1-ba8d2ffa-37ff-449d-9c1f-97fca2178166"/> <label id="label1-ba8d2ffa-37ff-449d-9c1f-97fca2178166" tabindex="0" role="button" for="control1-ba8d2ffa-37ff-449d-9c1f-97fca2178166">Rewards </label> <div id="content1-ba8d2ffa-37ff-449d-9c1f-97fca2178166" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-ba8d2ffa-37ff-449d-9c1f-97fca2178166"> <h5 class="card-rates-title">Reward Rates</h5> <ul class="card-rates-list"> <li><span class="circle">8x</span>8% cash back on Capital One Entertainment purchases</li> <li><span class="circle">5x</span><span data-sheets-value="{" cash="" back="" hotels="" and="" rental="" cars="" booked="" through="" capital="" travel="" data-sheets-userformat="{">unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)</span></li> <li><span class="circle">3x</span>unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services</li> <li><span class="circle">1x</span>1% on all other purchases</li> </ul> </div>  <input id="control2-ba8d2ffa-37ff-449d-9c1f-97fca2178166" role="tab" name="accordion-pannel-ba8d2ffa-37ff-449d-9c1f-97fca2178166" type="radio" aria-controls="content2-ba8d2ffa-37ff-449d-9c1f-97fca2178166"/> <label id="label2-ba8d2ffa-37ff-449d-9c1f-97fca2178166" tabindex="0" role="button" for="control2-ba8d2ffa-37ff-449d-9c1f-97fca2178166">Card Details </label> <div id="content2-ba8d2ffa-37ff-449d-9c1f-97fca2178166" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-ba8d2ffa-37ff-449d-9c1f-97fca2178166"> <ul> <li>The Savor offers travel accident insurance, extended warranty protection, and exclusive access to events through Capital One Dining and Capital One Entertainment</li> </ul> </div> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Cardratings.com</p> </section></div> </div> <h4 class="wp-block-heading">Why we like this card </h4> <p>The Capital One Savor Cash Rewards Credit Card ensures you get plenty of value out of your card right away with one of the highest earning rates on both dining and groceries for a card with a $0 annual fee.</p> <p>The appropriately-named Capital One Savor Cash Rewards Credit Card is our favorite foodie card for numerous reasons. For starters, it offers unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services. So whether you’re ordering takeout to watch Hulu at home or you’re sipping margaritas at Madison Square Garden, you’ll be racking up 3X points. </p> <p>The card also offers 0% intro APR on purchases and balance transfers for 15 months from account opening (after that, the variable APR will be 19.74%-29.74%) and a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time. It’s not a half-bad travel card, either, since there is a 0% foreign transaction fee, Travel Accident Insurance is included and you’ll get 50% off handcrafted beverages at all 55 Capital One Café locations nationwide. </p> <p>All told, those are better food-related benefits than most premium rewards cards can offer, and the Savor Cash Rewards card has a $0 annual fee.</p> <p>For more info on the <a href="https://fortune.com/recommends/credit-cards/capital-one-savor-one-cash-rewards-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/capital-one-savor-one-cash-rewards-review/">Savor Cash Rewards card</a> check out our full review.</p> <p><strong>Learn more: </strong><a href="https://fortune.com/recommends/credit-cards/credit-card-points-vs-miles-vs-cash-back/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/credit-card-points-vs-miles-vs-cash-back/" rel="noreferrer noopener">Should you get a cash-back credit card or a travel credit card?</a></p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">$0 annual fee</span></li><li><span style="font-weight:400">Generous rewards on dining out or eating in</span></li><li><span style="font-weight:400">0% foreign transaction fee</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Grocery store category doesn’t include superstores like Walmart and Target</span></li><li><span style="font-weight:400">Streaming category only includes selected services</span></li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Savor Cash Rewards Card Benefits</h4></summary><ul><li>$0 annual fee</li> <li>Get <span data-sheets-value="{" cash="" back="" hotels="" and="" rental="" cars="" booked="" through="" capital="" travel="" data-sheets-userformat="{">unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)</span>, unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services, 1% on all other purchases</li> <li>Get a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time</li> <li>0% intro APR on purchases and balance transfers for 15 months from account opening (after that, the variable APR will be 19.74%-29.74%)</li> <li>0% foreign transaction fee</li> <li>Travel Accident Insurance</li> <li>Extended warranty protection</li> <li>50% off handcrafted beverages at Capital One Café locations nationwide</li></ul></details> <p>Learn more: <a href="https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/">Should you get a cash-back credit card or a travel credit card?</a></p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>While $0 annual fee cash-back cards can be a valuable tool, many are not ideally suited for travel as they charge a foreign transaction fee. If you travel internationally, consider a cash back card from Capital One as none of its cards have them. <a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/dia-adams/"><em>Dia Adams, Senior Editor</em></a></p></div></div> <h2 class="wp-block-heading" id="bluecash">Best for groceries: Blue Cash Preferred® Card from American Express</h2> <p>The Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and a generous $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months. The card’s $95, but it may still be worth keeping since 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) is $360 each year.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 class="card-title">Blue Cash Preferred® Card from American Express</h3> <p class="card-subtitle"><a href="https://oc.brcclx.com/t?lid=26687221&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687221&tid=3700969" rel="noopener nofollow" aria-disabled="true">See Rates and Fees</a></p> <section class="card-intro"> <h4>Intro Bonus</h4> Earn $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months</section> <section class="card-description"> <table> <tbody> <tr> <td>0% offer</td> <td>0% introductory APR for the first 12 months <div tabindex="0" role="tooltip" aria-label="0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)" data-tooltip="0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)"> </div> </td> </tr> <tr> <td>Balance transfer offer</td> <td>0% intro APR on balance transfers for 12 months <div tabindex="0" role="tooltip" aria-label="0% intro APR on balance transfers for 12 months from the date of account opening on requests within 60 days of account opening (after that, the variable APR will be 18.49% - 29.49%)" data-tooltip="0% intro APR on balance transfers for 12 months from the date of account opening on requests within 60 days of account opening (after that, the variable APR will be 18.49% - 29.49%)"> </div> </td> </tr> <tr> <td>Balance transfer fee</td> <td>$5 or 3% of the amount of each transfer, whichever is greater</td> </tr> <tr> <td>Annual fee</td> <td>$0 intro annual fee for the first year, then $95</td> </tr> <tr> <td>Regular APR</td> <td>18.49% - 29.49% Variable</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><a href="https://oc.brcclx.com/t?lid=26687182&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687182&tid=3700969" rel="noopener" aria-disabled="true"><img alt="" loading="lazy" width="300" height="190" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 190'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=1440&q=75"/></a></div> <div class="card-area-3"><a href="https://oc.brcclx.com/t?lid=26687182&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687182&tid=3700969" rel="noopener nofollow" aria-disabled="true">View Offer </a> <p class="cta-caption">at Bankrate</p> </div> <div class="card-area-4"> <section class="card-accordion two-pannels" role="tablist"> <input id="control0-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" role="tab" name="accordion-pannel-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" type="radio" aria-controls="content0-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" checked=""/> <label id="label0-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" tabindex="0" role="button" for="control0-438ce9c6-c58b-4f7d-9bbf-05ef632fed48">Rewards </label> <div id="content0-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-438ce9c6-c58b-4f7d-9bbf-05ef632fed48"> <h4 class="card-rates-title">Reward Rates</h4> <ul class="card-rates-list"> <li style="list-style-type:none"> <ul class="card-rates-list"> <li><span class="circle">6%</span>Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)</li> <li><span class="circle">6%</span>Earn 6% cash back on select U.S. streaming subscriptions</li> <li><span class="circle">3%</span>Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)</li> <li><span class="circle">1%</span>Earn 1% cash back on other eligible purchases</li> <li>Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.</li> </ul> </li> </ul> </div>  <input id="control2-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" role="tab" name="accordion-pannel-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" type="radio" aria-controls="content2-438ce9c6-c58b-4f7d-9bbf-05ef632fed48"/> <label id="label2-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" tabindex="0" role="button" for="control2-438ce9c6-c58b-4f7d-9bbf-05ef632fed48">Card Details </label> <div id="content2-438ce9c6-c58b-4f7d-9bbf-05ef632fed48" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-438ce9c6-c58b-4f7d-9bbf-05ef632fed48"> <ul> <li>The Blue Cash Preferred card comes with added car rental loss and damage insurance and a Disney+ bundle credit.</li> </ul> </div> <a href="https://oc.brcclx.com/t?lid=26687182&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687182&tid=3700969" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </section> </div> </div> <p>Modern rewards cards tend to offer cash back on a mix of absolute essentials (e.g. groceries) but also nice-to-haves like dining and airfare. But sometimes, you just want maximum cash back on basic needs, and that’s where the Blue Cash Preferred® Card from American Express shines. </p> <p>For starters, you’ll get an astounding 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) which tops out at $360. You’ll also get 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and the card offers a $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months to further put a dent in your overall budget for essentials. </p> <p>The key drawback to the Amex Blue Cash Preferred is the $0 intro annual fee for the first year, then $95 after year one. But if you’re currently spending $500 a month on groceries and $250 on gas, your total cash back within those categories alone would amount to $450 per year alone.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">Massive rewards potential on groceries and gas</span></li><li><span style="font-weight:400">Solid $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months</span></li><li><span style="font-weight:400">0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)</span></li></ul></div><div><h3>Cons</h3><ul><li>$0 intro annual fee for the first year, then $95</li><li><span style="font-weight:400">Grocery and gas categories don’t include superstores (e.g. Costco, Walmart)</span></li><li>2.7% of each transaction after conversion to U.S. dollars</li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Amex Blue Cash Preferred benefits</h4></summary><ul><li>$0 intro annual fee for the first year, then $95</li> <li>6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% cash back on other eligible purchases</li> <li>$250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months</li> <li>0% introductory APR on purchases and balance transfers for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)</li> <li>$84 Disney Bundle Credit</li> <li>Rental car insurance </li> <li>Purchase protection</li> <li>Return protection </li> <li>Extended warranty protection</li></ul></details> <p style="font-size:16px"><em>To view rates and fees of the Blue Cash Preferred® Card from American Express see <a href="https://oc.brcclx.com/t?lid=26687221&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687221&tid=3700969" rel="noreferrer noopener nofollow" aria-disabled="true">this page</a></em></p> <h2 class="wp-block-heading" id="rise">Best cash back card for people new to credit: Chase Freedom Rise® credit card</h2> <p>If you’re worried about qualifying for this card with little to no credit, know that the Chase Freedom Rise® is designed for those who are new to managing credit.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Chase Freedom Rise®</h4> <section class="card-intro"> <h5>Intro Bonus</h5> Earn a <span data-sheets-root="1" data-sheets-value="{" statement="" credit="" after="" signing="" up="" for="" automatic="" payments="" within="" the="" first="" three="" months="" of="" opening="" your="" account.="" just="" pick="" a="" date="" and="" dollar="" amount="" to="" make="" sure="" card="" gets="" paid="" data-sheets-userformat="{">$25 statement credit after signing up for automatic payments within the first three months of opening your account (with automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time)</span></section> <section class="card-description"> <table> <tbody> <tr> <td>Annual Fee</td> <td>$0</td> </tr> <tr> <td>My Chase Plan Fee</td> <td>1.72%</td> </tr> <tr> <td>Foreign Transaction fee</td> <td>3% of the amount of each transaction in U.S. dollars</td> </tr> <tr> <td>Regular APR</td> <td>26.49% variable</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="189" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 189'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-desktop redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">Learn More </a></div> <div class="card-area-4"> <section class="card-accordion three-pannels" role="tablist"> <input id="control0-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" role="tab" name="accordion-pannel-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" type="radio" aria-controls="content0-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" checked=""/> <label id="label0-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" tabindex="0" role="button" for="control0-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d"> Our Take </label> <div id="content0-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d"><div id="content0-2a505de1-53b3-4f69-8e9d-be2c55f6a426" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-2a505de1-53b3-4f69-8e9d-be2c55f6a426">Chase Freedom Rise® is a great starter credit card that allows those who are new to managing credit build a good score and earn rewards on their spending.</div></div>  <input id="control1-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" role="tab" name="accordion-pannel-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" type="radio" aria-controls="content1-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d"/> <label id="label1-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" tabindex="0" role="button" for="control1-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d">Rewards </label> <div id="content1-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li><span class="circle">1.5x</span> Unlimited 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back)</li> </ul> </div>  <input id="control3-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" role="tab" name="accordion-pannel-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" type="radio" aria-controls="content3-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d"/> <label id="label3-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" tabindex="0" role="button" for="control3-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d">Card Details</label> <div id="content3-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d" class="card-accordion-panel" role="tabpanel" aria-labelledby="label3-404b35b4-4051-470e-bdd6-d0f2d7bdcb8d"> <ul> <li style="list-style-type:none"> <ul> <li>Additional perks: Cell phone insurance, car rental insurance</li> </ul> </li> </ul> <ul> <li style="list-style-type:none"> <ul> <li>Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars</li> </ul> </li> </ul> </div> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-mobile redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">Learn More </a></section> </div> </div> <p><strong>Why we like this card:</strong> For those who are new to credit, the ideal “starter card” will a) be easy to get, b) encourage responsible spending and c) offer a clear pathway to a full-fledged rewards card. The Chase Freedom Rise® card manages to offer all three features, and amazingly, includes cash back rewards and a welcome bonus to boot. </p> <p>To start things off, Chase hints that you can “improve your likelihood of approval” by having at least $250 in your Chase checking account(s), so the application criteria are relatively straightforward. Once you’re approved, the card instantly encourages healthy spending by offering $25 statement credit after signing up for automatic payments within the first three months of opening your account and automatically evaluating you after year one for a Chase Freedom Unlimited card. </p> <p>Until then, you’ll still be getting 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back) as you monitor and build your credit. You won’t have to worry about a lack of consumer protection, either, since the Freedom Rise comes loaded with purchase protection, extended warranty protection and even Trip Cancellation/Interruption insurance. All told, it’s a shockingly robust and rewarding card for newbies</p> <p>To dig deeper, check out our <a href="https://fortune.com/recommends/credit-cards/chase-freedom-rise-credit-card-review/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/chase-freedom-rise-credit-card-review/" rel="noreferrer noopener">Freedom Rise review</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">Great for building credit</span></li><li><span style="font-weight:400">$0 annual fee</span></li><li><span style="font-weight:400">Earns rewards</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">3% of the amount of each transaction in U.S. dollars foreign transaction fee</span></li><li><span style="font-weight:400">Strongly encourages banking relationship with Chase to be approved</span></li></ul></div></div> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Chase Freedom Rise benefits</h4></summary><ul><li>$0 annual fee</li> <li>Having $250 in Chase checking account(s) increases likelihood of approval</li> <li>1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back)</li> <li>5X on Lyft</li> <li>$25 statement credit after signing up for automatic payments within the first three months of opening your account</li> <li>3 months of complimentary DashPass plus 50% off for the rest of the year</li> <li>Purchase protection</li> <li>Extended warranty protection</li> <li>Trip Cancellation/Interruption Insurance</li></ul></details> <p><strong>Learn more:</strong> <a href="https://fortune.com/recommends/credit-cards/what-is-a-credit-card/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/what-is-a-credit-card/">A beginner’s guide to credit cards</a></p> <h3 class="wp-block-heading">Is there a Chase Student credit card? </h3> <p>Unlike some of its competitors, Chase does not offer a dedicated student credit card like the Discover it® Student Cash Back or the BankAmericard® for Students. Instead, the bank treats the Chase Freedom Rise card as its premier credit-building card for anyone who’s new to building and managing credit, including students, folks who are new to the U.S. and more. </p> <p>Even though the Chase Freedom Rise doesn’t have the word “student” in its name, it’s still well-suited for anyone with a .edu email address. As mentioned above, it’s just a stellar credit-building card overall since it offers 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back), numerous credit-building tools, free DashPass, 5X on Lyft and even a $25 statement credit after signing up for automatic payments within the first three months of opening your account. </p> <p>Sure, it heavily implies that you need $250 in a Chase account before applying – but joining the Chase ecosystem as a student isn’t such a bad thing given the bank’s <a href="https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/#:~:text=Chase%20Ultimate%20Rewards%20points%20never,the%20Pay%20Yourself%20Back%20feature)." target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/#:~:text=Chase%20Ultimate%20Rewards%20points%20never,the%20Pay%20Yourself%20Back%20feature).">excellent rewards program</a> and long list of rewards cards to apply for post-graduation. </p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>I’m often tempted by the Pay with Points option at checkout, but unless I’m getting more than a penny-per-point in value, I never do it. It’s better to pay with a card like the Chase Freedom Rise and get 1.5% back than to Pay with Points and get less than a penny back per point. <a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/chris-butsch/">Chris Butsch, Fortune contributor</a></p></div></div> <h2 class="wp-block-heading" id="quicksilver">Best cash back card for bad credit: Capital One Quicksilver Secured Cash Rewards Credit Card</h2> <p>The Capital One Quicksilver Secured Cash Rewards Credit Card is an excellent choice for anyone looking to rebuild their credit thanks to its generous rewards and general lack of hidden fees. Sure, its $200 minimum security deposit isn’t the lowest we’ve seen, but the card’s 1.5% cash back on every purchase more than makes up for it.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Capital One Quicksilver Secured Cash Rewards Credit Card</h4> <section class="card-intro"> <h5>Who is this card good for?</h5> The Capital One Quicksilver Secured card is good for those who are rebuilding from poor or fair credit and want a card that earns rewards with no foreign transaction fee. </section><section class="card-description"> <table> <tbody> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>APR</td> <td>29.99% variable</td> </tr> <tr> <td>Security deposit</td> <td>$200–$1,000 to $3,000 (depending on your creditworthiness)</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048271&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048271&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Cardratings.com</p> </div> </div> </div> <p>Up until recently, secured cards and rewards cards were two totally separate products. The former lacked any sort of rewards at all, meaning anyone who took, say, a full year to rebuild their credit would be missing out on some serious cash back. </p> <p>Thankfully that all changed, and we now have cards like the Capital One Quicksilver Secured Cash Rewards Credit Card which offers a blanket 1.5% cash back on all other purchases. There’s a $0 annual fee, of course, and the card doesn’t even charge any foreign transaction fees. That’s a bigger deal than it sounds, because if you travel overseas while you’re rebuilding your credit, saving 3% on every single transaction will add up quickly. </p> <p>The card does require a minimum $200 security deposit – which certainly isn’t the lowest we’ve seen (the Platinum Secured Credit Card from Capital One goes as low as $49 depending on your creditworthiness), but provided you don’t mind locking up that much cash, you’ll enjoy 1.5% cash back on every purchase until you rebuild your credit enough to apply for a bonafide Capital One rewards card. </p> <p>For more, check out our <a href="https://fortune.com/recommends/credit-cards/capital-one-quicksilver-secured-cash-rewards-credit-card-earn-first-rate-cash-back-while-building-credit/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/capital-one-quicksilver-secured-cash-rewards-credit-card-earn-first-rate-cash-back-while-building-credit/">full review of the Capital One Quicksilver Secured card</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">Minimum of 1.5% cash back on every purchase</span></li><li><span style="font-weight:400">Automatic credit line review in as few as six months</span></li><li><span style="font-weight:400">Opportunity to upgrade to an unsecured card</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Requires a security deposit</span></li><li><span style="font-weight:400">High APR</span></li></ul></div></div> <h3 class="wp-block-heading">What is a secured credit card?</h3> <p>If you’re new to the concept of a “secured” credit card, here’s how they work. </p> <p>In a nutshell, a secured credit card is a special type of credit card that requires a refundable cash deposit, just like an apartment. In most cases, the deposit acts as your credit limit. So if you choose to make the minimum security deposit of $200, that’s the most you can spend. Then, if you fail to make on-time payments, your bank simply keeps your security deposit. </p> <p>That virtually eliminates the risk for the bank, which is why they’re willing to provide secured credit cards to borrowers with fair to poor credit. The benefit to the cardholder is that the bank reports your payment history to the three major credit bureaus, meaning on-time payments will raise your credit score over time. </p> <p>All told, secured credit cards are great win-win inventions: They enable banks to offer credit cards to borrowers who may lack the credit score for a traditional rewards card, while also giving the borrower a way to earn rewards while rebuilding their credit. </p> <p>To learn more, check out our running list of <a href="https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/">the best secured credit cards</a>. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Capital One Quicksilver Secured card benefits</h4></summary><ul><li>$0 annual fee</li> <li>1.5% cash back on every purchase</li> <li>$200 refundable minimum deposit (based on creditworthiness)</li> <li>Foreign transaction fee: None</li> <li>Account alerts, autopay, recurring transaction tracking</li></ul></details> <h2 class="wp-block-heading" id="doublecash">Best cash back card for fair credit: Citi® Double Cash Card</h2> <p>As the name implies, the Citi® Double Cash Card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. You’ll also get a $200 cash back when you spend $1,500 on purchases within the first 6 months, 0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness), and amazingly, the card accepts fair credit to boot.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">Citi® Double Cash Card</h4> <section class="card-intro"> <h5>Intro Bonus</h5> Earn $200 cash back after you spend $1,500 on purchases in the first 6 months and get an 18-month 0% introductory APR on balance transfers</section> <section class="card-description"> <table> <tbody> <tr> <td>0% balance transfer term</td> <td>18 months</td> </tr> <tr> <td>Balance transfer fee</td> <td>3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5)</td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>19.24%–29.24% variable</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png?w=1440&q=75"/></div> <div class="card-area-4"> <section class="card-accordion three-pannels" role="tablist">  <input id="control0-b84ff26d-1ca4-4344-bf91-fe2270f7a424" role="tab" name="accordion-pannel-b84ff26d-1ca4-4344-bf91-fe2270f7a424" type="radio" aria-controls="content0-b84ff26d-1ca4-4344-bf91-fe2270f7a424" checked=""/> <label id="label0-b84ff26d-1ca4-4344-bf91-fe2270f7a424" tabindex="0" role="button" for="control0-b84ff26d-1ca4-4344-bf91-fe2270f7a424"> Our Take </label> <div id="content0-b84ff26d-1ca4-4344-bf91-fe2270f7a424" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-b84ff26d-1ca4-4344-bf91-fe2270f7a424"> While many rewards cards have rotating spending categories you need to track and activate, the Citi® Double Cash Card offers a simple reward structure. You’ll earn a cool 2% cash back on every purchase with no caps on how much you can earn, so it’s an excellent no-fee credit card for those who value simplicity. The balance transfer rate provides a cherry to this already attractive sundae. </div>  <input id="control1-b84ff26d-1ca4-4344-bf91-fe2270f7a424" role="tab" name="accordion-pannel-b84ff26d-1ca4-4344-bf91-fe2270f7a424" type="radio" aria-controls="content1-b84ff26d-1ca4-4344-bf91-fe2270f7a424"/> <label id="label1-b84ff26d-1ca4-4344-bf91-fe2270f7a424" tabindex="0" role="button" for="control1-b84ff26d-1ca4-4344-bf91-fe2270f7a424">Rewards </label> <div id="content1-b84ff26d-1ca4-4344-bf91-fe2270f7a424" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-b84ff26d-1ca4-4344-bf91-fe2270f7a424"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li><span class="circle">2x</span> Unlimited 2% cash back on every purchase—1% at the time of the transaction and 1% when you pay your credit card bill.</li> </ul> </div>  <input id="control2-b84ff26d-1ca4-4344-bf91-fe2270f7a424" role="tab" name="accordion-pannel-b84ff26d-1ca4-4344-bf91-fe2270f7a424" type="radio" aria-controls="content2-b84ff26d-1ca4-4344-bf91-fe2270f7a424"/> <label id="label2-b84ff26d-1ca4-4344-bf91-fe2270f7a424" tabindex="0" role="button" for="control2-b84ff26d-1ca4-4344-bf91-fe2270f7a424">Card Details</label> <div id="content2-b84ff26d-1ca4-4344-bf91-fe2270f7a424" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-b84ff26d-1ca4-4344-bf91-fe2270f7a424"> <ul> <li>Additional perks: ID theft protection, pay over time with a Citi Flex Pay Plan</li> <li>Foreign transaction fee: 3%</li> </ul> </div> </section> </div> </div> <p><strong>Why we like this card:</strong> Originally launched in 2014, the Citi® Double Cash Card was one of the first rewards cards to offer a net 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Clearly that’s a bar that’s hard to reach, since very few cards have matched it in the decade since (with one exception being our overall top pick, the Wells Fargo Active Cash® Card card). </p> <p>But unlike the Active Cash card, the Citi Double Cash card actually doubles as a superb credit-building card. For starters, it splits up the 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases which encourages you to continue making on-time payments. Plus, you’ll get a $200 cash back when you spend $1,500 on purchases within the first 6 months and 0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness), both of which can help you clear out past credit card debt. </p> <p>Finally, despite offering excellent cash back rewards, the Citi Double Cash card doesn’t require excellent credit to apply. Citi doesn’t publish the required FICO score for each of its credit scores, but numerous sources indicate that the card accepts fair (580+) or better credit. </p> <p>While it does charge a foreign transaction fee and the card is light on perks in general, the Citi Double Cash card’s 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases and low credit requirement make it an overall superb choice for credit-building. </p> <p>For more details, check out our <a href="https://fortune.com/recommends/credit-cards/citi-double-cash-card-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/citi-double-cash-card-review/">Citi Double Cash Card review</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness)</span></li><li><span style="font-weight:400">$0 annual fee</span></li><li><span style="font-weight:400">Earns rewards</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">3% of each purchase transaction in U.S. dollars foreign transaction fee</span></li><li><span style="font-weight:400">Limited perks</span></li></ul></div></div> <h3 class="wp-block-heading">What is fair credit?</h3> <p>In order to define “fair” credit, let’s first recap how credit works in the first place. </p> <p>When you borrow money, make payments, take out multiple loan types (e.g. mortgage, credit card) and more, all of that “borrower” activity is reported to the three major credit bureaus: Equifax, Experian and TransUnion. Those companies then crunch the numbers and assign you a credit score, which is like a GPA (grade point average) for borrowers. </p> <p>Since all three bureaus calculate credit a little differently, a company called FICO came along in 1989 and mushed all three together into a FICO score, which is what 90% of top lenders use today. </p> <p>As for where the term “fair” came along, FICO scores are grouped into five buckets: </p> <ul><li><580 = Poor</li> <li>580 – 669 = Fair</li> <li>670 – 739 = Good</li> <li>740 – 799 = Excellent</li> <li>800+ = Exceptional</li></ul> <p>According to Equifax, borrowers with Fair credit are considered “subprime” and “high-risk” to lenders, but that doesn’t necessarily mean you can’t get a loan. For more info, check out <a href="https://fortune.com/recommends/credit-cards/what-is-fair-credit/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/what-is-fair-credit/">What is fair credit, and what does it mean if you have it?</a></p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Citi Double Cash benefits</h4></summary><ul><li>$0 annual fee</li> <li>2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases</li> <li>5X on select Citi Travel bookings</li> <li>$200 cash back when you spend $1,500 on purchases within the first 6 months</li> <li>0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness)</li> <li>Citi Entertainment, Digital Wallets and more</li></ul></details> <h2 class="wp-block-heading" id="customer">Best for customer experience: Discover it® Cash Back</h2> <p>The Discover it® Cash Back card offers 5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), a unique welcome bonus that doubles your total cash back for the first year and 25 slick card designs to choose from. Discover also scores high marks for customer service and the companion app is well-rated in both the App Store and Google Play.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title"><a href="https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/">Discover it Cash Back</a></h4> <section class="card-intro"> <h5>Intro bonus</h5> Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.</section> <section class="card-description"> <table> <tbody> <tr> <td>0% balance transfer term</td> <td>15 months</td> </tr> <tr> <td>Balance transfer fee</td> <td>3% <div tabindex="0" role="tooltip" aria-label="3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer" data-tooltip="3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer"> </div> </td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>17.24%–28.24%</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png?w=1440&q=75"/></div> <div class="card-area-4"> <section class="card-accordion two-pannels" role="tablist">  <input id="control0-7156ad44-1e84-4d37-8d04-2abaa36e3f89" role="tab" name="accordion-pannel-7156ad44-1e84-4d37-8d04-2abaa36e3f89" type="radio" aria-controls="content0-7156ad44-1e84-4d37-8d04-2abaa36e3f89" checked=""/> <label id="label0-7156ad44-1e84-4d37-8d04-2abaa36e3f89" tabindex="0" role="button" for="control0-7156ad44-1e84-4d37-8d04-2abaa36e3f89">Rewards </label> <div id="content0-7156ad44-1e84-4d37-8d04-2abaa36e3f89" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-7156ad44-1e84-4d37-8d04-2abaa36e3f89"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li style="list-style-type:none"> <ul class="card-rates-list"> <li><span class="circle">5x</span> 5% on quarterly rotating categories up to $1,500 per quarter, then 1%</li> <li><span class="circle">1x</span> 1% on all other purchases</li> </ul> </li> </ul> </div>  <input id="control2-7156ad44-1e84-4d37-8d04-2abaa36e3f89" role="tab" name="accordion-pannel-7156ad44-1e84-4d37-8d04-2abaa36e3f89" type="radio" aria-controls="content2-7156ad44-1e84-4d37-8d04-2abaa36e3f89"/> <label id="label2-7156ad44-1e84-4d37-8d04-2abaa36e3f89" tabindex="0" role="button" for="control2-7156ad44-1e84-4d37-8d04-2abaa36e3f89">Card details </label> <div id="content2-7156ad44-1e84-4d37-8d04-2abaa36e3f89" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-7156ad44-1e84-4d37-8d04-2abaa36e3f89"> <ul> <li style="list-style-type:none"> <ul> <li>Additional perks: Online privacy protection, SSN monitoring and alerts</li> </ul> </li> </ul> <ul> <li style="list-style-type:none"> <ul> <li>Foreign transaction fee: None</li> </ul> </li> </ul> </div> <a href="https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/" target="_blank" class="sc-93594058-0 fowfrQ button-mobile " aria-label="Go to https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/" rel="noopener">Learn more </a></section> </div> </div> <p><strong>Why we like this card:</strong> The Discover it® Cash Back card offers 5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), 0% introductory APR for 15 months from account opening (after that, the variable APR will be 17.24%–28.24%) on purchases and balance transfers (plus a low balance transfer fee—3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer.) and it even allows you to choose from 25 slick and unique card designs ranging from a rainbow to the Manhattan skyline. </p> <p>You’ll also get a unique welcome bonus in the form of Discover’s Unlimited Cashback Match. Whatever you earn in the first year, Discover will double it with no limits. So if you earn the maximum $75 cash back on up to $1,500 in spending each quarter, that’s $300 total for the year, which Discover will then double for a total of $600. </p> <p>But no amount of cash back and cool designs would be worth it if the bank didn’t support its customers, and thankfully, Discover has that box checked. In J.D. Power’s 2023 U.S. Direct Banking Satisfaction Study, Discover ranked #2 overall – right behind Charles Schwab, but well above all other major card issuers. Discover’s 24/7 customer support team is also 100% U.S.-based, and the bank’s smartphone app ranks 4.9 stars in the App Store and 4.5 stars in the Play Store. </p> <p>So if you’re looking for a card with high rewards potential and excellent customer support when you need it, the Discover it Cash Back is our top choice. </p> <p>Learn more with our <a href="https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/">Discover it Cash Back card review</a> and dig deeper into <a href="https://fortune.com/recommends/credit-cards/how-to-make-the-most-of-your-5-percent-cash-back-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/how-to-make-the-most-of-your-5-percent-cash-back-credit-cards/">how to use a 5% cash-back card</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">No annual fee</span></li><li><span style="font-weight:400">Easy-to-earn welcome bonus</span></li><li><span style="font-weight:400">Earns up to 5% cash back</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Foreign transaction fee</span></li><li><span style="font-weight:400">Must activate bonus categories every quarter</span></li><li><span style="font-weight:400">5% categories are capped</span></li></ul></div></div> <h3 class="wp-block-heading">Discover it Cash Back card benefits</h3> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Discover it Cash Back card benefits</h4></summary><ul><li>$0 annual fee</li> <li>5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), 1% cashback on all other eligible purchases</li> <li>Unlimited Cashback Match for the first year</li> <li>Discover and the Discover Apps rank earn high marks for customer service</li> <li>25 card designs to choose from</li> <li>Free overnight shipping for lost cards</li></ul></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>Before I apply for a new rewards card, I always look to see if they have a referral bonus. Then, I poke my friends to see if anyone can send me a referral link–even if it only benefits their account and not mine. <a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/chris-butsch/"><em>Chris Butsch, Fortune contributor</em></a></p></div></div> <h2 class="wp-block-heading" id="big-ticket">Best for big-ticket purchases: U.S. Bank Cash+® Visa Signature® Card</h2> <p>The U.S. Bank Cash+® Visa Signature® Card has a somewhat complex rewards structure that requires some planning and strategy, but once it clicks, you can easily save 5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter). A generous 0% introductory APR on purchases for the first 15 billing cycles, 19.74%–29.74% variable APR thereafter, $250 rewards bonus if you spend $1,000 on eligible purchases in the first 90 days and $0 fees for ExtendPay plans can also help you finance a major purchase.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">U.S. Bank Cash+ Visa Signature</h4> <section class="card-intro"> <h5>Intro bonus</h5> Earn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening </section><section class="card-description"> <table> <tbody> <tr> <td>0% balance transfer term</td> <td>15 months</td> </tr> <tr> <td>Balance transfer fee</td> <td>3%</td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>19.49% to 29.74%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg?w=1440&q=75"/></div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" role="tab" name="accordion-pannel-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" type="radio" aria-controls="content0-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" checked=""/> <label id="label0-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" tabindex="0" role="button" for="control0-fb28e57a-9b69-42c1-89e1-1c43cb73adbd">Rewards </label> <div id="content0-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-fb28e57a-9b69-42c1-89e1-1c43cb73adbd"> <h5 class="card-rates-title">Rewards Rates</h5> <ul class="card-rates-list"> <li style="list-style-type:none"> <ul class="card-rates-list"> <li><span class="circle">5x</span> 5% cash back on two choice categories</li> <li><span class="circle">5x</span> 5% cash back on travel booked directly through U.S. Bank’s Travel Center</li> <li><span class="circle">2x</span> 2% cash back on one everyday category</li> <li><span class="circle">1x</span> 1% on all other purchases</li> </ul> </li> </ul> </div>  <input id="control1-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" role="tab" name="accordion-pannel-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" type="radio" aria-controls="content1-fb28e57a-9b69-42c1-89e1-1c43cb73adbd"/> <label id="label1-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" tabindex="0" role="button" for="control1-fb28e57a-9b69-42c1-89e1-1c43cb73adbd">Pros and Cons </label> <div id="content1-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-fb28e57a-9b69-42c1-89e1-1c43cb73adbd"><style> N/A<br /> </style> <div class="pros_cons"> <div> <h3>Pros</h3> <ul> <li>No annual fee</li> <li>Easy-to-earn welcome bonus</li> <li>Earns up to 5% cash back</li> </ul> </div> <div> <h3>Cons</h3> <ul> <li>Foreign transaction fee</li> <li>Managing categories can be confusing</li> <li>5% and 2% categories are capped</li> </ul> </div> </div> </div>  <input id="control2-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" role="tab" name="accordion-pannel-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" type="radio" aria-controls="content2-fb28e57a-9b69-42c1-89e1-1c43cb73adbd"/> <label id="label2-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" tabindex="0" role="button" for="control2-fb28e57a-9b69-42c1-89e1-1c43cb73adbd">Card details </label> <div id="content2-fb28e57a-9b69-42c1-89e1-1c43cb73adbd" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-fb28e57a-9b69-42c1-89e1-1c43cb73adbd"> <ul> <li style="list-style-type:none"> <ul> <li>Additional perks: Extended payment plan</li> </ul> </li> </ul> <ul> <li style="list-style-type:none"> <ul> <li>Foreign transaction fee: 3%</li> </ul> </li> </ul> </div> <a href="https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/" target="_blank" class="sc-93594058-0 fowfrQ button-mobile " aria-label="Go to https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/" rel="noopener">Learn more </a> </section></div> </div> <p><strong>Why we like this card:</strong> While the U.S. Bank Cash+® Visa Signature® Card has one of the most complex rewards structures we’ve ever seen, once you understand how it all works you realize the card is excellent for financing big retail purchases. </p> <p>To start, the card offers 5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter). The options are: </p> <ul><li>Fast food</li> <li>Home utilities</li> <li>TV, internet and streaming</li> <li>Department stores</li> <li>Cell phone</li> <li>Electronic stores</li> <li>Sporting goods stores</li> <li>Gyms/fitness centers</li> <li>Ground transportation</li> <li>Movie theaters</li> <li>Furniture stores</li> <li>Select clothing stores</li></ul> <p>While the absence of any airlines or hotels is a bummer for travelers, getting 5% cash back on home utilities, big electronics (e.g. laptops, TVs) or furniture each quarter could be a big money-saver for families and homeowners. You’ll also get 2% cash back on one everyday category, such as gas stations or grocery stores and 1% cash back on all other eligible purchase. </p> <p>When it comes to financing your big purchase, the Cash+ card also offers 0% introductory APR on balance transfers for the first 15 billing cycles, 19.74%–29.74% variable APR thereafter on purchases and balance transfers. The card also waives your fee for opening an ExtendPay Plan within 60 days, which allows you to finance your big purchase in fixed, zero-interest monthly installments. Toss in a $250 rewards bonus if you spend $1,000 on eligible purchases in the first 90 days, and you’ve got a cash back rewards card that massively rewards anyone who overcomes its learning curve.</p> <p>To dig deeper, check out our <a href="https://fortune.com/recommends/credit-cards/us-bank-cash-plus-visa-signature-review/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/us-bank-cash-plus-visa-signature-review/" rel="noreferrer noopener">U.S. Bank Cash+ card review</a>. </p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">$0 annual fee</span></li><li><span style="font-weight:400">Introductory 0% APR</span></li><li><span style="font-weight:400">Competitive rewards rate</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Requires more time and effort to manage rewards</span></li><li><span style="font-weight:400">Highest rewards rate is capped at $2,000 in combined quarterly purchases</span></li></ul></div></div> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>U.S. Bank Cash+ Card benefits</h3></summary><ul><li>$0 annual fee</li> <li>5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter)</li> <li>5X on online shopping purchases made through the Rewards Center or the Rewards Center browser extension</li> <li>5X on prepaid travel booked through the Rewards Center</li> <li>2% cash back on one everyday category, such as gas stations or grocery stores</li> <li>1% cash back on all other eligible purchase</li> <li>0% introductory APR on purchases and balance transfers for the first 15 billing cycles,19.74%–29.74% variable APR thereafter on purchases and balance transfers</li> <li>$0 fee on ExtendPay Plans opened within 60 days</li></ul></details> <p>Learn more: <a href="https://fortune.com/recommends/credit-cards/what-is-a-0-apr-credit-card/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/what-is-a-0-apr-credit-card/">What is a 0% APR credit card, and why should you care?</a></p> <h2 class="wp-block-heading" id="bluebuscash">Best small business cash back card: American Express Blue Business Cash™ Card</h2> <p>Rather than force you into restrictive, mostly old-school rewards categories like “office supplies” and “cable,” the American Express Blue Business Cash™ Card simply offers 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%). </p> <p>Plus, enjoy a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months, and a 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%. Toss in a handy box of expense-tracking tools and you have a superb and highly flexible small business rewards card.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 class="card-title">American Express Blue Business Cash™ Card</h4> <section class="card-intro"> <h5>Intro Bonus</h5> $250 statement credit after you make $3,000 in purchases on your card in your first 3 months</section> <section class="card-description"> <table> <tbody> <tr> <td>0% intro offer</td> <td>0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%</td> </tr> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>17.74%–25.74% variable</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><a href="https://oc.brcclx.com/t?lid=26687203&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687203&tid=3700969" rel="noopener" aria-disabled="true"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png?w=1440&q=75"/></a></div> <div class="card-area-3"><a href="https://oc.brcclx.com/t?lid=26687203&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687203&tid=3700969" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </div> <div class="card-area-4"> <section class="card-accordion four-pannels" role="tablist">  <input id="control0-e3113753-c4fb-4d29-a736-7d2df74154ed" role="tab" name="accordion-pannel-e3113753-c4fb-4d29-a736-7d2df74154ed" type="radio" aria-controls="content0-e3113753-c4fb-4d29-a736-7d2df74154ed" checked=""/> <label id="label0-e3113753-c4fb-4d29-a736-7d2df74154ed" tabindex="0" role="button" for="control0-e3113753-c4fb-4d29-a736-7d2df74154ed"> Our Take </label> <div id="content0-e3113753-c4fb-4d29-a736-7d2df74154ed" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-e3113753-c4fb-4d29-a736-7d2df74154ed"> The American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%), with no annual fee, making it lucrative for small businesses. However, businesses exceeding the $50,000 spending cap per calendar year will earn a reduced cashback rate of 1% on the remainder, and it may offer fewer perks compared to some other business credit cards. </div>  <input id="control1-e3113753-c4fb-4d29-a736-7d2df74154ed" role="tab" name="accordion-pannel-e3113753-c4fb-4d29-a736-7d2df74154ed" type="radio" aria-controls="content1-e3113753-c4fb-4d29-a736-7d2df74154ed"/> <label id="label1-e3113753-c4fb-4d29-a736-7d2df74154ed" tabindex="0" role="button" for="control1-e3113753-c4fb-4d29-a736-7d2df74154ed">Rewards </label> <div id="content1-e3113753-c4fb-4d29-a736-7d2df74154ed" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-e3113753-c4fb-4d29-a736-7d2df74154ed"> <h5 class="card-rates-title">Reward Rates</h5> <ul class="card-rates-list"> <li><span class="circle">2x</span>2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)</li> <li><em>To view rates and fees of American Express Blue Business Cash™ Card, see <a href="https://oc.brcclx.com/t?lid=26687216&tid=3700969-90" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687216&tid=3700969-90" rel="noopener nofollow" aria-disabled="true">rates and fees.</a></em></li> </ul> </div>  <input id="control3-e3113753-c4fb-4d29-a736-7d2df74154ed" role="tab" name="accordion-pannel-e3113753-c4fb-4d29-a736-7d2df74154ed" type="radio" aria-controls="content3-e3113753-c4fb-4d29-a736-7d2df74154ed"/> <label id="label3-e3113753-c4fb-4d29-a736-7d2df74154ed" tabindex="0" role="button" for="control3-e3113753-c4fb-4d29-a736-7d2df74154ed">Card Details </label> <div id="content3-e3113753-c4fb-4d29-a736-7d2df74154ed" class="card-accordion-panel" role="tabpanel" aria-labelledby="label3-e3113753-c4fb-4d29-a736-7d2df74154ed"> <ul> <li>Ability to spend beyond credit limit</li> <li>Purchase protection</li> <li>Free employee cards</li> </ul> </div> <a href="href=" target="_blank" class="sc-93594058-0 fowfrQ button-mobile " aria-label="Go to href=" rel="noopener nofollow" https:="" oc.brcclx.com="">View offer</a> <p class="cta-caption">at Bankrate</p> </section> </div> </div> <p><strong>Why we like this card:</strong> For years, business rewards cards tended to offer rewards that were, for lack of a better term, “old school.” You might get 3X on office supplies, cable bills and shipping, and for a medium-sized business in a traditional office setting, those rewards categories might work out just fine. </p> <p>But most small businesses need far more flexible rewards, which is why we like how the Amex Blue Business Cash card does things. You’ll simply get 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%) plus a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months. Sure, the 2% only applies to the first $50,000 in spending each year (it drops to 1% thereafter), but most small businesses with fewer than 10 employees probably won’t reach that limit. </p> <p>And those that really do spend $50,000+ each year can always pair the Blue Business Cash with a <a href="https://fortune.com/recommends/credit-cards/best-business-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-business-credit-cards/">premium-tier business rewards card</a> for maximum rewards. </p> <p>Circling back to the Blue Biz Cash, we also like how the card comes with 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% – which can essentially act as a free small business loan – and an Expanded Buying Power feature which allows you to spend beyond your credit limit and adds the surplus to your minimum payment next month. * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.</p> <p>Last but certainly not least, the card also comes with a litany of helpful accounting tools like QuickBooks integration, Vendor Pay by Bill.com and a detailed Year-End Summary. It may lack travel rewards or 3X categories, but for straightforward cash back, it’s the business rewards card to beat. </p> <p>For more, check out our <a href="https://fortune.com/recommends/credit-cards/american-express-blue-business-cash-review-maximize-business-spending-with-2-cash-back-rewards-and-no-annual-fee/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/american-express-blue-business-cash-review-maximize-business-spending-with-2-cash-back-rewards-and-no-annual-fee/">Amex Blue Business Cash card review</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">Offers a lucrative welcome bonus for a cash back card</span></li><li><span style="font-weight:400">2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)</span></li><li><span style="font-weight:400">$0 annual fee</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Has a high spending requirement to earn the full welcome bonus</span></li><li><span style="font-weight:400">All spending after $50,000 per calendar earns just 1% cash back</span></li><li><span style="font-weight:400">Car rental loss and damage insurance coverage is only secondary</span></li></ul></div></div> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Amex Blue Business Cash Card benefits</h3></summary><ul><li>$0 annual fee</li> <li>2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)</li> <li>$250 statement credit after you make $3,000 in purchases on your card in your first 3 months</li> <li>Employee cards at no extra cost</li> <li>QuickBooks integration</li> <li>Vendor Pay by Bill.com</li> <li>Rental car insurance</li> <li>Purchase protection</li> <li>Extended warranty protection</li></ul></details> <p id="16"><em>To view rates and fees of the American Express Blue Business Cash™ Card see <a href="https://oc.brcclx.com/t?lid=26687216&tid=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26687216&tid=3700969" rel="noreferrer noopener nofollow" aria-disabled="true">this page</a></em></p> <h2 class="wp-block-heading" id="InkBusUnlimited">Best business cash back card for large purchases: Ink Business Unlimited® Credit Card</h2> <p>The Ink Business Unlimited® Credit Card is an excellent card for financing a big business purchase since it offers unlimited 1.5% cash back on every purchase, extended warranty and purchase protection and an unheard-of $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening. </p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 class="card-title">Ink Business Unlimited® Credit Card</h3> <section class="card-intro"> <h4>Intro bonus</h4> Earn $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening. Plus 0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)</section> <section class="card-description"> <table> <tbody> <tr> <td>Annual fee</td> <td>$0</td> </tr> <tr> <td>Regular APR</td> <td>17.99%–23.99% variable APR</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113&src=692824&var2=3700969" rel="noopener" aria-disabled="true"><img alt="" loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png?w=1440&q=75"/></a></div> <div class="card-area-3"><a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-desktop redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">Learn More </a> <p class="cta-caption">at Cardratings.com</p> </div> <div class="card-area-4"> <section class="card-accordion three-pannels" role="tablist">  <input id="control0-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" role="tab" name="accordion-pannel-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" type="radio" aria-controls="content0-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" checked=""/> <label id="label0-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" tabindex="0" role="button" for="control0-1f80ced1-688b-47d1-8eaa-b0d370b29eb8">Our Take</label> <div id="content0-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-1f80ced1-688b-47d1-8eaa-b0d370b29eb8"> While some cards boast higher cash back rates than the Chase Ink Business Unlimited® Credit Card, the higher rate typically applies to certain categories, and they have monthly or quarterly caps. By contrast, the Chase Ink Business Unlimited® Card—true to its name—offers unlimited 1.5% cash back on every purchase you make for your business.</div>  <input id="control1-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" role="tab" name="accordion-pannel-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" type="radio" aria-controls="content1-1f80ced1-688b-47d1-8eaa-b0d370b29eb8"/> <label id="label1-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" tabindex="0" role="button" for="control1-1f80ced1-688b-47d1-8eaa-b0d370b29eb8"> Rewards </label> <div id="content1-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-1f80ced1-688b-47d1-8eaa-b0d370b29eb8"> <h4 class="card-rates-title">Rewards Rates</h4> <ul> <li>Earn unlimited 1.5% cash back on every purchase.</li> <li>Get 5% cash back on Lyft rides through March 2025.</li> </ul> </div>  <input id="control2-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" role="tab" name="accordion-pannel-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" type="radio" aria-controls="content2-1f80ced1-688b-47d1-8eaa-b0d370b29eb8"/> <label id="label2-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" tabindex="0" role="button" for="control2-1f80ced1-688b-47d1-8eaa-b0d370b29eb8"> Card details </label> <div id="content2-1f80ced1-688b-47d1-8eaa-b0d370b29eb8" class="card-accordion-panel" role="tabpanel" aria-labelledby="label2-1f80ced1-688b-47d1-8eaa-b0d370b29eb8"> <ul><li>United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card</li> <li>Additional perks: Free employee cards, purchase protection, auto rental collision damage waiver, extended warranty</li> <li>Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars</li> </ul> </div> <a href="https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113&src=692824&var2=3700969" target="_blank" class="sc-93594058-0 fowfrQ link-mobile redirect" aria-label="Go to https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113&src=692824&var2=3700969" rel="noopener nofollow" aria-disabled="true">Learn More </a> <p class="cta-caption">at Cardratings.com</p> </section> </div> </div> <p><strong>Why we like this card:</strong> On paper, the Ink Business Unlimited® Credit Card appears to fall short of the Amex Blue Business Cash card since it offers unlimited 1.5% cash back on every purchase to the latter’s 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%). But the Chase card has two big tricks up its sleeve that give it a major edge and make it the superior choice for big purchases. </p> <p>For starters, the Ink Business Unlimited card offers a staggering $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening, which is simply unheard of for a rewards card charging a $0 annual fee. To provide some perspective, the Chase Sapphire Reserve card offers a welcome bonus of “just” 60,000 points – and that card has a $550 annual fee. </p> <p>The caveat is that you have to spend $6,000 within three months to earn it, but if you have a big purchase coming up, the spending requirement shouldn’t be too hard to reach. Plus, if you make a big purchase on your Ink Business Unlimited card, it’ll automatically be enshrouded in both Purchase Protection (up to $10,000 per claim) and Extended Warranty Protection, provided the manufacturer’s warranty period is three years or less. </p> <p>Once you earn your 75,000-point welcome bonus, the Ink Business Unlimited card’s second big trick comes into play. If you read the section of this article on “How to combine Ultimate Rewards points” above, you’ll know that you can move Chase Ultimate Rewards points from one card to another where they suddenly have more value. Specifically, you could move your 75,000-point welcome bonus to your Chase Sapphire Preferred account where it’s worth $937.50 in travel redemption – or your Chase Sapphire Reserve account where it’s worth an eye-watering $1,125. </p> <p>So when you consider the unlimited 1.5% cash back on every purchase, 0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%), extensive purchase protection and insane welcome bonus, you can see how the Ink Business Unlimited is an excellent choice for the small business owner with a big expense coming up.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><span style="font-weight:400">Unlimited flat cash back rate</span></li><li><span style="font-weight:400">Car rental protection</span></li><li><span style="font-weight:400">0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)</span></li></ul></div><div><h3>Cons</h3><ul><li><span style="font-weight:400">Charges foreign transaction fees</span></li><li><span style="font-weight:400">Limited travel benefits</span></li><li><span style="font-weight:400">No balance transfer</span></li></ul></div></div> <h3 class="wp-block-heading">Can you get a business card with a side hustle?</h3> <p>Yes. </p> <p>To expand on that a bit, one of the most frequently-asked questions about business rewards cards is: what exactly do you need to apply for one? Do you need a legally registered LLC? An S Corporation? A picture of yourself on the cover of Fortune Magazine? </p> <p>The answer is: none of the above. In fact, most of the time you don’t need a “business” in the traditional sense at all. Many business rewards cards, the Chase Ink Business Unlimited included, allow you to apply as a sole proprietor by using your full legal name and SSN. So yes, you can get a business card with a side hustle. </p> <p>Once you get your business rewards card, one thing to keep in mind is that most cardmember agreements require you to use the card—and even the points you earn with it—for business purposes only. And technically speaking, any violation of your cardmember agreement can be grounds for terminating your account (and all of your points with it).</p> <p>While we’ve rarely heard of anyone having their business card account terminated for mixing in personal expenses, you may still want to keep business and personal expenses separate to make tracking your budget and filing your taxes much easier come April. </p> <h3 class="wp-block-heading">Chase Ink Business Unlimited Card benefits</h3> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Chase Ink Business Unlimited Card benefits</h3></summary><ul><li>$0 annual fee</li> <li>Get unlimited 1.5% cash back on every purchase</li> <li>5% cash back on Lyft rides through March 2025</li> <li>$750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening</li> <li>0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)</li> <li>Employee cards at no extra cost</li> <li>Purchase protection</li> <li>Extended Warranty protection</li></ul></details> <h2 class="wp-block-heading" id="What-is-a-cash-back">What is a cash back credit card?</h2> <p>A cash back credit card is a type of credit card that allows users to earn a percentage of their spending back in the form of cash rewards. Depending on the card, cash back rewards can be a flat rate (e.g., 1.5% on all purchases) or can vary by purchase category (e.g., 3% on dining, 2% on groceries, and 1% on all other purchases). Some cards may also offer promotional periods with higher cash back percentages or bonuses for spending certain amounts within a specified timeframe. <a href="https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/">Learn more about how cash back cards work</a>.</p> <h2 class="wp-block-heading" id="cash-back-credit-card">Can you get cash back with a credit card?</h2> <p>Yes many credit cards offer cash back, where you earn a percentage of your purchases back as a reward. For example, a card might offer 1% cash back on all purchases. If you spend $100, you’d earn $1 back in rewards. </p> <p>Over time, these rewards add up and can be redeemed in various ways, such as a statement credit, check, or deposit into a bank account. However, it’s essential for cardholders to be aware of any potential annual fees, interest rates, and reward expiration or limitations to ensure they maximize the benefits while minimizing costs.</p> <h2 class="wp-block-heading" id="how-to-choose">How to choose a cash back credit card</h2> <p>To find the right cash back credit card for maximum rewards, start by asking yourself a few pertinent questions: </p> <ul><li><strong>What is my credit score? </strong>More than anything else, your credit score will dictate which cash back cards you can apply for. If your credit score is below 670, you may want to start with a credit-building cash back card like the Capital One Quicksilver Secured or Chase Freedom Rise.<br/></li> <li><strong>How much do I plan to put on a credit card each month? </strong>This oft-overlooked question helps to ensure that you’ll actually earn your welcome bonus. To illustrate, if you only plan to put ~$500 per month on your new cash back card, you probably shouldn’t apply for a card that requires $6,000 worth of spending within three months to earn its welcome bonus. <strong><br/></strong></li> <li><strong>What purchase categories (e.g. dining, airfare, gas, groceries) do I spend the most on? </strong>It’s always better to make the card fit your spending habits than the other way around. Once you determine where you’re spending the most each month (travel? Groceries? Eating out?) you can find the right cash back card to maximize your rewards. If you don’t really have any big spending categories, a flat rate cash back card might be ideal. <strong><br/></strong></li> <li><strong>Do I need multiple cash back cards? </strong>Finally, it’s worth remembering that it’s totally fine, and frankly, quite advantageous, to have multiple cash back cards in your wallet. The Chase Trifecta (detailed above) is a great example of how multiple cards can work together in tandem for maximum rewards on virtually every purchase. Just keep in mind that applying for multiple cards at once will definitely impact your credit, <a href="https://fortune.com/recommends/credit-cards/how-to-build-and-improve-your-credit-score/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/how-to-build-and-improve-your-credit-score/">but we can help you rebuild it</a>.</li></ul> <h2 class="wp-block-heading" id="pros-and-cons">Pros and cons of cash back credit cards</h2> <p>On paper, a credit card that pays you to use it seems like a pretty flawless invention. Still, cash back cards aren’t perfect and there are numerous caveats to consider before applying for one. </p> <p>Here’s a quick recap of things to like—and things to consider—about today’s cash back credit cards. </p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li><b>No annual fee: </b><span style="font-weight:400">Most cash back rewards cards charge no annual fee. Those that do, like the Chase Sapphire Preferred, typically offer elevated rewards and welcome bonuses to compensate.</span></li><li><b>Up to 2% cash back on all purchases: </b><span style="font-weight:400">Both the Wells Fargo Active Cash and Citi Double Cash cards offer net 2% cash back on all purchases, among others.</span></li><li><b>0% intro APR: </b><span style="font-weight:400">If a cash back rewards card charges no annual fee, there’s a good chance it offers 0% APR on purchases and/or balance transfers for 12+ months as well. That means you can finance a medium-sized purchase or </span><a href="https://fortune.com/recommends/credit-cards/what-is-a-balance-transfer/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/what-is-a-balance-transfer/"><span style="font-weight:400">pay off old credit card debt</span></a><span style="font-weight:400"> interest free for a limited period of time.</span></li></ul></div><div><h3>Cons</h3><ul><li><b>High credit requirement: </b><span style="font-weight:400">The best cash back rewards cards typically require a FICO score of 670 or higher. There are cards out there specifically dedicated to helping you build (or rebuild) credit, but their perks and rewards typically aren’t as robust as a full-fledged rewards card.</span></li><li><b>Extremely high regular APR: </b><span style="font-weight:400">Once your 0% APR period runs out, the regular APR on these cards can range anywhere from ~18% to 29.99%. While that may sound normal for a credit card, it’s still extremely high for any type of loan. For context, the average APR on a personal loan was 12.49% in February 2024 according to Credible.</span></li><li><b>Points vs. cash back can be confusing: </b><span style="font-weight:400">Some cash back cards generate rewards points (e.g. Chase Freedom Flex/Unlimited) while others generate straight cash back (e.g. Amex Blue Business Cash). Points are often better since you tend to have more redemption options, but not all points are worth a penny each when redeemed for cash (Amex Membership Rewards Points and Capital One Venture Miles are two notorious examples).</span></li></ul></div></div> <h2 class="wp-block-heading" id="types">Types of cash back credit cards</h2> <p>There are three main types of cash back credit cards: flat rate, bonus category and rotating category. Here’s a quick recap of how each one works and what it’s best for: </p> <h4 class="wp-block-heading">Flat rate</h4> <p>Flat rate cards like the Wells Fargo Active Cash card offer a standard 1.5% or 2% cash back (or 1.5X to 2X points) on all purchases. Cards like these are handy for maximizing rewards on purchases that don’t fall into other bonus or rotating rewards categories. </p> <p>They’re also ideal for setting as your default method of payment in most places, as well as those moments when you reach the register and can’t recall which card you “should” use for maximum rewards. In those moments, shrugging and pulling out your flat rate card is a great way to reduce FOMO, since you’ll have the peace of mind knowing you scored at least 2%. </p> <h4 class="wp-block-heading">Bonus category</h4> <p>Bonus category cards like the Capital One Savor Cash Rewards typically offer 2% to 5% cash back (or 2X to 5X points) on various static rewards categories, plus 1% cash back on everything else. Some of the most common bonus categories you’ll see are dining, gas, travel, entertainment, streaming, drug stores, Amazon and more. </p> <p>Bonus category cards are immensely useful if you’re already spending a lot of money within one of those typical purchase categories. For example, if you’re a foodie who spends $1,000 on dining out each month, a Savor Cash Rewards card instead of a 1.5% flat rate card could net you an extra $180 cash back each year—just enough to cover steak night. </p> <h4 class="wp-block-heading">Rotating category</h4> <p>Rotating category rewards cards like the Chase Freedom Flex offer 5X or 5% cash back within purchase categories that rotate every quarter (three months) of the calendar year. To illustrate, the Flex currently offers 5X on gas stations, EV charging, select live entertainment and movie theaters from July 1st through September 30, 2024. During Q2 the categories were Amazon.com, Hotels and Restaurants. </p> <p>Rotating category rewards cards are a great compliment to your flat rate card since they instantly boost your earnings rate on select purchases to 5X while charging no annual fee. While you’ll typically only earn 5X on the first $1,500 of spending each quarter (aka $75 cash back total), that’s still $52.50 per quarter or $210 per year more than you’d earn with a 1.5% cash back card. </p> <h2 class="wp-block-heading" id="what">What is a 0% intro APR?</h2> <p>Let’s break down 0% intro APR piece-by-piece, starting with APR itself. </p> <p>APR (Annual Percentage Rate) is a combination of your interest rate plus fees, expressed as a single percentage. The Truth in Lending Act requires lenders to use APR instead of interest rates for transparency – otherwise, sketchy lenders could lure you in with a low interest rate just to pepper you with hidden loan fees later on. </p> <p>Since credit cards are forms of unsecured loans, they almost always come with extremely high APRs in the range of 18% to 29.99%. To put those numbers into context, if you have a $5,000 loan at 29.99% APR and are making $125 monthly payments, it’ll take you 27 years and $35,543.53 in interest alone to fully pay off your debt. </p> <p>Needless to say, credit card interest can quickly spiral out of control, which is why 0% intro APR has become a common perk with today’s credit cards. With 12 or more months of 0% APR, you can carry a balance on your credit card without any interest piling up. Then, as long as you fully pay off your credit card before the 0% APR period ends, you won’t have to pay a dime in interest. </p> <p>In addition to new purchases, some cash back cards also offer 0% APR on balance transfers. This means you can move a balance from your old credit card onto your new one (often for an unavoidable 3-5% or $5 min. fee) and then slowly pay it off without additional interest accruing on the balance. </p> <p>While 0% APR can buy you some time to pay off debt, it’s not without its drawbacks. For one thing, carrying a large credit card balance can still negatively impact your credit score. Plus, if you’re unable to pay off your debt before the 0% intro APR period ends, you’ll be hammered by double-digit APR overnight on the remaining balance, which could send you into spiraling debt. </p> <p>But with careful planning and a debt repayment strategy in place, 0% intro APR can be a massively helpful tool. Learn more in our full explainer on <a href="https://fortune.com/recommends/credit-cards/what-is-apr-on-a-credit-card/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/what-is-apr-on-a-credit-card/">APR and how it works</a>. </p> <h2 class="wp-block-heading" id="balance-transfer">What is a balance transfer?</h2> <p>In a nutshell, a balance transfer is when you take the statement balance from one credit card account and move it to another. </p> <p>A balance transfer makes the most sense when you’re moving debt from a card with regular APR to a card with 0% APR so you can save on interest. To put some numbers on the board, let’s say you have a credit card with a $5,000 balance and 27.49% APR. Since you’re only able to make $300 monthly payments, it will take you 22 months and $1,370.26 in interest alone to pay off the balance. Ouch. </p> <p>Alternatively, let’s say you apply for the Citi Double Cash card which offers 0% APR on balance transfers for 18 months. Once you’re approved, you perform a balance transfer of $5,000 for a 3% fee ($150). Sure, the balance transfer fee kinda stings, but consider this: you now have 18 months to pay off your debt without a dime of interest accruing. By making the same $300 monthly payments, you’ll wipe out your debt nearly five months faster and save $1,220.26 total, even after the $150 balance transfer fee. </p> <p>Since balance transfers have become such a popular form of debt consolidation, there are now numerous credit cards on the market specifically designed to help facilitate balance transfers. Some even offer up to 21 months of 0% APR to help pay off your debt. </p> <p>For a list of our top picks, check out <a href="https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/">the best balance transfer cards</a>. </p> <h2 class="wp-block-heading" id="foreign">What is a foreign transaction fee?</h2> <p>A foreign transaction fee, sometimes abbreviated as FX, is a fee your bank charges if a transaction involves a non-U.S. bank, a foreign currency or both. Foreign transaction fees can range anywhere from 1% to 5% of the transaction amount, but the most typical FX fee you’ll see is 3%. </p> <p>While that may sound like a minor nuisance, FX fees can rapidly add up while you’re traveling and spending overseas. To illustrate, imagine booking a $3,000 hotel in Vienna thinking you’re getting $150 cash back on hotels, when in reality, you get hit with a $90 FX fee instead. </p> <p>That’s why having zero foreign transaction fees is a major, borderline essential perk for a cash back card that you plan to use overseas. For the most part, travel rewards cards with an annual fee attached won’t charge you foreign transaction fees, but there’s a rising number of no-fee cards that waive FX fees as well (e.g. the Capital One Savor Cash Rewards card, listed above). </p> <p>But if you’re traveling next week and there’s no time to get a card with no FX fees, here are two short-term ways to avoid paying them: </p> <ol><li>Grab cash in the U.S. before you leave, and/or</li> <li>Ask one of your travel companions with a travel rewards card if they don’t mind covering your charges provided you PayPal/Venmo them immediately after. While this involves some trust (and probably isn’t appropriate in a professional setting), some travel companions may relish the chance to earn extra points on your transactions.</li></ol> <h2 class="wp-block-heading" id="faq">Frequently Asked Questions </h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Are cash back cards a good idea?</h3></summary><h3 class="wp-block-heading">Are cash back cards a good idea?</h3> <p>If you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway. However, if you struggle with debt and paying your credit card bill on time, it’s a good idea to avoid credit cards in general.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What credit card gives you 3% back?</h3></summary><p>There aren’t any credit cards that provide a flat 3% back across the board. However, several cards offer 3% back in certain spending categories, including the Amex EveryDay® Preferred Credit Card, Bank of America® Customized Cash Rewards Credit Card, and Capital One Savor Cash Rewards.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How do you get 5% cash back on everything?</h3></summary><p>There is no cash back card that provides 5% back on all purchases. However, several cards offer 5% cash back on popular spending categories like groceries and gas, including the US Bank Cash+ Visa Signature ® Card, Credit One Bank Platinum X5 Visa, and Discover it Cash Back card.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How much is 1.5% cash back on $1,000?</h3></summary><p>If you spend $1,000 in eligible purchases on a card that offers 1.5% back, you’d earn $15 in cash back.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Is there a downside to cash back?</h3></summary><p>There is no downside to earning cash back. However, it’s not a good idea to spend money on a credit card that you can’t afford to pay back just to earn cash back. Missing payments results in late fees and harm to your credit.</p></details> <h2 class="wp-block-heading" id="methodology">Our methodology<strong> </strong></h2> <p>To bring you our top picks for the best cash back credit cards, the Fortune Recommends<sup><font size="1">TM</font></sup> team compared approximately 40 cash back rewards cards available from major issuers. To learn more about how we rate credit cards, see our <a href="https://fortune.com/fortune-recommends-credit-card-methodology/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-credit-card-methodology/" rel="noreferrer noopener">credit cards methodology</a>.</p> <p>We ranked each account in these nine core categories: </p> <ul><li><strong>Annual fee (10%):</strong> Some credit cards charge an annual fee, which can range from $50 to several hundred dollars. Usually, the more valuable the rewards and perks associated with a card, the higher the annual fee. However, many cards do not charge a fee at all. Fee-free cards were prioritized in our rankings. </li> <li><strong>Base rewards rate (15%): </strong>This is the minimum amount of cash back awarded on everyday purchases, not considering any specific or rotating categories that may earn a higher rewards rate. </li> <li><strong>Welcome bonus (15%): </strong>It’s common for credit card issuers to entice new customers by offering a bonus when they spend a certain amount of money within a few months after opening an account. </li> <li><strong>0% APR intro term (15%): </strong>Another feature that some card issuers offer to attract new business is an introductory period when the APR is 0%, meaning you won’t accrue any interest charges on purchases or balance transfers during this time (though balance transfers may be subject to fees). After this period, the interest rate reverts to the regular purchase APR on new charges. </li> <li><strong>Purchase APR (20%):</strong> We examined the lowest available rate (10%) and highest available rate (10%) on regular purchases. (The exact interest rate you’re offered within that range will depend on your individual credit and financial profile).</li> <li><strong>Foreign transaction fee (5%): </strong>Some credit cards charge a fee for transactions made overseas. Cards that charge foreign transaction fees were docked in our rankings. </li> <li><strong>Statement credits (5%): </strong>A handful of cash back cards also offer monthly, quarterly, or annual statement credits to offset the cost of certain purchases.</li> <li><strong>Customer service (5%):</strong> We included the J.D. Power 2022 U.S. Credit Card Satisfaction rating for all card issuers.</li> <li><strong>Consumer benefits (5%): </strong>Cards were awarded 0–4 points based on which consumer benefits/protections were included: purchase protection, extended warranty, cell phone insurance, car rental/trip insurance.</li> <li><strong>Mobile app rating (5%):</strong> We averaged the star rating for each issuer’s mobile app in the Apple Store and Google Play.</li></ul> <p>Keep in mind that the rewards, interest rates, and fee structures for the cards mentioned are available for limited periods and subject to change, which could impact how much cash back you earn. Additionally, only cards with an explicit cash back rate were considered; cards offering points or other non-cash back rewards were excluded from our rankings. </p> <hr class="sc-fa0656e5-0 gIAhfJ"/> <p style="font-size:16px"><em>Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.</em></p> <p style="font-size:16px"><em>Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying</em></p> <p style="font-size:16px"><em>Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit <a href="http://americanexpress.com/benefits" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://americanexpress.com/benefits" rel="noreferrer noopener">americanexpress.com/benefits</a> guide for more details. Underwritten by Amex Assurance Company.</em></p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <h3 class="wp-block-heading pro-tip-box-heading">Read more</h3> <li>Help your travel dollars go farther with the <a href="https://fortune.com/recommends/credit-cards/best-travel-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-travel-credit-cards/">best travel credit cards</a>.</li> <li>Fly the friendly skies with the <a href="https://fortune.com/recommends/credit-cards/best-airline-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-airline-credit-cards/">best airline credit cards</a>.</li> <li>The <a href="https://fortune.com/recommends/credit-cards/best-hotel-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-hotel-credit-cards/">best hotel cards</a> earn you more on each night you book.</li> <li>The <a href="https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/">best cash back credit cards</a> give you cash back on every purchase.</li> <li>Do you have bad credit or no credit? Consider applying for a <a href="https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/">secured credit card</a>.</li> </div></div><div class="sc-30bdb254-0 kxagCu evergreen" data-cy="subscriptionPlea"><p>Follow Fortune Recommends on <a href="https://www.facebook.com/fortunerecommends" target="_blank" class="sc-93594058-0 fowfrQ c-link " aria-label="Go to https://www.facebook.com/fortunerecommends" rel="noopener noreferrer" data-stringify-link="https://www.facebook.com/fortunerecommends" data-sk="tooltip_parent">Facebook</a> and <a href="https://twitter.com/fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ c-link " aria-label="Go to https://twitter.com/fortunerecs" rel="noopener noreferrer" data-stringify-link="https://twitter.com/fortunerecs" data-sk="tooltip_parent">Twitter</a>.</p></div></div></div></div><div class="sc-82385409-3 dKaNXQ bottom-section"><div data-cy="authors-bio-cards" class="sc-82385409-6 kSOnKx"><h4 class="sc-3358ecfd-0 fwBYux">About the contributors</h4><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Chris Butsch</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div></div><span class="sc-3be47025-5 fQLsjx"><p>Chris Butsch is an expert on the subjects of credit cards and mortgages. Chris is a two-time author who has made it his mission to help people build better lives through financial literacy and positive psychology. His writing has been featured in Forbes Advisor, HuffPost, ConsumerAffairs, Money Under 30, and Investor Junkie.</p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/chrisbutsch/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Dia Adams</span></a><span class="sc-3be47025-2 eSlZzo">Senior Editor, Credit Cards</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Dia Adams is the senior editor leading the credit cards team at Fortune Recommends. Previously, Dia was a managing editor on the credit cards and travel rewards team at Forbes Advisor. She has been featured on national television, radio, print, and online media as an expert in the realms of credit cards, points and miles, Disney and family travel. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/dia-adams/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://twitter.com/TheDiaAdams" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/dia-adams/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div><p class="disclosure" data-cy="editorial-disclosure">EDITORIAL DISCLOSURE<em>: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends</em>™<em> editorial team. 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deals","subMenu":null,"url":"https://fortune.com/recommends/shopping/cyber-monday-deals/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_CyberMondayTips-e1731091240486.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/shopping-guides/"}],"url":"/recommends/shopping/"}],"disclosure":{"fullText":"Fortune Recommends™ is editorially independent. We earn a commission for purchases made from affiliate partners via some links on our site; other links are not affiliate partner links. \u003ca href='/advertiser-disclosure/'\u003eClick here\u003c/a\u003e to read the full Fortune Recommends advertiser disclosure and how we earn commissions. \u003ca href='/about-recommends/'\u003eClick here\u003c/a\u003e to read about our editorial policies and our methodologies.","shortText":"Fortune Recommends™ is editorially independent. We may earn affiliate revenue from links in this content."},"progressBar":true,"templateType":"landing_page"},"mostPopular":[{"authors":[{"name":"Ben Luthi","uri":"/author/ben-luthi","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/ben-luthi/"}],"contentType":null,"date":"2024-04-23T20:17:10","dateFormatted":"April 23, 2024","dateGMT":"2024-04-23T20:17:10","dateGMTFormatted":"April 23, 2024","dateUpdated":"2024-11-22T12:26:18","dateUpdatedFormatted":"November 22, 2024","dateUpdatedGMT":"2024-11-22T17:26:18","dateUpdatedGMTFormatted":"November 22, 2024","excerpt":"We compared dozens of credit cards to find the best credit cards for 2024. \r\n","eyebrowSectionLabel":"Credit Cards","eyebrowSectionLink":"/section/credit-cards","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-134119689-e1708622751371.jpg"},"title":"11 best credit cards: Earn rewards, elevate your travels, or save on interest","titleLink":"https://fortune.com/recommends/credit-cards/best-credit-cards/?itm_source=parsely-api"},{"authors":[{"name":"Ben Luthi","uri":"/author/ben-luthi","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/ben-luthi/"}],"contentType":null,"date":"2024-02-28T20:20:35","dateFormatted":"February 28, 2024","dateGMT":"2024-07-25T14:40:07","dateGMTFormatted":"July 25, 2024","dateUpdated":"2024-11-21T15:27:14","dateUpdatedFormatted":"November 21, 2024","dateUpdatedGMT":"2024-11-21T20:27:14","dateUpdatedGMTFormatted":"November 21, 2024","excerpt":"We analyzed more than 50 cards to find the best travel credit cards.","eyebrowSectionLabel":"Credit Cards","eyebrowSectionLink":"/section/credit-cards","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2023/11/GettyImages-1255431817-e1699977652375.jpg"},"title":"Best travel credit cards of March 2024","titleLink":"https://fortune.com/recommends/credit-cards/best-travel-credit-cards/?itm_source=parsely-api"},{"authors":[{"name":"Trina Paul","uri":"/author/trina-paul","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/trina-paul/"}],"contentType":null,"date":"2023-11-07T21:51:51","dateFormatted":"November 7, 2023","dateGMT":"2024-11-25T20:25:08","dateGMTFormatted":"November 25, 2024","dateUpdated":"2024-11-25T15:25:12","dateUpdatedFormatted":"November 25, 2024","dateUpdatedGMT":"2024-11-25T20:25:12","dateUpdatedGMTFormatted":"November 25, 2024","excerpt":"If you’re looking for a $0 annual fee card, try the TD Double Up Card, a 2% cash-back card—you’ll just need to be an East Coast resident to sign up.\r\n","eyebrowSectionLabel":"Credit Cards","eyebrowSectionLink":"/section/credit-cards","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2023/10/Recommends_TD_DoubleUp_CC_Review.jpg"},"title":"TD Double Up Credit Card: A straightforward 2% cash-back card available to residents of select states","titleLink":"https://fortune.com/recommends/credit-cards/td-double-up-credit-card-review/?itm_source=parsely-api"}],"subdomain":"recommends","footer":{"footerDisclaimer":"\u003cp\u003e© 2024 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our \u003ca href=\"https://fortune.com/terms-of-use/\"\u003eTerms of Use\u003c/a\u003e and \u003ca href=\"https://fortune.com/privacy-policy/\"\u003ePrivacy Policy\u003c/a\u003e | \u003ca href=\"/california-privacy-policy/#notice\"\u003eCA Notice at Collection and Privacy Notice\u003c/a\u003e | \u003ca href=\"javascript:Optanon.ToggleInfoDisplay();\" target=\"_self\"\u003eDo Not Sell/Share My Personal Information\u003c/a\u003e\u003cbr /\u003e\nFORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. 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Initiative","url":"https://fortune.com/ceoi"},{"__typename":"MenuItem","label":"Conferences","url":"/section/conferences/"},{"__typename":"MenuItem","label":"Personal Finance","url":"/section/personal-finance/"},{"__typename":"MenuItem","label":"Recommends","url":"/recommends/"}],"name":"Footer Sections 5"},{"links":[{"__typename":"MenuItem","label":"Frequently Asked Questions","url":"https://fortune.com/customerservice/#faq"},{"__typename":"MenuItem","label":"Customer Service Portal","url":"https://fortune.com/customerservice/"},{"__typename":"MenuItem","label":"Privacy Policy","url":"/privacy-policy/"},{"__typename":"MenuItem","label":"Terms of Use","url":"https://fortune.com/terms-of-use/"},{"__typename":"MenuItem","label":"Single Issues for Purchase","url":"https://order.emags.com/fortune_single_issues"},{"__typename":"MenuItem","label":"International Print","url":"https://fortune.com/international-print-magazine-only-subscribers/"}],"name":"Footer Customer Support 1"},{"links":[{"__typename":"MenuItem","label":"Fortune Brand Studio","url":"https://customcontentonline.com/"},{"__typename":"MenuItem","label":"Fortune Analytics","url":"https://fortune.com/analytics"},{"__typename":"MenuItem","label":"Fortune Conferences","url":"https://fortuneconferences.com"},{"__typename":"MenuItem","label":"Advertising","url":"https://fortunemediakit.com/"},{"__typename":"MenuItem","label":"Business Development","url":"https://fortune.com/business-development/"}],"name":"Footer Commercial Services 1"},{"links":[{"__typename":"MenuItem","label":"About Us","url":"/about-us/"},{"__typename":"MenuItem","label":"Editorial Calendar","url":"https://fortune.com/editorial-calendar/"},{"__typename":"MenuItem","label":"Press Center","url":"https://fortune.com/press-center/"},{"__typename":"MenuItem","label":"Work at Fortune","url":"https://boards.greenhouse.io/fortune/"},{"__typename":"MenuItem","label":"Diversity and Inclusion","url":"https://fortune.com/workplace/diversity-inclusion"},{"__typename":"MenuItem","label":"Terms and Conditions","url":"/terms-of-use/"},{"__typename":"MenuItem","label":"Site Map","url":"/sitemap/"}],"name":"Footer About 1"}],"socialList":[{"type":"facebook","url":"https://www.facebook.com/FortuneMagazine/"},{"type":"twitter","url":"https://twitter.com/FortuneMagazine/"},{"type":"linkedin","url":"https://www.linkedin.com/company/fortune-magazine/"},{"type":"instagram","url":"https://www.instagram.com/fortunemag/"},{"type":"pinterest","url":"https://www.pinterest.com/fortunemagazine/"}]},"article":{"adTags":[{"adtagname":"cat_Cashback","description":null,"slug":"cat-cashback"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"These cash back credit cards can put hundreds of dollars back in your pocket.","authorNames":["Chris Butsch"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=150","name":"Chris Butsch","sameAs":"","type":"Person","uri":"/author/chris-butsch/","url":"https://fortune.com/author/chris-butsch/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/chrisbutsch/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003eChris Butsch is an expert on the subjects of credit cards and mortgages. Chris is a two-time author who has made it his mission to help people build better lives through financial literacy and positive psychology. His writing has been featured in Forbes Advisor, HuffPost, ConsumerAffairs, Money Under 30, and Investor Junkie.\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"CREDIT CARDS","link":"/recommends/credit-cards/"},{"label":"12 BEST CASH BACK CREDIT CARDS OF NOVEMBER 2024","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Credit Cards","content":"\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eFortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eTerms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit\u0026nbsp;\u003ca href=\"http://americanexpress.com/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eamericanexpress.com\u003c/a\u003e\u0026nbsp;to learn more.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eBack in 1986, Sears, Roebuck \u0026amp; Co launched a radical new product called the Discover Card. Unlike other \u003ca href=\"https://fortune.com/recommends/credit-cards/best-credit-cards/\"\u003ecredit cards\u003c/a\u003e of its era, the Discover Card actually paid you for using it. In the words of the Discover Card’s 30-second \u003ca href=\"https://www.youtube.com/watch?v=7u6d0ldx0oY\"\u003eSuper Bowl XXI commercial\u003c/a\u003e:\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003e“Why should I pay with just any credit card when this one pays me money back?”\u003c/p\u003e\n\n\n\n\u003cp\u003eNaturally, the idea of a “cash back rewards credit card” spread like wildfire, and 38 years of competition mean today’s cash back cards have become more rewarding than ever. From welcome bonuses topping $1,000 to up to 5% cash bacdk on everyday purchases, the rewards potential is enormous.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut which cash back rewards card is best? Which one rewards foodies, travelers, and everyday spenders the most? Which card is ideal if you have imperfect credit or no credit history at all?\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLet’s explore the best cash back credit cards of 2024.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-credit-card-methodology/\"\u003ecredit card methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eMore than 50 years of industry experience\u003c/li\u003e\n\n\n\n\u003cli\u003eFeatured speaker at over a dozen industry events\u003c/li\u003e\n\n\n\n\u003cli\u003e4 levels of fact checking\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 50 cash back cards considered\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest cash back credit cards of November 2024\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eBest no annual fee cash back card:\u003c/strong\u003e \u003ca href=\"#best-overall\"\u003eWells Fargo Active Cash® Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for maximizing rewards: \u003c/strong\u003e\u003ca href=\"#value\"\u003eChase Freedom Unlimited®\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for the rotating category card:\u003c/strong\u003e \u003ca href=\"#cfo\"\u003eChase Freedom Flex℠\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest travel credit card for cash back: \u003c/strong\u003e\u003ca href=\"#best-travel\"\u003eChase Sapphire Preferred® Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for dining: \u003c/strong\u003e\u003ca href=\"#foodies\"\u003eCapital One Savor Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for groceries: \u003c/strong\u003e\u003ca href=\"#bluecash\"\u003eBlue Cash Preferred® Card from American Express\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for people new to credit:\u003c/strong\u003e \u003ca href=\"#rise\"\u003eChase Freedom Rise®\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for bad credit:\u003c/strong\u003e \u003ca href=\"#quicksilver\"\u003eCapital One Quicksilver Secured Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for fair credit:\u003c/strong\u003e \u003ca href=\"#doublecash\"\u003eCiti® Double Cash Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for customer experience: \u003c/strong\u003e\u003ca href=\"#customer\"\u003eDiscover it® Cash Back\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for big-ticket purchases:\u003c/strong\u003e \u003ca href=\"#big-ticket\"\u003eU.S. Bank Cash+® Visa Signature® Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest small business cash back card:\u003c/strong\u003e \u003ca href=\"#bluebuscash\"\u003eAmerican Express Blue Business Cash™ Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest business cash back card for large purchases:\u003c/strong\u003e \u003ca href=\"#InkBusUnlimited\"\u003eInk Business Unlimited® Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eSPONSORED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"caponeqc\" class=\"card-title\"\u003eCapital One Quicksilver Cash Rewards Credit Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn $200 as a one-time cash bonus once you spend $500 within 3 months from account opening.\r\n\r\n\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% Intro APR\u003c/td\u003e\r\n\u003ctd\u003e15 months \u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"15 months 0% introductory APR for the first 15 months on purchases and balance transfers . After that, your APR will be 19.99% - 29.99%. BT fee applies \" data-tooltip=\"0% introductory APR for the first 15 months on purchases and balance transfers. After that, your APR will be 19.74% - 29.74%. BT fee applies.\"\u003e\u003c/div\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRewards\u003c/td\u003e\r\n\u003ctd\u003e1.5% cash back on all purchases\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3791969 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView Offer\r\n\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOur Take\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eThe Quicksilver card combines an appealing 0% APR period, a decent cash-back rate and a selection of unique benefits.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView Offer\r\n\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-overall\"\u003eBest no annual fee: Wells Fargo Active Cash® Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Active Cash keeps it simple with 2% cash back on all purchases with no categories to track or spending caps to hit. You’ll also get a $200 cash rewards bonus after spending $500 in purchases in the first three months, \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e and $600 in cell phone protection to round out a stellar overall package.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eWells Fargo Active Cash® Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn $200 cash rewards bonus after spending $500 in purchases in the first three months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3% or $5 first 120 days, then 5%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e20.24%, 25.24%, or 29.99% variable APR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eRead our review\u003c/a\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e2%\u003c/span\u003e Unlimited 2% cash rewards on purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCard Details\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003cli\u003eAdditional perks: Cell phone insurance, car rental insurance\u003c/li\u003e\r\n\u003cli\u003eForeign transaction fee: 3%\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eRead our review\u003c/a\u003e\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e The Wells Fargo Active Cash® Card may be the best cash back card on the market and for one simple reason: it offers a blanket 2% cash rewards on purchases. That objectively beats out the 1.5% you’ll see most other general-use rewards cards offer.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn terms of overall value, the Active Cash Card definitely doesn’t stop there. You’ll also get a generous $200 cash rewards bonus after spending $500 in purchases in the first three months, \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e and even $600 in cell phone protection (which covers damage and theft) with a minimal $25 deductible (so the next time you crack your screen, Wells Fargo may help with the repair bill).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAs for drawbacks, the card lacks any form of travel protection beyond basic rental car insurance. Plus, its 3% foreign transaction fee will nullify your 2% cash rewards on purchases as soon as you land overseas. As a net result, it’s not much of a travel companion (the Chase Sapphire Preferred® Card, detailed below, is a far better option).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut for daily usage—especially for someone who doesn’t have the mental space to track rotating bonus categories, and just wants maximum cash back on each purchase—the Wells Fargo Active Cash is the no-fee card to beat.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more: See our \u003ca href=\"https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/\"\u003eActive Cash review\u003c/a\u003e and learn \u003ca href=\"https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/\"\u003ehow to choose a cash-back credit card\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns rewards\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHigh balance transfer fee after first 120 days\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWells Fargo Rewards\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe official Wells Fargo Active Cash Card webpage makes countless mentions of the term “cash back rewards,” which sounds a lot like you’ll be getting straight cash back. But in reality, you’ll be earning points that are redeemable in multiple ways:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eStatement credit\u003c/li\u003e\n\n\n\n\u003cli\u003eCovering existing purchases\u003c/li\u003e\n\n\n\n\u003cli\u003eGetting literal cash from an ATM (in $20 increments)\u003c/li\u003e\n\n\n\n\u003cli\u003eGift cards\u003c/li\u003e\n\n\n\n\u003cli\u003eBooking travel via Wells Fargo Travel\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eShopping with one of Wells Fargo’s retail partners\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eWells Fargo also has a small (but growing) list of transfer partners that accept Wells Fargo Rewards points at various ratios. However, only two Wells Fargo rewards cards currently offer the ability to transfer points: the \u003ca href=\"https://fortune.com/recommends/credit-cards/wells-fargo-autograph-visa-card-review/\"\u003eWells Fargo Autograph℠ Card\u003c/a\u003e and the \u003ca href=\"https://fortune.com/recommends/credit-cards/wells-fargo-autograph-journey-credit-card-launch-news/\"\u003eWells Fargo Autograph Journey℠ Visa® Card\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eSo if you have an Active Cash card, you’ll probably be redeeming most of your points for cash back at a rate of 1 cent per point. Still, you should be able to rack up points pretty quickly given the card’s generous welcome bonus and rewards structure.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWells Fargo Active Cash Benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e2% cash rewards on purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 cash rewards bonus after spending $500 in purchases in the first three months\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e$600 in Cell Phone Protection covering damage and theft ($25 deductible)\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eEmergency Cash Disbursement and Card Replacement\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you are a one-card type of person, a 2% cash-back card like the Active Cash makes a lot of sense. When you\u0026#8217;re ready to branch out a bit, hold on to that flat-rate card and add one with tiered benefits in bonus categories that match up with your spending. \u003cem\u003e\u003ca href=\"https://fortune.com/author/dia-adams/\"\u003eDia Adams, Senior Editor\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"value\"\u003eBest for those who want the most value: Chase Freedom Unlimited®\u003c/h2\u003e\n\n\n\n\u003cp\u003eWe\u0026#8217;re big fans of the Chase Freedom Unlimited®, especially for its ease of pairing with other cards in the Chase ecosystem. With the Unlimited and the Freedom Flex in hand, you\u0026#8217;ll maximize your cash-back earnings. Or pair it with a Sapphire Preferred and use those points for travel at an elevated rate. The choice is yours.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Freedom Unlimited®\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\nAn additional 1.5% on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back.\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eIntro 0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-value=\"{\"1\":2,\"2\":\"$5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.\"}\" data-sheets-userformat=\"{\"2\":835,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"9\":0,\"11\":4,\"12\":0}\"\u003e$5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.99%–28.74% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090\u0026amp;src=692824\u0026amp;var2=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3848225 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=300\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow noreferrer\"\u003eLearn more\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eThe Chase Freedom Unlimited® card is a well-rounded rewards card, offering generous cash-back earnings in a variety of categories. The $0 annual fee and an introductory 15-month 0% APR make this card particularly attractive to budget-conscious cardholders.\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e6.5%\u003c/span\u003e 6.5% on travel purchased through Chase Travel℠\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e4.5%\u003c/span\u003e 4.5% cash back on dining including takeout and eligible delivery service\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e4.5%\u003c/span\u003e 4.5% cash back on drugstore purchases \u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003e \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"3% cash back on all eligible purchases (on up to $20,000 spent in the first year)\"}\" data-sheets-userformat=\"{\"2\":11203,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"9\":0,\"10\":2,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e3% cash back on all eligible purchases (on up to $20,000 spent in the first year)\u003c/span\u003e\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on Lyft purchases (through March 2025)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn more\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat cardratings.com\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u0026nbsp;\u003c/strong\u003eThe Chase Freedom Unlimited® frees your mind from having to consider which card to use at checkout. You’ll receive, at minimum, 1.5X cash back on all eligible purchases, plus 3X on dining and drugstores, and 5X on travel booked through Chase Travel℠.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Freedom Unlimited also offers Purchase Protection, Extended Warranty Protection, rental car insurance and even Trip Cancellation/Interruption Insurance, which is a rarity for a non-travel rewards card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSo, while the Freedom Unlimited card’s base earnings rate of 1.5X falls a pinch behind the 2X that some rivals offer, the card makes up the difference with 3X and 5X categories, beaucoup purchase and travel insurance and the ability to transfer points to your Chase Sapphire Preferred account for even more value.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more about the card with our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-freedom-unlimited-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eFreedom Unlimited review\u003c/a\u003e or see \u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-combine-chase-ultimate-rewards-points/\"\u003ehow to combine Ultimate Rewards\u003c/a\u003e for maximum value.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEasy-to-earn welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns at least 1.5% cash back\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eOther cash-back cards offer 2% cash back\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow to combine Ultimate Rewards points\u003c/h3\u003e\n\n\n\n\u003cp\u003eIn the above sections, I made multiple references to how you can actually transfer points from a Chase Freedom Unlimited account to a Chase Sapphire Preferred account to instantly boost their value. Here’s how it all works.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you go to your Chase Ultimate Rewards dashboard and choose your Chase Freedom Unlimited account, you’ll see an option under Rewards Details called Combine Points. This feature allows you to move points from one card account to another, meaning you could pool all of the points you just earned with your Chase Freedom Unlimited into your Chase Sapphire Preferred account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhy would you want to do this?\u003c/p\u003e\n\n\n\n\u003cp\u003eWell, for one thing, points in your Chase Sapphire Preferred account get an instant 25% bonus when redeemed through Chase Travel℠. That means 30,000 points is worth $375 towards airfare, hotels and more.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, unlike points in your Freedom Unlimited account, points in your Chase Sapphire Preferred account can be transferred to one of Chase’s 14 transfer partners at a minimum 1:1 ratio. You’ll often see promos, too, such as an 80% transfer bonus to IHG.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn summary, the Combine Points feature allows you to earn points with your Chase Freedom Unlimited, then \u003cem\u003espend \u003c/em\u003ethem with your Chase Sapphire Preferred for maximum travel value.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Freedom Unlimited Benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e1.5X on all eligible purchases, 3X on drugstores and dining, 5X on Chase Travel℠\u003c/li\u003e\n\n\n\n\u003cli\u003eGet additional 1.5% on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 19.99%–28.74%)\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption insurance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eI find the Freedom Unlimited is the perfect companion for my Sapphire Reserve and Chase Freedom Flex cards. I use it for everyday purchases that don’t fall into bonus categories from the other cards, and then I often transfer the Ultimate Rewards points to the Sapphire Reserve before redeeming. \u003cem\u003eLouis DeNicola, Fortune contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"cfo\"\u003eBest for rotating bonus categories: Chase Freedom Flex℠\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Chase Freedom Flex℠ shines for its maximized earning rate of 5% on a series of categories that change every quarter. Used properly, the card is a workhorse for rewards.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Freedom Flex℠\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\n$200 cash bonus after spending $500 on purchases within your first three months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e20.49%–29.24% Variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3819638\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eOur take\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe Chase Freedom Flex℠ card has $0 annual fee, and users can earn a hefty 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%). With additional benefits like an extended introductory annual percentage rate (APR) period, cell phone protection, and car rental collision coverage, this card is packed with perks. \r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on travel purchased through Chase Ultimate Rewards\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003e 3% cash back on dining (including restaurants, takeout and eligible delivery services)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003e 3% cash back on drugstore purchases\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1%\u003c/span\u003e 1% cash back on all other purchases\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on Lyft rides (through March 2025)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like this card\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Chase Freedom Flex℠ card’s hallmark feature is the 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%) that change out every three months of the calendar year. At the time of this writing (Q3 2024), the current 5X rewards categories are Gas Stations, EV Charging, Select Live Entertainment and Movie Theaters. Prior to that was Amazon, Hotels and Restaurants in Q2, and Q1 featured\u0026nbsp; Grocery Stores and Fitness Clubs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOutside of the 5X categories (which are capped at $1,500 worth of spending aka $75 cash back), you’ll earn an unlimited 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining (including restaurants, takeout and eligible delivery services), 3% cash back on drugstore purchases and 1% cash back on all other purchases. There’s also a $200 cash bonus after spending $500 on purchases within your first three months, 0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%) and up to $800 per claim in Cell Phone Protection (with a $50 deductible).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePut it all together and you have a 5X rewards card that probably isn’t strong enough on its own (especially given the $75 cap on rewards each quarter), but will pair extremely well with your other general-use rewards card. The cherry on top—and why it dominates other rotating rewards cards—is the ability to transfer points you earn with the Flex to your Chase Sapphire Preferred account for 25% bonus redemption value via travel.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo dig deeper, see our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eFreedom Flex review\u003c/a\u003e. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e \u003ca href=\"https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eWhy I switched from travel rewards to cash back, and how to know if you should, too\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEasy-to-earn welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns up to 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%)\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMust activate bonus categories every quarter\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e5% categories are capped\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat are the Chase Freedom Flex bonus categories?\u003c/h3\u003e\n\n\n\n\u003cp\u003eHere’s a quick recap of the Chase Freedom Flex’s bonus categories from the past four quarters:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOctober \u0026#8211; December 2023: Wholesale Clubs (e.g. Costco, Sam’s Club), Select Charities and PayPal\u003c/li\u003e\n\n\n\n\u003cli\u003eJanuary \u0026#8211; March 2024: Grocery Stores (excluding Wal-Mart and Target), Fitness Clubs \u0026amp; Gym Memberships and Self-Care and Spa Services\u003c/li\u003e\n\n\n\n\u003cli\u003eApril \u0026#8211; June 2024: Amazon.com, Hotels and Restaurants\u003c/li\u003e\n\n\n\n\u003cli\u003eJuly \u0026#8211; September 2024: Gas Stations, EV Charging, Select Live Entertainment and Movie Theaters\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow to activate quarterly 5% bonus categories\u003c/h3\u003e\n\n\n\n\u003cp\u003eFor reasons we’re not privy to, Chase requires you to manually “activate” your rewards each quarter when you have the Flex card. If you miss the deadline to activate, you won’t receive 5X rewards that quarter.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe good news is that the deadline isn’t toward the end of the quarter (e.g. September 14th for Q3 2024), so even if it slips your mind for a month or two, you’ll still have plenty of time. Plus, activating just takes a single click \u0026#8211; you can do so from the reminder email Chase sends you, from your main account dashboard or from \u003ca href=\"http://chase.com/bonus\"\u003eChase.com/bonus\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Freedom Flex benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%), 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on drugstore purchases, 3% cash back on dining (including restaurants, takeout and eligible delivery services), 1% cash back on all other purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 cash bonus after spending $500 on purchases within your first three months\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%)\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eCell Phone Protection (up to $800 per claim, $50 deductible)\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you’re not using the Chase Freedom Flex and Chase Sapphire Preferred in tandem, you’re missing out. The no-fee Flex card gives me 5X on quarterly rotating categories like Amazon and groceries, which I then migrate to my Sapphire account where they’re worth 25% extra in travel redemption value. In essence, I’m getting 6.25X in travel on everyday purchases. \u003ca href=\"https://fortune.com/author/chris-butsch/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003e\u003cem\u003eChris Butsch, Fortune contributor\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-travel\"\u003eBest travel credit card for cash back: Chase Sapphire Preferred® Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eDespite rising competition, the Chase Sapphire Preferred® Card remains our favorite travel cash back card due to its generous 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening You also get numerous 2X to 5X rewards categories, and sweet 25% multiplier for points redeemed via Chase Travel℠. Toss in 14 transfer partners and a cornucopia of travel insurance and you have a sweet metal card that deserves a spot next to your passport.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Sapphire Preferred® Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\n60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$95\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e20.99%–27.99% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159\u0026amp;src=692824\u0026amp;var2=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=289\" alt=\"\" width=\"289\" height=\"181\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eThe Chase Sapphire Preferred® Card offers an impressive welcome bonus, bonus value on travel redemptions and several transfer partners. If you\u0026#8217;re looking for luxury travel perks, however, the card may leave you wanting more.\u003c/div\u003e\r\n\u003c!-- pannel 2--\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e Rewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit)\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e3x\u003c/span\u003e3x points on dining at restaurants, including takeout and eligible delivery services\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e2x points on travel purchases not booked through Chase\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e1x points on other purchases\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e Card details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eAdditional perks: $50 annual hotel credit, trip cancelation/interruption insurance, auto rental collision damage waiver, complimentary Doordash and Instacart+ membership along with quarterly Instacart+ credits\u003c/li\u003e\r\n \t\u003cli\u003eForeign transaction fee: None\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e It’s rather appropriate that the Chase Sapphire Preferred® Card card aka “CSP” comes in thick metal form since the card is so (figuratively) dense with travel benefits. Right off the bat, you’ll get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening\u003c/p\u003e\n\n\n\n\u003cp\u003eBeyond that, the card generates 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining, 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on travel purchases and 1x points on other purchases. There’s also a $50 annual hotel credit, free DashPass and a metric ton of travel insurance and purchase protection.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to the 25% redemption bonus, having a Chase Sapphire Preferred account also unlocks the ability to transfer your Chase Ultimate Rewards points to one of the bank’s 14 transfer partners. Transfer ratios are all 1:1, so if you move your points to a program with exceptionally high individual point values (*cough* World of Hyatt), you can make your Chase points go even further towards your next trip.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut even if you don’t have any upcoming travel plans and just need to pay the bills, the CSP’s generous welcome bonus and 2X to 5X categories can net some serious cash back.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo learn more, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-sapphire-preferred-review/\"\u003efull review of the Chase Sapphire Preferred\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eValuable welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eExtensive list of transfer partners\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eExtra value on travel redemptions\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo premium travel perks (e.g. lounge access)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo instant status with any airline or hotel\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e$95 annual fee\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is the Chase Trifecta?\u003c/h3\u003e\n\n\n\n\u003cp\u003eAs you shop around for the right credit credit cards, you may see mention of something called the “Chase Trifecta.”\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Chase Trifecta comprises the Chase Freedom Unlimited, Freedom Flex and Sapphire Preferred. Having this strategic combination of cards in your wallet is so effective at maximizing points that it scored its own nickname.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAs you may have surmised, the idea is to alternate between your no-fee Freedoms so that you’re always earning between 1.5X and 5X on everyday purchases. Then, when it’s time to book travel, you can use the Combine Points feature to move your Chase Ultimate Rewards points over to your Sapphire Preferred account where you’ll get an extra 25% in redemption value or have the ability to transfer to travel partners for even more value.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you travel for work, you might consider swapping out the Sapphire Preferred for the Ink Business Preferred® Credit Card, which offers the same 25% travel redemption bonus plus a 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠. And if you travel multiple times per month, either for work or business, you might even pair the Freedom Flex and Unlimited with the Chase Sapphire Reserve® card, which ups the redemption bonus from 25% to 50%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSpeaking of Chase Ultimate Rewards, let’s touch on the program a bit more before moving on to our next card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eChase Ultimate Rewards\u003c/h3\u003e\n\n\n\n\u003cp\u003eChase Ultimate Rewards may be the best overall rewards card program on the market due to its flexible redemption options, high point values and frequent promotional bonuses.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor starters, Chase Ultimate Rewards points are always worth at least a penny each via statement credit. That instantly gives the program a leg up against its chief rival Amex Membership Rewards, which only offers 0.6 cents per point in statement credit. You can also redeem points through Chase Travel℠, cash out for gift cards (often with a 10% bonus multiplier) and donate points to charity.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHolders of the Sapphire Preferred, Sapphire Reserve and Ink Business Preferred cards also have the option of transferring points to one of Chase’s 14 transfer partners including Southwest, United, Hyatt and more. While most ratios are 1:1, you’ll sometimes see temporary promotional rates which can stretch your point values even further (e.g. 80% bonus with IHG at the time of writing).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more about why we think it’s the program to beat in our full review of \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/\"\u003eChase Ultimate Rewards\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Sapphire Preferred card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$95 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel), 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining, 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on travel purchases, 1x points on other purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening\u003c/li\u003e\n\n\n\n\u003cli\u003e25% bonus multiplier on all points redeemed through Chase Travel℠\u003c/li\u003e\n\n\n\n\u003cli\u003e$50 Annual Hotel Benefit good towards hotels booked through Chase Travel℠\u003c/li\u003e\n\n\n\n\u003cli\u003eComplimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Delay Reimbursement\u003c/li\u003e\n\n\n\n\u003cli\u003eBaggage delay insurance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"foodies\"\u003eBest cash back credit card for foodies: Capital One Savor Cash Rewards Credit Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Capital One Savor Cash Rewards Credit Card gives extra rewards for both dining and groceries, meaning that everything you eat can earn extra cash back. The Savor Cash Rewards is also the rare card that offers entertainment as a bonus category so even your movie popcorn will earn more points.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eCapital One Savor Cash Rewards Credit Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% intro balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"3% for first 15 months account is open, then 4%\" data-tooltip=\"3% for first 15 months account is open, then 4%\"\u003e\u003c/div\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.74%-29.74, based on your creditworthiness\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129\u0026amp;src=692824\u0026amp;var2=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3858250 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=300\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you are an avid foodie or concert goer, the Savor Cash Rewards will reward you handsomely, especially considering it has no annual fee.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eReward Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e8x\u003c/span\u003e8% cash back on Capital One Entertainment purchases\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e\u003cspan data-sheets-value=\"{\"1\":2,\"2\":\"unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\"}\" data-sheets-userformat=\"{\"2\":4995,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"10\":2,\"11\":4,\"12\":0,\"15\":\"Arial\"}\"\u003eunlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e3x\u003c/span\u003eunlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e1% on all other purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard Details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eThe Savor offers travel accident insurance, extended warranty protection, and exclusive access to events through Capital One Dining and Capital One Entertainment\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like this card\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Capital One Savor Cash Rewards Credit Card ensures you get plenty of value out of your card right away with one of the highest earning rates on both dining and groceries for a card with a $0 annual fee.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe appropriately-named Capital One Savor Cash Rewards Credit Card is our favorite foodie card for numerous reasons. For starters, it offers unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services. So whether you’re ordering takeout to watch Hulu at home or you’re sipping margaritas at Madison Square Garden, you’ll be racking up 3X points.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe card also offers 0% intro APR on purchases and balance transfers for 15 months from account opening (after that, the variable APR will be 19.74%-29.74%) and a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time. It’s not a half-bad travel card, either, since there is a 0% foreign transaction fee, Travel Accident Insurance is included and you’ll get 50% off handcrafted beverages at all 55 Capital One Café locations nationwide.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll told, those are better food-related benefits than most premium rewards cards can offer, and the Savor Cash Rewards card has a $0 annual fee.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more info on the \u003ca href=\"https://fortune.com/recommends/credit-cards/capital-one-savor-one-cash-rewards-review/\"\u003eSavor Cash Rewards card\u003c/a\u003e check out our full review.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/credit-card-points-vs-miles-vs-cash-back/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eShould you get a cash-back credit card or a travel credit card?\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGenerous rewards on dining out or eating in\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% foreign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGrocery store category doesn’t include superstores like Walmart and Target\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eStreaming category only includes selected services\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSavor Cash Rewards Card Benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003eGet \u003cspan data-sheets-value=\"{\"1\":2,\"2\":\"unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\"}\" data-sheets-userformat=\"{\"2\":4995,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"10\":2,\"11\":4,\"12\":0,\"15\":\"Arial\"}\"\u003eunlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\u003c/span\u003e, unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services, 1% on all other purchases\u003c/li\u003e\n\n\n\n\u003cli\u003eGet a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro APR on purchases and balance transfers for 15 months from account opening (after that, the variable APR will be 19.74%-29.74%)\u003c/li\u003e\n\n\n\n\u003cli\u003e0% foreign transaction fee\u003c/li\u003e\n\n\n\n\u003cli\u003eTravel Accident Insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003e50% off handcrafted beverages at Capital One Café locations nationwide\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003eLearn more: \u003ca href=\"https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/\"\u003eShould you get a cash-back credit card or a travel credit card?\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eWhile $0 annual fee cash-back cards can be a valuable tool, many are not ideally suited for travel as they charge a foreign transaction fee. If you travel internationally, consider a cash back card from Capital One as none of its cards have them. \u003ca href=\"https://fortune.com/author/dia-adams/\"\u003e\u003cem\u003eDia Adams, Senior Editor\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bluecash\"\u003eBest for groceries: Blue Cash Preferred® Card from American Express\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and a generous $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months. The card’s $95, but it may still be worth keeping since 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) is $360 each year.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 class=\"card-title\"\u003eBlue Cash Preferred® Card from American Express\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26687221\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eSee Rates and Fees\u003c/a\u003e\u003c/p\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch4\u003eIntro Bonus\u003c/h4\u003e\r\nEarn $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% offer\u003c/td\u003e\r\n\u003ctd\u003e0% introductory APR for the first 12 months\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\" data-tooltip=\"0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\"\u003e \u003c/div\u003e\r\n\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer offer\u003c/td\u003e\r\n\u003ctd\u003e0% intro APR on balance transfers for 12 months\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"0% intro APR on balance transfers for 12 months from the date of account opening on requests within 60 days of account opening (after that, the variable APR will be 18.49% - 29.49%)\" data-tooltip=\"0% intro APR on balance transfers for 12 months from the date of account opening on requests within 60 days of account opening (after that, the variable APR will be 18.49% - 29.49%)\"\u003e \u003c/div\u003e\r\n\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e$5 or 3% of the amount of each transfer, whichever is greater\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0 intro annual fee for the first year, then $95\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e18.49% - 29.49% Variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26687182\u0026amp;tid=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857987 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=300\" alt=\"\" width=\"300\" height=\"190\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26687182\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView Offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch4 class=\"card-rates-title\"\u003eReward Rates\u003c/h4\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e6%\u003c/span\u003eEarn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e6%\u003c/span\u003eEarn 6% cash back on select U.S. streaming subscriptions\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003eEarn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1%\u003c/span\u003eEarn 1% cash back on other eligible purchases\u003c/li\u003e\r\n\u003cli\u003eCash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard Details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eThe Blue Cash Preferred card comes with added car rental loss and damage insurance and a Disney+ bundle credit.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26687182\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003eModern rewards cards tend to offer cash back on a mix of absolute essentials (e.g. groceries) but also nice-to-haves like dining and airfare. But sometimes, you just want maximum cash back on basic needs, and that’s where the Blue Cash Preferred® Card from American Express shines.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor starters, you’ll get an astounding 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) which tops out at $360. You’ll also get 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and the card offers a $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months to further put a dent in your overall budget for essentials.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe key drawback to the Amex Blue Cash Preferred is the $0 intro annual fee for the first year, then $95 after year one. But if you’re currently spending $500 a month on groceries and $250 on gas, your total cash back within those categories alone would amount to $450 per year alone.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMassive rewards potential on groceries and gas\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eSolid $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e$0 intro annual fee for the first year, then $95\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGrocery and gas categories don’t include superstores (e.g. Costco, Walmart)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e2.7% of each transaction after conversion to U.S. dollars\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAmex Blue Cash Preferred benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 intro annual fee for the first year, then $95\u003c/li\u003e\n\n\n\n\u003cli\u003e6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% cash back on other eligible purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e$250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months\u003c/li\u003e\n\n\n\n\u003cli\u003e0% introductory APR on purchases and balance transfers for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\u003c/li\u003e\n\n\n\n\u003cli\u003e$84 Disney Bundle Credit\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eReturn protection\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eTo view rates and fees of the Blue Cash Preferred® Card from American Express see \u003ca href=\"https://oc.brcclx.com/t?lid=26687221\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003ethis page\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"rise\"\u003eBest cash back card for people new to credit: Chase Freedom Rise® credit card\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you\u0026#8217;re worried about qualifying for this card with little to no credit, know that the Chase Freedom Rise® is designed for those who are new to managing credit.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Freedom Rise®\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn a \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"$25 statement credit after signing up for automatic payments within the first three months of opening your account. (With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.\"}\" data-sheets-userformat=\"{\"2\":11203,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"9\":0,\"10\":2,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e$25 statement credit after signing up for automatic payments within the first three months of opening your account (with automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time)\u003c/span\u003e\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMy Chase Plan Fee\u003c/td\u003e\r\n\u003ctd\u003e1.72%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eForeign Transaction fee\u003c/td\u003e\r\n\u003ctd\u003e3% of the amount of each transaction in U.S. dollars\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e26.49% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3848225 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\u003cdiv id=\"content0-2a505de1-53b3-4f69-8e9d-be2c55f6a426\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-2a505de1-53b3-4f69-8e9d-be2c55f6a426\"\u003eChase Freedom Rise® is a great starter credit card that allows those who are new to managing credit build a good score and earn rewards on their spending.\u003c/div\u003e\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1.5x\u003c/span\u003e Unlimited 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard Details\u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Cell phone insurance, car rental insurance\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e For those who are new to credit, the ideal “starter card” will a) be easy to get, b) encourage responsible spending and c) offer a clear pathway to a full-fledged rewards card. The Chase Freedom Rise® card manages to offer all three features, and amazingly, includes cash back rewards and a welcome bonus to boot.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo start things off, Chase hints that you can “improve your likelihood of approval” by having at least $250 in your Chase checking account(s), so the application criteria are relatively straightforward. Once you’re approved, the card instantly encourages healthy spending by offering $25 statement credit after signing up for automatic payments within the first three months of opening your account and automatically evaluating you after year one for a Chase Freedom Unlimited card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eUntil then, you’ll still be getting 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back) as you monitor and build your credit. You won’t have to worry about a lack of consumer protection, either, since the Freedom Rise comes loaded with purchase protection, extended warranty protection and even Trip Cancellation/Interruption insurance. All told, it’s a shockingly robust and rewarding card for newbies\u003c/p\u003e\n\n\n\n\u003cp\u003eTo dig deeper, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-freedom-rise-credit-card-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eFreedom Rise review\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGreat for building credit\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns rewards\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e3% of the amount of each transaction in U.S. dollars foreign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eStrongly encourages banking relationship with Chase to be approved\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Freedom Rise benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003eHaving $250 in Chase checking account(s) increases likelihood of approval\u003c/li\u003e\n\n\n\n\u003cli\u003e1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back)\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on Lyft\u003c/li\u003e\n\n\n\n\u003cli\u003e$25 statement credit after signing up for automatic payments within the first three months of opening your account\u003c/li\u003e\n\n\n\n\u003cli\u003e3 months of complimentary DashPass plus 50% off for the rest of the year\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption Insurance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-credit-card/\"\u003eA beginner\u0026#8217;s guide to credit cards\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eIs there a Chase Student credit card?\u0026nbsp;\u003c/h3\u003e\n\n\n\n\u003cp\u003eUnlike some of its competitors, Chase does not offer a dedicated student credit card like the Discover it® Student Cash Back or the BankAmericard® for Students. Instead, the bank treats the Chase Freedom Rise card as its premier credit-building card for anyone who’s new to building and managing credit,\u0026nbsp; including students, folks who are new to the U.S. and more.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eEven though the Chase Freedom Rise doesn’t have the word “student” in its name, it’s still well-suited for anyone with a .edu email address. As mentioned above, it’s just a stellar credit-building card overall since it offers 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back), numerous credit-building tools, free DashPass, 5X on Lyft and even a $25 statement credit after signing up for automatic payments within the first three months of opening your account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSure, it heavily implies that you need $250 in a Chase account before applying \u0026#8211; but joining the Chase ecosystem as a student isn’t such a bad thing given the bank’s \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/#:~:text=Chase%20Ultimate%20Rewards%20points%20never,the%20Pay%20Yourself%20Back%20feature).\"\u003eexcellent rewards program\u003c/a\u003e and long list of rewards cards to apply for post-graduation.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eI’m often tempted by the Pay with Points option at checkout, but unless I’m getting more than a penny-per-point in value, I never do it. It’s better to pay with a card like the Chase Freedom Rise and get 1.5% back than to Pay with Points and get less than a penny back per point. \u003ca href=\"https://fortune.com/author/chris-butsch/\"\u003eChris Butsch, Fortune contributor\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"quicksilver\"\u003eBest cash back card for bad credit: Capital One Quicksilver Secured Cash Rewards Credit Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Capital One Quicksilver Secured Cash Rewards Credit Card is an excellent choice for anyone looking to rebuild their credit thanks to its generous rewards and general lack of hidden fees. Sure, its $200 minimum security deposit isn’t the lowest we’ve seen, but the card’s 1.5% cash back on every purchase more than makes up for it.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eCapital One Quicksilver Secured Cash Rewards Credit Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eWho is this card good for?\u003c/h5\u003e\r\nThe Capital One Quicksilver Secured card is good for those who are rebuilding from poor or fair credit and want a card that earns rewards with no foreign transaction fee.\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPR\u003c/td\u003e\r\n\u003ctd\u003e29.99% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSecurity deposit\u003c/td\u003e\r\n\u003ctd\u003e$200–$1,000 to $3,000 (depending on your creditworthiness)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3848376 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg\" alt=\"\"/\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048271\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e\r\n\r\n\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003eUp until recently, secured cards and rewards cards were two totally separate products. The former lacked any sort of rewards at all, meaning anyone who took, say, a full year to rebuild their credit would be missing out on some serious cash back.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThankfully that all changed, and we now have cards like the Capital One Quicksilver Secured Cash Rewards Credit Card which offers a blanket 1.5% cash back on all other purchases. There’s a $0 annual fee, of course, and the card doesn’t even charge any foreign transaction fees. That’s a bigger deal than it sounds, because if you travel overseas while you’re rebuilding your credit, saving 3% on every single transaction will add up quickly.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe card does require a minimum $200 security deposit \u0026#8211; which certainly isn’t the lowest we’ve seen (the Platinum Secured Credit Card from Capital\u0026nbsp;One goes as low as $49 depending on your creditworthiness), but provided you don’t mind locking up that much cash, you’ll enjoy 1.5% cash back on every purchase until you rebuild your credit enough to apply for a bonafide Capital One rewards card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/capital-one-quicksilver-secured-cash-rewards-credit-card-earn-first-rate-cash-back-while-building-credit/\"\u003efull review of the Capital One Quicksilver Secured card\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMinimum of 1.5% cash back on every purchase\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eAutomatic credit line review in as few as six months\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eOpportunity to upgrade to an unsecured card\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eRequires a security deposit\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHigh APR\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is a secured credit card?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you’re new to the concept of a “secured” credit card, here’s how they work.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn a nutshell, a secured credit card is a special type of credit card that requires a refundable cash deposit, just like an apartment. In most cases, the deposit acts as your credit limit. So if you choose to make the minimum security deposit of $200, that’s the most you can spend. Then, if you fail to make on-time payments, your bank simply keeps your security deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThat virtually eliminates the risk for the bank, which is why they’re willing to provide secured credit cards to borrowers with fair to poor credit. The benefit to the cardholder is that the bank reports your payment history to the three major credit bureaus, meaning on-time payments will raise your credit score over time.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll told, secured credit cards are great win-win inventions: They enable banks to offer credit cards to borrowers who may lack the credit score for a traditional rewards card, while also giving the borrower a way to earn rewards while rebuilding their credit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo learn more, check out our running list of \u003ca href=\"https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/\"\u003ethe best secured credit cards\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCapital One Quicksilver Secured card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e1.5% cash back on every purchase\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 refundable minimum deposit (based on creditworthiness)\u003c/li\u003e\n\n\n\n\u003cli\u003eForeign transaction fee: None\u003c/li\u003e\n\n\n\n\u003cli\u003eAccount alerts, autopay, recurring transaction tracking\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"doublecash\"\u003eBest cash back card for fair credit: Citi® Double Cash Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eAs the name implies, the Citi® Double Cash Card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. You’ll also get a $200 cash back when you spend $1,500 on purchases within the first 6 months, 0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness), and amazingly, the card accepts fair credit to boot.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eCiti® Double Cash Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months and get an 18-month 0% introductory APR on balance transfers\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e18 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.24%–29.24% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3819638\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png\" /\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e \r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e \r\n\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e \r\nWhile many rewards cards have rotating spending categories you need to track and activate, the Citi® Double Cash Card offers a simple reward structure. You\u0026#8217;ll earn a cool 2% cash back on every purchase with no caps on how much you can earn, so it\u0026#8217;s an excellent no-fee credit card for those who value simplicity. The balance transfer rate provides a cherry to this already attractive sundae.\r\n \r\n\r\n\u003c/ul\u003e \r\n\r\n\u003c/div\u003e \r\n\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" \" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e Unlimited 2% cash back on every purchase—1% at the time of the transaction and 1% when you pay your credit card bill.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard Details\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: ID theft protection, pay over time with a Citi Flex Pay Plan\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eForeign transaction fee: 3%\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e Originally launched in 2014, the Citi® Double Cash Card was one of the first rewards cards to offer a net 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Clearly that’s a bar that’s hard to reach, since very few cards have matched it in the decade since (with one exception being our overall top pick, the Wells Fargo Active Cash® Card card).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut unlike the Active Cash card, the Citi Double Cash card actually doubles as a superb credit-building card. For starters, it splits up the 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases which encourages you to continue making on-time payments. Plus, you’ll get a $200 cash back when you spend $1,500 on purchases within the first 6 months and 0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness), both of which can help you clear out past credit card debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFinally, despite offering excellent cash back rewards, the Citi Double Cash card doesn’t require excellent credit to apply. Citi doesn’t publish the required FICO score for each of its credit scores, but numerous sources indicate that the card accepts fair (580+) or better credit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile it does charge a foreign transaction fee and the card is light on perks in general, the Citi Double Cash card’s 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases and low credit requirement make it an overall superb choice for credit-building.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more details, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/citi-double-cash-card-review/\"\u003eCiti Double Cash Card review\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns rewards\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e3% of each purchase transaction in U.S. dollars foreign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eLimited perks\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is fair credit?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIn order to define “fair” credit, let’s first recap how credit works in the first place.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you borrow money, make payments, take out multiple loan types (e.g. mortgage, credit card) and more, all of that “borrower” activity is reported to the three major credit bureaus: Equifax, Experian and TransUnion. Those companies then crunch the numbers and assign you a credit score, which is like a GPA (grade point average) for borrowers.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSince all three bureaus calculate credit a little differently, a company called FICO came along in 1989 and mushed all three together into a FICO score, which is what 90% of top lenders use today.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAs for where the term “fair” came along, FICO scores are grouped into five buckets:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u0026lt;580 = Poor\u003c/li\u003e\n\n\n\n\u003cli\u003e580 \u0026#8211; 669 = Fair\u003c/li\u003e\n\n\n\n\u003cli\u003e670 \u0026#8211; 739 = Good\u003c/li\u003e\n\n\n\n\u003cli\u003e740 \u0026#8211; 799 = Excellent\u003c/li\u003e\n\n\n\n\u003cli\u003e800+ = Exceptional\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eAccording to Equifax, borrowers with Fair credit are considered “subprime” and “high-risk” to lenders, but that doesn’t necessarily mean you can’t get a loan. For more info, check out \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-fair-credit/\"\u003eWhat is fair credit, and what does it mean if you have it?\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCiti Double Cash benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on select Citi Travel bookings\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 cash back when you spend $1,500 on purchases within the first 6 months\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness)\u003c/li\u003e\n\n\n\n\u003cli\u003eCiti Entertainment, Digital Wallets and more\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"customer\"\u003eBest for customer experience: Discover it® Cash Back\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Discover it® Cash Back card offers 5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), a unique welcome bonus that doubles your total cash back for the first year and 25 slick card designs to choose from. Discover also scores high marks for customer service and the companion app is well-rated in both the App Store and Google Play.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/\"\u003eDiscover it Cash Back\u003c/a\u003e\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\nGet an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer\" data-tooltip=\"3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer\"\u003e \u003c/div\u003e\r\n\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e17.24%–28.24%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png\" alt=\"\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e 5% on quarterly rotating categories up to $1,500 per quarter, then 1%\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e 1% on all other purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Online privacy protection, SSN monitoring and alerts\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eForeign transaction fee: None\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eLearn more \u003c/a\u003e\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e The Discover it® Cash Back card offers 5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), 0% introductory APR for 15 months from account opening (after that, the variable APR will be 17.24%–28.24%) on purchases and balance transfers (plus a low balance transfer fee—3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer.) and it even allows you to choose from 25 slick and unique card designs ranging from a rainbow to the Manhattan skyline.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou’ll also get a unique welcome bonus in the form of Discover’s Unlimited Cashback Match. Whatever you earn in the first year, Discover will double it with no limits. So if you earn the maximum $75 cash back on up to $1,500 in spending each quarter, that’s $300 total for the year, which Discover will then double for a total of $600.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut no amount of cash back and cool designs would be worth it if the bank didn’t support its customers, and thankfully, Discover has that box checked. In J.D. Power’s 2023 U.S. Direct Banking Satisfaction Study, Discover ranked #2 overall \u0026#8211; right behind Charles Schwab, but well above all other major card issuers. Discover’s 24/7 customer support team is also 100% U.S.-based, and the bank’s smartphone app ranks 4.9 stars in the App Store and 4.5 stars in the Play Store.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSo if you’re looking for a card with high rewards potential and excellent customer support when you need it, the Discover it Cash Back is our top choice.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more with our \u003ca href=\"https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/\"\u003eDiscover it Cash Back card review\u003c/a\u003e and dig deeper into \u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-make-the-most-of-your-5-percent-cash-back-credit-cards/\"\u003ehow to use a 5% cash-back card\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEasy-to-earn welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns up to 5% cash back\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMust activate bonus categories every quarter\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e5% categories are capped\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDiscover it Cash Back card benefits\u003c/h3\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eDiscover it Cash Back card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), 1% cashback on all other eligible purchases\u003c/li\u003e\n\n\n\n\u003cli\u003eUnlimited Cashback Match for the first year\u003c/li\u003e\n\n\n\n\u003cli\u003eDiscover and the Discover Apps rank earn high marks for customer service\u003c/li\u003e\n\n\n\n\u003cli\u003e25 card designs to choose from\u003c/li\u003e\n\n\n\n\u003cli\u003eFree overnight shipping for lost cards\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eBefore I apply for a new rewards card, I always look to see if they have a referral bonus. Then, I poke my friends to see if anyone can send me a referral link–even if it only benefits their account and not mine. \u003ca href=\"https://fortune.com/author/chris-butsch/\"\u003e\u003cem\u003eChris Butsch, Fortune contributor\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"big-ticket\"\u003eBest for big-ticket purchases: U.S. Bank Cash+® Visa Signature® Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe U.S. Bank Cash+® Visa Signature® Card has a somewhat complex rewards structure that requires some planning and strategy, but once it clicks, you can easily save 5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter). A generous 0% introductory APR on purchases for the first 15 billing cycles, 19.74%–29.74% variable APR thereafter, $250 rewards bonus if you spend $1,000 on eligible purchases in the first 90 days and $0 fees for ExtendPay plans can also help you finance a major purchase.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eU.S. Bank Cash+ Visa Signature\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\nEarn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.49% to 29.74%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg\" alt=\"\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e\r\n5% cash back on two choice categories\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e\r\n5% cash back on travel booked directly through U.S. Bank\u0026#8217;s Travel Center\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e\r\n2% cash back on one everyday category\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e\r\n1% on all other purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- panel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003ePros and Cons \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\u003cstyle\u003e\r\n\t\t\t\t\tN/A\u003cbr /\u003e\t\t\t\t\u003c/style\u003e\r\n\u003cdiv class=\"pros_cons\"\u003e\r\n\u003cdiv\u003e\r\n\u003ch3\u003ePros\u003c/h3\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eNo annual fee\u003c/li\u003e\r\n \t\u003cli\u003eEasy-to-earn welcome bonus\u003c/li\u003e\r\n \t\u003cli\u003eEarns up to 5% cash back\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003cdiv\u003e\r\n\u003ch3\u003eCons\u003c/h3\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eForeign transaction fee\u003c/li\u003e\r\n \t\u003cli\u003eManaging categories can be confusing\u003c/li\u003e\r\n \t\u003cli\u003e5% and 2% categories are capped\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\n\r\n\u003cul\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eAdditional perks: Extended payment plan\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eForeign transaction fee: 3%\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eLearn more \u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e While the U.S. Bank Cash+® Visa Signature® Card has one of the most complex rewards structures we’ve ever seen, once you understand how it all works you realize the card is excellent for financing big retail purchases.\u0026nbsp; \u003c/p\u003e\n\n\n\n\u003cp\u003eTo start, the card offers 5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter). The options are:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eFast food\u003c/li\u003e\n\n\n\n\u003cli\u003eHome utilities\u003c/li\u003e\n\n\n\n\u003cli\u003eTV, internet and streaming\u003c/li\u003e\n\n\n\n\u003cli\u003eDepartment stores\u003c/li\u003e\n\n\n\n\u003cli\u003eCell phone\u003c/li\u003e\n\n\n\n\u003cli\u003eElectronic stores\u003c/li\u003e\n\n\n\n\u003cli\u003eSporting goods stores\u003c/li\u003e\n\n\n\n\u003cli\u003eGyms/fitness centers\u003c/li\u003e\n\n\n\n\u003cli\u003eGround transportation\u003c/li\u003e\n\n\n\n\u003cli\u003eMovie theaters\u003c/li\u003e\n\n\n\n\u003cli\u003eFurniture stores\u003c/li\u003e\n\n\n\n\u003cli\u003eSelect clothing stores\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eWhile the absence of any airlines or hotels is a bummer for travelers, getting 5% cash back on home utilities, big electronics (e.g. laptops, TVs) or furniture each quarter could be a big money-saver for families and homeowners. You’ll also get 2% cash back on one everyday category, such as gas stations or grocery stores and 1% cash back on all other eligible purchase.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen it comes to financing your big purchase, the Cash+ card also offers 0% introductory APR on balance transfers for the first 15 billing cycles, 19.74%–29.74% variable APR thereafter on purchases and balance transfers. The card also waives your fee for opening an ExtendPay Plan within 60 days, which allows you to finance your big purchase in fixed, zero-interest monthly installments. Toss in a $250 rewards bonus if you spend $1,000 on eligible purchases in the first 90 days, and you’ve got a cash back rewards card that massively rewards anyone who overcomes its learning curve.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo dig deeper, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/us-bank-cash-plus-visa-signature-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eU.S. Bank Cash+ card review\u003c/a\u003e. \u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eIntroductory 0% APR\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCompetitive rewards rate\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eRequires more time and effort to manage rewards\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHighest rewards rate is capped at $2,000 in combined quarterly purchases\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eU.S. Bank Cash+ Card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter)\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on online shopping purchases made through the Rewards Center or the Rewards Center browser extension\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on prepaid travel booked through the Rewards Center\u003c/li\u003e\n\n\n\n\u003cli\u003e2% cash back on one everyday category, such as gas stations or grocery stores\u003c/li\u003e\n\n\n\n\u003cli\u003e1% cash back on all other eligible purchase\u003c/li\u003e\n\n\n\n\u003cli\u003e0% introductory APR on purchases and balance transfers for the first 15 billing cycles,19.74%–29.74% variable APR thereafter on purchases and balance transfers\u003c/li\u003e\n\n\n\n\u003cli\u003e$0 fee on ExtendPay Plans opened within 60 days\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003eLearn more: \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-0-apr-credit-card/\"\u003eWhat is a 0% APR credit card, and why should you care?\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bluebuscash\"\u003eBest small business cash back card: American Express Blue Business Cash™ Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eRather than force you into restrictive, mostly old-school rewards categories like “office supplies” and “cable,” the American Express Blue Business Cash™ Card simply offers 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%). \u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, enjoy a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months, and a 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%. Toss in a handy box of expense-tracking tools and you have a superb and highly flexible small business rewards card.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eAmerican Express Blue Business Cash™ Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\n$250 statement credit after you make $3,000 in purchases on your card in your first 3 months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% intro offer\u003c/td\u003e\r\n\u003ctd\u003e0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e17.74%–25.74% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26687203\u0026#038;tid=3700969\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3850829 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png\"/\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26687203\u0026#038;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion four-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%), with no annual fee, making it lucrative for small businesses. However, businesses exceeding the $50,000 spending cap per calendar year will earn a reduced cashback rate of 1% on the remainder, and it may offer fewer perks compared to some other business credit cards.\r\n \u003c/div\u003e\r\n\r\n\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eReward Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)\u003c/li\u003e\r\n\u003cli\u003e\u003cem\u003eTo view rates and fees of American Express Blue Business Cash™ Card, see \u003ca href=\"https://oc.brcclx.com/t?lid=26687216\u0026#038;tid=3700969-90\" target=\"_blank\" rel=\"noopener nofollow\"\u003erates and fees.\u003c/a\u003e\u003c/em\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard Details \u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAbility to spend beyond credit limit\u003c/li\u003e\r\n\u003cli\u003ePurchase protection\u003c/li\u003e\r\n\u003cli\u003eFree employee cards\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"href=\"https://oc.brcclx.com/t?lid=26687203\u0026#038;tid=[dynamic]post-id[/dynamic]-89\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e For years, business rewards cards tended to offer rewards that were, for lack of a better term, “old school.” You might get 3X on office supplies, cable bills and shipping, and for a medium-sized business in a traditional office setting, those rewards categories might work out just fine.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut most small businesses need far more flexible rewards, which is why we like how the Amex Blue Business Cash card does things. You’ll simply get 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%) plus a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months. Sure, the 2% only applies to the first $50,000 in spending each year (it drops to 1% thereafter), but most small businesses with fewer than 10 employees probably won’t reach that limit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd those that really do spend $50,000+ each year can always pair the Blue Business Cash with a \u003ca href=\"https://fortune.com/recommends/credit-cards/best-business-credit-cards/\"\u003epremium-tier business rewards card\u003c/a\u003e for maximum rewards.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCircling back to the Blue Biz Cash, we also like how the card comes with 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% \u0026#8211; which can essentially act as a free small business loan \u0026#8211; and an Expanded Buying Power feature which allows you to spend beyond your credit limit and adds the surplus to your minimum payment next month. * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.\u003c/p\u003e\n\n\n\n\u003cp\u003eLast but certainly not least, the card also comes with a litany of helpful accounting tools like QuickBooks integration, Vendor Pay by Bill.com and a detailed Year-End Summary. It may lack travel rewards or 3X categories, but for straightforward cash back, it’s the business rewards card to beat.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/american-express-blue-business-cash-review-maximize-business-spending-with-2-cash-back-rewards-and-no-annual-fee/\"\u003eAmex Blue Business Cash card review\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers a lucrative welcome bonus for a cash back card\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHas a high spending requirement to earn the full welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eAll spending after $50,000 per calendar earns just 1% cash back\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCar rental loss and damage insurance coverage is only secondary\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAmex Blue Business Cash Card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)\u003c/li\u003e\n\n\n\n\u003cli\u003e$250 statement credit after you make $3,000 in purchases on your card in your first 3 months\u003c/li\u003e\n\n\n\n\u003cli\u003eEmployee cards at no extra cost\u003c/li\u003e\n\n\n\n\u003cli\u003eQuickBooks integration\u003c/li\u003e\n\n\n\n\u003cli\u003eVendor Pay by Bill.com\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp id=\"16\"\u003e\u003cem\u003eTo view rates and fees of the American Express Blue Business Cash™ Card see \u003ca href=\"https://oc.brcclx.com/t?lid=26687216\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003ethis page\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"InkBusUnlimited\"\u003eBest business cash back card for large purchases: Ink Business Unlimited® Credit Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Ink Business Unlimited® Credit Card is an excellent card for financing a big business purchase since it offers unlimited 1.5% cash back on every purchase, extended warranty and purchase protection and an unheard-of $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 class=\"card-title\"\u003eInk Business Unlimited® Credit Card\u003c/h3\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch4\u003eIntro bonus\u003c/h4\u003e\r\nEarn $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening. Plus 0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e17.99%–23.99% variable APR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113\u0026#038;src=692824\u0026#038;var2=3700969\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3791969 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png\" alt=\"\"/\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e \r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eOur Take\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nWhile some cards boast higher cash back rates than the Chase Ink Business Unlimited® Credit Card, the higher rate typically applies to certain categories, and they have monthly or quarterly caps. By contrast, the Chase Ink Business Unlimited® Card—true to its name—offers unlimited 1.5% cash back on every purchase you make for your business.\u003c/div\u003e\r\n\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e Rewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch4 class=\"card-rates-title\"\u003eRewards Rates\u003c/h4\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eEarn unlimited 1.5% cash back on every purchase.\u003c/li\u003e\r\n\u003cli\u003eGet 5% cash back on Lyft rides through March 2025.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e Card details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\u003cli\u003eUnited perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card\u003c/li\u003e\r\n\u003cli\u003eAdditional perks: Free employee cards, purchase protection, auto rental collision damage waiver, extended warranty\u003c/li\u003e\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e \r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e On paper, the Ink Business Unlimited® Credit Card appears to fall short of the Amex Blue Business Cash card since it offers unlimited 1.5% cash back on every purchase to the latter’s 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%). But the Chase card has two big tricks up its sleeve that give it a major edge and make it the superior choice for big purchases.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor starters, the Ink Business Unlimited card offers a staggering $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening, which is simply unheard of for a rewards card charging a $0 annual fee. To provide some perspective, the Chase Sapphire Reserve card offers a welcome bonus of “just” 60,000 points \u0026#8211; and that card has a $550 annual fee.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe caveat is that you have to spend $6,000 within three months to earn it, but if you have a big purchase coming up, the spending requirement shouldn’t be too hard to reach. Plus, if you make a big purchase on your Ink Business Unlimited card, it’ll automatically be enshrouded in both Purchase Protection (up to $10,000 per claim) and Extended Warranty Protection, provided the manufacturer’s warranty period is three years or less.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOnce you earn your 75,000-point welcome bonus, the Ink Business Unlimited card’s second big trick comes into play. If you read the section of this article on “How to combine Ultimate Rewards points” above, you’ll know that you can move Chase Ultimate Rewards points from one card to another where they suddenly have more value. Specifically, you could move your 75,000-point welcome bonus to your Chase Sapphire Preferred account where it’s worth $937.50 in travel redemption \u0026#8211; or your Chase Sapphire Reserve account where it’s worth an eye-watering $1,125.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSo when you consider the unlimited 1.5% cash back on every purchase, 0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%), extensive purchase protection and insane welcome bonus, you can see how the Ink Business Unlimited is an excellent choice for the small business owner with a big expense coming up.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnlimited flat cash back rate\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCar rental protection\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCharges foreign transaction fees\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eLimited travel benefits\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo balance transfer\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCan you get a business card with a side hustle?\u003c/h3\u003e\n\n\n\n\u003cp\u003eYes.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo expand on that a bit, one of the most frequently-asked questions about business rewards cards is: what exactly do you need to apply for one? Do you need a legally registered LLC? An S Corporation? A picture of yourself on the cover of Fortune Magazine?\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe answer is: none of the above. In fact, most of the time you don’t need a “business” in the traditional sense at all. Many business rewards cards, the Chase Ink Business Unlimited included, allow you to apply as a sole proprietor by using your full legal name and SSN. So yes, you can get a business card with a side hustle.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOnce you get your business rewards card, one thing to keep in mind is that most cardmember agreements require you to use the card—and even the points you earn with it—for business purposes only. And technically speaking, any violation of your cardmember agreement can be grounds for terminating your account (and all of your points with it).\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile we’ve rarely heard of anyone having their business card account terminated for mixing in personal expenses, you may still want to keep business and personal expenses separate to make tracking your budget and filing your taxes much easier come April.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eChase Ink Business Unlimited Card benefits\u003c/h3\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Ink Business Unlimited Card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003eGet unlimited 1.5% cash back on every purchase\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on Lyft rides through March 2025\u003c/li\u003e\n\n\n\n\u003cli\u003e$750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening\u003c/li\u003e\n\n\n\n\u003cli\u003e0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)\u003c/li\u003e\n\n\n\n\u003cli\u003eEmployee cards at no extra cost\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended Warranty protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"What-is-a-cash-back\"\u003eWhat is a cash back credit card?\u003c/h2\u003e\n\n\n\n\u003cp\u003eA cash back credit card is a type of credit card that allows users to earn a percentage of their spending back in the form of cash rewards. Depending on the card, cash back rewards can be a flat rate (e.g., 1.5% on all purchases) or can vary by purchase category (e.g., 3% on dining, 2% on groceries, and 1% on all other purchases). Some cards may also offer promotional periods with higher cash back percentages or bonuses for spending certain amounts within a specified timeframe. \u003ca href=\"https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/\"\u003eLearn more about how cash back cards work\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"cash-back-credit-card\"\u003eCan you get cash back with a credit card?\u003c/h2\u003e\n\n\n\n\u003cp\u003eYes many credit cards offer cash back, where you earn a percentage of your purchases back as a reward. For example, a card might offer 1% cash back on all purchases. If you spend $100, you\u0026#8217;d earn $1 back in rewards.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOver time, these rewards add up and can be redeemed in various ways, such as a statement credit, check, or deposit into a bank account. However, it\u0026#8217;s essential for cardholders to be aware of any potential annual fees, interest rates, and reward expiration or limitations to ensure they maximize the benefits while minimizing costs.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose a cash back credit card\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo find the right cash back credit card for maximum rewards, start by asking yourself a few pertinent questions:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eWhat is my credit score? \u003c/strong\u003eMore than anything else, your credit score will dictate which cash back cards you can apply for. If your credit score is below 670, you may want to start with a credit-building cash back card like the Capital One Quicksilver Secured or Chase Freedom Rise.\u003cbr\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eHow much do I plan to put on a credit card each month? \u003c/strong\u003eThis oft-overlooked question helps to ensure that you’ll actually earn your welcome bonus. To illustrate, if you only plan to put ~$500 per month on your new cash back card, you probably shouldn’t apply for a card that requires $6,000 worth of spending within three months to earn its welcome bonus. \u003cstrong\u003e\u003cbr\u003e\u003c/strong\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWhat purchase categories (e.g. dining, airfare, gas, groceries) do I spend the most on? \u003c/strong\u003eIt’s always better to make the card fit your spending habits than the other way around. Once you determine where you’re spending the most each month (travel? Groceries? Eating out?) you can find the right cash back card to maximize your rewards. If you don’t really have any big spending categories, a flat rate cash back card might be ideal. \u003cstrong\u003e\u003cbr\u003e\u003c/strong\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDo I need multiple cash back cards? \u003c/strong\u003eFinally, it’s worth remembering that it’s totally fine, and frankly, quite advantageous, to have multiple cash back cards in your wallet. The Chase Trifecta (detailed above) is a great example of how multiple cards can work together in tandem for maximum rewards on virtually every purchase. Just keep in mind that applying for multiple cards at once will definitely impact your credit, \u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-build-and-improve-your-credit-score/\"\u003ebut we can help you rebuild it\u003c/a\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003ePros and cons of cash back credit cards\u003c/h2\u003e\n\n\n\n\u003cp\u003eOn paper, a credit card that pays you to use it seems like a pretty flawless invention. Still, cash back cards aren’t perfect and there are numerous caveats to consider before applying for one.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHere’s a quick recap of things to like—and things to consider—about today’s cash back credit cards.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cb\u003eNo annual fee: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eMost cash back rewards cards charge no annual fee. Those that do, like the Chase Sapphire Preferred, typically offer elevated rewards and welcome bonuses to compensate.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003eUp to 2% cash back on all purchases: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eBoth the Wells Fargo Active Cash and Citi Double Cash cards offer net 2% cash back on all purchases, among others.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003e0% intro APR: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf a cash back rewards card charges no annual fee, there’s a good chance it offers 0% APR on purchases and/or balance transfers for 12+ months as well. That means you can finance a medium-sized purchase or \u003c/span\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-balance-transfer/\"\u003e\u003cspan style=\"font-weight: 400;\"\u003epay off old credit card debt\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e interest free for a limited period of time.\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cb\u003eHigh credit requirement: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe best cash back rewards cards typically require a FICO score of 670 or higher. There are cards out there specifically dedicated to helping you build (or rebuild) credit, but their perks and rewards typically aren’t as robust as a full-fledged rewards card.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003eExtremely high regular APR: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eOnce your 0% APR period runs out, the regular APR on these cards can range anywhere from ~18% to 29.99%. While that may sound normal for a credit card, it’s still extremely high for any type of loan. For context, the average APR on a personal loan was 12.49% in February 2024 according to Credible.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003ePoints vs. cash back can be confusing: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome cash back cards generate rewards points (e.g. Chase Freedom Flex/Unlimited) while others generate straight cash back (e.g. Amex Blue Business Cash). Points are often better since you tend to have more redemption options, but not all points are worth a penny each when redeemed for cash (Amex Membership Rewards Points and Capital One Venture Miles are two notorious examples).\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"types\"\u003eTypes of cash back credit cards\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are three main types of cash back credit cards: flat rate, bonus category and rotating category. Here’s a quick recap of how each one works and what it’s best for:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eFlat rate\u003c/h4\u003e\n\n\n\n\u003cp\u003eFlat rate cards like the Wells Fargo Active Cash card offer a standard 1.5% or 2% cash back (or 1.5X to 2X points) on all purchases. Cards like these are handy for maximizing rewards on purchases that don’t fall into other bonus or rotating rewards categories.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThey’re also ideal for setting as your default method of payment in most places, as well as those moments when you reach the register and can’t recall which card you “should” use for maximum rewards. In those moments, shrugging and pulling out your flat rate card is a great way to reduce FOMO, since you’ll have the peace of mind knowing you scored at least 2%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eBonus category\u003c/h4\u003e\n\n\n\n\u003cp\u003eBonus category cards like the Capital One Savor Cash Rewards typically offer 2% to 5% cash back (or 2X to 5X points) on various static rewards categories, plus 1% cash back on everything else. Some of the most common bonus categories you’ll see are dining, gas, travel, entertainment, streaming, drug stores, Amazon and more.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBonus category cards are immensely useful if you’re already spending a lot of money within one of those typical purchase categories. For example, if you’re a foodie who spends $1,000 on dining out each month, a Savor Cash Rewards card instead of a 1.5% flat rate card could net you an extra $180 cash back each year—just enough to cover steak night.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eRotating category\u003c/h4\u003e\n\n\n\n\u003cp\u003eRotating category rewards cards like the Chase Freedom Flex offer 5X or 5% cash back within purchase categories that rotate every quarter (three months) of the calendar year. To illustrate, the Flex currently offers 5X on gas stations, EV charging, select live entertainment and movie theaters from July 1st through September 30, 2024. During Q2 the categories were Amazon.com, Hotels and Restaurants.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eRotating category rewards cards are a great compliment to your flat rate card since they instantly boost your earnings rate on select purchases to 5X while charging no annual fee. While you’ll typically only earn 5X on the first $1,500 of spending each quarter (aka $75 cash back total), that’s still $52.50 per quarter or $210 per year more than you’d earn with a 1.5% cash back card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what\"\u003eWhat is a 0% intro APR?\u003c/h2\u003e\n\n\n\n\u003cp\u003eLet’s break down 0% intro APR piece-by-piece, starting with APR itself.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAPR (Annual Percentage Rate) is a combination of your interest rate plus fees, expressed as a single percentage. The Truth in Lending Act requires lenders to use APR instead of interest rates for transparency \u0026#8211; otherwise, sketchy lenders could lure you in with a low interest rate just to pepper you with hidden loan fees later on.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSince credit cards are forms of unsecured loans, they almost always come with extremely high APRs in the range of 18% to 29.99%. To put those numbers into context, if you have a $5,000 loan at 29.99% APR and are making $125 monthly payments, it’ll take you 27 years and $35,543.53 in interest alone to fully pay off your debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eNeedless to say, credit card interest can quickly spiral out of control, which is why 0% intro APR has become a common perk with today’s credit cards. With 12 or more months of 0% APR, you can carry a balance on your credit card without any interest piling up. Then, as long as you fully pay off your credit card before the 0% APR period ends, you won’t have to pay a dime in interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to new purchases, some cash back cards also offer 0% APR on balance transfers. This means you can move a balance from your old credit card onto your new one (often for an unavoidable 3-5% or $5 min. fee) and then slowly pay it off without additional interest accruing on the balance.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile 0% APR can buy you some time to pay off debt, it’s not without its drawbacks. For one thing, carrying a large credit card balance can still negatively impact your credit score. Plus, if you’re unable to pay off your debt before the 0% intro APR period ends, you’ll be hammered by double-digit APR overnight on the remaining balance, which could send you into spiraling debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut with careful planning and a debt repayment strategy in place, 0% intro APR can be a massively helpful tool. Learn more in our full explainer on \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-apr-on-a-credit-card/\"\u003eAPR and how it works\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"balance-transfer\"\u003eWhat is a balance transfer?\u003c/h2\u003e\n\n\n\n\u003cp\u003eIn a nutshell, a balance transfer is when you take the statement balance from one credit card account and move it to another.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eA balance transfer makes the most sense when you’re moving debt from a card with regular APR to a card with 0% APR so you can save on interest. To put some numbers on the board, let’s say you have a credit card with a $5,000 balance and 27.49% APR. Since you’re only able to make $300 monthly payments, it will take you 22 months and $1,370.26 in interest alone to pay off the balance. Ouch.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlternatively, let’s say you apply for the Citi Double Cash card which offers 0% APR on balance transfers for 18 months. Once you’re approved, you perform a balance transfer of $5,000 for a 3% fee ($150). Sure, the balance transfer fee kinda stings, but consider this: you now have 18 months to pay off your debt without a dime of interest accruing. By making the same $300 monthly payments, you’ll wipe out your debt nearly five months faster and save $1,220.26 total, even after the $150 balance transfer fee.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSince balance transfers have become such a popular form of debt consolidation, there are now numerous credit cards on the market specifically designed to help facilitate balance transfers. Some even offer up to 21 months of 0% APR to help pay off your debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor a list of our top picks, check out \u003ca href=\"https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/\"\u003ethe best balance transfer cards\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"foreign\"\u003eWhat is a foreign transaction fee?\u003c/h2\u003e\n\n\n\n\u003cp\u003eA foreign transaction fee, sometimes abbreviated as FX, is a fee your bank charges if a transaction involves a non-U.S. bank, a foreign currency or both. Foreign transaction fees can range anywhere from 1% to 5% of the transaction amount, but the most typical FX fee you’ll see is 3%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile that may sound like a minor nuisance, FX fees can rapidly add up while you’re traveling and spending overseas. To illustrate, imagine booking a $3,000 hotel in Vienna thinking you’re getting $150 cash back on hotels,\u0026nbsp; when in reality, you get hit with a $90 FX fee instead.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThat’s why having zero foreign transaction fees is a major, borderline essential perk for a cash back card that you plan to use overseas. For the most part, travel rewards cards with an annual fee attached won’t charge you foreign transaction fees, but there’s a rising number of no-fee cards that waive FX fees as well (e.g. the Capital One Savor Cash Rewards card, listed above).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut if you’re traveling next week and there’s no time to get a card with no FX fees, here are two short-term ways to avoid paying them:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003col\u003e\n\u003cli\u003eGrab cash in the U.S. before you leave, and/or\u003c/li\u003e\n\n\n\n\u003cli\u003eAsk one of your travel companions with a travel rewards card if they don’t mind covering your charges provided you PayPal/Venmo them immediately after. While this involves some trust (and probably isn’t appropriate in a professional setting), some travel companions may relish the chance to earn extra points on your transactions.\u003c/li\u003e\n\u003c/ol\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faq\"\u003eFrequently Asked Questions\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre cash back cards a good idea?\u003c/summary\u003e\n\u003ch3 class=\"wp-block-heading\"\u003eAre cash back cards a good idea?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway. However, if you struggle with debt and paying your credit card bill on time, it’s a good idea to avoid credit cards in general.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat credit card gives you 3% back?\u003c/summary\u003e\n\u003cp\u003eThere aren’t any credit cards that provide a flat 3% back across the board. However, several cards offer 3% back in certain spending categories, including the Amex EveryDay® Preferred Credit Card, Bank of America® Customized Cash Rewards Credit Card, and Capital One Savor Cash Rewards.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow do you get 5% cash back on everything?\u003c/summary\u003e\n\u003cp\u003eThere is no cash back card that provides 5% back on all purchases. However, several cards offer 5% cash back on popular spending categories like groceries and gas, including the US Bank Cash+\u0026nbsp; Visa Signature ® Card, Credit One Bank Platinum X5 Visa, and Discover it Cash Back card.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow much is 1.5% cash back on $1,000?\u003c/summary\u003e\n\u003cp\u003eIf you spend $1,000 in eligible purchases on a card that offers 1.5% back, you’d earn $15 in cash back.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs there a downside to cash back?\u003c/summary\u003e\n\u003cp\u003eThere is no downside to earning cash back. However, it’s not a good idea to spend money on a credit card that you can’t afford to pay back just to earn cash back. Missing payments results in late fees and harm to your credit.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eOur methodology\u003cstrong\u003e\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo bring you our top picks for the best cash back credit cards, the Fortune Recommends\u003csup\u003e\u003cfont size=\"1\"\u003eTM\u003c/font\u003e\u003c/sup\u003e team compared approximately 40 cash back rewards cards available from major issuers.\u0026nbsp;To learn more about how we rate credit cards, see our \u003ca href=\"https://fortune.com/fortune-recommends-credit-card-methodology/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003ecredit cards methodology\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eWe ranked each account in these nine core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAnnual fee (10%):\u003c/strong\u003e Some credit cards charge an annual fee, which can range from $50 to several hundred dollars. Usually, the more valuable the rewards and perks associated with a card, the higher the annual fee. However, many cards do not charge a fee at all. Fee-free cards were prioritized in our rankings.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBase rewards rate (15%): \u003c/strong\u003eThis is the minimum amount of cash back awarded on everyday purchases, not considering any specific or rotating categories that may earn a higher rewards rate.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWelcome bonus (15%): \u003c/strong\u003eIt’s common for credit card issuers to entice new customers by offering a bonus when they spend a certain amount of money within a few months after opening an account.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e0% APR intro term (15%): \u003c/strong\u003eAnother feature that some card issuers offer to attract new business is an introductory period when the APR is 0%, meaning you won’t accrue any interest charges on purchases or balance transfers during this time (though balance transfers may be subject to fees). After this period, the interest rate reverts to the regular purchase APR on new charges.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePurchase APR (20%):\u003c/strong\u003e We examined the lowest available rate (10%) and highest available rate (10%) on regular purchases. (The exact interest rate you’re offered within that range will depend on your individual credit and financial profile).\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eForeign transaction fee (5%): \u003c/strong\u003eSome credit cards charge a fee for transactions made overseas. Cards that charge foreign transaction fees were docked in our rankings.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eStatement credits (5%): \u003c/strong\u003eA handful of cash back cards also offer monthly, quarterly, or annual statement credits to offset the cost of certain purchases.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service (5%):\u003c/strong\u003e We included the J.D. Power 2022 U.S. Credit Card Satisfaction rating for all card issuers.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eConsumer benefits (5%): \u003c/strong\u003eCards were awarded 0–4 points based on which consumer benefits/protections were included: purchase protection, extended warranty, cell phone insurance, car rental/trip insurance.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (5%):\u003c/strong\u003e We averaged the star rating for each issuer’s mobile app in the Apple Store and Google Play.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eKeep in mind that the rewards, interest rates, and fee structures for the cards mentioned are available for limited periods and subject to change, which could impact how much cash back you earn. Additionally, only cards with an explicit cash back rate were considered; cards offering points or other non-cash back rewards were excluded from our rankings.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eFortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003ePlease note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eEligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit\u0026nbsp;\u003ca href=\"http://americanexpress.com/benefits\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eamericanexpress.com/benefits\u003c/a\u003e\u0026nbsp;guide for more details. Underwritten by Amex Assurance Company.\u003c/em\u003e\u003c/p\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eHelp your travel dollars go farther with the \u003ca href=\"https://fortune.com/recommends/credit-cards/best-travel-credit-cards/\"\u003ebest travel credit cards\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eFly the friendly skies with the \u003ca href=\"https://fortune.com/recommends/credit-cards/best-airline-credit-cards/\"\u003ebest airline credit cards\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/credit-cards/best-hotel-credit-cards/\"\u003ebest hotel cards\u003c/a\u003e earn you more on each night you book.\u003c/li\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/\"\u003ebest cash back credit cards\u003c/a\u003e give you cash back on every purchase.\u003c/li\u003e\r\n\u003cli\u003eDo you have bad credit or no credit? Consider applying for a \u003ca href=\"https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/\"\u003esecured credit card\u003c/a\u003e.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3700969,"dateGmt":"2024-07-31T14:22:54","dek":"","description":"These cash back credit cards can put hundreds of dollars back in your pocket.","faq":[{"answer":"If you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway. However, if you struggle with debt and paying your credit card bill on time, it’s a good idea to avoid credit cards in general.","question":"Are cash back cards a good idea?","__typename":"FaqField"},{"answer":"There aren’t any credit cards that provide a flat 3% back across the board. However, several cards offer 3% back in certain spending categories, including the Amex EveryDay® Preferred Credit Card, Bank of America® Customized Cash Rewards Credit Card, and Capital One SavorOne Rewards.","question":"What credit card gives you 3% back?","__typename":"FaqField"},{"answer":"There is no cash back card that provides 5% back on all purchases. However, several cards offer 5% cash back on popular spending categories like groceries and gas, including the US Bank Cash+ Visa Signature ® Card, Credit One Bank Platinum X5 Visa, and Discover it Cash Back card.","question":"How do you get 5% cash back on everything?","__typename":"FaqField"},{"answer":"If you spend $1,000 in eligible purchases on a card that offers 1.5% back, you’d earn $15 in cash back.","question":"How much is 1.5% cash back on $1,000?","__typename":"FaqField"},{"answer":"There is no downside to earning cash back. However, it’s not a good idea to spend money on a credit card that you can’t afford to pay back just to earn cash back. Missing payments results in late fees and harm to your credit.","question":"Is there a downside to cash back?","__typename":"FaqField"}],"featuredMediaType":"no_video","floatingNavContent":"\u003cul\u003e\n\u003cli\u003eBest cash back credit cards\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#best-overall\"\u003e\u003cstrong\u003eBest no annual fee cash back card:\u003c/strong\u003e Wells Fargo Active Cash® Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#value\"\u003e\u003cstrong\u003eBest for maximizing rewards: \u003c/strong\u003eChase Freedom Unlimited®\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#cfo\"\u003e\u003cstrong\u003eBest for the rotating category card:\u003c/strong\u003e Chase Freedom Flex℠\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#foodies\"\u003e\u003cstrong\u003eBest for dining: \u003c/strong\u003eCapital One Savor Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bluecash\"\u003e\u003cstrong\u003eBest for groceries: \u003c/strong\u003eBlue Cash Preferred® Card from American Express\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#rise\"\u003e\u003cstrong\u003eBest for people new to credit:\u003c/strong\u003e Chase Freedom Rise®\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#best-travel\"\u003e\u003cstrong\u003eBest travel credit card for cash back:\u003c/strong\u003e Chase Sapphire Preferred® Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#quicksilver\"\u003e\u003cstrong\u003eBest for bad credit:\u003c/strong\u003e Capital One Quicksilver Secured Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#doublecash\"\u003e\u003cstrong\u003eBest for fair credit:\u003c/strong\u003e Citi® Double Cash Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#customer\"\u003e\u003cstrong\u003eBest for customer experience: \u003c/strong\u003eDiscover it® Cash Back\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#big-ticket\"\u003e\u003cstrong\u003eBest for big-ticket purchases:\u003c/strong\u003e U.S. Bank Cash+® Visa Signature® Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bluebuscash\"\u003e\u003cstrong\u003eBest small business cash back card:\u003c/strong\u003e American Express Blue Business Cash™ Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#InkBusUnlimited\"\u003e\u003cstrong\u003eBest business cash back card for large purchases:\u003c/strong\u003e Ink Business Unlimited® Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#What-is-a-cash-back\"\u003eWhat is a cash back credit card?\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#cash-back-credit-card\"\u003eCan you get cash back with a credit card?\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose a cash back credit card\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#pros-and-cons\"\u003ePros and cons of cash back credit cards\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#types\"\u003eTypes of cash back credit cards\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#what\"\u003eWhat is a 0% intro APR?\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#balance-transfer\"\u003e\u003cstrong\u003eWhat is a balance transfer?\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#foreign\"\u003e\u003cstrong\u003eWhat is a foreign transaction fee?\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#faq\"\u003eFrequently Asked Questions\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNzAwOTY5","image":"https://fortune.com/img-assets/wp-content/uploads/2022/12/Recommends_Best-Cash-Back-Credit-Cards.png?resize=1200,600","imageCaption":"These credit cards reward you for your everyday spending.","imageCredit":"Illustration by Tim Boelaars","keywords":"","link":"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/","metaTitle":"12 best cash back credit cards of November 2024","modifiedGmt":"2024-11-14T15:59:32","pageType":"evergreen","platformCD":"recommends","postId":3700969,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"\u003cp\u003eFollow Fortune Recommends on \u003ca class=\"c-link\" href=\"https://www.facebook.com/fortunerecommends\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"https://www.facebook.com/fortunerecommends\" data-sk=\"tooltip_parent\"\u003eFacebook\u003c/a\u003e and \u003ca class=\"c-link\" href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"https://twitter.com/fortunerecs\" data-sk=\"tooltip_parent\"\u003eTwitter\u003c/a\u003e.\u003c/p\u003e","bylineCommentary":null,"mediaItem":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/12/Recommends_Best-Cash-Back-Credit-Cards.png"},"__typename":"Settings"},"premiumCategory":{"name":"F-Partnership","premiumCategoryId":447850668,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-partnership-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"rewards credit cards","primaryTagId":447863959,"link":"https://fortune.com/tag/rewards-credit-cards/","uri":"/tag/rewards-credit-cards/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Credit Cards","primarySectionId":447854033,"link":"https://fortune.com/recommends/credit-cards/","uri":"/recommends/credit-cards/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/dia-headshot.png?w=150","name":"Dia Adams","role":"Senior Editor, Credit Cards","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eDia Adams is the senior editor leading the credit cards team at Fortune Recommends. Previously, Dia was a managing editor on the credit cards and travel rewards team at Forbes Advisor. She has been featured on national television, radio, print, and online media as an expert in the realms of credit cards, points and miles, Disney and family travel. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/dia-adams/","twitterUrl":"https://twitter.com/TheDiaAdams","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/dia-adams/"},"sectionNames":["Credit Cards"],"sections":[{"name":"Credit Cards","sectionId":447854033,"slug":"credit-cards","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"Get money back on your everyday spending, plus valuable coverage and freebies.","socialTitle":"We ranked the best cash back cards available in 2024","stickyCta":null,"tagNames":["no copyright","Rankings and Roundups","rewards credit cards"],"tags":[{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"rewards credit cards","tagId":447863959,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/12/Recommends_Best-Cash-Back-Credit-Cards.png","title":"12 best cash back credit cards: Up to 5% back","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Cashback","description":null,"slug":"cat-cashback"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"These cash back credit cards can put hundreds of dollars back in your pocket.","authorNames":["Chris Butsch"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=150","name":"Chris Butsch","sameAs":"","type":"Person","uri":"/author/chris-butsch/","url":"https://fortune.com/author/chris-butsch/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/chrisbutsch/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003eChris Butsch is an expert on the subjects of credit cards and mortgages. Chris is a two-time author who has made it his mission to help people build better lives through financial literacy and positive psychology. His writing has been featured in Forbes Advisor, HuffPost, ConsumerAffairs, Money Under 30, and Investor Junkie.\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"CREDIT CARDS","link":"/recommends/credit-cards/"},{"label":"12 BEST CASH BACK CREDIT CARDS OF NOVEMBER 2024","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Credit Cards","content":"\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eFortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eTerms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit\u0026nbsp;\u003ca href=\"http://americanexpress.com/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eamericanexpress.com\u003c/a\u003e\u0026nbsp;to learn more.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eBack in 1986, Sears, Roebuck \u0026amp; Co launched a radical new product called the Discover Card. Unlike other \u003ca href=\"https://fortune.com/recommends/credit-cards/best-credit-cards/\"\u003ecredit cards\u003c/a\u003e of its era, the Discover Card actually paid you for using it. In the words of the Discover Card’s 30-second \u003ca href=\"https://www.youtube.com/watch?v=7u6d0ldx0oY\"\u003eSuper Bowl XXI commercial\u003c/a\u003e:\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003e“Why should I pay with just any credit card when this one pays me money back?”\u003c/p\u003e\n\n\n\n\u003cp\u003eNaturally, the idea of a “cash back rewards credit card” spread like wildfire, and 38 years of competition mean today’s cash back cards have become more rewarding than ever. From welcome bonuses topping $1,000 to up to 5% cash bacdk on everyday purchases, the rewards potential is enormous.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut which cash back rewards card is best? Which one rewards foodies, travelers, and everyday spenders the most? Which card is ideal if you have imperfect credit or no credit history at all?\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLet’s explore the best cash back credit cards of 2024.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-credit-card-methodology/\"\u003ecredit card methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eMore than 50 years of industry experience\u003c/li\u003e\n\n\n\n\u003cli\u003eFeatured speaker at over a dozen industry events\u003c/li\u003e\n\n\n\n\u003cli\u003e4 levels of fact checking\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 50 cash back cards considered\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest cash back credit cards of November 2024\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eBest no annual fee cash back card:\u003c/strong\u003e \u003ca href=\"#best-overall\"\u003eWells Fargo Active Cash® Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for maximizing rewards: \u003c/strong\u003e\u003ca href=\"#value\"\u003eChase Freedom Unlimited®\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for the rotating category card:\u003c/strong\u003e \u003ca href=\"#cfo\"\u003eChase Freedom Flex℠\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest travel credit card for cash back: \u003c/strong\u003e\u003ca href=\"#best-travel\"\u003eChase Sapphire Preferred® Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for dining: \u003c/strong\u003e\u003ca href=\"#foodies\"\u003eCapital One Savor Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for groceries: \u003c/strong\u003e\u003ca href=\"#bluecash\"\u003eBlue Cash Preferred® Card from American Express\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for people new to credit:\u003c/strong\u003e \u003ca href=\"#rise\"\u003eChase Freedom Rise®\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for bad credit:\u003c/strong\u003e \u003ca href=\"#quicksilver\"\u003eCapital One Quicksilver Secured Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for fair credit:\u003c/strong\u003e \u003ca href=\"#doublecash\"\u003eCiti® Double Cash Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for customer experience: \u003c/strong\u003e\u003ca href=\"#customer\"\u003eDiscover it® Cash Back\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest for big-ticket purchases:\u003c/strong\u003e \u003ca href=\"#big-ticket\"\u003eU.S. Bank Cash+® Visa Signature® Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest small business cash back card:\u003c/strong\u003e \u003ca href=\"#bluebuscash\"\u003eAmerican Express Blue Business Cash™ Card\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBest business cash back card for large purchases:\u003c/strong\u003e \u003ca href=\"#InkBusUnlimited\"\u003eInk Business Unlimited® Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eSPONSORED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"caponeqc\" class=\"card-title\"\u003eCapital One Quicksilver Cash Rewards Credit Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn $200 as a one-time cash bonus once you spend $500 within 3 months from account opening.\r\n\r\n\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% Intro APR\u003c/td\u003e\r\n\u003ctd\u003e15 months \u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"15 months 0% introductory APR for the first 15 months on purchases and balance transfers . After that, your APR will be 19.99% - 29.99%. BT fee applies \" data-tooltip=\"0% introductory APR for the first 15 months on purchases and balance transfers. After that, your APR will be 19.74% - 29.74%. BT fee applies.\"\u003e\u003c/div\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRewards\u003c/td\u003e\r\n\u003ctd\u003e1.5% cash back on all purchases\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3791969 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Cash-Rewards-Credit-Card.jpg\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView Offer\r\n\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOur Take\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eThe Quicksilver card combines an appealing 0% APR period, a decent cash-back rate and a selection of unique benefits.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006159\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView Offer\r\n\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-overall\"\u003eBest no annual fee: Wells Fargo Active Cash® Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Active Cash keeps it simple with 2% cash back on all purchases with no categories to track or spending caps to hit. You’ll also get a $200 cash rewards bonus after spending $500 in purchases in the first three months, \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e and $600 in cell phone protection to round out a stellar overall package.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eWells Fargo Active Cash® Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn $200 cash rewards bonus after spending $500 in purchases in the first three months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3% or $5 first 120 days, then 5%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e20.24%, 25.24%, or 29.99% variable APR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/03/Wells-Fargo-Active-Cash.png\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eRead our review\u003c/a\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e2%\u003c/span\u003e Unlimited 2% cash rewards on purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCard Details\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003cli\u003eAdditional perks: Cell phone insurance, car rental insurance\u003c/li\u003e\r\n\u003cli\u003eForeign transaction fee: 3%\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eRead our review\u003c/a\u003e\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e The Wells Fargo Active Cash® Card may be the best cash back card on the market and for one simple reason: it offers a blanket 2% cash rewards on purchases. That objectively beats out the 1.5% you’ll see most other general-use rewards cards offer.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn terms of overall value, the Active Cash Card definitely doesn’t stop there. You’ll also get a generous $200 cash rewards bonus after spending $500 in purchases in the first three months, \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e and even $600 in cell phone protection (which covers damage and theft) with a minimal $25 deductible (so the next time you crack your screen, Wells Fargo may help with the repair bill).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAs for drawbacks, the card lacks any form of travel protection beyond basic rental car insurance. Plus, its 3% foreign transaction fee will nullify your 2% cash rewards on purchases as soon as you land overseas. As a net result, it’s not much of a travel companion (the Chase Sapphire Preferred® Card, detailed below, is a far better option).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut for daily usage—especially for someone who doesn’t have the mental space to track rotating bonus categories, and just wants maximum cash back on each purchase—the Wells Fargo Active Cash is the no-fee card to beat.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more: See our \u003ca href=\"https://fortune.com/recommends/credit-cards/wells-fargo-active-cash-card-review/\"\u003eActive Cash review\u003c/a\u003e and learn \u003ca href=\"https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/\"\u003ehow to choose a cash-back credit card\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns rewards\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHigh balance transfer fee after first 120 days\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWells Fargo Rewards\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe official Wells Fargo Active Cash Card webpage makes countless mentions of the term “cash back rewards,” which sounds a lot like you’ll be getting straight cash back. But in reality, you’ll be earning points that are redeemable in multiple ways:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eStatement credit\u003c/li\u003e\n\n\n\n\u003cli\u003eCovering existing purchases\u003c/li\u003e\n\n\n\n\u003cli\u003eGetting literal cash from an ATM (in $20 increments)\u003c/li\u003e\n\n\n\n\u003cli\u003eGift cards\u003c/li\u003e\n\n\n\n\u003cli\u003eBooking travel via Wells Fargo Travel\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eShopping with one of Wells Fargo’s retail partners\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eWells Fargo also has a small (but growing) list of transfer partners that accept Wells Fargo Rewards points at various ratios. However, only two Wells Fargo rewards cards currently offer the ability to transfer points: the \u003ca href=\"https://fortune.com/recommends/credit-cards/wells-fargo-autograph-visa-card-review/\"\u003eWells Fargo Autograph℠ Card\u003c/a\u003e and the \u003ca href=\"https://fortune.com/recommends/credit-cards/wells-fargo-autograph-journey-credit-card-launch-news/\"\u003eWells Fargo Autograph Journey℠ Visa® Card\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eSo if you have an Active Cash card, you’ll probably be redeeming most of your points for cash back at a rate of 1 cent per point. Still, you should be able to rack up points pretty quickly given the card’s generous welcome bonus and rewards structure.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWells Fargo Active Cash Benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e2% cash rewards on purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 cash rewards bonus after spending $500 in purchases in the first three months\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"0% APR on purchases and balance transfers for 15 months\"}\" data-sheets-userformat=\"{\"2\":11075,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15389148},\"9\":0,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e0% APR on purchases and balance transfers for 15 months\u003c/span\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e$600 in Cell Phone Protection covering damage and theft ($25 deductible)\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eEmergency Cash Disbursement and Card Replacement\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you are a one-card type of person, a 2% cash-back card like the Active Cash makes a lot of sense. When you\u0026#8217;re ready to branch out a bit, hold on to that flat-rate card and add one with tiered benefits in bonus categories that match up with your spending. \u003cem\u003e\u003ca href=\"https://fortune.com/author/dia-adams/\"\u003eDia Adams, Senior Editor\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"value\"\u003eBest for those who want the most value: Chase Freedom Unlimited®\u003c/h2\u003e\n\n\n\n\u003cp\u003eWe\u0026#8217;re big fans of the Chase Freedom Unlimited®, especially for its ease of pairing with other cards in the Chase ecosystem. With the Unlimited and the Freedom Flex in hand, you\u0026#8217;ll maximize your cash-back earnings. Or pair it with a Sapphire Preferred and use those points for travel at an elevated rate. The choice is yours.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Freedom Unlimited®\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\nAn additional 1.5% on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back.\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eIntro 0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-value=\"{\"1\":2,\"2\":\"$5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.\"}\" data-sheets-userformat=\"{\"2\":835,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"9\":0,\"11\":4,\"12\":0}\"\u003e$5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.99%–28.74% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090\u0026amp;src=692824\u0026amp;var2=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3848225 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Chase-Freedom-Unlimited®.png?w=300\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow noreferrer\"\u003eLearn more\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eThe Chase Freedom Unlimited® card is a well-rounded rewards card, offering generous cash-back earnings in a variety of categories. The $0 annual fee and an introductory 15-month 0% APR make this card particularly attractive to budget-conscious cardholders.\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e6.5%\u003c/span\u003e 6.5% on travel purchased through Chase Travel℠\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e4.5%\u003c/span\u003e 4.5% cash back on dining including takeout and eligible delivery service\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e4.5%\u003c/span\u003e 4.5% cash back on drugstore purchases \u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003e \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"3% cash back on all eligible purchases (on up to $20,000 spent in the first year)\"}\" data-sheets-userformat=\"{\"2\":11203,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"9\":0,\"10\":2,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e3% cash back on all eligible purchases (on up to $20,000 spent in the first year)\u003c/span\u003e\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on Lyft purchases (through March 2025)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=3006090\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn more\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat cardratings.com\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u0026nbsp;\u003c/strong\u003eThe Chase Freedom Unlimited® frees your mind from having to consider which card to use at checkout. You’ll receive, at minimum, 1.5X cash back on all eligible purchases, plus 3X on dining and drugstores, and 5X on travel booked through Chase Travel℠.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Freedom Unlimited also offers Purchase Protection, Extended Warranty Protection, rental car insurance and even Trip Cancellation/Interruption Insurance, which is a rarity for a non-travel rewards card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSo, while the Freedom Unlimited card’s base earnings rate of 1.5X falls a pinch behind the 2X that some rivals offer, the card makes up the difference with 3X and 5X categories, beaucoup purchase and travel insurance and the ability to transfer points to your Chase Sapphire Preferred account for even more value.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more about the card with our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-freedom-unlimited-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eFreedom Unlimited review\u003c/a\u003e or see \u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-combine-chase-ultimate-rewards-points/\"\u003ehow to combine Ultimate Rewards\u003c/a\u003e for maximum value.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEasy-to-earn welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns at least 1.5% cash back\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eOther cash-back cards offer 2% cash back\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow to combine Ultimate Rewards points\u003c/h3\u003e\n\n\n\n\u003cp\u003eIn the above sections, I made multiple references to how you can actually transfer points from a Chase Freedom Unlimited account to a Chase Sapphire Preferred account to instantly boost their value. Here’s how it all works.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you go to your Chase Ultimate Rewards dashboard and choose your Chase Freedom Unlimited account, you’ll see an option under Rewards Details called Combine Points. This feature allows you to move points from one card account to another, meaning you could pool all of the points you just earned with your Chase Freedom Unlimited into your Chase Sapphire Preferred account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhy would you want to do this?\u003c/p\u003e\n\n\n\n\u003cp\u003eWell, for one thing, points in your Chase Sapphire Preferred account get an instant 25% bonus when redeemed through Chase Travel℠. That means 30,000 points is worth $375 towards airfare, hotels and more.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, unlike points in your Freedom Unlimited account, points in your Chase Sapphire Preferred account can be transferred to one of Chase’s 14 transfer partners at a minimum 1:1 ratio. You’ll often see promos, too, such as an 80% transfer bonus to IHG.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn summary, the Combine Points feature allows you to earn points with your Chase Freedom Unlimited, then \u003cem\u003espend \u003c/em\u003ethem with your Chase Sapphire Preferred for maximum travel value.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Freedom Unlimited Benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e1.5X on all eligible purchases, 3X on drugstores and dining, 5X on Chase Travel℠\u003c/li\u003e\n\n\n\n\u003cli\u003eGet additional 1.5% on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 19.99%–28.74%)\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption insurance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eI find the Freedom Unlimited is the perfect companion for my Sapphire Reserve and Chase Freedom Flex cards. I use it for everyday purchases that don’t fall into bonus categories from the other cards, and then I often transfer the Ultimate Rewards points to the Sapphire Reserve before redeeming. \u003cem\u003eLouis DeNicola, Fortune contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"cfo\"\u003eBest for rotating bonus categories: Chase Freedom Flex℠\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Chase Freedom Flex℠ shines for its maximized earning rate of 5% on a series of categories that change every quarter. Used properly, the card is a workhorse for rewards.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Freedom Flex℠\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\n$200 cash bonus after spending $500 on purchases within your first three months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e20.49%–29.24% Variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3819638\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/freedom-flex-credit-card.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eOur take\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe Chase Freedom Flex℠ card has $0 annual fee, and users can earn a hefty 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%). With additional benefits like an extended introductory annual percentage rate (APR) period, cell phone protection, and car rental collision coverage, this card is packed with perks. \r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on travel purchased through Chase Ultimate Rewards\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003e 3% cash back on dining (including restaurants, takeout and eligible delivery services)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003e 3% cash back on drugstore purchases\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1%\u003c/span\u003e 1% cash back on all other purchases\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5%\u003c/span\u003e 5% cash back on Lyft rides (through March 2025)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like this card\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Chase Freedom Flex℠ card’s hallmark feature is the 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%) that change out every three months of the calendar year. At the time of this writing (Q3 2024), the current 5X rewards categories are Gas Stations, EV Charging, Select Live Entertainment and Movie Theaters. Prior to that was Amazon, Hotels and Restaurants in Q2, and Q1 featured\u0026nbsp; Grocery Stores and Fitness Clubs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOutside of the 5X categories (which are capped at $1,500 worth of spending aka $75 cash back), you’ll earn an unlimited 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining (including restaurants, takeout and eligible delivery services), 3% cash back on drugstore purchases and 1% cash back on all other purchases. There’s also a $200 cash bonus after spending $500 on purchases within your first three months, 0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%) and up to $800 per claim in Cell Phone Protection (with a $50 deductible).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePut it all together and you have a 5X rewards card that probably isn’t strong enough on its own (especially given the $75 cap on rewards each quarter), but will pair extremely well with your other general-use rewards card. The cherry on top—and why it dominates other rotating rewards cards—is the ability to transfer points you earn with the Flex to your Chase Sapphire Preferred account for 25% bonus redemption value via travel.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo dig deeper, see our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eFreedom Flex review\u003c/a\u003e. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e \u003ca href=\"https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eWhy I switched from travel rewards to cash back, and how to know if you should, too\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEasy-to-earn welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns up to 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%)\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMust activate bonus categories every quarter\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e5% categories are capped\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat are the Chase Freedom Flex bonus categories?\u003c/h3\u003e\n\n\n\n\u003cp\u003eHere’s a quick recap of the Chase Freedom Flex’s bonus categories from the past four quarters:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOctober \u0026#8211; December 2023: Wholesale Clubs (e.g. Costco, Sam’s Club), Select Charities and PayPal\u003c/li\u003e\n\n\n\n\u003cli\u003eJanuary \u0026#8211; March 2024: Grocery Stores (excluding Wal-Mart and Target), Fitness Clubs \u0026amp; Gym Memberships and Self-Care and Spa Services\u003c/li\u003e\n\n\n\n\u003cli\u003eApril \u0026#8211; June 2024: Amazon.com, Hotels and Restaurants\u003c/li\u003e\n\n\n\n\u003cli\u003eJuly \u0026#8211; September 2024: Gas Stations, EV Charging, Select Live Entertainment and Movie Theaters\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow to activate quarterly 5% bonus categories\u003c/h3\u003e\n\n\n\n\u003cp\u003eFor reasons we’re not privy to, Chase requires you to manually “activate” your rewards each quarter when you have the Flex card. If you miss the deadline to activate, you won’t receive 5X rewards that quarter.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe good news is that the deadline isn’t toward the end of the quarter (e.g. September 14th for Q3 2024), so even if it slips your mind for a month or two, you’ll still have plenty of time. Plus, activating just takes a single click \u0026#8211; you can do so from the reminder email Chase sends you, from your main account dashboard or from \u003ca href=\"http://chase.com/bonus\"\u003eChase.com/bonus\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Freedom Flex benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%), 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on drugstore purchases, 3% cash back on dining (including restaurants, takeout and eligible delivery services), 1% cash back on all other purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 cash bonus after spending $500 on purchases within your first three months\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro purchase APR for 15 months from account opening (after that, the variable APR will be 20.49%–29.24%)\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eCell Phone Protection (up to $800 per claim, $50 deductible)\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you’re not using the Chase Freedom Flex and Chase Sapphire Preferred in tandem, you’re missing out. The no-fee Flex card gives me 5X on quarterly rotating categories like Amazon and groceries, which I then migrate to my Sapphire account where they’re worth 25% extra in travel redemption value. In essence, I’m getting 6.25X in travel on everyday purchases. \u003ca href=\"https://fortune.com/author/chris-butsch/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003e\u003cem\u003eChris Butsch, Fortune contributor\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-travel\"\u003eBest travel credit card for cash back: Chase Sapphire Preferred® Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eDespite rising competition, the Chase Sapphire Preferred® Card remains our favorite travel cash back card due to its generous 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening You also get numerous 2X to 5X rewards categories, and sweet 25% multiplier for points redeemed via Chase Travel℠. Toss in 14 transfer partners and a cornucopia of travel insurance and you have a sweet metal card that deserves a spot next to your passport.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Sapphire Preferred® Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\n60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$95\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e20.99%–27.99% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159\u0026amp;src=692824\u0026amp;var2=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/03/Chase-Sapphire-Preferred.png?w=289\" alt=\"\" width=\"289\" height=\"181\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eThe Chase Sapphire Preferred® Card offers an impressive welcome bonus, bonus value on travel redemptions and several transfer partners. If you\u0026#8217;re looking for luxury travel perks, however, the card may leave you wanting more.\u003c/div\u003e\r\n\u003c!-- pannel 2--\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e Rewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit)\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e3x\u003c/span\u003e3x points on dining at restaurants, including takeout and eligible delivery services\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e2x points on travel purchases not booked through Chase\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e1x points on other purchases\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e Card details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eAdditional perks: $50 annual hotel credit, trip cancelation/interruption insurance, auto rental collision damage waiver, complimentary Doordash and Instacart+ membership along with quarterly Instacart+ credits\u003c/li\u003e\r\n \t\u003cli\u003eForeign transaction fee: None\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=2061159\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e It’s rather appropriate that the Chase Sapphire Preferred® Card card aka “CSP” comes in thick metal form since the card is so (figuratively) dense with travel benefits. Right off the bat, you’ll get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening\u003c/p\u003e\n\n\n\n\u003cp\u003eBeyond that, the card generates 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining, 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on travel purchases and 1x points on other purchases. There’s also a $50 annual hotel credit, free DashPass and a metric ton of travel insurance and purchase protection.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to the 25% redemption bonus, having a Chase Sapphire Preferred account also unlocks the ability to transfer your Chase Ultimate Rewards points to one of the bank’s 14 transfer partners. Transfer ratios are all 1:1, so if you move your points to a program with exceptionally high individual point values (*cough* World of Hyatt), you can make your Chase points go even further towards your next trip.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut even if you don’t have any upcoming travel plans and just need to pay the bills, the CSP’s generous welcome bonus and 2X to 5X categories can net some serious cash back.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo learn more, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-sapphire-preferred-review/\"\u003efull review of the Chase Sapphire Preferred\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eValuable welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eExtensive list of transfer partners\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eExtra value on travel redemptions\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo premium travel perks (e.g. lounge access)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo instant status with any airline or hotel\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e$95 annual fee\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is the Chase Trifecta?\u003c/h3\u003e\n\n\n\n\u003cp\u003eAs you shop around for the right credit credit cards, you may see mention of something called the “Chase Trifecta.”\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Chase Trifecta comprises the Chase Freedom Unlimited, Freedom Flex and Sapphire Preferred. Having this strategic combination of cards in your wallet is so effective at maximizing points that it scored its own nickname.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAs you may have surmised, the idea is to alternate between your no-fee Freedoms so that you’re always earning between 1.5X and 5X on everyday purchases. Then, when it’s time to book travel, you can use the Combine Points feature to move your Chase Ultimate Rewards points over to your Sapphire Preferred account where you’ll get an extra 25% in redemption value or have the ability to transfer to travel partners for even more value.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you travel for work, you might consider swapping out the Sapphire Preferred for the Ink Business Preferred® Credit Card, which offers the same 25% travel redemption bonus plus a 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠. And if you travel multiple times per month, either for work or business, you might even pair the Freedom Flex and Unlimited with the Chase Sapphire Reserve® card, which ups the redemption bonus from 25% to 50%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSpeaking of Chase Ultimate Rewards, let’s touch on the program a bit more before moving on to our next card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eChase Ultimate Rewards\u003c/h3\u003e\n\n\n\n\u003cp\u003eChase Ultimate Rewards may be the best overall rewards card program on the market due to its flexible redemption options, high point values and frequent promotional bonuses.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor starters, Chase Ultimate Rewards points are always worth at least a penny each via statement credit. That instantly gives the program a leg up against its chief rival Amex Membership Rewards, which only offers 0.6 cents per point in statement credit. You can also redeem points through Chase Travel℠, cash out for gift cards (often with a 10% bonus multiplier) and donate points to charity.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHolders of the Sapphire Preferred, Sapphire Reserve and Ink Business Preferred cards also have the option of transferring points to one of Chase’s 14 transfer partners including Southwest, United, Hyatt and more. While most ratios are 1:1, you’ll sometimes see temporary promotional rates which can stretch your point values even further (e.g. 80% bonus with IHG at the time of writing).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more about why we think it’s the program to beat in our full review of \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/\"\u003eChase Ultimate Rewards\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Sapphire Preferred card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$95 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel), 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x points on dining, 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on travel purchases, 1x points on other purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening\u003c/li\u003e\n\n\n\n\u003cli\u003e25% bonus multiplier on all points redeemed through Chase Travel℠\u003c/li\u003e\n\n\n\n\u003cli\u003e$50 Annual Hotel Benefit good towards hotels booked through Chase Travel℠\u003c/li\u003e\n\n\n\n\u003cli\u003eComplimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Delay Reimbursement\u003c/li\u003e\n\n\n\n\u003cli\u003eBaggage delay insurance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"foodies\"\u003eBest cash back credit card for foodies: Capital One Savor Cash Rewards Credit Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Capital One Savor Cash Rewards Credit Card gives extra rewards for both dining and groceries, meaning that everything you eat can earn extra cash back. The Savor Cash Rewards is also the rare card that offers entertainment as a bonus category so even your movie popcorn will earn more points.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eCapital One Savor Cash Rewards Credit Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% intro balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"3% for first 15 months account is open, then 4%\" data-tooltip=\"3% for first 15 months account is open, then 4%\"\u003e\u003c/div\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.74%-29.74, based on your creditworthiness\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129\u0026amp;src=692824\u0026amp;var2=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3858250 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/Capital-One-Savor-Cash-Rewards-Credit-Card.jpg?w=300\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you are an avid foodie or concert goer, the Savor Cash Rewards will reward you handsomely, especially considering it has no annual fee.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eReward Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e8x\u003c/span\u003e8% cash back on Capital One Entertainment purchases\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e\u003cspan data-sheets-value=\"{\"1\":2,\"2\":\"unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\"}\" data-sheets-userformat=\"{\"2\":4995,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"10\":2,\"11\":4,\"12\":0,\"15\":\"Arial\"}\"\u003eunlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e3x\u003c/span\u003eunlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e1% on all other purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard Details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eThe Savor offers travel accident insurance, extended warranty protection, and exclusive access to events through Capital One Dining and Capital One Entertainment\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048129\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we like this card\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Capital One Savor Cash Rewards Credit Card ensures you get plenty of value out of your card right away with one of the highest earning rates on both dining and groceries for a card with a $0 annual fee.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe appropriately-named Capital One Savor Cash Rewards Credit Card is our favorite foodie card for numerous reasons. For starters, it offers unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services. So whether you’re ordering takeout to watch Hulu at home or you’re sipping margaritas at Madison Square Garden, you’ll be racking up 3X points.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe card also offers 0% intro APR on purchases and balance transfers for 15 months from account opening (after that, the variable APR will be 19.74%-29.74%) and a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time. It’s not a half-bad travel card, either, since there is a 0% foreign transaction fee, Travel Accident Insurance is included and you’ll get 50% off handcrafted beverages at all 55 Capital One Café locations nationwide.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll told, those are better food-related benefits than most premium rewards cards can offer, and the Savor Cash Rewards card has a $0 annual fee.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more info on the \u003ca href=\"https://fortune.com/recommends/credit-cards/capital-one-savor-one-cash-rewards-review/\"\u003eSavor Cash Rewards card\u003c/a\u003e check out our full review.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/credit-card-points-vs-miles-vs-cash-back/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eShould you get a cash-back credit card or a travel credit card?\u003c/a\u003e\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGenerous rewards on dining out or eating in\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% foreign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGrocery store category doesn’t include superstores like Walmart and Target\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eStreaming category only includes selected services\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSavor Cash Rewards Card Benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003eGet \u003cspan data-sheets-value=\"{\"1\":2,\"2\":\"unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\"}\" data-sheets-userformat=\"{\"2\":4995,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"10\":2,\"11\":4,\"12\":0,\"15\":\"Arial\"}\"\u003eunlimited 5% cash back on hotels and rental cars booked through Capital One Travel (Terms apply)\u003c/span\u003e, unlimited 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target(R)), on dining, entertainment and popular streaming services, 1% on all other purchases\u003c/li\u003e\n\n\n\n\u003cli\u003eGet a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening limited time\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro APR on purchases and balance transfers for 15 months from account opening (after that, the variable APR will be 19.74%-29.74%)\u003c/li\u003e\n\n\n\n\u003cli\u003e0% foreign transaction fee\u003c/li\u003e\n\n\n\n\u003cli\u003eTravel Accident Insurance\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003e50% off handcrafted beverages at Capital One Café locations nationwide\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003eLearn more: \u003ca href=\"https://fortune.com/recommends/credit-cards/switch-from-travel-rewards-to-cash-back-credit-card/\"\u003eShould you get a cash-back credit card or a travel credit card?\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eWhile $0 annual fee cash-back cards can be a valuable tool, many are not ideally suited for travel as they charge a foreign transaction fee. If you travel internationally, consider a cash back card from Capital One as none of its cards have them. \u003ca href=\"https://fortune.com/author/dia-adams/\"\u003e\u003cem\u003eDia Adams, Senior Editor\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bluecash\"\u003eBest for groceries: Blue Cash Preferred® Card from American Express\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and a generous $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months. The card’s $95, but it may still be worth keeping since 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) is $360 each year.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 class=\"card-title\"\u003eBlue Cash Preferred® Card from American Express\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26687221\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eSee Rates and Fees\u003c/a\u003e\u003c/p\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch4\u003eIntro Bonus\u003c/h4\u003e\r\nEarn $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% offer\u003c/td\u003e\r\n\u003ctd\u003e0% introductory APR for the first 12 months\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\" data-tooltip=\"0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\"\u003e \u003c/div\u003e\r\n\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer offer\u003c/td\u003e\r\n\u003ctd\u003e0% intro APR on balance transfers for 12 months\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"0% intro APR on balance transfers for 12 months from the date of account opening on requests within 60 days of account opening (after that, the variable APR will be 18.49% - 29.49%)\" data-tooltip=\"0% intro APR on balance transfers for 12 months from the date of account opening on requests within 60 days of account opening (after that, the variable APR will be 18.49% - 29.49%)\"\u003e \u003c/div\u003e\r\n\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e$5 or 3% of the amount of each transfer, whichever is greater\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0 intro annual fee for the first year, then $95\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e18.49% - 29.49% Variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26687182\u0026amp;tid=3700969\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857987 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/03/American-Express-Blue-Cash-Preferred-Card.png?w=300\" alt=\"\" width=\"300\" height=\"190\" /\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26687182\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView Offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch4 class=\"card-rates-title\"\u003eReward Rates\u003c/h4\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e6%\u003c/span\u003eEarn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e6%\u003c/span\u003eEarn 6% cash back on select U.S. streaming subscriptions\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e3%\u003c/span\u003eEarn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1%\u003c/span\u003eEarn 1% cash back on other eligible purchases\u003c/li\u003e\r\n\u003cli\u003eCash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard Details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eThe Blue Cash Preferred card comes with added car rental loss and damage insurance and a Disney+ bundle credit.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26687182\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003eModern rewards cards tend to offer cash back on a mix of absolute essentials (e.g. groceries) but also nice-to-haves like dining and airfare. But sometimes, you just want maximum cash back on basic needs, and that’s where the Blue Cash Preferred® Card from American Express shines.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor starters, you’ll get an astounding 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) which tops out at $360. You’ll also get 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and the card offers a $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months to further put a dent in your overall budget for essentials.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe key drawback to the Amex Blue Cash Preferred is the $0 intro annual fee for the first year, then $95 after year one. But if you’re currently spending $500 a month on groceries and $250 on gas, your total cash back within those categories alone would amount to $450 per year alone.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMassive rewards potential on groceries and gas\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eSolid $250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% introductory APR for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e$0 intro annual fee for the first year, then $95\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGrocery and gas categories don’t include superstores (e.g. Costco, Walmart)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e2.7% of each transaction after conversion to U.S. dollars\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAmex Blue Cash Preferred benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 intro annual fee for the first year, then $95\u003c/li\u003e\n\n\n\n\u003cli\u003e6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% cash back on other eligible purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e$250 statement credit after you spend $3,000 in n eligible purchases on your new card within the first 6 months\u003c/li\u003e\n\n\n\n\u003cli\u003e0% introductory APR on purchases and balance transfers for the first 12 months from the date of account opening (after that, the variable APR will be 18.49% - 29.49%)\u003c/li\u003e\n\n\n\n\u003cli\u003e$84 Disney Bundle Credit\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eReturn protection\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eTo view rates and fees of the Blue Cash Preferred® Card from American Express see \u003ca href=\"https://oc.brcclx.com/t?lid=26687221\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003ethis page\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"rise\"\u003eBest cash back card for people new to credit: Chase Freedom Rise® credit card\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you\u0026#8217;re worried about qualifying for this card with little to no credit, know that the Chase Freedom Rise® is designed for those who are new to managing credit.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eChase Freedom Rise®\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn a \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\"1\":2,\"2\":\"$25 statement credit after signing up for automatic payments within the first three months of opening your account. (With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.\"}\" data-sheets-userformat=\"{\"2\":11203,\"3\":{\"1\":0},\"4\":{\"1\":2,\"2\":15724527},\"9\":0,\"10\":2,\"11\":4,\"12\":0,\"14\":{\"1\":2,\"2\":0},\"16\":10}\"\u003e$25 statement credit after signing up for automatic payments within the first three months of opening your account (with automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time)\u003c/span\u003e\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMy Chase Plan Fee\u003c/td\u003e\r\n\u003ctd\u003e1.72%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eForeign Transaction fee\u003c/td\u003e\r\n\u003ctd\u003e3% of the amount of each transaction in U.S. dollars\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e26.49% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3848225 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Chase-Freedom-Rise.png\" alt=\"\" width=\"300\" height=\"189\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\u003cdiv id=\"content0-2a505de1-53b3-4f69-8e9d-be2c55f6a426\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-2a505de1-53b3-4f69-8e9d-be2c55f6a426\"\u003eChase Freedom Rise® is a great starter credit card that allows those who are new to managing credit build a good score and earn rewards on their spending.\u003c/div\u003e\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1.5x\u003c/span\u003e Unlimited 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard Details\u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Cell phone insurance, car rental insurance\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=5048356\u0026amp;src=692824\u0026amp;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e For those who are new to credit, the ideal “starter card” will a) be easy to get, b) encourage responsible spending and c) offer a clear pathway to a full-fledged rewards card. The Chase Freedom Rise® card manages to offer all three features, and amazingly, includes cash back rewards and a welcome bonus to boot.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo start things off, Chase hints that you can “improve your likelihood of approval” by having at least $250 in your Chase checking account(s), so the application criteria are relatively straightforward. Once you’re approved, the card instantly encourages healthy spending by offering $25 statement credit after signing up for automatic payments within the first three months of opening your account and automatically evaluating you after year one for a Chase Freedom Unlimited card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eUntil then, you’ll still be getting 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back) as you monitor and build your credit. You won’t have to worry about a lack of consumer protection, either, since the Freedom Rise comes loaded with purchase protection, extended warranty protection and even Trip Cancellation/Interruption insurance. All told, it’s a shockingly robust and rewarding card for newbies\u003c/p\u003e\n\n\n\n\u003cp\u003eTo dig deeper, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-freedom-rise-credit-card-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eFreedom Rise review\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eGreat for building credit\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns rewards\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e3% of the amount of each transaction in U.S. dollars foreign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eStrongly encourages banking relationship with Chase to be approved\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Freedom Rise benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003eHaving $250 in Chase checking account(s) increases likelihood of approval\u003c/li\u003e\n\n\n\n\u003cli\u003e1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back)\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on Lyft\u003c/li\u003e\n\n\n\n\u003cli\u003e$25 statement credit after signing up for automatic payments within the first three months of opening your account\u003c/li\u003e\n\n\n\n\u003cli\u003e3 months of complimentary DashPass plus 50% off for the rest of the year\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\n\n\n\u003cli\u003eTrip Cancellation/Interruption Insurance\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-credit-card/\"\u003eA beginner\u0026#8217;s guide to credit cards\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eIs there a Chase Student credit card?\u0026nbsp;\u003c/h3\u003e\n\n\n\n\u003cp\u003eUnlike some of its competitors, Chase does not offer a dedicated student credit card like the Discover it® Student Cash Back or the BankAmericard® for Students. Instead, the bank treats the Chase Freedom Rise card as its premier credit-building card for anyone who’s new to building and managing credit,\u0026nbsp; including students, folks who are new to the U.S. and more.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eEven though the Chase Freedom Rise doesn’t have the word “student” in its name, it’s still well-suited for anyone with a .edu email address. As mentioned above, it’s just a stellar credit-building card overall since it offers 1.5% cashback on all purchases (Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back), numerous credit-building tools, free DashPass, 5X on Lyft and even a $25 statement credit after signing up for automatic payments within the first three months of opening your account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSure, it heavily implies that you need $250 in a Chase account before applying \u0026#8211; but joining the Chase ecosystem as a student isn’t such a bad thing given the bank’s \u003ca href=\"https://fortune.com/recommends/credit-cards/chase-ultimate-rewards-guide/#:~:text=Chase%20Ultimate%20Rewards%20points%20never,the%20Pay%20Yourself%20Back%20feature).\"\u003eexcellent rewards program\u003c/a\u003e and long list of rewards cards to apply for post-graduation.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eI’m often tempted by the Pay with Points option at checkout, but unless I’m getting more than a penny-per-point in value, I never do it. It’s better to pay with a card like the Chase Freedom Rise and get 1.5% back than to Pay with Points and get less than a penny back per point. \u003ca href=\"https://fortune.com/author/chris-butsch/\"\u003eChris Butsch, Fortune contributor\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"quicksilver\"\u003eBest cash back card for bad credit: Capital One Quicksilver Secured Cash Rewards Credit Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Capital One Quicksilver Secured Cash Rewards Credit Card is an excellent choice for anyone looking to rebuild their credit thanks to its generous rewards and general lack of hidden fees. Sure, its $200 minimum security deposit isn’t the lowest we’ve seen, but the card’s 1.5% cash back on every purchase more than makes up for it.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eCapital One Quicksilver Secured Cash Rewards Credit Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eWho is this card good for?\u003c/h5\u003e\r\nThe Capital One Quicksilver Secured card is good for those who are rebuilding from poor or fair credit and want a card that earns rewards with no foreign transaction fee.\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPR\u003c/td\u003e\r\n\u003ctd\u003e29.99% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSecurity deposit\u003c/td\u003e\r\n\u003ctd\u003e$200–$1,000 to $3,000 (depending on your creditworthiness)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3848376 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/08/Recommends_Capital-One-Quicksilver-Secured-Cash-Rewards-Credit-Card.jpg\" alt=\"\"/\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048271\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e\r\n\r\n\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003eUp until recently, secured cards and rewards cards were two totally separate products. The former lacked any sort of rewards at all, meaning anyone who took, say, a full year to rebuild their credit would be missing out on some serious cash back.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThankfully that all changed, and we now have cards like the Capital One Quicksilver Secured Cash Rewards Credit Card which offers a blanket 1.5% cash back on all other purchases. There’s a $0 annual fee, of course, and the card doesn’t even charge any foreign transaction fees. That’s a bigger deal than it sounds, because if you travel overseas while you’re rebuilding your credit, saving 3% on every single transaction will add up quickly.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe card does require a minimum $200 security deposit \u0026#8211; which certainly isn’t the lowest we’ve seen (the Platinum Secured Credit Card from Capital\u0026nbsp;One goes as low as $49 depending on your creditworthiness), but provided you don’t mind locking up that much cash, you’ll enjoy 1.5% cash back on every purchase until you rebuild your credit enough to apply for a bonafide Capital One rewards card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/capital-one-quicksilver-secured-cash-rewards-credit-card-earn-first-rate-cash-back-while-building-credit/\"\u003efull review of the Capital One Quicksilver Secured card\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMinimum of 1.5% cash back on every purchase\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eAutomatic credit line review in as few as six months\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eOpportunity to upgrade to an unsecured card\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eRequires a security deposit\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHigh APR\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is a secured credit card?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you’re new to the concept of a “secured” credit card, here’s how they work.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn a nutshell, a secured credit card is a special type of credit card that requires a refundable cash deposit, just like an apartment. In most cases, the deposit acts as your credit limit. So if you choose to make the minimum security deposit of $200, that’s the most you can spend. Then, if you fail to make on-time payments, your bank simply keeps your security deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThat virtually eliminates the risk for the bank, which is why they’re willing to provide secured credit cards to borrowers with fair to poor credit. The benefit to the cardholder is that the bank reports your payment history to the three major credit bureaus, meaning on-time payments will raise your credit score over time.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll told, secured credit cards are great win-win inventions: They enable banks to offer credit cards to borrowers who may lack the credit score for a traditional rewards card, while also giving the borrower a way to earn rewards while rebuilding their credit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo learn more, check out our running list of \u003ca href=\"https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/\"\u003ethe best secured credit cards\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCapital One Quicksilver Secured card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e1.5% cash back on every purchase\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 refundable minimum deposit (based on creditworthiness)\u003c/li\u003e\n\n\n\n\u003cli\u003eForeign transaction fee: None\u003c/li\u003e\n\n\n\n\u003cli\u003eAccount alerts, autopay, recurring transaction tracking\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"doublecash\"\u003eBest cash back card for fair credit: Citi® Double Cash Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eAs the name implies, the Citi® Double Cash Card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. You’ll also get a $200 cash back when you spend $1,500 on purchases within the first 6 months, 0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness), and amazingly, the card accepts fair credit to boot.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eCiti® Double Cash Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months and get an 18-month 0% introductory APR on balance transfers\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e18 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.24%–29.24% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3819638\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/citi-double-cash_341x215.png\" /\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e \r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e \r\n\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e \r\nWhile many rewards cards have rotating spending categories you need to track and activate, the Citi® Double Cash Card offers a simple reward structure. You\u0026#8217;ll earn a cool 2% cash back on every purchase with no caps on how much you can earn, so it\u0026#8217;s an excellent no-fee credit card for those who value simplicity. The balance transfer rate provides a cherry to this already attractive sundae.\r\n \r\n\r\n\u003c/ul\u003e \r\n\r\n\u003c/div\u003e \r\n\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" \" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e Unlimited 2% cash back on every purchase—1% at the time of the transaction and 1% when you pay your credit card bill.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard Details\u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: ID theft protection, pay over time with a Citi Flex Pay Plan\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eForeign transaction fee: 3%\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e Originally launched in 2014, the Citi® Double Cash Card was one of the first rewards cards to offer a net 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Clearly that’s a bar that’s hard to reach, since very few cards have matched it in the decade since (with one exception being our overall top pick, the Wells Fargo Active Cash® Card card).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut unlike the Active Cash card, the Citi Double Cash card actually doubles as a superb credit-building card. For starters, it splits up the 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases which encourages you to continue making on-time payments. Plus, you’ll get a $200 cash back when you spend $1,500 on purchases within the first 6 months and 0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness), both of which can help you clear out past credit card debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFinally, despite offering excellent cash back rewards, the Citi Double Cash card doesn’t require excellent credit to apply. Citi doesn’t publish the required FICO score for each of its credit scores, but numerous sources indicate that the card accepts fair (580+) or better credit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile it does charge a foreign transaction fee and the card is light on perks in general, the Citi Double Cash card’s 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases and low credit requirement make it an overall superb choice for credit-building.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more details, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/citi-double-cash-card-review/\"\u003eCiti Double Cash Card review\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns rewards\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e3% of each purchase transaction in U.S. dollars foreign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eLimited perks\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is fair credit?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIn order to define “fair” credit, let’s first recap how credit works in the first place.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you borrow money, make payments, take out multiple loan types (e.g. mortgage, credit card) and more, all of that “borrower” activity is reported to the three major credit bureaus: Equifax, Experian and TransUnion. Those companies then crunch the numbers and assign you a credit score, which is like a GPA (grade point average) for borrowers.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSince all three bureaus calculate credit a little differently, a company called FICO came along in 1989 and mushed all three together into a FICO score, which is what 90% of top lenders use today.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAs for where the term “fair” came along, FICO scores are grouped into five buckets:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u0026lt;580 = Poor\u003c/li\u003e\n\n\n\n\u003cli\u003e580 \u0026#8211; 669 = Fair\u003c/li\u003e\n\n\n\n\u003cli\u003e670 \u0026#8211; 739 = Good\u003c/li\u003e\n\n\n\n\u003cli\u003e740 \u0026#8211; 799 = Excellent\u003c/li\u003e\n\n\n\n\u003cli\u003e800+ = Exceptional\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eAccording to Equifax, borrowers with Fair credit are considered “subprime” and “high-risk” to lenders, but that doesn’t necessarily mean you can’t get a loan. For more info, check out \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-fair-credit/\"\u003eWhat is fair credit, and what does it mean if you have it?\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCiti Double Cash benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on select Citi Travel bookings\u003c/li\u003e\n\n\n\n\u003cli\u003e$200 cash back when you spend $1,500 on purchases within the first 6 months\u003c/li\u003e\n\n\n\n\u003cli\u003e0% intro APR on balance transfers for 18 months (after that, the variable APR will be 19.24%–29.24%, based on your creditworthiness)\u003c/li\u003e\n\n\n\n\u003cli\u003eCiti Entertainment, Digital Wallets and more\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"customer\"\u003eBest for customer experience: Discover it® Cash Back\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Discover it® Cash Back card offers 5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), a unique welcome bonus that doubles your total cash back for the first year and 25 slick card designs to choose from. Discover also scores high marks for customer service and the companion app is well-rated in both the App Store and Google Play.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/\"\u003eDiscover it Cash Back\u003c/a\u003e\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\nGet an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\r\n\u003cdiv tabindex=\"0\" role=\"tooltip\" aria-label=\"3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer\" data-tooltip=\"3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer\"\u003e \u003c/div\u003e\r\n\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e17.24%–28.24%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Discover-It-Cash-Back-Card.png\" alt=\"\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e 5% on quarterly rotating categories up to $1,500 per quarter, then 1%\u003c/li\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e 1% on all other purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAdditional perks: Online privacy protection, SSN monitoring and alerts\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eForeign transaction fee: None\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eLearn more \u003c/a\u003e\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e The Discover it® Cash Back card offers 5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), 0% introductory APR for 15 months from account opening (after that, the variable APR will be 17.24%–28.24%) on purchases and balance transfers (plus a low balance transfer fee—3% of the amount of each transfer for transfers that post to your account by April 10, 2024. After that, 5% of the amount of each transfer.) and it even allows you to choose from 25 slick and unique card designs ranging from a rainbow to the Manhattan skyline.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou’ll also get a unique welcome bonus in the form of Discover’s Unlimited Cashback Match. Whatever you earn in the first year, Discover will double it with no limits. So if you earn the maximum $75 cash back on up to $1,500 in spending each quarter, that’s $300 total for the year, which Discover will then double for a total of $600.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut no amount of cash back and cool designs would be worth it if the bank didn’t support its customers, and thankfully, Discover has that box checked. In J.D. Power’s 2023 U.S. Direct Banking Satisfaction Study, Discover ranked #2 overall \u0026#8211; right behind Charles Schwab, but well above all other major card issuers. Discover’s 24/7 customer support team is also 100% U.S.-based, and the bank’s smartphone app ranks 4.9 stars in the App Store and 4.5 stars in the Play Store.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSo if you’re looking for a card with high rewards potential and excellent customer support when you need it, the Discover it Cash Back is our top choice.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more with our \u003ca href=\"https://fortune.com/recommends/credit-cards/discover-it-cash-back-credit-card-review/\"\u003eDiscover it Cash Back card review\u003c/a\u003e and dig deeper into \u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-make-the-most-of-your-5-percent-cash-back-credit-cards/\"\u003ehow to use a 5% cash-back card\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEasy-to-earn welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eEarns up to 5% cash back\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eForeign transaction fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eMust activate bonus categories every quarter\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e5% categories are capped\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDiscover it Cash Back card benefits\u003c/h3\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eDiscover it Cash Back card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on up to $1,500 in combined quarterly purchases in various categories throughout the year (then 1%), 1% cashback on all other eligible purchases\u003c/li\u003e\n\n\n\n\u003cli\u003eUnlimited Cashback Match for the first year\u003c/li\u003e\n\n\n\n\u003cli\u003eDiscover and the Discover Apps rank earn high marks for customer service\u003c/li\u003e\n\n\n\n\u003cli\u003e25 card designs to choose from\u003c/li\u003e\n\n\n\n\u003cli\u003eFree overnight shipping for lost cards\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003eBefore I apply for a new rewards card, I always look to see if they have a referral bonus. Then, I poke my friends to see if anyone can send me a referral link–even if it only benefits their account and not mine. \u003ca href=\"https://fortune.com/author/chris-butsch/\"\u003e\u003cem\u003eChris Butsch, Fortune contributor\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"big-ticket\"\u003eBest for big-ticket purchases: U.S. Bank Cash+® Visa Signature® Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe U.S. Bank Cash+® Visa Signature® Card has a somewhat complex rewards structure that requires some planning and strategy, but once it clicks, you can easily save 5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter). A generous 0% introductory APR on purchases for the first 15 billing cycles, 19.74%–29.74% variable APR thereafter, $250 rewards bonus if you spend $1,000 on eligible purchases in the first 90 days and $0 fees for ExtendPay plans can also help you finance a major purchase.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eU.S. Bank Cash+ Visa Signature\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro bonus\u003c/h5\u003e\r\nEarn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening\r\n\r\n\u003c/section\u003e\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% balance transfer term\u003c/td\u003e\r\n\u003ctd\u003e15 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eBalance transfer fee\u003c/td\u003e\r\n\u003ctd\u003e3%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e19.49% to 29.74%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone size-medium wp-image-3836332\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_US-Bank-Cash-Card.jpg\" alt=\"\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eRewards Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e\r\n5% cash back on two choice categories\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e5x\u003c/span\u003e\r\n5% cash back on travel booked directly through U.S. Bank\u0026#8217;s Travel Center\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e\r\n2% cash back on one everyday category\u003c/li\u003e\r\n \t\u003cli\u003e\u003cspan class=\"circle\"\u003e1x\u003c/span\u003e\r\n1% on all other purchases\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- panel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003ePros and Cons \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\u003cstyle\u003e\r\n\t\t\t\t\tN/A\u003cbr /\u003e\t\t\t\t\u003c/style\u003e\r\n\u003cdiv class=\"pros_cons\"\u003e\r\n\u003cdiv\u003e\r\n\u003ch3\u003ePros\u003c/h3\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eNo annual fee\u003c/li\u003e\r\n \t\u003cli\u003eEasy-to-earn welcome bonus\u003c/li\u003e\r\n \t\u003cli\u003eEarns up to 5% cash back\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003cdiv\u003e\r\n\u003ch3\u003eCons\u003c/h3\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eForeign transaction fee\u003c/li\u003e\r\n \t\u003cli\u003eManaging categories can be confusing\u003c/li\u003e\r\n \t\u003cli\u003e5% and 2% categories are capped\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e\r\n\u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e\r\n\u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003eCard details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\r\n\r\n\u003cul\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eAdditional perks: Extended payment plan\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003eForeign transaction fee: 3%\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\r\n\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/credit-cards/chase-freedom-flex-credit-card-review/\" target=\"_blank\" rel=\"noopener\"\u003eLearn more \u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e While the U.S. Bank Cash+® Visa Signature® Card has one of the most complex rewards structures we’ve ever seen, once you understand how it all works you realize the card is excellent for financing big retail purchases.\u0026nbsp; \u003c/p\u003e\n\n\n\n\u003cp\u003eTo start, the card offers 5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter). The options are:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eFast food\u003c/li\u003e\n\n\n\n\u003cli\u003eHome utilities\u003c/li\u003e\n\n\n\n\u003cli\u003eTV, internet and streaming\u003c/li\u003e\n\n\n\n\u003cli\u003eDepartment stores\u003c/li\u003e\n\n\n\n\u003cli\u003eCell phone\u003c/li\u003e\n\n\n\n\u003cli\u003eElectronic stores\u003c/li\u003e\n\n\n\n\u003cli\u003eSporting goods stores\u003c/li\u003e\n\n\n\n\u003cli\u003eGyms/fitness centers\u003c/li\u003e\n\n\n\n\u003cli\u003eGround transportation\u003c/li\u003e\n\n\n\n\u003cli\u003eMovie theaters\u003c/li\u003e\n\n\n\n\u003cli\u003eFurniture stores\u003c/li\u003e\n\n\n\n\u003cli\u003eSelect clothing stores\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eWhile the absence of any airlines or hotels is a bummer for travelers, getting 5% cash back on home utilities, big electronics (e.g. laptops, TVs) or furniture each quarter could be a big money-saver for families and homeowners. You’ll also get 2% cash back on one everyday category, such as gas stations or grocery stores and 1% cash back on all other eligible purchase.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen it comes to financing your big purchase, the Cash+ card also offers 0% introductory APR on balance transfers for the first 15 billing cycles, 19.74%–29.74% variable APR thereafter on purchases and balance transfers. The card also waives your fee for opening an ExtendPay Plan within 60 days, which allows you to finance your big purchase in fixed, zero-interest monthly installments. Toss in a $250 rewards bonus if you spend $1,000 on eligible purchases in the first 90 days, and you’ve got a cash back rewards card that massively rewards anyone who overcomes its learning curve.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo dig deeper, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/us-bank-cash-plus-visa-signature-review/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eU.S. Bank Cash+ card review\u003c/a\u003e. \u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eIntroductory 0% APR\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCompetitive rewards rate\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eRequires more time and effort to manage rewards\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHighest rewards rate is capped at $2,000 in combined quarterly purchases\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eU.S. Bank Cash+ Card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on 2 categories of their choice ($2,000 purchase limit per quarter)\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on online shopping purchases made through the Rewards Center or the Rewards Center browser extension\u003c/li\u003e\n\n\n\n\u003cli\u003e5X on prepaid travel booked through the Rewards Center\u003c/li\u003e\n\n\n\n\u003cli\u003e2% cash back on one everyday category, such as gas stations or grocery stores\u003c/li\u003e\n\n\n\n\u003cli\u003e1% cash back on all other eligible purchase\u003c/li\u003e\n\n\n\n\u003cli\u003e0% introductory APR on purchases and balance transfers for the first 15 billing cycles,19.74%–29.74% variable APR thereafter on purchases and balance transfers\u003c/li\u003e\n\n\n\n\u003cli\u003e$0 fee on ExtendPay Plans opened within 60 days\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003eLearn more: \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-0-apr-credit-card/\"\u003eWhat is a 0% APR credit card, and why should you care?\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bluebuscash\"\u003eBest small business cash back card: American Express Blue Business Cash™ Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eRather than force you into restrictive, mostly old-school rewards categories like “office supplies” and “cable,” the American Express Blue Business Cash™ Card simply offers 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%). \u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, enjoy a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months, and a 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%. Toss in a handy box of expense-tracking tools and you have a superb and highly flexible small business rewards card.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 class=\"card-title\"\u003eAmerican Express Blue Business Cash™ Card\u003c/h4\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch5\u003eIntro Bonus\u003c/h5\u003e\r\n$250 statement credit after you make $3,000 in purchases on your card in your first 3 months\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e0% intro offer\u003c/td\u003e\r\n\u003ctd\u003e0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e17.74%–25.74% variable\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26687203\u0026#038;tid=3700969\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3850829 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/The-American-Express-Blue-Business-Cash.png\"/\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26687203\u0026#038;tid=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion four-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e Our Take \u003c/label\u003e\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%), with no annual fee, making it lucrative for small businesses. However, businesses exceeding the $50,000 spending cap per calendar year will earn a reduced cashback rate of 1% on the remainder, and it may offer fewer perks compared to some other business credit cards.\r\n \u003c/div\u003e\r\n\r\n\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eRewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch5 class=\"card-rates-title\"\u003eReward Rates\u003c/h5\u003e\r\n\u003cul class=\"card-rates-list\"\u003e\r\n\u003cli\u003e\u003cspan class=\"circle\"\u003e2x\u003c/span\u003e2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)\u003c/li\u003e\r\n\u003cli\u003e\u003cem\u003eTo view rates and fees of American Express Blue Business Cash™ Card, see \u003ca href=\"https://oc.brcclx.com/t?lid=26687216\u0026#038;tid=3700969-90\" target=\"_blank\" rel=\"noopener nofollow\"\u003erates and fees.\u003c/a\u003e\u003c/em\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\r\n\u003c!-- pannel 4 --\u003e \u003cinput id=\"control3-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content3-[ID]\" /\u003e \u003clabel id=\"label3-[ID]\" tabindex=\"0\" role=\"button\" for=\"control3-[ID]\"\u003eCard Details \u003c/label\u003e\r\n\u003cdiv id=\"content3-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label3-[ID]\"\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAbility to spend beyond credit limit\u003c/li\u003e\r\n\u003cli\u003ePurchase protection\u003c/li\u003e\r\n\u003cli\u003eFree employee cards\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"href=\"https://oc.brcclx.com/t?lid=26687203\u0026#038;tid=[dynamic]post-id[/dynamic]-89\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e For years, business rewards cards tended to offer rewards that were, for lack of a better term, “old school.” You might get 3X on office supplies, cable bills and shipping, and for a medium-sized business in a traditional office setting, those rewards categories might work out just fine.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut most small businesses need far more flexible rewards, which is why we like how the Amex Blue Business Cash card does things. You’ll simply get 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%) plus a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months. Sure, the 2% only applies to the first $50,000 in spending each year (it drops to 1% thereafter), but most small businesses with fewer than 10 employees probably won’t reach that limit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd those that really do spend $50,000+ each year can always pair the Blue Business Cash with a \u003ca href=\"https://fortune.com/recommends/credit-cards/best-business-credit-cards/\"\u003epremium-tier business rewards card\u003c/a\u003e for maximum rewards.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCircling back to the Blue Biz Cash, we also like how the card comes with 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% \u0026#8211; which can essentially act as a free small business loan \u0026#8211; and an Expanded Buying Power feature which allows you to spend beyond your credit limit and adds the surplus to your minimum payment next month. * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.\u003c/p\u003e\n\n\n\n\u003cp\u003eLast but certainly not least, the card also comes with a litany of helpful accounting tools like QuickBooks integration, Vendor Pay by Bill.com and a detailed Year-End Summary. It may lack travel rewards or 3X categories, but for straightforward cash back, it’s the business rewards card to beat.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor more, check out our \u003ca href=\"https://fortune.com/recommends/credit-cards/american-express-blue-business-cash-review-maximize-business-spending-with-2-cash-back-rewards-and-no-annual-fee/\"\u003eAmex Blue Business Cash card review\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers a lucrative welcome bonus for a cash back card\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e$0 annual fee\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eHas a high spending requirement to earn the full welcome bonus\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eAll spending after $50,000 per calendar earns just 1% cash back\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCar rental loss and damage insurance coverage is only secondary\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAmex Blue Business Cash Card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003e2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)\u003c/li\u003e\n\n\n\n\u003cli\u003e$250 statement credit after you make $3,000 in purchases on your card in your first 3 months\u003c/li\u003e\n\n\n\n\u003cli\u003eEmployee cards at no extra cost\u003c/li\u003e\n\n\n\n\u003cli\u003eQuickBooks integration\u003c/li\u003e\n\n\n\n\u003cli\u003eVendor Pay by Bill.com\u003c/li\u003e\n\n\n\n\u003cli\u003eRental car insurance\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended warranty protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cp id=\"16\"\u003e\u003cem\u003eTo view rates and fees of the American Express Blue Business Cash™ Card see \u003ca href=\"https://oc.brcclx.com/t?lid=26687216\u0026amp;tid=3700969\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003ethis page\u003c/a\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"InkBusUnlimited\"\u003eBest business cash back card for large purchases: Ink Business Unlimited® Credit Card\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Ink Business Unlimited® Credit Card is an excellent card for financing a big business purchase since it offers unlimited 1.5% cash back on every purchase, extended warranty and purchase protection and an unheard-of $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 class=\"card-title\"\u003eInk Business Unlimited® Credit Card\u003c/h3\u003e\r\n\u003csection class=\"card-intro\"\u003e\r\n\u003ch4\u003eIntro bonus\u003c/h4\u003e\r\nEarn $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening. Plus 0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)\u003c/section\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAnnual fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eRegular APR\u003c/td\u003e\r\n\u003ctd\u003e17.99%–23.99% variable APR\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003ca href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113\u0026#038;src=692824\u0026#038;var2=3700969\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3791969 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Ink-Business-Unlimited.png\" alt=\"\"/\u003e\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"link-desktop\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/div\u003e \r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eOur Take\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nWhile some cards boast higher cash back rates than the Chase Ink Business Unlimited® Credit Card, the higher rate typically applies to certain categories, and they have monthly or quarterly caps. By contrast, the Chase Ink Business Unlimited® Card—true to its name—offers unlimited 1.5% cash back on every purchase you make for your business.\u003c/div\u003e\r\n\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e Rewards \u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003ch4 class=\"card-rates-title\"\u003eRewards Rates\u003c/h4\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eEarn unlimited 1.5% cash back on every purchase.\u003c/li\u003e\r\n\u003cli\u003eGet 5% cash back on Lyft rides through March 2025.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 3 --\u003e \u003cinput id=\"control2-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content2-[ID]\" /\u003e \u003clabel id=\"label2-[ID]\" tabindex=\"0\" role=\"button\" for=\"control2-[ID]\"\u003e Card details \u003c/label\u003e\r\n\u003cdiv id=\"content2-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label2-[ID]\"\u003e\r\n\u003cul\u003e\u003cli\u003eUnited perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card\u003c/li\u003e\r\n\u003cli\u003eAdditional perks: Free employee cards, purchase protection, auto rental collision damage waiver, extended warranty\u003c/li\u003e\r\n\u003cli\u003eForeign transaction fee: 3% of the amount of each transaction in U.S. dollars\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"link-mobile\" href=\"https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048113\u0026#038;src=692824\u0026#038;var2=3700969\" target=\"_blank\" rel=\"noopener nofollow\"\u003eLearn More \u003c/a\u003e \r\n\u003cp class=\"cta-caption\"\u003eat Cardratings.com\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we like this card:\u003c/strong\u003e On paper, the Ink Business Unlimited® Credit Card appears to fall short of the Amex Blue Business Cash card since it offers unlimited 1.5% cash back on every purchase to the latter’s 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%). But the Chase card has two big tricks up its sleeve that give it a major edge and make it the superior choice for big purchases.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor starters, the Ink Business Unlimited card offers a staggering $750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening, which is simply unheard of for a rewards card charging a $0 annual fee. To provide some perspective, the Chase Sapphire Reserve card offers a welcome bonus of “just” 60,000 points \u0026#8211; and that card has a $550 annual fee.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe caveat is that you have to spend $6,000 within three months to earn it, but if you have a big purchase coming up, the spending requirement shouldn’t be too hard to reach. Plus, if you make a big purchase on your Ink Business Unlimited card, it’ll automatically be enshrouded in both Purchase Protection (up to $10,000 per claim) and Extended Warranty Protection, provided the manufacturer’s warranty period is three years or less.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOnce you earn your 75,000-point welcome bonus, the Ink Business Unlimited card’s second big trick comes into play. If you read the section of this article on “How to combine Ultimate Rewards points” above, you’ll know that you can move Chase Ultimate Rewards points from one card to another where they suddenly have more value. Specifically, you could move your 75,000-point welcome bonus to your Chase Sapphire Preferred account where it’s worth $937.50 in travel redemption \u0026#8211; or your Chase Sapphire Reserve account where it’s worth an eye-watering $1,125.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSo when you consider the unlimited 1.5% cash back on every purchase, 0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%), extensive purchase protection and insane welcome bonus, you can see how the Ink Business Unlimited is an excellent choice for the small business owner with a big expense coming up.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnlimited flat cash back rate\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCar rental protection\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003e0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eCharges foreign transaction fees\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eLimited travel benefits\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo balance transfer\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCan you get a business card with a side hustle?\u003c/h3\u003e\n\n\n\n\u003cp\u003eYes.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTo expand on that a bit, one of the most frequently-asked questions about business rewards cards is: what exactly do you need to apply for one? Do you need a legally registered LLC? An S Corporation? A picture of yourself on the cover of Fortune Magazine?\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe answer is: none of the above. In fact, most of the time you don’t need a “business” in the traditional sense at all. Many business rewards cards, the Chase Ink Business Unlimited included, allow you to apply as a sole proprietor by using your full legal name and SSN. So yes, you can get a business card with a side hustle.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOnce you get your business rewards card, one thing to keep in mind is that most cardmember agreements require you to use the card—and even the points you earn with it—for business purposes only. And technically speaking, any violation of your cardmember agreement can be grounds for terminating your account (and all of your points with it).\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile we’ve rarely heard of anyone having their business card account terminated for mixing in personal expenses, you may still want to keep business and personal expenses separate to make tracking your budget and filing your taxes much easier come April.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eChase Ink Business Unlimited Card benefits\u003c/h3\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eChase Ink Business Unlimited Card benefits\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e$0 annual fee\u003c/li\u003e\n\n\n\n\u003cli\u003eGet unlimited 1.5% cash back on every purchase\u003c/li\u003e\n\n\n\n\u003cli\u003e5% cash back on Lyft rides through March 2025\u003c/li\u003e\n\n\n\n\u003cli\u003e$750 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening\u003c/li\u003e\n\n\n\n\u003cli\u003e0% introductory purchase APR for 12 months from account opening (after that, the variable APR will be 17.99%–23.99%)\u003c/li\u003e\n\n\n\n\u003cli\u003eEmployee cards at no extra cost\u003c/li\u003e\n\n\n\n\u003cli\u003ePurchase protection\u003c/li\u003e\n\n\n\n\u003cli\u003eExtended Warranty protection\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"What-is-a-cash-back\"\u003eWhat is a cash back credit card?\u003c/h2\u003e\n\n\n\n\u003cp\u003eA cash back credit card is a type of credit card that allows users to earn a percentage of their spending back in the form of cash rewards. Depending on the card, cash back rewards can be a flat rate (e.g., 1.5% on all purchases) or can vary by purchase category (e.g., 3% on dining, 2% on groceries, and 1% on all other purchases). Some cards may also offer promotional periods with higher cash back percentages or bonuses for spending certain amounts within a specified timeframe. \u003ca href=\"https://fortune.com/recommends/credit-cards/how-cash-back-credit-cards-work/\"\u003eLearn more about how cash back cards work\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"cash-back-credit-card\"\u003eCan you get cash back with a credit card?\u003c/h2\u003e\n\n\n\n\u003cp\u003eYes many credit cards offer cash back, where you earn a percentage of your purchases back as a reward. For example, a card might offer 1% cash back on all purchases. If you spend $100, you\u0026#8217;d earn $1 back in rewards.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOver time, these rewards add up and can be redeemed in various ways, such as a statement credit, check, or deposit into a bank account. However, it\u0026#8217;s essential for cardholders to be aware of any potential annual fees, interest rates, and reward expiration or limitations to ensure they maximize the benefits while minimizing costs.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose a cash back credit card\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo find the right cash back credit card for maximum rewards, start by asking yourself a few pertinent questions:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eWhat is my credit score? \u003c/strong\u003eMore than anything else, your credit score will dictate which cash back cards you can apply for. If your credit score is below 670, you may want to start with a credit-building cash back card like the Capital One Quicksilver Secured or Chase Freedom Rise.\u003cbr\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eHow much do I plan to put on a credit card each month? \u003c/strong\u003eThis oft-overlooked question helps to ensure that you’ll actually earn your welcome bonus. To illustrate, if you only plan to put ~$500 per month on your new cash back card, you probably shouldn’t apply for a card that requires $6,000 worth of spending within three months to earn its welcome bonus. \u003cstrong\u003e\u003cbr\u003e\u003c/strong\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWhat purchase categories (e.g. dining, airfare, gas, groceries) do I spend the most on? \u003c/strong\u003eIt’s always better to make the card fit your spending habits than the other way around. Once you determine where you’re spending the most each month (travel? Groceries? Eating out?) you can find the right cash back card to maximize your rewards. If you don’t really have any big spending categories, a flat rate cash back card might be ideal. \u003cstrong\u003e\u003cbr\u003e\u003c/strong\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDo I need multiple cash back cards? \u003c/strong\u003eFinally, it’s worth remembering that it’s totally fine, and frankly, quite advantageous, to have multiple cash back cards in your wallet. The Chase Trifecta (detailed above) is a great example of how multiple cards can work together in tandem for maximum rewards on virtually every purchase. Just keep in mind that applying for multiple cards at once will definitely impact your credit, \u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-build-and-improve-your-credit-score/\"\u003ebut we can help you rebuild it\u003c/a\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003ePros and cons of cash back credit cards\u003c/h2\u003e\n\n\n\n\u003cp\u003eOn paper, a credit card that pays you to use it seems like a pretty flawless invention. Still, cash back cards aren’t perfect and there are numerous caveats to consider before applying for one.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHere’s a quick recap of things to like—and things to consider—about today’s cash back credit cards.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cb\u003eNo annual fee: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eMost cash back rewards cards charge no annual fee. Those that do, like the Chase Sapphire Preferred, typically offer elevated rewards and welcome bonuses to compensate.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003eUp to 2% cash back on all purchases: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eBoth the Wells Fargo Active Cash and Citi Double Cash cards offer net 2% cash back on all purchases, among others.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003e0% intro APR: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf a cash back rewards card charges no annual fee, there’s a good chance it offers 0% APR on purchases and/or balance transfers for 12+ months as well. That means you can finance a medium-sized purchase or \u003c/span\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-balance-transfer/\"\u003e\u003cspan style=\"font-weight: 400;\"\u003epay off old credit card debt\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e interest free for a limited period of time.\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cb\u003eHigh credit requirement: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe best cash back rewards cards typically require a FICO score of 670 or higher. There are cards out there specifically dedicated to helping you build (or rebuild) credit, but their perks and rewards typically aren’t as robust as a full-fledged rewards card.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003eExtremely high regular APR: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eOnce your 0% APR period runs out, the regular APR on these cards can range anywhere from ~18% to 29.99%. While that may sound normal for a credit card, it’s still extremely high for any type of loan. For context, the average APR on a personal loan was 12.49% in February 2024 according to Credible.\u003c/span\u003e\u003c/li\u003e\n\u003cli\u003e\u003cb\u003ePoints vs. cash back can be confusing: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome cash back cards generate rewards points (e.g. Chase Freedom Flex/Unlimited) while others generate straight cash back (e.g. Amex Blue Business Cash). Points are often better since you tend to have more redemption options, but not all points are worth a penny each when redeemed for cash (Amex Membership Rewards Points and Capital One Venture Miles are two notorious examples).\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"types\"\u003eTypes of cash back credit cards\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are three main types of cash back credit cards: flat rate, bonus category and rotating category. Here’s a quick recap of how each one works and what it’s best for:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eFlat rate\u003c/h4\u003e\n\n\n\n\u003cp\u003eFlat rate cards like the Wells Fargo Active Cash card offer a standard 1.5% or 2% cash back (or 1.5X to 2X points) on all purchases. Cards like these are handy for maximizing rewards on purchases that don’t fall into other bonus or rotating rewards categories.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThey’re also ideal for setting as your default method of payment in most places, as well as those moments when you reach the register and can’t recall which card you “should” use for maximum rewards. In those moments, shrugging and pulling out your flat rate card is a great way to reduce FOMO, since you’ll have the peace of mind knowing you scored at least 2%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eBonus category\u003c/h4\u003e\n\n\n\n\u003cp\u003eBonus category cards like the Capital One Savor Cash Rewards typically offer 2% to 5% cash back (or 2X to 5X points) on various static rewards categories, plus 1% cash back on everything else. Some of the most common bonus categories you’ll see are dining, gas, travel, entertainment, streaming, drug stores, Amazon and more.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBonus category cards are immensely useful if you’re already spending a lot of money within one of those typical purchase categories. For example, if you’re a foodie who spends $1,000 on dining out each month, a Savor Cash Rewards card instead of a 1.5% flat rate card could net you an extra $180 cash back each year—just enough to cover steak night.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eRotating category\u003c/h4\u003e\n\n\n\n\u003cp\u003eRotating category rewards cards like the Chase Freedom Flex offer 5X or 5% cash back within purchase categories that rotate every quarter (three months) of the calendar year. To illustrate, the Flex currently offers 5X on gas stations, EV charging, select live entertainment and movie theaters from July 1st through September 30, 2024. During Q2 the categories were Amazon.com, Hotels and Restaurants.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eRotating category rewards cards are a great compliment to your flat rate card since they instantly boost your earnings rate on select purchases to 5X while charging no annual fee. While you’ll typically only earn 5X on the first $1,500 of spending each quarter (aka $75 cash back total), that’s still $52.50 per quarter or $210 per year more than you’d earn with a 1.5% cash back card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what\"\u003eWhat is a 0% intro APR?\u003c/h2\u003e\n\n\n\n\u003cp\u003eLet’s break down 0% intro APR piece-by-piece, starting with APR itself.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAPR (Annual Percentage Rate) is a combination of your interest rate plus fees, expressed as a single percentage. The Truth in Lending Act requires lenders to use APR instead of interest rates for transparency \u0026#8211; otherwise, sketchy lenders could lure you in with a low interest rate just to pepper you with hidden loan fees later on.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSince credit cards are forms of unsecured loans, they almost always come with extremely high APRs in the range of 18% to 29.99%. To put those numbers into context, if you have a $5,000 loan at 29.99% APR and are making $125 monthly payments, it’ll take you 27 years and $35,543.53 in interest alone to fully pay off your debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eNeedless to say, credit card interest can quickly spiral out of control, which is why 0% intro APR has become a common perk with today’s credit cards. With 12 or more months of 0% APR, you can carry a balance on your credit card without any interest piling up. Then, as long as you fully pay off your credit card before the 0% APR period ends, you won’t have to pay a dime in interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to new purchases, some cash back cards also offer 0% APR on balance transfers. This means you can move a balance from your old credit card onto your new one (often for an unavoidable 3-5% or $5 min. fee) and then slowly pay it off without additional interest accruing on the balance.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile 0% APR can buy you some time to pay off debt, it’s not without its drawbacks. For one thing, carrying a large credit card balance can still negatively impact your credit score. Plus, if you’re unable to pay off your debt before the 0% intro APR period ends, you’ll be hammered by double-digit APR overnight on the remaining balance, which could send you into spiraling debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut with careful planning and a debt repayment strategy in place, 0% intro APR can be a massively helpful tool. Learn more in our full explainer on \u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-apr-on-a-credit-card/\"\u003eAPR and how it works\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"balance-transfer\"\u003eWhat is a balance transfer?\u003c/h2\u003e\n\n\n\n\u003cp\u003eIn a nutshell, a balance transfer is when you take the statement balance from one credit card account and move it to another.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eA balance transfer makes the most sense when you’re moving debt from a card with regular APR to a card with 0% APR so you can save on interest. To put some numbers on the board, let’s say you have a credit card with a $5,000 balance and 27.49% APR. Since you’re only able to make $300 monthly payments, it will take you 22 months and $1,370.26 in interest alone to pay off the balance. Ouch.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlternatively, let’s say you apply for the Citi Double Cash card which offers 0% APR on balance transfers for 18 months. Once you’re approved, you perform a balance transfer of $5,000 for a 3% fee ($150). Sure, the balance transfer fee kinda stings, but consider this: you now have 18 months to pay off your debt without a dime of interest accruing. By making the same $300 monthly payments, you’ll wipe out your debt nearly five months faster and save $1,220.26 total, even after the $150 balance transfer fee.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSince balance transfers have become such a popular form of debt consolidation, there are now numerous credit cards on the market specifically designed to help facilitate balance transfers. Some even offer up to 21 months of 0% APR to help pay off your debt.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor a list of our top picks, check out \u003ca href=\"https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/\"\u003ethe best balance transfer cards\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"foreign\"\u003eWhat is a foreign transaction fee?\u003c/h2\u003e\n\n\n\n\u003cp\u003eA foreign transaction fee, sometimes abbreviated as FX, is a fee your bank charges if a transaction involves a non-U.S. bank, a foreign currency or both. Foreign transaction fees can range anywhere from 1% to 5% of the transaction amount, but the most typical FX fee you’ll see is 3%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile that may sound like a minor nuisance, FX fees can rapidly add up while you’re traveling and spending overseas. To illustrate, imagine booking a $3,000 hotel in Vienna thinking you’re getting $150 cash back on hotels,\u0026nbsp; when in reality, you get hit with a $90 FX fee instead.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThat’s why having zero foreign transaction fees is a major, borderline essential perk for a cash back card that you plan to use overseas. For the most part, travel rewards cards with an annual fee attached won’t charge you foreign transaction fees, but there’s a rising number of no-fee cards that waive FX fees as well (e.g. the Capital One Savor Cash Rewards card, listed above).\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBut if you’re traveling next week and there’s no time to get a card with no FX fees, here are two short-term ways to avoid paying them:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003col\u003e\n\u003cli\u003eGrab cash in the U.S. before you leave, and/or\u003c/li\u003e\n\n\n\n\u003cli\u003eAsk one of your travel companions with a travel rewards card if they don’t mind covering your charges provided you PayPal/Venmo them immediately after. While this involves some trust (and probably isn’t appropriate in a professional setting), some travel companions may relish the chance to earn extra points on your transactions.\u003c/li\u003e\n\u003c/ol\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faq\"\u003eFrequently Asked Questions\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre cash back cards a good idea?\u003c/summary\u003e\n\u003ch3 class=\"wp-block-heading\"\u003eAre cash back cards a good idea?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway. However, if you struggle with debt and paying your credit card bill on time, it’s a good idea to avoid credit cards in general.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat credit card gives you 3% back?\u003c/summary\u003e\n\u003cp\u003eThere aren’t any credit cards that provide a flat 3% back across the board. However, several cards offer 3% back in certain spending categories, including the Amex EveryDay® Preferred Credit Card, Bank of America® Customized Cash Rewards Credit Card, and Capital One Savor Cash Rewards.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow do you get 5% cash back on everything?\u003c/summary\u003e\n\u003cp\u003eThere is no cash back card that provides 5% back on all purchases. However, several cards offer 5% cash back on popular spending categories like groceries and gas, including the US Bank Cash+\u0026nbsp; Visa Signature ® Card, Credit One Bank Platinum X5 Visa, and Discover it Cash Back card.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow much is 1.5% cash back on $1,000?\u003c/summary\u003e\n\u003cp\u003eIf you spend $1,000 in eligible purchases on a card that offers 1.5% back, you’d earn $15 in cash back.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs there a downside to cash back?\u003c/summary\u003e\n\u003cp\u003eThere is no downside to earning cash back. However, it’s not a good idea to spend money on a credit card that you can’t afford to pay back just to earn cash back. Missing payments results in late fees and harm to your credit.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eOur methodology\u003cstrong\u003e\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo bring you our top picks for the best cash back credit cards, the Fortune Recommends\u003csup\u003e\u003cfont size=\"1\"\u003eTM\u003c/font\u003e\u003c/sup\u003e team compared approximately 40 cash back rewards cards available from major issuers.\u0026nbsp;To learn more about how we rate credit cards, see our \u003ca href=\"https://fortune.com/fortune-recommends-credit-card-methodology/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003ecredit cards methodology\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eWe ranked each account in these nine core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAnnual fee (10%):\u003c/strong\u003e Some credit cards charge an annual fee, which can range from $50 to several hundred dollars. Usually, the more valuable the rewards and perks associated with a card, the higher the annual fee. However, many cards do not charge a fee at all. Fee-free cards were prioritized in our rankings.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBase rewards rate (15%): \u003c/strong\u003eThis is the minimum amount of cash back awarded on everyday purchases, not considering any specific or rotating categories that may earn a higher rewards rate.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWelcome bonus (15%): \u003c/strong\u003eIt’s common for credit card issuers to entice new customers by offering a bonus when they spend a certain amount of money within a few months after opening an account.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e0% APR intro term (15%): \u003c/strong\u003eAnother feature that some card issuers offer to attract new business is an introductory period when the APR is 0%, meaning you won’t accrue any interest charges on purchases or balance transfers during this time (though balance transfers may be subject to fees). After this period, the interest rate reverts to the regular purchase APR on new charges.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePurchase APR (20%):\u003c/strong\u003e We examined the lowest available rate (10%) and highest available rate (10%) on regular purchases. (The exact interest rate you’re offered within that range will depend on your individual credit and financial profile).\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eForeign transaction fee (5%): \u003c/strong\u003eSome credit cards charge a fee for transactions made overseas. Cards that charge foreign transaction fees were docked in our rankings.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eStatement credits (5%): \u003c/strong\u003eA handful of cash back cards also offer monthly, quarterly, or annual statement credits to offset the cost of certain purchases.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service (5%):\u003c/strong\u003e We included the J.D. Power 2022 U.S. Credit Card Satisfaction rating for all card issuers.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eConsumer benefits (5%): \u003c/strong\u003eCards were awarded 0–4 points based on which consumer benefits/protections were included: purchase protection, extended warranty, cell phone insurance, car rental/trip insurance.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (5%):\u003c/strong\u003e We averaged the star rating for each issuer’s mobile app in the Apple Store and Google Play.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eKeep in mind that the rewards, interest rates, and fee structures for the cards mentioned are available for limited periods and subject to change, which could impact how much cash back you earn. Additionally, only cards with an explicit cash back rate were considered; cards offering points or other non-cash back rewards were excluded from our rankings.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eFortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003ePlease note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp style=\"font-size:16px\"\u003e\u003cem\u003eEligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit\u0026nbsp;\u003ca href=\"http://americanexpress.com/benefits\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eamericanexpress.com/benefits\u003c/a\u003e\u0026nbsp;guide for more details. Underwritten by Amex Assurance Company.\u003c/em\u003e\u003c/p\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eHelp your travel dollars go farther with the \u003ca href=\"https://fortune.com/recommends/credit-cards/best-travel-credit-cards/\"\u003ebest travel credit cards\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eFly the friendly skies with the \u003ca href=\"https://fortune.com/recommends/credit-cards/best-airline-credit-cards/\"\u003ebest airline credit cards\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/credit-cards/best-hotel-credit-cards/\"\u003ebest hotel cards\u003c/a\u003e earn you more on each night you book.\u003c/li\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/\"\u003ebest cash back credit cards\u003c/a\u003e give you cash back on every purchase.\u003c/li\u003e\r\n\u003cli\u003eDo you have bad credit or no credit? Consider applying for a \u003ca href=\"https://fortune.com/recommends/credit-cards/the-best-secured-credit-cards/\"\u003esecured credit card\u003c/a\u003e.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3700969,"dateGmt":"2024-07-31T14:22:54","dek":"","description":"These cash back credit cards can put hundreds of dollars back in your pocket.","faq":[{"answer":"If you rely on credit cards to manage your expenses, using a cash back card is a smart way to earn money back on the spending you have to do anyway. However, if you struggle with debt and paying your credit card bill on time, it’s a good idea to avoid credit cards in general.","question":"Are cash back cards a good idea?","__typename":"FaqField"},{"answer":"There aren’t any credit cards that provide a flat 3% back across the board. However, several cards offer 3% back in certain spending categories, including the Amex EveryDay® Preferred Credit Card, Bank of America® Customized Cash Rewards Credit Card, and Capital One SavorOne Rewards.","question":"What credit card gives you 3% back?","__typename":"FaqField"},{"answer":"There is no cash back card that provides 5% back on all purchases. However, several cards offer 5% cash back on popular spending categories like groceries and gas, including the US Bank Cash+ Visa Signature ® Card, Credit One Bank Platinum X5 Visa, and Discover it Cash Back card.","question":"How do you get 5% cash back on everything?","__typename":"FaqField"},{"answer":"If you spend $1,000 in eligible purchases on a card that offers 1.5% back, you’d earn $15 in cash back.","question":"How much is 1.5% cash back on $1,000?","__typename":"FaqField"},{"answer":"There is no downside to earning cash back. However, it’s not a good idea to spend money on a credit card that you can’t afford to pay back just to earn cash back. Missing payments results in late fees and harm to your credit.","question":"Is there a downside to cash back?","__typename":"FaqField"}],"featuredMediaType":"no_video","floatingNavContent":"\u003cul\u003e\n\u003cli\u003eBest cash back credit cards\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#best-overall\"\u003e\u003cstrong\u003eBest no annual fee cash back card:\u003c/strong\u003e Wells Fargo Active Cash® Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#value\"\u003e\u003cstrong\u003eBest for maximizing rewards: \u003c/strong\u003eChase Freedom Unlimited®\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#cfo\"\u003e\u003cstrong\u003eBest for the rotating category card:\u003c/strong\u003e Chase Freedom Flex℠\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#foodies\"\u003e\u003cstrong\u003eBest for dining: \u003c/strong\u003eCapital One Savor Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bluecash\"\u003e\u003cstrong\u003eBest for groceries: \u003c/strong\u003eBlue Cash Preferred® Card from American Express\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#rise\"\u003e\u003cstrong\u003eBest for people new to credit:\u003c/strong\u003e Chase Freedom Rise®\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#best-travel\"\u003e\u003cstrong\u003eBest travel credit card for cash back:\u003c/strong\u003e Chase Sapphire Preferred® Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#quicksilver\"\u003e\u003cstrong\u003eBest for bad credit:\u003c/strong\u003e Capital One Quicksilver Secured Cash Rewards Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#doublecash\"\u003e\u003cstrong\u003eBest for fair credit:\u003c/strong\u003e Citi® Double Cash Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#customer\"\u003e\u003cstrong\u003eBest for customer experience: \u003c/strong\u003eDiscover it® Cash Back\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#big-ticket\"\u003e\u003cstrong\u003eBest for big-ticket purchases:\u003c/strong\u003e U.S. Bank Cash+® Visa Signature® Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bluebuscash\"\u003e\u003cstrong\u003eBest small business cash back card:\u003c/strong\u003e American Express Blue Business Cash™ Card\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#InkBusUnlimited\"\u003e\u003cstrong\u003eBest business cash back card for large purchases:\u003c/strong\u003e Ink Business Unlimited® Credit Card\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#What-is-a-cash-back\"\u003eWhat is a cash back credit card?\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#cash-back-credit-card\"\u003eCan you get cash back with a credit card?\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose a cash back credit card\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#pros-and-cons\"\u003ePros and cons of cash back credit cards\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#types\"\u003eTypes of cash back credit cards\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#what\"\u003eWhat is a 0% intro APR?\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#balance-transfer\"\u003e\u003cstrong\u003eWhat is a balance transfer?\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#foreign\"\u003e\u003cstrong\u003eWhat is a foreign transaction fee?\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"#faq\"\u003eFrequently Asked Questions\u003c/a\u003e\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNzAwOTY5","image":"https://fortune.com/img-assets/wp-content/uploads/2022/12/Recommends_Best-Cash-Back-Credit-Cards.png?resize=1200,600","imageCaption":"These credit cards reward you for your everyday spending.","imageCredit":"Illustration by Tim Boelaars","keywords":"","link":"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/","metaTitle":"12 best cash back credit cards of November 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Previously, Dia was a managing editor on the credit cards and travel rewards team at Forbes Advisor. 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