WWafacard Compare cards

Category guide

Best cashback credit cards

A focused shortlist of cashback cards to compare by fees, rewards, and benefits.

How to choose a cashback credit card

Cashback credit cards are designed for straightforward value. They can work well for everyday purchases, households that do not want to manage points, and people who prefer simple redemption.

Best for no annual fee
AARP Essential Rewards Mastercard from Barclays Barclays
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4.7 ★★★★★
Wafa rating

AARP Essential Rewards Mastercard from Barclays

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Abound Visa® Platinum Card Abound CU
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4.7 ★★★★★
Wafa rating

Abound Visa® Platinum Card

Abound CU · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Abound CU's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Alliant Cashback Visa® Signature Credit Card Alliant
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4.7 ★★★★★
Wafa rating

Alliant Cashback Visa® Signature Credit Card

Alliant · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-2.5%
Intro APR
Check terms
See rates & apply on Alliant's site
Why we like it
  • Extended warranty coverage may be included
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Amazon Prime Visa Chase
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4.7 ★★★★★
Wafa rating

Amazon Prime Visa

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 36mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Baggage coverage may be included
Best for no annual fee
Apple Card Goldman Sachs
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4.7 ★★★★★
Wafa rating

Apple Card

Goldman Sachs · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Goldman Sachs' site
Why we like it
  • No yearly card fee
Best for cash back
Aspire® Cash Back Rewards Mastercard Celtic Bank
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4.6 ★★★★★
Wafa rating

Aspire® Cash Back Rewards Mastercard

Celtic Bank · Mastercard

Annual fee
$85
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Celtic Bank's site
Why we like it
  • Fraud-liability protection
  • Cash-back earning focus
Best for no annual fee
AT&T Points Plus℠ Card from Citi Citi
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4.7 ★★★★★
Wafa rating

AT&T Points Plus℠ Card from Citi

Citi · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
Cash back
Intro APR
Check terms
See rates & apply on Citi's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Avant® Cashback Rewards Mastercard® Avant
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4.7 ★★★★★
Wafa rating

Avant® Cashback Rewards Mastercard®

Avant · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
Check terms
See rates & apply on Avant's site
Why we like it
  • No yearly card fee
Best for no annual fee
Bank of America® Customized Cash Rewards Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Customized Cash Rewards Credit Card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-6%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Customized Cash Rewards Credit Card for Students Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Customized Cash Rewards Credit Card for Students

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-6%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Bank of America® Unlimited Cash Rewards Credit Card Bank of America
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4.7 ★★★★★
Wafa rating

Bank of America® Unlimited Cash Rewards Credit Card

Bank of America · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-2%
Intro APR
0% · 15mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Blue Cash Everyday® Card from American Express American Express
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4.7 ★★★★★
Wafa rating

Blue Cash Everyday® Card from American Express

American Express · Amex

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for cash back
Blue Cash Preferred® Card from American Express American Express
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4.6 ★★★★★
Wafa rating

Blue Cash Preferred® Card from American Express

American Express · Amex

Annual fee
$95
Welcome bonus
300 points
Rewards rate
1%-6%
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Cash-back earning focus
Best for no annual fee
BMO CashBack Mastercard BMO
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4.7 ★★★★★
Wafa rating

BMO CashBack Mastercard

BMO · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
0.5%-3%
Intro APR
0% · 9mo
See rates & apply on BMO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for cash back
BMO CashBack World Elite Mastercard BMO
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4.6 ★★★★★
Wafa rating

BMO CashBack World Elite Mastercard

BMO · Mastercard

Annual fee
$139
Welcome bonus
480 points
Rewards rate
1%-5%
Intro APR
0% · 12mo
See rates & apply on BMO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Partner status benefits may apply
Best for no annual fee
Bread Cashback™ American Express® Credit Card Bread Financial
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4.7 ★★★★★
Wafa rating

Bread Cashback™ American Express® Credit Card

Bread Financial · Amex

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
Check terms
See rates & apply on Bread Financial's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Capital One Quicksilver Cash Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Quicksilver Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-5%
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for general
Capital One QuicksilverOne Cash Rewards Credit Card Capital One
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4.6 ★★★★★
Wafa rating

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$39
Welcome bonus
200 points
Rewards rate
1.5%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Issuer terms and applicant profile determine available benefits
Best for no annual fee
Capital One Savor Cash Rewards Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Savor Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-8%
Intro APR
0% · 12mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for cash back
Capital One SavorOne Cash Rewards Credit Card Capital One
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4.6 ★★★★★
Wafa rating

Capital One SavorOne Cash Rewards Credit Card

Capital One · Mastercard

Annual fee
$39
Welcome bonus
200 points
Rewards rate
1%-8%
Intro APR
0% · 12mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Cash-back earning focus
Best for no annual fee
Chase Freedom Flex℠ Credit Card Chase
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4.7 ★★★★★
Wafa rating

Chase Freedom Flex℠ Credit Card

Chase · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
Chase Freedom Unlimited® Credit Card Chase
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4.7 ★★★★★
Wafa rating

Chase Freedom Unlimited® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%-5%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Citi Custom Cash® Card Citi
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4.7 ★★★★★
Wafa rating

Citi Custom Cash® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Citi Double Cash® Card Citi
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4.7 ★★★★★
Wafa rating

Citi Double Cash® Card

Citi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 18mo
See rates & apply on Citi's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Costco Anywhere Visa® Card by Citi Citi
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4.7 ★★★★★
Wafa rating

Costco Anywhere Visa® Card by Citi

Citi · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Citi's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for general
Credit One Bank® Platinum Visa® for Rebuilding Credit Credit One Bank
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4.6 ★★★★★
Wafa rating

Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Bank · Visa

Annual fee
$99
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
Check terms
See rates & apply on Credit One Bank's site
Why we like it
  • Fraud-liability protection
Best for no annual fee
Discover it® Cash Back Credit Card Discover
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4.7 ★★★★★
Wafa rating

Discover it® Cash Back Credit Card

Discover · Discover

Annual fee
$0
Welcome bonus
2 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on Discover's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
DoorDash Rewards Mastercard® Chase
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4.7 ★★★★★
Wafa rating

DoorDash Rewards Mastercard®

Chase · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-4%
Intro APR
0% · 15mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Evergreen® Credit Card FNBO
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4.7 ★★★★★
Wafa rating

Evergreen® Credit Card

FNBO · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
0% · 6mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Fifth Third 1.67% Cash/Back Card Fifth Third Bank
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4.7 ★★★★★
Wafa rating

Fifth Third 1.67% Cash/Back Card

Fifth Third Bank · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.67%
Intro APR
0% · 12mo
See rates & apply on Fifth Third Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for no annual fee
Instacart Mastercard® Chase
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4.7 ★★★★★
Wafa rating

Instacart Mastercard®

Chase · Mastercard

Annual fee
$0
Welcome bonus
50 points
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Extended warranty coverage may be included
  • Baggage coverage may be included
  • No yearly card fee
Best for no annual fee
Key Cashback® Credit Card KeyBank
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4.7 ★★★★★
Wafa rating

Key Cashback® Credit Card

KeyBank · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-2%
Intro APR
0% · 12mo
See rates & apply on KeyBank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Maximum Rewards® Visa Signature® Card FNBO
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4.7 ★★★★★
Wafa rating

Maximum Rewards® Visa Signature® Card

FNBO · Visa

Annual fee
$0
Welcome bonus
150 points
Rewards rate
1.5%
Intro APR
0% · 12mo
See rates & apply on FNBO's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Mission Lane Cash Back Visa® Credit Card Mission Lane LLC
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4.7 ★★★★★
Wafa rating

Mission Lane Cash Back Visa® Credit Card

Mission Lane LLC · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on Mission Lane LLC's site
Why we like it
  • No yearly card fee
Best for no annual fee
Navy Federal cashRewards Credit Card Navy Federal Credit Union
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4.7 ★★★★★
Wafa rating

Navy Federal cashRewards Credit Card

Navy Federal Credit Union · Visa or Mastercard

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1.5%-2%
Intro APR
0% · 12mo
See rates & apply on Navy Federal Credit Union's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Neo World Mastercard® Neo Financial
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4.7 ★★★★★
Wafa rating

Neo World Mastercard®

Neo Financial · Mastercard

Annual fee
$0
Welcome bonus
$50
Rewards rate
0.5%-2%
Intro APR
Check terms
See rates & apply on Neo Financial's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
PayPal Cashback Mastercard® Synchrony Bank
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4.7 ★★★★★
Wafa rating

PayPal Cashback Mastercard®

Synchrony Bank · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.5%-3%
Intro APR
Check terms
See rates & apply on Synchrony Bank's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
PenFed Power Cash Rewards Visa Signature® Card PenFed
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4.7 ★★★★★
Wafa rating

PenFed Power Cash Rewards Visa Signature® Card

PenFed · Visa

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.5%-2%
Intro APR
0% · 12mo
See rates & apply on PenFed's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Petal® 2 “Cash Back, No Fees” Visa® Credit Card WebBank
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4.7 ★★★★★
Wafa rating

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

WebBank · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-10%
Intro APR
Check terms
See rates & apply on WebBank's site
Why we like it
  • No yearly card fee
Best for no annual fee
PNC Cash Rewards® Visa® Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Cash Rewards® Visa® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-4%
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
PNC Cash Unlimited® Visa Signature® Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC Cash Unlimited® Visa Signature® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
2%
Intro APR
0% · 15mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
Best for general
Revolut Metal Card Revolut
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4.6 ★★★★★
Wafa rating

Revolut Metal Card

Revolut · Mastercard

Annual fee
$204
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
Check terms
See rates & apply on Revolut's site
Why we like it
  • Airport-lounge benefits may apply
Best for no annual fee
Robinhood Gold Card Robinhood
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4.7 ★★★★★
Wafa rating

Robinhood Gold Card

Robinhood · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
3%-5%
Intro APR
Check terms
See rates & apply on Robinhood's site
Why we like it
  • Extended warranty coverage may be included
  • No yearly card fee
Best for no annual fee
Sam's Club Mastercard® Synchrony Bank
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4.7 ★★★★★
Wafa rating

Sam's Club Mastercard®

Synchrony Bank · Mastercard

Annual fee
$0
Welcome bonus
$30
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Synchrony Bank's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
SECU Cash Rewards Visa Credit Card SECU
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4.7 ★★★★★
Wafa rating

SECU Cash Rewards Visa Credit Card

SECU · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
0.5%-2%
Intro APR
0% · 12mo
See rates & apply on SECU's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
SoFi Essential Credit Card SoFi
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4.7 ★★★★★
Wafa rating

SoFi Essential Credit Card

SoFi · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
Check terms
See rates & apply on SoFi's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
SoFi Unlimited 2% Credit Card SoFi
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4.7 ★★★★★
Wafa rating

SoFi Unlimited 2% Credit Card

SoFi · Mastercard

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%-10%
Intro APR
Check terms
See rates & apply on SoFi's site
Why we like it
  • Cell phone protection may be available
  • Partner status benefits may apply
  • No yearly card fee
Best for no annual fee
Synchrony Premier World Mastercard® Synchrony Bank
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4.7 ★★★★★
Wafa rating

Synchrony Premier World Mastercard®

Synchrony Bank · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
2%
Intro APR
Check terms
See rates & apply on Synchrony Bank's site
Why we like it
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
TD Cash Credit Card TD Bank
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4.7 ★★★★★
Wafa rating

TD Cash Credit Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-3%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
TD Double UpSM Credit Card TD Bank
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4.7 ★★★★★
Wafa rating

TD Double UpSM Credit Card

TD Bank · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-2%
Intro APR
0% · 15mo
See rates & apply on TD Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Extended warranty coverage may be included
Best for no annual fee
Tomo Charge Card Tomo
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4.7 ★★★★★
Wafa rating

Tomo Charge Card

Tomo · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
Check terms
See rates & apply on Tomo's site
Why we like it
  • No yearly card fee
Best for no annual fee
Truist Enjoy Cash Credit Card Truist
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4.7 ★★★★★
Wafa rating

Truist Enjoy Cash Credit Card

Truist · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-3%
Intro APR
0% · 12mo
See rates & apply on Truist's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
20,000 points
Rewards rate
1x-4x
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
U.S. Bank Cash+® Visa Signature® Card U.S. Bank
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4.7 ★★★★★
Wafa rating

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Cash-back earning focus
Best for cash back
U.S. Bank Shopper Cash Rewards® Visa Signature® Card U.S. Bank
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4.6 ★★★★★
Wafa rating

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

U.S. Bank · Visa

Annual fee
$95
Welcome bonus
250 points
Rewards rate
1.5%-6%
Intro APR
Check terms
See rates & apply on U.S. Bank's site
Why we like it
  • Cash-back earning focus
Best for no annual fee
Upgrade Cash Rewards Visa® Upgrade
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4.7 ★★★★★
Wafa rating

Upgrade Cash Rewards Visa®

Upgrade · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Upgrade's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
Upromise® World Mastercard® Barclays
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4.7 ★★★★★
Wafa rating

Upromise® World Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1.25%-1.529%
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
USAA Cashback Rewards Plus American Express® Credit Card USAA
image coming soon
4.7 ★★★★★
Wafa rating

USAA Cashback Rewards Plus American Express® Credit Card

USAA · American Express

Annual fee
$0
Welcome bonus
200 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on USAA's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Baggage coverage may be included
Best for no annual fee
USAA Preferred Cash Rewards Visa Signature® Credit Card USAA
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4.7 ★★★★★
Wafa rating

USAA Preferred Cash Rewards Visa Signature® Credit Card

USAA · Visa

Annual fee
$0
Welcome bonus
250 points
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on USAA's site
Why we like it
  • Baggage coverage may be included
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
Wells Fargo Active Cash® Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Active Cash® Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
2%
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • No yearly card fee
Best for no annual fee
Wells Fargo Attune℠ World Elite Mastercard® Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Attune℠ World Elite Mastercard®

Wells Fargo · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%-4%
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Partner status benefits may apply
Best for no annual fee
Wells Fargo Reflect® Visa® Card Wells Fargo
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4.7 ★★★★★
Wafa rating

Wells Fargo Reflect® Visa® Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
0% · 21mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection

Frequently asked questions

Is flat-rate or category cash back better?

Flat-rate cards are simpler, while category cards can earn more if their bonus categories match your spending.

Should I pay an annual fee for cash back?

Usually only if the extra rewards clearly exceed the fee.