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Ally Everyday Cash Back Mastercard review: Elevated cash back on everyday spending

 /  11 min
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Snapshot

3.0

Bankrate rating
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Rating: 3 stars out of 5

Bottom line

The Ally Everyday Cash Back Card is a decent choice if you want to earn bonus cash back on typical daily expenses. But if you’re looking for more perks, redemption flexibility and overall rewards value, it’s better to consider a different cash back card.

Ally Everyday Cash Back Mastercard®

Ally Everyday Cash Back Mastercard®

N/A

Intro offer

N/A

Rewards rate

1% - 3%

Annual fee

$0

Regular APR

19.99%-29.99%, variable

4.1

Cardholder rating

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4.1 / 5

Extra perks

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4.2 / 5

Meets needs

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4.3 / 5

Online tools

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4.2 / 5

Customer service

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4.3 / 5

3.0

Bankrate score

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3.0 / 5
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Ally Everyday Cash Back Mastercard overview

  • Credit Card Cash Back Icon

    Rewards

  • Credit Card Search Icon
    Rates and fees
  • Congrats Icon

    Other cardholder perks

Ally Everyday Cash Back Mastercard pros and cons

Pros

  • Checkmark Icon

    The card features a good selection of cash back categories for everyday purchases.

  • Checkmark Icon

    You can qualify for this card with fair to good credit, making it a good fit if you’re a credit-builder who wants a decent rewards card.

  • Checkmark Icon

    The card doesn’t penalize you with an interest rate hike if you make a late payment.

Cons

  • The card is only available via invitation, restricting approval odds.

  • Its lack of a sign-up bonus and basic set of perks and benefits drops its overall value compared to competing cards.

  • The card’s limited redemption options hinder its flexibility.

Why you might want the Ally Everyday Cash Back Mastercard

Why you might want a different cash back card

How the Ally Everyday Cash Back Mastercard compares to other cash back cards

Image of Ally Everyday Cash Back Mastercard®

Ally Everyday Cash Back Mastercard®

Annual fee

$0

Intro offer

N/A

Rewards rate

1% - 3%
Info Icon

Recommended Credit Score

N/A
Info Icon
Image of Blue Cash Preferred® Card from American Express
Bankrate Score
See Rates & Fees , Terms Apply
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on American Express's secure site

Annual fee

$0 intro annual fee for the first year, then $95.

Intro offer

Earn $250
Info Icon

Rewards rate

1% - 6%
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Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Ally Unlimited Cash Back

Ally Unlimited Cash Back

Annual fee

$0

Intro offer

N/A

Rewards rate

2%
Info Icon

Recommended Credit Score

N/A
Info Icon

Best cards to pair with the Ally Everyday Cash Back Mastercard

Who is the Ally Everyday Cash Back Mastercard right for?

Bankrate’s Take — Is the Ally Everyday Cash Back Mastercard worth it?

How we rated this card

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150+
cards rated
Congrats Icon
50+
rewards programs valued
Search Icon
1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

Frequently asked questions

What cardholders think

Image of Ally Everyday Cash Back Mastercard®

Ally Everyday Cash Back Mastercard®

4.1 Star Icon
39 ratings
Info Icon
Score breakdown
5 stars
33%
4 stars
46%
3 stars
21%
2 stars
0%
1 star
0%
Score by category
Overall 4.1 / 5
Extra perks 3.5 / 5
Meets financial needs 4.3 / 5
Privacy and security 4.2 / 5
Customer service 3.8 / 5
Online portal or mobile app 3.7 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Ally Everyday Cash Back Mastercard® reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use this card in case of emergency
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Its the best i will recommend it to my friend
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Yes,worth it. Very flexibleCash back
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Ally always has someone at customer service available. They are efficient, friendly, fast acting, helpful, personable
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I will recommend this card because they offer good rewards, I can earn rewards for every purchase I made I have no anual fees
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Never have had a problem with Ally.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend as it's used all over with no problems. CS is great and rates are fair
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is cause I use for only online payments an shopping
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
yes use it for everything
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Can be used to send and save and then use later on
Score by category
Extra perks 4 / 5
Meets financial needs 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend cash back Master card. It's a very good card that is excepted most anywhere and the the cash back on my every day purchases is very helpful. .
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I don't use it everyday because my limit is low
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Customer service worked wth me well on solving a fraudulent charge situation.
Score by category
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Used regularly for large purchases since I have large credit line.
Score by category
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to everyone Ally is great fair and generous easy to work with not excessive with their terms great flexibility love being apart of The Ally Unbrella
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card based on the fact it's simple and although they haven't been able to resolve my issue with creating an online account, customer service is acceptable.
Score by category
Meets financial needs 5 / 5
Online portal or mobile app 1 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
The fees are too high
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. It's a card we use for certain weekly purchases.
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because of the low cost and the great customer service
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It had a great rate and great rewards
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
MasterCard is widely accepted and the cash back feature gives me so much back on purchases that it makes it very worth it.
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would because it’s very trust worthy and sleek looking.
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I bank with Ally
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Have used the benefits as a gift to someone
Score by category
Extra perks 4 / 5
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i would due to the low introductory rate and customer service they provide
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
low interest rates
Score by category
Meets financial needs 4 / 5
Online portal or mobile app 2 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i would
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I recently got the card and I’m happy with it. I also opened up a savings account
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was the best option for what I need.
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 2 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Help to get improve credit score
Score by category
Extra perks 2 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
offer made to me
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
They don't do a very good job of protecting you from scammers
Score by category
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Ally took over for my previous card Ollo. I liked, Ollo’s app better, and the overall running of my account. I wouldn’t recommend Ally, in contrast, but wouldn not recommend again it, either. There is not anything exceptional about Ally.
Score by category
Extra perks 4 / 5
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I get to check in certain hotels for discount prices because of my benefits
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
They have very good fraud detection.
Score by category
Extra perks 2 / 5
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Customer service 2 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
My experience was great. Customer service is easy to work with
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
High interest rates
Score by category
Meets financial needs 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I honestly haven’t used the card in a long time. I used to use it before when it was a different bank and then Ally bought them out. I have really only used my Capital One card recently. The last time I used, it was under the previous bank and, they were decent as far as fighting a fraudulent charge on my card.
Score by category
Extra perks 2 / 5
Meets financial needs 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Needed a credit card, was accepted
Score by category
Extra perks 4 / 5
Meets financial needs 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Written by
Brendan Dyer
Writer, credit cards
Brendan Dyer is a Bankrate editor who writes and edits content for rewards, travel, cash back and business credit cards. He’s passionate about informing readers about the most innovative ways to use their credit cards and how synergistic multiple cards can be in the right hands.
Edited by Senior editor, credit cards
Reviewed by Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.