Ranked by First Year Value Cash Back Credit Card Rankings

Truly objective card rankings built on math, not paid placements. Customize by what matters to you and save your personalized rankings with a free, forever account.
Bonus Points
200,000
Minimum Spend
$30,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$150

Differentiating Perks

Unlimited 2% Cash Back on All Purchases Points Transferable to Capital One Miles Cards
Bonus Points
100,000
Minimum Spend
$10,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

Unlimited 2% Cash Back on All Purchases Transferable to Capital One Miles Cards
Bonus Points
75,000
Minimum Spend
$6,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

Unlimited 1.5% Cash Back on All Purchases Transferable to Capital One Miles Cards
Limited Offer
Limited Offer
Bonus Points
75,000
Minimum Spend
$6,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

Annual $100 Recurring Software Credit 3% Cash Back on Gas & EV Charging 3% Cash Back on Restaurants 3% Cash Back on Office Supply Stores 3% Cash Back on Cell Phone Service 0% Intro APR for 12 Months
Bonus Points
75,000
Minimum Spend
$7,500 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0
Bonus Points
50,000
Minimum Spend
$5,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

2% Cash Back on All Purchases 0% Intro APR for 12 Months
Limited Offer
Limited Offer
Bonus Points
25,000
Minimum Spend
$500 / 3mo
Point Value
1.65 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

3% Cash Back on Restaurants 3% Cash Back on Pharmacy & Drugstores 1.5% Cash Back on All Purchases 0% Intro APR for 15 Months
Bonus Points
30,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

3% Cash Back on Transit & Rideshare 3% Cash Back on Parking 3% Cash Back on U.S. Gas Stations 6% Cash Back on U.S. Grocery Stores* 0% Intro APR for 12 Months
Bonus Points
20,000
Minimum Spend
$1,500 / 3mo
Point Value
1.6 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

2% Cash Back on All Purchases
Bonus Points
20,000
Minimum Spend
$1,500 / 3mo
Point Value
1.6 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

0% Intro APR on Balance Transfers for 18 Months
Bonus Points
20,000
Minimum Spend
$2,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

3X on U.S. Supermarkets* 3X on Gas Stations*
Bonus Points
20,000
Minimum Spend
$500 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

2% Cash Back on All Purchases 0% Intro APR for 12 Months
Bonus Points
25,000
Minimum Spend
$2,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

1.5% Cash Back on All Purchases 6% Cash Back with Select Retailers (Max. $1,500 Spend)
Bonus Points
25,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

2X on All Purchases* 0% Intro APR for 12 Months
Bonus Points
15,000
Minimum Spend
$3,000 / 3mo
Point Value
1.55 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

2X on All Purchases* 0% Intro APR for 12 Months
Bonus Points
20,000
Minimum Spend
$500 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

1.5% Cash Back on All Purchases 0% Intro APR for 15 Months
Bonus Points
20,000
Minimum Spend
$500 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

3% Cash Back on Restaurants 3% Cash Back on Streaming Services 3% Cash Back on Grocery Stores* 0% Intro APR for 12 Months
Bonus Points
20,000
Minimum Spend
$1,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

0% Intro APR for 15 Months
Bonus Points
20,000
Minimum Spend
$1,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

3% Cash Back in Category of Choice 0% Intro APR for 15 Months
Bonus Points
20,000
Minimum Spend
$1,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

Unlimited 1.5% Cash Back on All Purchases
Bonus Points
0
Minimum Spend
$0 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

0% Intro APR for 15 Months
Bonus Points
0
Minimum Spend
$0 / 3mo
Point Value
0.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

2% Cash Back on Gas Stations* 2% Cash Back on Restaurants* 0% Intro APR for 15 Months
Bonus Points
0
Minimum Spend
$0 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0

Differentiating Perks

4% Cash Back on Gas & EV Charging* 3% Cash Back on Restaurants 2% Cash Back on Costco Purchases