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🤑 The Best Cash Back Credit Cards of 2019 - Top Deals - The Points Guy

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(Photo by Eric Helgas for The Points Guy) Welcome bonus: $500 cash back after you spend $3,000 on purchases in the first three months after account opening. If you’re looking for a business card that offers solid value from a cash-back standpoint, the Ink Business Cash Credit Card is a terrific option. You’ll earn 5% cash back on the first.


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To do this, many or all of the products featured here are from our partners.
Our opinions are our own.
The largest bonuses typically come from travel credit cards — cash bonus credit card 2019 and hotel-branded cards especially, but also general-purpose travel cards.
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Discover will match ALL the cash bonus credit card 2019 back you've earned at the end of your first year, cash bonus credit card 2019 />There's no signing up.
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Factors in our evaluation include fees, promotional and ongoing APRs, and bonus offers; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty.
A single card is eligible to win in multiple categories.
To view rates and fees of the The Platinum Card® from American Express, please visit.
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To view rates and fees of the Blue Cash Preferred® Card from American Express, please visit.
To view rates and fees of the The Business Platinum® Card from American Express, please visit.
We want to hear from you and encourage a lively discussion among our users.
Please help us keep our site clean and safe by following ourand avoid disclosing personal or sensitive information such as bank account or phone numbers.
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NMLS ID 1617539 Disclaimer: NerdWallet strives to keep its information accurate and up to date.
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(Photo by Eric Helgas for The Points Guy) Welcome bonus: $500 cash back after you spend $3,000 on purchases in the first three months after account opening. If you’re looking for a business card that offers solid value from a cash-back standpoint, the Ink Business Cash Credit Card is a terrific option. You’ll earn 5% cash back on the first.


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Best Cash Back Credit Cards of 2019. The Discover it Cash Back is arguably the best cash back credit card. Not only does it offer one of the best cash back rates, but it also comes with an automatic cash back match by Discover at the end of your first year.


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With the HSBC Cash Rewards Mastercard® credit card: • Earn unlimited 1.5% cash rewards on all purchases. • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases


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Opinions on this site are ours alone, and have not been reviewed or approved by the issuer.
See our for more details.
Shares 1 The points and miles we earn on credit cards are great for booking travel, but cash-back is king when it comes to flexible rewards that boost your financial bottom line.
You can always find an immediate use for cash-back earnings.
For that reason, it takes some research to match up your own major spending categories to a credit card that earns the most cash-back on those purchases.
Cash-back credit cards have relatively simple rewards-earning and redemption structures.
You spend on your card and get a rebate on a percentage of your purchases in the form of cash-back.
Some purchase categories earn more cash-back than others.
For example, on one cash-back credit card you might receive 5% cash-back on office supply purchases, 3% cash-back onand 1% on all other purchases.
On another, the percentages and categories could be totally different — so selecting a cash-back credit card that rewards your greatest spending categories is key.
There can also be limits on the amount of cash-back you can receive in a given category.
These bonus offers fluctuate and are specific to each card, but they can be another consideration when selecting your cash-back credit card.
Additionally, how you receive your cash-back can differ.
You may earn points that can be redeemed for cash-back, receive your cash-back cash bonus credit card 2019 as a statement credit, or accumulate earned cash-back in a separate account.
This card credits the cash-back 2 periods after it is earned, but other cash-back cards may have a different time period.
There is no opportunity for accumulation and no manual redemption process.
Using your cash-back creatively can help fund your travel goals.
Image created by Jennifer Hart from Wish Upon a Star.
This question is not easily answered, because deposit no car rental credit card reward that is most valuable to you will be the one you can use to realize your goals.
If travel is your goal, points and miles can get you where you want to go using award tickets, hotels, and offsetting travel-related purchases.
For example, if your goal is to use your cash-back earnings towardyou may want to purchase Disney cash bonus credit card 2019 cards, restaurant gift cards, or gas cards with each cash-back distribution.
If travel is not your priority, but having a little extra cash flow would help your financial bottom line, a cash-back credit card may be a good option.
After that, unlimited 1.
Cash-back credit cards with 0% APR periods for purchases can help you finance a cruise vacation with cash bonus credit card 2019 interest charges.
Image courtesy of Shutterstock.
For example, if you makeyou can pay it off over time during the 0% APR period and not be charged any interest.
Access our complete for more information on how interest-free credit link work.
Hot Tip: A cash-back credit card with a 0% APR period can help you reach your travel goals when used creatively.
For example, with the Discover it ® Cash Back card, you could charge a deposit for a cruise 18 months out and make payments without interest during the 14-month 0% APR period.
At 12 months, cash bonus credit card 2019 would receive your cash-back matched and could use those funds to help pay off the remaining balance.
The Best Cash-Back Credit Cards With Quarterly Rotating Bonus Categories Some cash-back credit cards change their bonus spending categories on a quarterly basis and require you to register each quarter to earn the 5% cash-back bonus.
The Discover it® cards all offer a cash-back match at the end of the first card anniversary year, meaning all of the cash you earned in your first year is matched and added to your account.
A real plus is that none of these cards charge an annual fee!
The Best Cash-Back Credit Cards for Businesses A business cash-back credit card serves the essential purpose of separating business expenses from personal expenses.
Earning cash-back while paying for business purchases allows you invest those dollars right back into your business.
Spending on bonus categories that earn 5% cash-back or more helps your earnings add up quickly.
Image courtesy of creditcards.
The Best Cash-Back Credit Cards With 5%+ Categories Earning 5% cash-back or better on a credit card is a decent return that accelerates your earnings.
If your biggest expenditures match up with any of these 5% bonus spending categories, you may want to investigate the corresponding cash-back credit card further.

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The credit card issuer just revealed its cash back bonus calendar for next year. Cardholders can earn 5% cash back in rotating categories, in addition to 1% back on all other purchases. New for 2019 is the addition of Uber and Lyft during the second quarter (along with gas stations). Discover cash back calendar 2019: What you need to know


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To do this, many or all of the products featured here are from our partners.
Our opinions are our own.
Cash back is the most flexible of all credit card rewards.
Instead of points that you have to figure out how to redeem — and that you might not be able to redeem for something you want — you get real dollars and cents that you can use for, well, anything.
Depending on the card you use and where you use it, you'll earn cash rewards of 1% to 6% of the amount of each transaction.
Cash back credit cards come in : flat-rate, bonus category and tiered.
Flat-rate cards pay the same rate on everything.
Bonus category cards pay a higher rate in categories that change from time to time and 1% on everything else.
Tiered cards pay higher rates on certain types of purchases, such as gas or restaurant meals or groceries, and 1% on other spending.
No single cash back card is a good fit for everyone.
Make your choice based on how you spend money.
All other purchases earn 1% cash back.
Past categories have included such common merchants as gas stations, restaurants, home improvement stores and Amazon.
This card puts you in https://deposit-casino-bonus.website/credit-card/western-union-money-transfer-by-credit-card.html of your sign-up bonus.
Instead of a flat amount paid once you spend a certain amount of money, the bonus is based on your spending and is awarded at the end of your first year: Discover will match ALL the cash https://deposit-casino-bonus.website/credit-card/best-signup-bonuses-for-airline-credit-cards.html you've earned at the end of your first year, automatically.
There's no signing up.
And no limit to how much is matched.
ConsActivating the bonus categories each quarter can be a hassle.
If you forget, you don't get your 5% rewards.
There's no signing up.
And no limit to how much is matched.
ProsThe Wells Fargo Cash Wise Visa® Card pays an unlimited 1.
Flat-rate cash back is hassle-free, but you'll miss out on the extra rewards offered by cards with bonus categories.
And unlike other cards that restrict when and how you cash in your rewards, you can redeem cash back in any amount at any time.
This card also comes with an outstanding introductory APR offer: 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 16.
If you're a hardcore rewards maximizer, this might be best as a secondary card.
Cardholders can shop as they normally would and get a fantastic rewards rate.
Cash back can be redeemed as a statement credit, a gift card or a check in the mail.
ConsThis offer does not include a sign-up bonus, nor does the card have any bonus categories.
Higher cash back percentages can be had on different cards for specific categories.
After that, the variable APR will be 15.
ProsThis card offers 5% cash back on rotating bonus categories, which in recent years have included gas stations, grocery stores, restaurants and wholesale clubs.
You here an unlimited 1% cash back on all other purchases.
ConsThe Chase Freedom® requires you to opt in to the bonus category each quarter.
Enjoy new 5% categories each quarter!
After that, the rate drops to 1.
ProsNot only do you get a stellar cash-back rate to start with, you'll also enjoy a nice, long 0% APR period.
So you could use the card for a big purchase, rack up the 3% rewards, then pay it off over time without interest.
The rewards on this card can be transferred to other cards that earn allowing you to get even more value per dollar spent.
Bigger spenders will come out ahead under the new rewards structure.
After that earn unlimited 1.
On top of that, you now get 6% cash back on select U.
All other purchases earn 1% back.
The new-cardmember bonus also adds to the appeal.
Because this card is an AmEx, you may have trouble using it in some places.
ConsThe card offers a good rate at grocery stores, but not extraordinary.
If you buy most of your food at a supermarket, a card that pays 3% or more on grocery store purchases would be better.
ConsRotating category cards involve more work than flat-rate cards, and this one adds an extra layer of effort because you have to pick your more info each quarter.
Forget to do so, and you'll earn only 1%.
After that, a variable APR currently 16.
With solid rewards, annual bonuses and no annual fee, the is a good option for people with good credit.
That makes the effective rewards rate 3.
However, the amount of spending needed to max that out is high.
As with all flat-rate cards, there's no opportunity to earn extra rewards on certain purchases.
ProsThe Alliant Cashback Visa® Signature Credit Card has an outstanding cash-back rate: unlimited 3% rewards on every purchase in the first year, then unlimited 2.
The card also has no foreign transaction fee, making it a good option for international travel.
The offers an extremely competitive 1.
The rate is the same as that paid by the Capital One® Quicksilver® Cash Rewards Credit Card, which is only for people with excellent credit.
There are no foreign transaction fees, and Capital One may bump your credit limit up if you make your first five monthly payments on time.
The ongoing APR is high, so you should plan on paying your balance in full each month; otherwise, the interest will wipe out your rewards.
How their rewards rates stack up The cards on our roundup are the ones we consider the best when taking all their features into account — cash-back rates, bonuses, 0% APR periods, etc.
But they're not the only good cash-back cards on the market.
After that earn unlimited 1.
Offer valid now through June 15, 2019.
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.
There's no signing up.
And no limit to how much is matched.
What are cash-back credit cards?
Cash-back credit cards offer the most useful and flexible rewards currency there is: cash.
Points and miles can have squishy value and limited flexibility when redeeming.
But a dollar in cash back is a buck you can spend anywhere.
Also, cash-back cards are typically the simplest rewards cards: You get article source certain amount of cash for every dollar you spend.
You might get more cash back for certain types of spending — at restaurants or gas stations, for example.
Think of it this source A cash-back rewards card is like getting a discount on everything you buy with the card.
The fun comes when you use the card everywhere and your cash back piles up.
Even the best cash-back credit cards probably aren't as flashy as travel rewards credit cards, but as with the hare and the tortoise, sometimes slow-and-steady wins the race.
Types of cash-back credit cards Cash-back credit cards come in that determine how you accumulate cash rewards.
Flat rate Flat-rate cash-back cards give you a set percentage of cash back regardless of what you buy with the card.
A good benchmark is.
But a few cards give you back 2% or even more.
This card gives you 2% cash back on all purchases: 1% for every dollar you spend and another 1% for every dollar you pay off.
It pays unlimited 1.
Tiered Tiered cards earn a higher rate in specific categories of spending, such as groceries or gas, and usually 1% on everything else.
With some cards, you get to choose which categories earn the higher rewards.
Earn 6% back cash bonus credit card 2019 U.
All other spending earns 1% back.
It pays 3% cash back on restaurant dining and entertainment, plus 2% back at grocery stores and 1% back on all other purchases.
Rotating categories Rotating bonus category credit cards offer a high cash-back rate, typically 5%, in specific categories that change periodically — usually every three months.
Everything else earns 1% on everything else.
You have to "opt in" or "activate" the bonus categories online each quarter.
Common cash-back bonus categories Many cash-back cards earn a higher rewards rate for certain purchases.
So it applies to groceries, cleaning supplies, toiletries, prepared meals and anything else bought at the supermarket.
You can often buy a gift card for a restaurant or retailer at the supermarket, and it counts as a supermarket purchase.
Often warehouse clubs and superstores, like Target and Walmart, are excluded.
For larger households, this can be one of the most valuable categories to get accelerated rewards.
Sometimes called "dining," this usually includes everything from fast-food restaurants and pizza delivery to white-tablecloth fine dining.
This is often described as "gas" and usually applies to traditional gasoline service stations, such as Mobil, Shell and BP.
It usually doesn't extend to gas stations affiliated with supermarkets or warehouse clubs.
Often, it counts everything you buy in the associated convenience store, too, although a few cards count only gas paid for at the pump.
That last point hints at the key to cash-back categories — the best ones are where you spend the most money regularly.
Other bonus categories you might see include entertainment, drugstores, home improvement stores, wholesale clubs and cash bonus credit card 2019 wallet purchases.
Rotating bonus category cards sometimes designate specific retailers for bonus rewards for a quarter, such as Amazon or Walmart.
How to compare cash-back credit cards Which type of cash-back credit card is right for you depends on how you spend money and your patience for tracking rewards categories.
If you spend a lot in certain categories, such as gas or groceries, consider a tiered or bonus category card.
The key is to make sure paying the annual fee is worthwhile mathematically.
Think of the fee as a reduction in your annual cash-back total.
Sign-up bonus A cash is nice to get — if your regular spending will be enough to earn it.
Or, for a card with an annual fee, it might compensate for the annual fee for a few years.
Bonuses are less common with cash-back cards, and bonuses are low compared with those on travel credit cards.
A higher rewards rate on one card could be a better deal than a card with a bonus and a lower rate, depending on how much you spend and where you spend it.
Flexibility What are the rules for getting your cash back?
Some cards allow you to take the cash back as a statement credit, which can lower your next credit card bill.
Others allow you to redeem cash directly into your bank account, while some offer to mail you a paper check.
Some issuers allow you to redeem rewards for more than cash back — for merchandise or gift cards, for example.
And others might allow you to transfer cash-back points to another card program where strategic use might yield better value.
Carrying a balance from month to month incurs that can eat up the value of your rewards.
If you expect to carry a balance, look for a instead.
» MORE: Cash back vs.
And co-branded travel cards for airlines and hotel companies might give you perks no other card will.
For example, airline cards often offer and priority boarding.
Many of the give you a free night's stay each year.
A found in many cases, a consumer could get more value by using a cash-back card and using the cash rewards to pay for travel expenses.
A big exception: Americans who travel overseas an average link at least once per year are often better off with a travel rewards credit card because of higher point values and no foreign transaction fees.
» MORE: Pros and cons of using a cash-back card Cash-back cards are great for many people, but not everybody.
Pros: Why it's worth getting a cash-back card Best rewards currency.
Cash is king for flexibility.
Nobody can change the value of it, and you can spend it anywhere.
No or low annual fees.
You can find plenty of choices with no annual fee or reasonable fees if you want superior cash-back rewards.
Cons: Why a cash-back card might not be for you Relatively low sign-up bonuses.
Points earned with travel cards can sometimes be parlayed into huge value, far exceeding the value of any cash-back card.
Inappropriate for carrying a monthly balance.
Some cash-back cards have a good 0% intro APR period, but most do not.
Some cash-back cards charge you a percentage of every purchase you make abroad.
Such fees are rarer on travel and link cards.
But if you never carry a balance, try to pile as much spending as you can onto your cash-back card to pump up your rewards.
For example, you can get one card that offers extra cash back for dining, another that offers extra for shopping at Amazon, and another that gives extra for gas and groceries.
Earn your sign-up bonus Make sure you meet the minimum spending requirement to qualify for the bonus, otherwise.
Use the card's shopping portal for extra rewardsaccessible through your credit card login, can help you earn extra cash back on your web-based purchases, sometimes up to 10 times as much.
Other cards to consider If you carry a balance from month to month, the interest can quickly gobble up more than you're earning in cash back.
In that case, a is probably a better choice.
See our for a range of credit cards that earn cash, points or miles.
To view rates and fees of the Blue Cash Preferred® Card from American Express, please visit.
To view rates and fees of the Blue Cash Everyday® Card from American Express, please visit.
To view rates and fees of the American Express Cash Magnet® Card, please visit.
Last updated on June 12, 2019 NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers.
Factors in our evaluation include each card's cash-back earning rates, rewards structure such as flat-rate or tiered categoriesannual fee, redemption options including minimum redemption amountspromotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as loyalty bonuses or the ability to choose one's own rewards categories.
Greg is a personal finance writer at NerdWallet.
He previously worked at the Chicago Tribune and wrote two money books.
We want to hear from you and encourage a lively discussion among our users.
Please help us keep our site clean and safe by following ourand avoid disclosing personal or sensitive information such as bank account or phone numbers.
Any comments posted under NerdWallet's official account are not reviewed or endorsed by cash bonus credit card 2019 of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
NMLS ID 1617539 Disclaimer: NerdWallet strives to keep its information accurate and up to date.
All financial products, shopping products and services are presented without warranty.
Pre-qualified offers are not binding.
If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.