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By Jacob Lumby, Director of Content for CashCowCouple.com

Best Cash Back Credit Cards (Click for details)


Best Cash Back Credit Cards:

Capital One® Quicksilver® Cash Rewards Credit Card:

Capital One® Quicksilver® Cash Rewards Credit Card

Bonus: Receive a $150 bonus after spending $500 within your first three months.

Annual fee: $0

Rewards Rate: Earn a consistent, unlimited 1.5% cash back on all purchases.

Other Benefits: Thanks to an intro APR offer you won't pay interest on purchases for the first 15 months. After the intro offer, a 15.49% - 25.49% (Variable) rate will apply.


Capital One® Savor® Cash Rewards Credit Card:

Capital One® Savor® Cash Rewards Credit Card

(This card is not currently available on CardRatings)

Bonus: Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first three months from account opening.

Annual fee: $95

Rewards Rate: Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

Other Benefits: No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.


Chase Freedom Flex℠:

Chase Freedom Flex℠

Bonus: $200 after you spend $500 in the first three months. Plus, earn 5% cash back at grocery stores (excluding Target® and Walmart®) up to $12,000 in purchases the first year.

Annual fee: $0

Rewards Rate:  Earn 5% cash back on travel purchased through the Chase Ultimate Rewards® portal and 5% cash back on up to $1,500 spent in quarterly rotating categories (activation is required each quarter). Also, earn 3% cash back at restaurants, including takeout and delivery; 3% cash back on drugstore purchases; and 1% cash back on all other eligible purchases.

Other Benefits: Freedom Flex℠ offers cellular phone protection against covered damage and theft when you pay your mobile bill with your card. You’re covered for up to $800 per claim and $1,000 per year, with a maximum of two claims per 12-month period and each claim has a $50 deductible. Also earn 5% cash back on Lyft rides through March 2022 and receive three months of DashPass, which offers unlimited $0 delivery fees and reduced services on orders with a $12 minimum.


Chase Freedom Unlimited®:

Chase Freedom Unlimited®

Bonus: $200 after you spend $500 in the first three months. Plus, earn 5% cash back at grocery stores (excluding Target® and Walmart®) up to $12,000 in purchases the first year.

Annual fee: $0

Rewards Rate:  Earn 5% cash back on travel purchased through the Chase Ultimate Rewards® portal. Also, earn 3% cash back at restaurants, including takeout and delivery; 3% cash back on drugstore purchases; and 1.5% cash back on all other eligible purchases.


Citi® Double Cash Card - 18 month BT offer:

(Citi is a CardRatings.com advertiser.)
 
Citi<sup>®</sup> Double Cash Card - 18 month BT offer

Annual Fee: $0

Rewards Rate: Earn up to 2% cash back (1% when you buy, another 1% when you pay) on all purchases. Note that you must make the minimum payment on time to earn cash back.

Other Benefits: This card offers an introductory 0% APR on balance transfers made in the first 18 months (then, 13.99% – 23.99% (Variable)). For the rewards, you earn 1% cash back on every dollar you spend and another 1% cash back when you pay your bill.


Blue Cash Preferred® Card from American Express:

Blue Cash Preferred® Card from American Express

Welcome Offer: Earn a $250 statement credit after you spend $1,000 on purchases in the first three months as a cardholder. American Express is a CardRatings advertiser.

Annual Fee: $95.  

Rewards Rate: Earn 6% cash back at U.S. supermarkets (up to $6,000 spent per year, then 1%) and 6% back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit including taxis/rideshares, parking, tolls, train and bus fares and more; and 1% cash back on other purchases.

Other Benefits: Earning 6% cash back at U.S. supermarkets (up to $6k spent annually) and on select U.S. streaming subscriptions is fantastic and justifies the annual fee. If you don’t anticipate spending $6,000 per year on typical U.S. supermarket purchases (like groceries), you can purchase gift cards at most supermarkets to lock in the 6% back, and then use the gift cards at restaurants, retailers and other merchants. 

Apply Now

See Rates and Fees


Blue Cash Everyday® Card from American Express:

Blue Cash Everyday® Card from American Express

Welcome Offer: Earn a $150 statement credit after spending $1,000 within the first three months.

Annual fee: $0

Rewards Rate: Earn 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores (unlimited), and 1% back everywhere else.

Other Benefits: 3% cash back at supermarkets is a very respectable rate – and you don't have to worry about offsetting an annual fee.

See Rates and Fees


Best Rewards Credit Cards

Chase Sapphire Preferred® Card:

Chase Sapphire Preferred® Card

(This card is not currently available on CardRatings)

Bonus: 80,000 Chase Ultimate Rewards® points – worth as much as $1,000 when redeemed for travel through Chase Ultimate Rewards® – after you spend $4,000 in the first three months.

Annual Fee: $95

Rewards Rate: Earn 2 Ultimate Rewards® points per $1 spent on all travel and dining purchases, and 1 Ultimate Rewards® point per $1 spent elsewhere.

Other Benefits: Chase Ultimate Rewards® points can be redeemed for travel, cash back and transfers to airline and hotel partners. You'll get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of the card.


Capital One® Venture® Rewards Credit Card:

Capital One® Venture® Rewards Credit Card

Bonus: 100,000 bonus miles after you spend $20,000 in the first 12 months, worth $1000 when redeemed for travel statement credit. Or, just 50,000 miles if you spend $3,000 with your card in your first 3 months.

Annual Fee: $95

Rewards Rate: Earn 2 miles per $1 spent on all purchases. Plus, you'll earn 5 miles per $1 spent on hotel and car rental bookings through the Capital One travel portal.

Other Benefits: Miles can be redeemed for any travel expense as a statement credit, making the bonus worth $1000 toward travel, or transfer them to over 10 airline loyalty programs, making them possibly worth even more. Miles don't expire, and there are no foreign transaction fees.


The Platinum Card® from American Express:

The Platinum Card® from American Express

Welcome Offer: Earn 60,000 Membership Rewards® points after you spend $5,000 in the first three months. 

Annual Fee: $550

Rewards Rate: Earn five Membership Rewards® points per $1 spent on flights and prepaid hotels on amextravel.com and one point on all other purchases. 

Other Benefits: The $550 annual fee does provide significant benefits, including up to $200 per calendar year in statement credits for airline incidental charges (on a pre-selected airline), $100 Global Entry® fee reimbursement, access to the American Express Global Lounge CollectionSM, and Marriott Bonvoy™ Gold Elite status. 

Apply Now

See Rates and Fees


Capital One® VentureOne® Rewards Credit Card:

Capital One® VentureOne® Rewards Credit Card

Bonus: 20,000 miles after you spend $1,000 in the first 3 months.

Annual Fee: $0

Rewards Rate: Earn 1.25 miles per $1 spent on all purchases. Plus, earn 5 miles per $1 spent on hotel and car rental bookings through the Capital One travel portal.

Other Benefits: Miles can be redeemed for any travel expense as a statement credit, making the bonus worth $200 toward travel, or transfer them to over 10 airline loyalty programs, making them possibly worth even more. Miles don't expire, and there are no foreign transaction fees.


Best Business Credit Cards

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Bonus: $500 cash back after you spend $3,000 in the first 3 months.

Annual Fee: $0

Rewards Rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and cellular phone, landline, internet and cable TV services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.

Other Benefits: This is an excellent business credit card for the signup bonus, cash-back categories and no annual fee.


Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Bonus: Earn 100k bonus points after you spend $15,000 on purchases in the first three months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®!

Annual Fee: $95

Rewards Rate: Earn 3 points per $1, up to $150,000 spent annually, in select business categories. Earn 1 point per $1 on other purchases.

Other Benefits: Chase Ultimate Rewards® can be redeemed for travel, cash back, and transfers to airline and hotel partners. Also get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®, making this bonus worth $1,250. This card also provides cell phone protection, purchase protection and a number of other valuable features.


Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

Bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first three months from account opening.

Annual Fee:  $0

Rewards Rate: Earn unlimited 1.5% cash back on every purchase made for your business.

Other Benefits:  Enjoy 0% introductory APR for 12 months on purchases. After the introductory period the APR will increase to 13.24% - 19.24% Variable.


Capital One® Spark® Cash for Business:

Capital One® Spark® Cash for Business

(This card is not currently available on CardRatings)

Bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within three months from account opening.

Annual Fee: $0 intro for first year; $95 after that.

Rewards Rate: Earn 2% cash back on all purchases.

Other Benefits: Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime. Employee cards are also entirely free to add.


Capital One® Spark® Miles for Business:

Capital One® Spark® Miles for Business

(This card is not currently available on CardRatings)

Bonus: Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first three months from account opening.

Annual Fee: $0 intro for first year; $95 after that

Rewards Rate: Earn 2 miles per $1 spent on all purchases. Earn 5 miles per $1 on hotels and car rentals through Capital One TravelSM.

Other Benefits: Miles won't expire for the life of the account, and there are no foreign transaction fees.


American Express® Business Gold Card

American Express® Business Gold Card

More Rewards: Get 4x Membership Rewards® points on the two select categories where your business spends the most each month. (4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*) 

Welcome Offer: Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first three months of opening an account.

Annual Fee: $295.

Other Benefits: A flexible payment option can help manage cash flow on purchases of $100 or more.

You can add employee cards with a no annual fee option and earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports. Also, you'll get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year. 

Apply Now

See Rates and Fees


The Business Platinum Card® from American Express:

The Business Platinum Card® from American Express

Welcome Offer: Earn 75,000 bonus Membership Rewards® points after you spend $15,000 on purchases in the first three months of card membership.

Annual Fee: $595.

Rewards Rate: Earn 5 Membership Rewards® points per $1 spent on flights and prepaid hotels booked through amextravel.com; an extra half-point per $1 (so, 1.5 points) on each qualifying purchase of $5,000 or more (up to 1 million extra points annually); and 1 point on all other purchases.

Other Benefits: The $595 annual fee does provide significant benefits, including up to $200 per calendar year in statement credits for airline incidental charges with a pre-selected airline, $100 Global Entry fee reimbursement every four years, access to the American Express Global Lounge CollectionSM, and 35% of your points back when you Pay with Points for flights through booked through amextravel.com. The 35% rebate applies to one airline for economy bookings (your pre-selected airline) and all business and first class flights booked through Amex Travel (up to 500,000 points back each year).

Apply Now

See Rates and Fees


American Express Blue Business Cash™ Card:

American Express Blue Business Cash™ Card

Welcome Offer: Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new card within the first three months of card membership. Plus, enjoy an intro 0% APR on purchases for 12 months (then, 13.24% - 19.24% Variable).

Annual Fee: No annual fee.

Rewards Rate: Earn 2% cash back on all your purchases up to $50,000 spent in a calendar year, then 1%. Your earned cash back is automatically applied to your statement.

Other Benefits: This is an excellent card given the welcome offer, cash-back opportunity and no annual fee.

See Rates and Fees


Best Airline Credit Cards

Chase Sapphire Preferred® Card:

Chase Sapphire Preferred® Card

(This card is not currently available on CardRatings)

Bonus: 80,000 Chase Ultimate Rewards® points – worth as much as $1,000 when redeemed for travel through Chase Ultimate Rewards® – after you spend $4,000 in the first three months.

Annual Fee: $95

Rewards Rate: Earn 2 Ultimate Rewards® points per $1 spent on all travel and dining purchases, and 1 Ultimate Rewards® point per $1 spent elsewhere.

Other Benefits: Chase Ultimate Rewards® points can be redeemed for travel, cash back and transfers to airline and hotel partners. You'll get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.


British Airways Visa Signature® Card:

British Airways Visa Signature® Card

Bonus: Earn up to 100,000 bonus Avios— 50,000 after you spend $3,000 on purchases within the first three months of opening an account, plus an additional 50,000 Avios after you spend $20,000 within your first year. Additionally, you receive 10% off British Airways flights originating in the U.S..

Annual Fee: $95

Rewards Rate: Earn three Avios per $1 spent with British Airways, Aer Lingus, Iberia and LEVEL; earn two Avios per $1 spent on hotel accommodations and one Avios per $1 on everything else.

Other Benefits: No foreign transaction fees. British Airways Avios are valuable for short-haul flights on British Airlines, American Airlines and Alaska Airlines, with award flights starting at just 7,500 miles each way. Every calendar year you make $30,000 in purchases on your card you'll earn a Travel Together Ticket good for two years.


Southwest Rapid Rewards® Plus Credit Card:

Southwest Rapid Rewards® Plus Credit Card

Bonus: Earn 40,000 points after you spend $1,000 on purchases in the first three months your account is open. Also receive 3,000 additional points each year after your cardholder anniversary.

Annual Fee: $69

Rewards Rate: Earn 2 points per $1 on Southwest purchases as well as on purchases with Rapid Rewards® hotel and car rental partners. Earn 1 point per $1 on all other purchases.

Other Benefits: Southwest points are easy to redeem online, and Southwest doesn’t have any blackout dates or seat restrictions. Southwest operates flights throughout the U.S. and now includes destinations in Mexico and the Caribbean as well. 


Southwest Rapid Rewards® Premier Credit Card:

Southwest Rapid Rewards® Premier Credit Card

Bonus: Earn 40,000 points after you spend $1,000 on purchases in the first three months your account is open. You'll also receive 6,000 bonus points each year after your cardholder anniversary.

Annual Fee: $99

Rewards Rate: Earn 2 points per $1 spent on Southwest purchases and with Rapid Rewards® hotel and car rental partners. Earn 1 point per $1 on all other purchases.

Other Benefits: These points are easy to redeem online, and Southwest doesn’t have any blackout dates or restrictions. Southwest operates flights throughout the U.S. and now includes destinations in Mexico and the Caribbean as well. Additionally, this card doesn't charge foreign transaction fees.


United℠ Explorer Card:

United℠ Explorer Card

Bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.

Annual Fee: $0 introductory annual fee for the first year, then $95.

Rewards Rate: Earn 2 miles per $1 spent at restaurants and on hotel accommodations, on purchases from United, and on eligible delivery services including Grubhub, Caviar, Seamless, and DoorDash, and 1 mile per $1 spent on all other purchases.

Other Benefits: Receive up to $100 Global Entry or TSA Pre✔® statement fee credit every 4 years as reimbursement for the application fee for either program when charged to your card. Then, get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights when you pay with your card. Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket.


JetBlue Plus Card:

JetBlue Plus Card

(This card is not currently available on CardRatings)

Bonus: 30,000 bonus points after you spend $1,000 within the first 90 days. Also earn 5,000 bonus points every year after your account anniversary.

Annual Fee: $99

Rewards Rate: Earn 6 points per $1 spent on JetBlue purchases, 2 points at restaurants and grocery stores, and 1 point on all other purchases.

Other Benefits: Points awarded in your TrueBlue account don't expire, and can be redeemed for any seat, on any JetBlue-operated flight. There are no blackout dates on JetBlue-operated flights. You also get 10% of your points back every time you redeem points, 50% savings on eligible in-flight purchases, and your first checked bag is free on JetBlue-operated flights.


Citi® / AAdvantage® Executive World Elite Mastercard®:

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite<sup>™</sup> Mastercard<sup>®</sup>

Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $5,000 in purchases within the first three months of opening your account.

Annual Fee: $450

Rewards Rate: Earn 2 AAdvantage® miles per dollar spent on eligible American Airlines purchases, and 1 mile everywhere else.

Other Benefits: Receive AA Admirals Club® lounge access and up to a $100 statement credit (every 5 years) for Global Entry or TSA Pre✓® application. First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation.


Citi® / AAdvantage® Platinum Select® World Elite Mastercard®:

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite<sup>™</sup> Mastercard<sup>®</sup>

Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 on the new card within the first 3 months.

Annual Fee: $99, waived for first 12 months.

Rewards Rate: Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants and on eligible American Airlines purchases. Also earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card.

Other Benefits: There are no foreign transaction fees and your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. Enjoy preferred boarding on American Airlines flights and receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.


Delta SkyMiles® Gold American Express Card:

Delta SkyMiles® Gold American Express Card

Welcome Offer: Earn 50,000 bonus miles after you spend $2,000 in purchases on your new card in your first three months (offer expires 10/28/2020). Plus, after you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit to inspire your next travel.

Annual Fee: $0 introductory annual fee for the first year, then $99.

Rewards Rate: Earn 2X miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets. Earn 1X mile on all other eligible purchases.

Other Benefits: Check your first bag free on Delta flights.

See Rates and Fees


Best Hotel Credit Cards

Marriott Rewards® Premier Plus Credit Card:

Marriott Rewards® Premier Plus Credit Card

(This card is not currently available on CardRatings)

Bonus: Earn 75,000 bonus points after you spend $3,000 in the first three months from account-opening. Also receive 1 Free Night Award (valued at up to 35,000 points) after your account anniversary each year.

Annual Fee: $95

Rewards Rate: Earn 6X points per $1 spent at over 6,700 participating Marriott Rewards & SPG hotels and 2X points for every $1 spent on all other purchases.

Other Benefits: Get the card that helps you earn more with U.S. News & World Report's No.1 Hotel Rewards Program, Marriott Rewards. Cardmembers get automatic Silver Elite Status each account anniversary year and have a path to Gold Status when $35,000 is spent on purchases every account year -- plus, new in 2019, 15 Elite Night Credits each calendar year.


IHG® Rewards Club Premier Credit Card:

IHG® Rewards Club Premier Credit Card

Bonus: Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening. Enjoy a reward night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of four or more nights

Annual Fee: $89

Rewards Rate: Earn 25 points total per $1 spent when you stay at an IHG hotel. Earn 2X points at gas stations, grocery stores and restaurants and 1 point per $1 on all other purchases.

Other Benefits: Receive automatic Platinum Elite status with IHG upon approval and as long as your remain a cardholder. Receive a credit of up to $100 every four years to cover your Global Entry or TSA Pre✓® application fee.


To see the rates and fees for the American Express cards featured in this post, please visit the following links: American Express® Business Gold Card (See Rates and Fees); The Business Platinum Card® from American Express (See Rates and Fees); The Platinum Card® from American Express (See Rates and Fees); Delta SkyMiles® Gold American Express Card (See Rates and Fees); American Express Blue Business Cash™ Card (See Rates and Fees); Blue Cash Everyday® Card from American Express (See Rates and Fees); Blue Cash Preferred® Card from American Express (See Rates and Fees)

Updated, September 22, 2020