Best Cash Back Credit Cards

Discover it Student Cash Back Credit Card Review

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	10.99% for 6 months
Intro APR (Balance transfers):	10.99% for 6 months
Rewards Rate:	5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate 1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:	(300-669) Bad/Fair
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO?
Credit Score, number of recent inquiries and more.
Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

Build your credit
Higher than average cash back rewards for a student card

Cons

5% cash back categories must be activated, online or by phone, to take effect

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Student Cash Back

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Discover it Miles Credit Card Review

Rating: 5 Stars

Bottom Line:
Double Miles In The First Year And Use Miles As Cash Back

Apply Now

Card Details

Regular APR:	14.24% – 25.24% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	10.99% for 14 months
Rewards Rate:	Unlimited 1.5 miles per dollar spent on all purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it Miles card.
Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Is Discover it Miles Credit Card worth it?

Discover it Miles is a great travel card with 1.5x miles per dollar and the benefit of getting your miles matched at the end of your first year, essentially giving you 3x miles per dollar for your first year. You can also use your miles as cash back.

Pros

Discover matches your miles at the end of your first year
Higher than average travel rewards rate
No annual fee

Cons

Not the best rewards rate when compared to best cash back cards’ rewards rate of 2%

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Miles

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Discover it Cash Back Credit Card Review

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

Apply Now

Card Details

Regular APR:	13.99% – 24.99% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	0% for 14 months
Rewards Rate:	5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
No annual fee.

Is Discover it Cash Back Credit Card worth it?

Discover it Cash Back is a solid cash back card with the option to pay off purchases or debt at 0% for 14 months. This card has 5% cash back in popular, rotating categories up to the quarterly max. The ongoing unlimited cash back is 1%, which is an average cash back rate.

Here?s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.com, Walmart.com and Target.com

Pros

Discover doubles all earned cash back at end of first year
0% Intro APR for 14 months on purchases and balance transfers
No annual fee

Cons

Quarterly cap for 5% cash back is $1,500
No intro bonus

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Cash Back

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American Express Blue Cash Preferred Review

American Express Blue Cash Preferred Credit Card

Rating: 5 Stars

Bottom Line:
Superior Cash Back on Groceries

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	6% cash back at U.S. supermarkets on up to $6,000 per year, (then 1%) 6% cash back on select U.S. streaming subscriptions 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more 3% cash back at U.S. gas stations 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $300 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
New 6% Cash Back on select U.S. streaming subscriptions.
New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
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. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
$95 annual fee.
Terms Apply.

Is American Express Blue Cash Preferred worth it?

Blue Cash Preferred from American Express is simply a superior card for cardholders who spend a lot on groceries and gas.

Pros

6% cash back on up to $6,000 in purchases at U.S. supermarkets (then 1%) and on selected streaming subscriptions
3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.

Cons

Travel (flights) rewards fall in 1% cash back category
Annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% of the transaction amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Return Protection

Travel and Emergency Assistance

Get Started with American Express Blue Cash Preferred

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American Express Blue Cash Everyday Review

American Express Blue Cash Everyday Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) 2% cash back at U.S. gas stations & select U.S. department stores 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $175 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%)
2% cash back at U.S. gas stations & select U.S. department stores
1% cash back on other purchases
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express? Cards in 2018.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
$95 annual fee.
Terms Apply.

Is Blue Cash Everyday from American Express worth it?

Blue Cash Everyday from American Express is a solid no annual fee card for cardholders who spend a lot on groceries and gas. With 0% Intro APR for 15 months, this is also a solid card for paying off big purchases over time.

Pros

3% cash back on up to $6,000 in purchases at U.S. supermarkets, then 1%
2% cash back at U.S. gas stations and select U.S. department stores, including Kohl’s, J.C. Penney, and Macy?s. In store and online purchases at these department stores receive cash back.
No annual fee

Cons

Travel (flights) rewards fall in 1% cash back category

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	2% of the amount of each transaction
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance

Get Started with American Express Blue Cash Everyday

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Bank of America Cash Rewards Review

Bank of America? Cash Rewards Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures

Apply Now

Card Details

Regular APR:	15.74% – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No annual fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% – 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

Bank of America Cash Rewards worth it?

Bank of America Cash Rewards is a strong card for cardholders who spend a lot on gas, online shopping, dining, travel, drug stores or home improvements and furnishings, which earn 3% cash back and are selected by the cardholder monthly.

Pros

$200 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on purchases and balance transfers
No annual fee

Cons

3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the amount of each transfer or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Cash Rewards

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Bank of America Business Advantage Cash Rewards Mastercard Review

Rating: 5 Stars

Bottom Line:
High Cash Back on First $50k Spent

Apply Now

Card Details

Regular APR:	14.49% – 24.49% (Variable)
Intro APR (Purchases):	0% for 9 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) 2% cash back on dining 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don?t expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You?ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America checking or savings account.
Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Is Bank of America Business Advantage Cash Rewards Mastercard worth it?

Business Advantage from Bank of America is a great card for small business owners who use the 3% cash back rewards category on the first $50,000 in purchases. With a foreign transaction fee, the Business Advantage card makes traveling internationally slightly more expensive.

Pros

$300 statement credit bonus if you spend $3,000 within the first three months
3% cash back in your choice of one of six spending categories and 2% cash back on dining purchases, up to $50,000 in combined category purchases per year
0% Intro APR for 9 billing cycles on purchases
No annual fee

Cons

3% foreign transaction fee
3% Cash back is capped at $50,000 spend
Below average 1% ongoing cash back rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	4% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Luggage Reimbursement

Price Protection

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Business Advantage Cash Rewards Mastercard

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American Express Blue Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Is American Express Blue Business Cash worth it?

American Express Blue Business Cash is a solid starter card for businesses with 2% cash back on eligible purchases on up to $50,000 per calendar year, then 1% on all purchases thereafter. Together with no annual fee and a 12 month intro period on purchases, this may be a good card for someone starting a business.

Pros

2% cash back on all eligible purchases on up to $50,000 per calendar year
Allows some spending above your credit limit
No annual fee

Cons

Lower than average 1% ongoing cash back rate among cash back cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Travel Accident Insurance

Purchase Protection

Get Started with American Express Blue Business Cash

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American Airlines AAdvantage MileUp Credit Card Review

Rating: 4 Stars

Bottom Line:
Travel Without An Annual Fee

Apply Now

Card Details

Regular APR:	17.49% to 25.49%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases Earn 1 AAdvantage mile for every $1 spent on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 10,000 American Airlines AAdvantage Bonus Miles and Receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases
Earn 1 AAdvantage mile for every $1 spent on other purchases
25% savings on inflight purchases of drinks and snacks when you use your card on American Airlines flights
There’s no limit to the number of AAdvantage miles you can earn
Use your miles for award travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines. Your AAdvantage miles can also be redeemed for Business and First Class upgrades, car rentals, hotel stays or vacation packages. The choice is yours
No Annual Fee.
Terms Apply.

Is American Airlines AAdvantage MileUp Credit Card worth it?

American Airlines AAdvantage MileUp is a great card for people who fly American Airlines from time to time, but don’t want an annual fee card. Cardholders earn 2 AAdvantage miles on every dollar spent on American Airlines purchases and at grocery stores, including grocery delivery services.

The card has no annual fee, and as a result you get no first free checked bag and no preferred boarding, which is offered by the other AAdvantage cards issued by Citi. That said, the welcome bonus takes only $500 in spend to hit, so if you’re looking to fly American Airlines and don’t want to shell out for a more premium travel card, American Airlines AAdvantage MileUp is a great card for you.

Pros

Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 10,000 American Airlines AAdvantage Bonus Miles and Receive a $50 statement credit after making $500 in purchases within the first 3 months

Cons

Foreign transaction fee – not good for a travel card, unless you only travel domestically
No first free checked bag
No preferred boarding

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR	Up to 29.99% APR

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Get Started with American Airlines AAdvantage MileUp Credit Card

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American Express Cash Magnet Credit Card Review

Rating: 5 Stars

Bottom Line:
Earn Cash Back and Pay Off Debt

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	Unlimited 1.5% cash back on your purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Unlimited 1.5% Cash Back on your purchases.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
$0 plan fees for plans set up during your first 15 months of Card Membership with Plan It, a feature that lets you split up big purchases into monthly payments with a fixed fee.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
No Annual Fee.
Terms Apply.

Is American Express Cash Magnet Credit Card worth it?

Cash Magnet from American Express is a flexible card with a simple 1.5% cash back rate on every purchase with no spending caps, as well as 0% Intro APR on purchases and balance transfers for 15 months. The $150 statement credit intro offer is straightforward too.

Pros

Intro offer that is easy to qualify for – earn $150 after first $1,000 in purchases within three months of account opening
0% for 15 months on purchases and balance transfers

Cons

Lower than average cash back rate among cash back cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	3% of the balance transfer amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with American Express Cash Magnet Credit Card

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Chase Ink Business Unlimited Credit Card Review

Rating: 5 Stars

Bottom Line:
Growing Business Card

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 1.5% cash back on every business purchase
Credit Needed:	(740-850) Excellent
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Is Chase Ink Business Unlimited Credit Card worth it?

Ink Business Unlimited from Chase is a simple business cash back card. With unlimited 1.5% cash back, no annual fee, a 12 month intro period on purchases, and free employee cards this may be a good card for someone growing a business.

Pros

No annual fee
Free employee cards
Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater
Cash Advance Fee	5% on transaction amount or $15, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Ink Business Unlimited Credit Card

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Chase Freedom Unlimited Review

Rating: 5 Stars

Bottom Line:
Earn Cash Back And Pay Off Purchases and Debt

Apply Now

Card Details

Regular APR:	17.24% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 billing cycles for any balance transfers made in the first 60 days
Rewards Rate:	3% cash back offer on up to $20,000 in purchases in the first 12 months Unlimited ongoing 1.5% cash back
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
Cash Back rewards do not expire as long as your account is open
Free credit score, updated weekly with Credit Journey
No annual fee

Is Chase Freedom Unlimited Credit Card worth it?

Chase Freedom Unlimited is a simple cash back card with a nice 3% double cash back intro offer. It is a good option for someone looking to get cash back in all categories and optionally complete a balance transfer with 0% interest for 15 months on balance transfers and purchases.

Pros

Simple unlimited 1.5% cash back in all categories
Double cash back intro offer up to $20,000 in purchases
0% for 15 months on purchases and balance transfers
Can transfer points to other Chase-branded rewards cards with Chase Ultimate Rewards

Cons

Foreign transaction fee
Below average ongoing cash back rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Freedom Unlimited

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Capital One Spark Cash for Business Review

Capital One? Spark? Cash for Business Credit Card

Rating: 5 Stars

Bottom Line:
Simple High Cash Back For Business Owners

Apply Now

Card Details

Regular APR:	18.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2% Cash Back for your business on every purchase, everywhere
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 intro for the first year, $95 after that
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Redeem at any time with no minimums.
Plus, a one-time $500 cash bonus once you spend $5,000 on purchases within 3 months from account opening and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
Rewards won?t expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend

Is Capital One Spark Cash for Business Credit Card worth it?

Capital One Spark Cash for Business is a great cash back card for businesses looking to earn 2% cash back on every purchase.

Pros

$500 cash bonus after spending $5,000 in first 90 days of account opening
Free employee cards
No foreign transaction fee
$0 annual fee to start and reasonable $95 annual fee after first year
Visa Signature Cards

Cons

No Intro purchase APR for business expenses

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	31.15%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One Spark Cash for Business

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Capital One Spark Cash Select for Business Review

Rating: 4 Stars

Bottom Line:
Cash Back For Business Owners With 0% Intro APR And No Annual Fee

Apply Now

Card Details

Regular APR:	14.74%, 18.74% or 22.74% (Variable)
Intro APR (Purchases):	0% for 9 months
Intro APR (Balance transfers):	None
Rewards Rate:	1.5% Cash Back for your business on every purchase, everywhere
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
Save on interest with 0% intro APR on purchases for 9 months; 15.24% – 23.24% variable APR after that
No annual fee
Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
Rewards won?t expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend

Is Capital One Spark Cash Select for Business Credit Card worth it?

Capital One Spark Cash Select for Business is a great cash back card for businesses looking to earn 1.5% cash back on every purchase with no annual fee. Additionally, Spark Cash Select offers 0% Intro APR for 9 months for business purchases.

Pros

$200 cash bonus after spending $4,500 in first 90 days of account opening
Free employee cards
No foreign transaction fee
No annual fee

Cons

Not the highest flat-rate cash back rate

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	31.65%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One Spark Cash Select for Business

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Capital One QuicksilverOne Cash Rewards Credit Card Review

Rating: 5 Stars

Bottom Line:
Simple Cash Back For Fair Credit

Apply Now

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1.5% Cash Back on every purchase, every day
Credit Needed:	(580-669) Average/Fair/Limited
Annual Fee:	$39
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn unlimited 1.5% cash back on every purchase, every day
Earn cash rewards without signing up for rotating categories
Get access to a higher credit line after making your first 5 monthly payments on time
Monitor your credit profile with the CreditWise app, free for everyone
$0 fraud liability if your card is ever lost or stolen
No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
Help strengthen your credit for the future with responsible card use
Get customized alerts and manage your account with the Capital One mobile app

Is Capital One QuicksilverOne Cash Rewards Credit Card worth it?

QuicksilverOne Cash Rewards from Capital One is a great card with an ongoing 1.5% cash back rate across all spending categories and a reasonable $39 annual fee. QuicksilverOne Cash Rewards is available to cardholders with average or limited credit and has a high APR.

Pros

Simple flat-rate cash back of 1.5% on all purchases
No foreign transaction fee

Cons

High APR
No intro bonus
Does not offer higher rewards in one category vs. another category – no rotating high cash back opportunities

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	$0
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Capital One QuicksilverOne Cash Rewards Credit Card

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