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Earn Intro Cash Back & up to 8% Cash Back on Purchases
Best for cash back
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Chase's secure site
See Rates & FeesIntro offer
Earn $200 cash back
Rewards rate
1.5% - 5%
Annual fee
$0
Regular APR
18.99% - 28.49% Variable
Why you'll like this: It has solid flat cash back rates in everyday spending categories.
Reward Details
- 5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
- 3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
- 1.5%1.5% cash back on all other purchases.
What you should know
Learn more: Is the Chase Freedom Unlimited worth it?
Alternatives: While the Freedom Unlimited has great cash back rates on everyday purchases, cards like the Wells Fargo Active Cash® Card’s flat 2 percent cash rewards or the Citi Double Cash® Card's 1 percent when you buy and 1 percent when you pay it off might give you more rewards.
- It has a unique 3 percent cash back on drugstore purchases and dining at restaurants.
- The card’s intro APR offers on purchases and balance transfers give it even more first-year value.
- The flat 1.5 percent cash back rate doesn’t measure up to competing cards’ rates, so you might miss out on cash back if your spending doesn’t include many dining or drugstore purchases.
- Maximizing rewards with the Freedom Unlimited means pairing with a Chase travel card, which can be a hassle.
Card Details
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Best for flat-rate cash rewards
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Wells Fargo's secure site
See Rates & FeesIntro offer
$200 cash rewards
Rewards Rate
2%
Annual fee
$0
Regular APR
19.24%, 24.24%, or 29.24% Variable APR
Reward Details
- 2%Earn unlimited 2% cash rewards on purchases
Bankrate’s view
- The card has no spending caps, so you can maximize your earning potential.
- Your redemption options are flexible, including redeeming for direct deposit to your checking account.
- This card charges a foreign transaction fee, so it’s not the best travel companion.
- It lacks perks for streaming services, rideshare credits and other benefits competing cards routinely offer.
Card Details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don't expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for groceries
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on American Express's secure site
See Rates & Fees, Terms ApplyBalance transfer intro APR
0% on balance transfers for 12 months
APR
20.24%-29.24% Variable
Rewards rate
1% - 6%
Annual fee
$0 intro annual fee for the first year, then $95.
Why you'll like this: You can enjoy a best-in-class rewards rate on groceries as you pay off debt with its intro APR.
Reward Details
- 6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6%6% Cash Back on select U.S. streaming subscriptions.
- 3%3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1%1% Cash Back on other purchases.
What you should know
Learn more: Is the Blue Cash Preferred worth it?
Alternatives: If you’re a fan of what the Blue Cash Preferred has to offer, but want to skip the annual fee, the Amex Blue Cash Everyday is a great no-annual-fee alternative.
- The ongoing annual fee after the first year is easy to offset with cash back and annual credits.
- It offers competitive cash back rates on gas and transit purchases, which don’t have a spending cap.
- Not ideal for spending abroad due to its 2.7 percent foreign transaction fee.
- The intro APR offers are shorter than many competing card offers, which could make it harder to pay off your debt with this card depending on your balance.
Card Details
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
Best For Cash Back Category Variety
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Discover's secure site
See Rates & FeesIntro offer
Cashback Match
Rewards rate
1% - 5%
Annual fee
$0
Regular APR
18.24% - 27.24% Variable APR
Reward Details
- 5%Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate.
- 1%Plus, earn unlimited 1% cash back on all other purchases.
Pros & Cons
Card Details
Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.
Best for foodies
Cardholder rating
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Capital One's secure site
See Rates & FeesIntro offer
Earn $200 Cash Back
Rewards rate
1% - 8%
Annual fee
$0
Regular APR
19.24% - 29.24% (Variable)
Why you'll like this: Its platter of rewards categories features some of the best rates you can get on grocery and restaurant purchases.
Reward Details
- 8%8% Cash Back on Capital One Entertainment purchases
- 5%5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3%3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- 1%1% Cash Back on all other purchases
What you should know
Learn more: Is the Capital One Savor worth it?
Alternatives: The Chase Freedom Unlimited® also offers a great unlimited rewards rate on dining, but stands out for its flat 1.5 percent cash back rate on general spending, which could make it a better standalone option if your spending doesn’t center around groceries or entertainment.
- Its welcome bonus is pretty high while having an attainable minimum spend.
- You can earn an impressive rate of 8 percent cash back on Capital One Entertainment purchases.
- The entertainment and streaming service bonus categories may not be as lucrative as other popular categories competing cards offer.
- It has a relatively thin portfolio of benefits for cardholders, especially for a card that requires good to excellent credit for approval.
Card Details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
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