Cash Back Credit Card Rankings
Ranked by First Year Value
All Cards
Personal 
Business 
Airline 
Hotel 
Cash 
Special Offers
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 200,000 | $30,000 | 1.3 ¢ | $0 | $150 |
$2240
|
| Differentiating Perks | Rules |
|---|---|
| 2% Back on Every Purchase. Points Transferable to Miles Cards. | No CR , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 100,000 | $10,000 | 1.3 ¢ | $0 | $0 |
$1230
|
| Differentiating Perks | Rules |
|---|---|
| 2% Back on every purchase | No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $6,000 | 1.3 ¢ | $0 | $0 |
$933
|
| Differentiating Perks | Rules |
|---|---|
| 1.5 Miles on every purchase | No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $6,000 | 1.1 ¢ | $0 | $0 |
$771
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $7,500 | 1.1 ¢ | $0 | $95 |
$663
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $5,000 | 1.3 ¢ | $0 | $0 |
$615
|
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.3 ¢ | $75 | $0 |
$332
|
| Differentiating Perks | Rules |
|---|---|
| 2% Cash Back every purchase | Wells Fargo 1/6 , 48 From Bonus , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.6 ¢ | $0 | $0 |
$318
|
| Differentiating Perks | Rules |
|---|---|
| 3% Cash back on purchases up to $20000 | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,500 | 1.6 ¢ | $0 | $0 |
$314
|
| Differentiating Perks | Rules |
|---|---|
| 48 From Bonus , No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 25,000 | $2,000 | 1.1 ¢ | $1 | $0 |
$258
|
| Differentiating Perks | Rules |
|---|---|
| 6% cash back on personally selected categories. | US Bank Lifetime , No 5/24 , Citi 6/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 15,000 | $3,000 | 1.6 ¢ | $0 | $0 |
$228
|
| Differentiating Perks | Rules |
|---|---|
| Amex 3/90 , No CR , Amex 4 Credit , No 5/24 , Amex 1/7 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 25,000 | $3,000 | 1.0 ¢ | $3 | $0 |
$223
|
| Differentiating Perks | Rules |
|---|---|
| 6% bonus at U.S. supermarkets limited to $6,000 in purchases per year | Amex 3/90 , Amex 4 Credit , Amex Family , No 5/24 , Amex 1/7 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 25,000 | $3,000 | 1.0 ¢ | $0 | $0 |
$220
|
| Differentiating Perks | Rules |
|---|---|
| Amex 3/90 , No CR , Amex 4 Credit , No 5/24 , Amex 1/7 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.0 ¢ | $0 | $0 |
$195
|
| Differentiating Perks | Rules |
|---|---|
| 3% Cash Back on Dining & Entertainment, 3% Grocery, $200 Cash Bonus. | 48 From Bonus , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.0 ¢ | $0 | $0 |
$195
|
| Differentiating Perks | Rules |
|---|---|
| Easier approval for those looking to build credit | 48 From Bonus , No 5/24 , Cap One 1/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.0 ¢ | $1 | $0 |
$191
|
| Differentiating Perks | Rules |
|---|---|
| 5% cash back on personally selected categories. | US Bank Lifetime , No 5/24 , Citi 6/6 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.0 ¢ | $0 | $0 |
$190
|
| Differentiating Perks | Rules |
|---|---|
| 3% cash back in the category of your choice | B of A 1/24 , B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.0 ¢ | $0 | $0 |
$190
|
| Differentiating Perks | Rules |
|---|---|
| unlimited 1.5% cash back on all purchases | B of A 1/24 , B of A 2/3/4 , No 5/24 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $1,500 | 1.0 ¢ | $0 | $0 |
$185
|
| Differentiating Perks | Rules |
|---|---|
| 2% cash-back earnings on all purchases — 1% when you buy and another 1% when you pay | 48 From Bonus , No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $2,000 | 1.0 ¢ | $0 | $0 |
$180
|
| Differentiating Perks | Rules |
|---|---|
| 3% bonus at U.S. supermarkets | Amex 3/90 , Amex 4 Credit , Amex Family , No 5/24 , Amex 1/7 , Amex Popup Jail |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 1 | $1 | 1.0 ¢ | $0 | $0 |
$0
|
| Differentiating Perks | Rules |
|---|---|
| Discover will match all cash back at the year end, making rotating categories 10% for the first year | No 5/24 , Discover 1/12 |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 0 | $0 | 1.0 ¢ | $0 | $0 |
$0
|
| Differentiating Perks | Rules |
|---|---|
| Earn 4% on eligible gas purchases, plus 3% on restaurant and all eligible travel purchases worldwide. | No 5/24 , Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule |
Card Details
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 1 | $1 | 0.0 ¢ | $0 | $0 |
$-0
|
| Differentiating Perks | Rules |
|---|---|
| Discover will match Cash back after the first year with no cap, 2x Cash Back for gas and restaurants up to $4,000 annually | No 5/24 , Discover 1/12 |
