CNN Underscored reviews financial products such as credit cards and banking accounts according to their aggregate value. We can receive uDo not commission through the LendingTree affiliate network if you apply and are approved for a card, but our reports are always independent and objective. Conditions apply to American Express benefits and offers. Inion may be required for some American Express benefits and offers. Visit americanexpress.com for more information.
The old adage "money is king" has certainly proved more relevant than ever during the pandemic. While many people still like to use their credit cards to earn travel points or miles that they want. can redeem for a one-time trip, cash-saving credit cards have become a more popular option as que demand for travel is further reduced. and international s remain restricted.
So if you are using a credit card that earns rewards for a vacation that maybe hasn't been happening for a little while. For longer, why not consider a card that earns money almost instantly? Having money in your pocket today means you can use that money for whatever you want - or keep it for the future.
Does this sound interesting to you? Then take a look at our list of the best cash back credit cards to decide which one is best for you.your needs.
The Best Cash Back Credit Cards of 2021
Citi® Double Cash Card : best global card for redemption
Blue Cash card Preferred® by American Express : Ideal for American supermarkets
Chase Freedom Flex : the best for urgent catering, including take out and delivery
Citi Custom Cash℠ Card : better for categories 5%
Chase Freedom Unlimited : the best for flexibility
Costco Anywhere Visa® Card by Citi : Ideal for gas
Ink Business Unlimited Credit Card : Ideal for small businesses
Discover it® Cash Back : Best inion bonus
US Bank Cash + ™ Visa Signature® Card : Ideal for streaming
Discover it Cash Back and US Bank Cash + Visa Signature card information was independently collected by CNN underlined. Card details on this page have not been reviewed or provided by the card issuers.
Why did we select these cards as our best cash back credit cards for 2021? The Complete Credit Card Methodologyfrom CNN Underscored compares every aspect of every cashback credit card to our " credit card reference to determine which cards can potentially make you the most money. So let's dive into the details of each card and see how they stack up.
Citi Double Cash
Best overall map for cash back
Why is itnial in one sentence : The Citi Double Cash Card is extremely simple, since you get 2% cash back on every purchase - 1% when you buy and 1% when you pay your statement - all with no annual fee.
This map is made for : people who are looking for a simple, straightforward way to make money without having to worry about category bonuses.
- Earn 2% Cash Back on Everything - 1% when you make a purchase and another 1% when you pay for it.
- Introductory 18-month 0% APR on Balance Transfers (subsequently variable from 13.99% to 23.99%).
- Expert users can convert Citi ThankYou Travel Points Cash Back to a ratio of 1 cent per point when combined with the data Citi Premier℠ Card or Citi Prestige® Card.
- No annual fee.
Inion bonus : none.
What we like about Citi Double Cash : Compared to all the other major cash cardswrites at no annual fee, the Citi Double Cash offers the highest current plan - return rate on every purchase. You'll earn 2% Cash Back - 1% when you buy something and an extra 1% when you pay it back - on every purchase you make. There is no cap on the amount of Cash Back Rewards you can earn, and you don't have to worry about tracking bonus categories.
The Citi Double Cash also offers a relatively long 18-month 0% introductory APR for balance transfers - a great wayto pay off your debt (but make sure you pay it off, as the APR drops to a variable of 13.99% to 23.99% after the introductory offer ends). And you have up to four months after opening the account to complete your first balance transfer and redeem the introductory offer.
Related: Read CNN Underscored's list of the best balance transfer credit cards.
Experts will appreciate to pair this card with one of the premium Citi ThankYou cards , such as Citi Premier . This is because if you also have a ThankYou premium card, you can actually convert your Citi Double Cash cash back into Citi ThankYou points and then transfer those points to any of Citi's 16 airline partners.
One thing that could be better : Although the The Citi Double Cash Card allows you to earn most cash back rewards on your daily purchases, have bonus categories. This can be a disadvantage if you regularly make a large number of purchases in one category particular.
You will also find that Citi Double Cash does not offer many benefits, such as protections travel or shopping.This is also not the card to use for international purchases, as you will be charged a 3% foreign transaction fee when you are abroad, which is more that outweigh the rewards you would earn.
Why this is our reference card : The ease of use and the simple, premium cash back rate of Citi Double Cash this is the reason why CNN Underscored currently usest Double Cash as our credit card "Benchmark to compare features of other credit cards to see if they are better or worse overall.
You can read more about our referral credit card concept in our credit card methodology guide or search our Citi Double Cash exam .
Find out more and apply for the Citi Double Cash Card.
Blue Cash preferred by American Express
Best for American supermarkets
iStock Earn bonus cash back rewards at US supermarkets with the Blue Cash Preferred credit card.
Why it's great in one sentence : the American Express Blue Cash Preferred Card earns 6% cash back in U.S. supermarkets (up to $ 6,000 per year of purchases, then 1%), making it one of the best credit cards year after year for grocery shopping.
This card is suitable for : people who spend large sums in American supermarkets but also want to avoid high interest rates on their first year purchases as a card member.
- Earn 6% cashback cash in US supermarkets up to $ 6,000 per year in purchases (then 1%) and on select US streaming subions.
- Earn 3% cash back at U.S. gas stations and public transportation (including taxis / rideshare, parking, tolls, trains, buses and more).
- Win 1% cash back on everything else.
- 0% APRon all purchases for the first 12 months, then 13.99% to 23.99% variable (see rates and fees ).
- Protection of purchase and return protection.
- Rental car loss and damage insurance.
- $ 0 annual start-up fee f or the first year, then $ 95 thereafter (see rates and charges ).
- Certain conditions apply apply.
Welcome Bonus : Get $ 150 credit after spending $ 3,000 in purchases on your new card within six months of opening the account, plus $ 20% back on Amazon purchases during the first six months of card membership, up to 'to $ 200 discount.
What We Love About Blue Cash Preferred : For many Americans, a portion of the monthly family budget goes towards spending at supermarkets and gas stations. The Blue Cash Preferred counts the cash back bonus of these two categories, creating a benchmark in your wallet for those routine purchases.
Not only will you earn extra cash back on the grocery and gas aisles, but you'll also earn significant cash back on all of your streaming subions in the US. This includes over 20 different providers, such as Disney +, HBO, Netflix, Spotify, and YouTube TV, among others. And as the transit starts to return, you will also receive a good return there, with 3% cash back on those transactions.
Related: Earn more rewards on your errands with these credit cards .
The Blue Cash Preferred also comes with a strong returns protection policy, which can be helpful. Return protection allows you to return an eligible item within 90 days of the date of purchase if the merchant does not take it back. As long as you have used your Blue Cash Preferred to pay it, American Express will refund the full purchase price (excluding shipping and handling). Claims are capped at $ 300 per item, up to a maximum $ 1,000 per card account per calendar year.
One thing that could be better : many bonus categories on the Blue Cash Preferred are limited to purchases made in the United States. There is also a 2.7% foreign transaction fee (see rates and fees ), which does not make it an ideal choice for international travel. And the card has an annual fee of $ 95 after the first year, which is significantly higher than many other cards that offer cash back.
If you prefer a card that has no annual fees and also offers a high return on investment in US supermarkets, you may want to consider the American Express Blue Cash Everyday® Card instead (see rates and fees ). While the Blue Cash Everyday earns less than 3% in US supermarkets (up to $ 6,000 per year, then 1%), if you spend less than $ 3,166 on grocery shopping per year, this might be a better choice.
Related: What is the difference between the two American Express Blue Cash Credit Cards?
Where it beats our referral card : welcome bonus, an introductory interest rate on purchases, protection against returns and a car rental damage coverage.
Where our referral card is best : The Citi Double Cash has an introductory interest rate on balance transfers, and its cash back can be converted into points. Citi ThankYou trip when combined with the Citi Prestige Card or the Citi Premier Card.
Find out more on the Blue Cash Preferred card.
Chase Freedom Flex
Best for restaurants, including takeout and delivery
Chase The Chase Freedom Flex has fixed and rotating bonus categories.
Why it's great in one sentence : the The Chase Freedom Flex Credit Card offerede both fixed bonus categories - including one specifically for meals - and a set of rotating bonus categories, as well as cell phone protection.
This card is made for : people who are looking for a card with no annual fee that allows them to earn bonus money in restaurants, even if they delivery or take out, as well as in several other categories.
- Earn 5% cash back on trips purchased through Chase Ultimate Rewards.
- Earn 3% cash back on restaurant meals, including menu itemstake out and eligible delivery services.
- Earn 3% Cash Back on Pharmacy purchases.
- Earn 5% cash back on quarterly bonus categories (up to $ 1,500 on combined purchases).
- Earn 1% cash back on all other purchases.
- Cash Back Rewards may be transferred to airline and hotel travel programs when combined with certain Chase Ultimate Rewards cards, such as Favorite Chase Sapphire Card .
- Mobile phone protection.
- No annual fees.
Inion bonus : Earn $ 200 cash back bonus after spending $ 500 on purchases in the first three months after account opening, plus 5% cash back on grocery store purchases (excluding Target or Walmart purchases) up to $ 12,000 spent in the first year.
What we love about the Chase Freedom Flex : Although you can sign up at Chase Freedom Flex for its -up bonus sign, it will probably become one of your go-to cards in the long run, thanks to its 5% rotating bonus categories and 3% ongoing cash back at restaurants and drugstores.
The Chase Freedom Flex earn 5% on trips booked through Chase Ultimate Rewards , 3% in pharmacies and 3% in restaurants. Restaurant.
But in addition to these three categories of fixed bonuses, the card offers a set of 5% bonus categories that change quarterly . For the current quarter from July to September, the categories are grocery stores (except Target and Walmart) and some streaming services. Rotating categories are capped at $ 1,500purchases per quarter, so you can earn up to $ 75 in bonus cash.
Apart from the bonus categories, this card also offers many unique benefits that differ from most other Chase cards. One of our favorites is the cell phone protection . Like lo ng when you use your Chase Freedom Flex to pay your monthly cell phone bill, you will be covered against theft or damage to your phone, up to $ 800 per loss and $ 1,000 per year, with a deductible of $ 50 per loss and a maximum of two claims in a 12 month period. This is currently theChase's only no annual fee credit card that offers this much sought-after benefit.
Related: Protect your cell phone from theft or damage with these credit cards .
One thing that could be better : although there is no maximum cash back you can earn in the three fixed bonus categories, the 5% spinning cash back categories have this cap of $ 1,500 in purchases - after this you will only gain one. % cash back in these categoriesries for the remainder of the quarter. And you will have to remember to activate categories rotating each quarter in order to earn bonus money.
Where it beats our benchmark card : inion bonus, bonus categories and cell phone protection.
Where our reference card is better : the Citi Double Cash has an introductory rate on balance transfers.
Learn more and request the Chase Freedom Flex .
Citi Custom Cash Card
Best for categories 5%
Citi Earn 5% cash back in the qualifying category you spend the most each month with the Citi Custom Cash card.
Why it's great in one sentence: You don't have to worry about hunting for bonus categories with the Citi Custom Cash Card , because it automatically earns 5% cash back in the eligible category in which you spend the most each month, up to $ 500 in purchases.
This card is for : people who regularly spend large sums in one or more of the categories eligible and wishing to earn bonus money in this category.
- Earn 5% cash back on purchases in your highest qualifying spend category each billing cycle, up to $ 500 spent, then 1% cash back thereafter.
- Earn Cash Back 1% cash back on all other purchases.
- 0% introductory APR on 15 month purchases (13.99% to 23.99% variable thereafter ).
- 15-month 0% introductory APR on balance transfers (13.99% at 23.99% variable thereafter).
- Expert users can convert the discount into Citi ThankYou travel points at a ratio of 1 cent per point when combined with the Citi Premier Card or Citi Prestige.
- No annual fee.
Inion bonus : win $ 200 cash back after spending $ 750 on purchases in the first three months after opening the account.
What we like about the Citi Custom Cash Card : The Citi Custom Cash Card is a Relatively new credit that is meant to make life easier for those who don't like spending time focusing on bonus categories. The card automatically earns 5% cash back in the eligible category you spend the most in each month up to $ 500 in purchases, then 1% cash back thereafter.
The benefit of this feature is that if your main expense category changes every month, the Citi Custom Cash will change at the same time. And with a large list of categories eligible for 5% return, you won'tYou should have no problem getting 5% cash back on at least some purchases each month. The eligible categories are:
- Gas stations
- Groceries li>
- Select trip
- Select public transport
- Select streaming services
- Improvement of the 'habitat
- Fitness clubs
- Live entertainment
Also, like the Citi Double Cash , if you have either a Citi Premier or Citi Prestige, you can use the cash back earned on the Citi Custom Cash Card as thank you points instead, and forward them to one of Citi's airline partners, potentially getting even more value for them than just 1 cent per point.
More, new data Citi Custom Cash Card benefit from an introductory 0% APR on purchases and balance transfers for the first 15 months, which can be very useful if you need to temporarily contracter a debt. Just make sure you pay it off in full at the end of the 15 months, as the rate drops to a variable APR of 13.99% to 23.99% once the introductory offer expires.
One thing that could be better : The 5% cash back bonus is limited to only eligible categories on the Citi Custom Cash Card , so anything you buy cannot potentially earn bonus cash. Additionally, there is a 5% balance transfer fee on the card, which is higher than the typical 3% fee on many other cards, including our reference Citi Double Cash . However, the 15 month introductory period on purchases is free, so it may be a good idea to use this functionality of the card and avoid the balance transfer part.
Where it beats our referral card : Inion bonus, 5% bonus category and rate launch on purchases for 15 months.
Where our referral card is best : If you're only looking to get a lump sum cash back on every purchase you make, the Citi Double Cash will earn more on your everyday purchases.
Learn more and apply for the Citi Custom Cash Card.
Chase Freedom Unlimited
Best for flexibility
iStock Cash Back Rewards earned with the Chase Freedom Unlimited can also be used as points for travel, and at a higher value, when combined with a Chase Ultimate Rewards premium card.
Why it 's great in one sentence : If you want to earn bonus rewards on all your purchases but don't know if you prefer cash back or travel rewards, the Chase Freedom Unlimited vous allows you to do both when paired with Chase Sapphire Preferred or Chase Sapphire Reserve card .
This card is ideal for : people who want maximum flexibility with a credit card with no annual fee.
- Earn 5% cash back on trips purchased through Chase Ultimate Rewards.
- Earn 3% cash back on restaurant mealsant, including takeout and qualifying delivery services.
- Earn 3% Cash Back on Pharmacy purchases.
- Earn 1.5% cash back on all other purchases.
- Power users can convert cash back into flexible travel points when 'They pair the Freedom Unlimit ed with a Chase Sapphire Preferred or Reserve card.
- Introductory APR of 0% for 15 months on purchases (14.99% at 23 , 74% variable thereafter).
- No annual fee.
Welcome bonus : Earn $ 200 bonus cash back after spending $ 500 on purchases in the first three months after opening the account, plus 5% cash backin cash on grocery store purchases (excluding Target or Walmart purchases) up to $ 12,000 spent in Year One.
What We Love About Chase Freedom Unlimited : If you prefer Cash Back now but think a dose of adventure is in your future, the Chase Freedom Unlimited can give you the best of both worlds.
When you link Freedom Unlimited with a Chase Ultimate Rewards premium credit card, such as Chase Sapphire Preferred or Chase Sapphire Reserve , you can convert your cash back into travel points at the rate of 1 cent per point. Then you can redeem those points for trips worth up to 1.25-1.5 cents each through the Chase Travel Portal.
Even better, once you've converted the cash back into points, you can transfer them to any of Chase's 14 airline and hotel loyalty partners. This incredible flexibility is why the frequent flyer website The Points Guy values Ultimate Rewards points at 2 cents each. At this rate, since you earn 1.5% cash back in all non-bonus categories with Freedom Unlimited, you could effectively end up with a 3% return on your daily purchases.
One thing that could be better : the Citi Double Cash comes with a higher cash back rate on daily purchases, and you can also convert its cash back to travel points in conjunction with a Citi premium card.
But Citi's travel partners aren't as impressive as Chase's, and while Double Cash doesn't have any bonus categories, Freedom Unlimited has the same trio of bonus categories as the Chase Freedom Flex (although you will not receive cell phone protection with the Chase Freedom Unlimited).
Where it beats our reference card : inion bonuses, bonus categories, purchase protection, extended warranty protection and an introductory price on purchases for 15 months.
Where our referral card is better : If you're only looking to get a lump sum cash back on every purchase you make, the Citi Double Cash will earn you more on your daily purchases.
Learn more and request the Chase Freedom Unlimited.
Costco Anywhere Visa
Best for gas
iStock Earn bonus cash back on gas purchases, both at Costco and other gas stations.
Why this 's great in one sentence : the Costco Anywhere Visa Card by Citi offers big rewards on many convenient purchases, such as 4% cash back on qualifying gasoline purchases worldwide (capped at the first $ 7,000 in purchases by year, then 1% thereafter), 3% Cash Back at Restaurants and Qualifying Travel Purchases, and 2% Cash Back on all Costco's and costco.com purchases.
This card is for : Costco members who want great rewards when they shop at Costco and refuel.
Hig Highlights :
- Earn 4% Cash Back on qualifying gas purchases worldwide, including gas Costco (capped at first $ 7,000 in purchases per year, then 1% thereafter).
- Earn 3% Cash Back at restaurants and on qualifying travel purchases.
- Earn 2% Cash Back on all Costco products and costco.com purchases (other than Costco Essence).
- Earn 1% cash back on all other purchases.
- Purchase protection and no transaction fees at abroad.
- No annual feesnuels.
Inion bonus : none.
What we love about the Costco Anywhere visa : For those looking to refuel their vehicle, the Costco Anywhere Visa offers the most cash back rewards compared to other top- earn credit cards.
Earn 4% cash back on all gas purchases in theThe world for the first $ 7,000 a year (1% thereafter) can add up quickly and save you a lot of money over the course of the year. And other than the earning potential on gas, earning 3% cash back on resting aurants and qualifying travel purchases is on par - and several times better - than what you'll see with other cards. credit with cash back.
The Visa Costco Anywhere also offers purchase protection, which is a great benefit for all purchases. You will be covered if your item is damaged or stolen within 120 days of purchase (90 days for New York residents). Coverage is valid up to $ 10,000 peritem and $ 50,000 per year, and purchase protection applies to items you buy anywhere, not just at Costco.
One thing that could be better : A big drawback of the Visa Costco Anywhere is that you have to wait a full year to receive your rewards, which are sent in the form of a certificate annually after your February billing statement is closed each year. Certificate can be redeemed for Costco purchases or redeemed for cash at your local Costco store, and will expire if not redeemed by December 31 of that calendar year.
In addition, although this card does not have an annual fee, to be a member you must have a membership Costco, which starts at $ 60 per year.
Where it beats our referral card : purchase protection and no overseas transaction fees. Plus, the Costco card is a Visa credit card, which is accepted at Costco in-store and at costco.com - Mastercards such as Citi Double Cash are not accepted in stores.
Where our reference card is better : With the Citi Double Cash , you receive your cash back on a monthly basis instead of once a year, and you don't have to physically go to a store to redeem your rewards for cash.
Read our Costco Anywhere Visa Credit Card Review .
Learn more and request the Costco Year Visa cardywhere from Citi.
Ink Business Unlimited
Best for small businesses ness
iStock Small businesses can earn $ 750 in cash bonus whenopening a new Ink Business Unlimited credit card.
Why this 's great in one sentence : Small business owners can earn 1.5% cash back on all their purchases with the Ink Business Unlimited with no annual fee, and also have the ability to convert their cash back into travel rewards down the line when combined with a premium Chase card.
This card is ideal for : businesses that want flexible cash back rewards atWithdrawal from a credit card with no annual fee.
- Earn 1.5% cash back on all purchases.
- Business users can convert cash back into flexible travel points when pairing Ink Business Unlimited with a Ink Business Preferred credit card , or a personal Sapphire card.
- Introductory rate of 0% over 12 months on purchases (13.24% to 19.24% variable thereafter).
- Pri mary car rental insurance.
- Purchase protection and extended warranty coverage.
- No annual fee.
Inion bonus : earn $ 750 back in cash after spending $ 7,500 on purchases in the first three months after opening the account.
What we love about Ink Business Unlimited : If your business is looking for a simple and easy to understand cash back card, the Ink Business Unlimited is an excellent and simple optio nm It earns you 1.5% cash back on anything your business purchases with it, 365 days a year.
And if you ultimately decide you prefer travel rewards over cash back, you can pair Ink Business Unlimited with the prime Ink Business Preferred ( or alternatively, the Chase Sapphire Preferred or Chase Sapphire Reserve ) and convert your money into travel points, then redeem the points for travel or transfer them to any of Chase's 14 airlines and hotel loyalty partners.
In addition, this is thehe perfect time to get the Ink Business Unlimited . This is because the card currently comes with the highest inion bonus we've ever seen. New cardholders can earn $ 750 in bonus cash back after spending $ 7,500 on purchases within the first three months of opening the account. This is an amazing inion bonus for a card that has no annual fee.
One thing that could be better : You won't want to use Ink Business Unlimited for your overseas purchases, as it charges a 3% overseas transaction fee. And the $ 7,500 minimum pending requirement to earn the inion bonus of$ 750 isn't small, but it should be doable for any small business that has regular expenses that can be billed to a credit card.
Where it beats our referral card : inion bonus, primary rental car insurance, purchase protection, extended warranty protection and an introductory rate on purchases for 12 months.
Where our referral card is best : If you're only looking to get a lump sum cash back on every purchase you make, the Citi Double Cash will earn you more on your daily purchases.
Learn more and request Ink Business Unlimited .
Discover it Cash Back
Best sign -up bonus
iStock For its bonus sign, the Discover it Cash Back card matches all cash back rewards earned in the first year.
Why it's great in one sentence : The rotating categories and the cash back match bonus on the Discover it Cash Back means you can earn a ton of cash the first year you have the card.
This card is ideal for : people looking for a card with a great inion bonus and who are spending regularly earn money in popular rotating categories, such as grocery store, gas stations, restaurants, Amazon.com and more.
- Earn 5% cash back in rotating quarterly bonus categories up to $ 1,500 each quarter (you must register each quarter to get 5% cash back).
- Earn 1% cash back on all other purchases.
- 0% of iInterest on all purchases during the first 14 months (11.99% to 22.99% variable thereafter).
- 0% introductory APR for 14 months on balance transfers (11.99% to 22.99% variable APR after that) with an introductory balance transfer fee of 3%, up to 5% fee on future balance transfers ( see conditions).
- No foreign transaction fees.
- No annual fees.
Inion Bonus : Receive one match of all cash back rewards earned at the end of your first year.
What we love about the Di Cash Backscover it : Earning 5% cash back on a quarterly basis, up to $ 1,500 per quarter, means your money can really add up. The current quarterly categories on the Check out the Cash Back are restaurants and PayPal, while other categories ies later on the 2021 bonus calendar include Amazon.com , Walmart .com and Target.com .
On top of that, all the cash back you earn on the Check it out Cash Back as a new cardholder will be paired at the end of the first year, making this an ideal card to have if you know you will be spending a lot on your credit card over the next year. This means that these rotating bonus categories are worth 10% in the first year, and all your purchases outside the bonus categories earn a solid 2% return in the first year.
In addition to an excellent prCash Back Program, new cardholders can also enjoy an introductory 0% interest on all purchases and balance transfers for the first 14 months from the date of the first transfer, although the rate changes to a variable of 11.99% to 2.99% at the end of the 14 month period. There is an introductory balance transfer fee of 3% which goes up to 5% on future balance transfers (see conditions)
Related: Running out of money? These credit cards charge 0% interest on purchases .
One thing that could be better a: you won You will not get paid on your inion bonus until you have had the card for an entire year, while many other welcome credit card offers are paid for as soon as you meet the minimum spend requirements. You should also pay close attention to the calendar cash back and manually activate the categories on the data-amp Check Out Cash Back quarterly, online or over the phone, before making purchases to earn bonus cash back.
Where it beats our referral card : No overseas transaction fees or introductory interest on purchases, and the first year cash back equals the winning rate du Citi Double Cash for everyday purchases and beats it considerably in the bonus categories.
Where our referral card is best : after the first year the cashback bonus ends, the Citi Double Cash provides a better return on daily purchases .
US Bank Cash + Visa
Best for streaming
iStock Choose "streaming " as one of your US Bank Cash + visa 5% bonus categories.
Why it 's great in one sentence : Cardholders earn 5% cash back in two categories they select from a list - including options like streaming services - every quarter throughout the year, up to 2,000 $ of purchases per quarter.
This card is suitable for : people who want a credit card with no annual fee that offers the opportunity to earn money in the categories that suit them best depending on their personal spending habits.
- Earn 5% Cash Back on your first $ 2,000 of combined credit card purchases each quarter on two categories of your choice.
- Earn 2% cash back on another category of your choice.
- Earn 1% Cash Back on all other purchases.
- 0% introductory APR for 18 billing cycles on balance transfers (variable APR of 13 , 99% to 23.99% thereafter).
- No annual fee.
Inion bonus : Earn a bonus of $ 200 after applying online and spending $ 1,000 on qualifying purchases within 120 days of opening the account.
What we like about Visa US Bank Cash + : by compared to the other category of 5% rotation cards, the US The Bank Cash + Visa Signature card is the only one that allows you to customize your cash back categories to select two that best suit your quarterly spending habits.
With about a dozen category options to choose from, the 5% cash back categories on data-amp US Bank Cash +Visa includes:
- Fast food
- TV, Internet and streaming services
- Cell phone suppliers
- Department stores
- Electronics stores
- Home utilities
Since streaming services are popular these days, you can select this as one of your two options. And while the Blue American Express Cash Preferred Card earns a little more money on US streaming services, comes with an annual fee of $ 95 after the first year , which you don 't have to worry about with theUS Bank Cash + Visa.
With the US Bank Cash + Visa , you also earn this 5% cash back up to $ 2,000 in purchases in the two categories you chose during each quarter, while Other similar cards cap your cash back at $ 1,500 during the same period. This means you can earn up to $ 100 in bonus cash back per quarter or up to $ 400 per year.
In addition to the 5% cash back options, you will also be able to select a category to earn cash back2% cash each quarter, with no cap on how much you can earn. These 2% categories typically include popular choices such as:
- Grocery Stores
- Gas Stations
One thing that could be better : You need to enable cash back categories every quarter on the US Bank Cash + Visa , and you will only earn the increased cash back of 2% or 5% after activation; rewards cannot be applied retroactively. This means that you really need to be aware of your credit card and remember which categories you choose.ction on a quarterly basis.
The 5% cash back options also do not include some more common categories. Instead, everyday purchases like buying groceries and refilling your gas tank are in the lower 2% cash back bucket.
Where it beats our referral card : Inion bonuses, selectable bonus categories and an introductory offer on balance transfers.
Where our reference card ist better : The Citi Double Cash has a longer introductory ductory offer on balance transfers and earns a 2% higher lump sum cash back on all your daily purchases for those who don't want to worry about category bonuses and a maximum cap.
Looking for a credit card that earns travel rewards? Check out CNN Underscored's list of best travel credit cards of 2021 .
Get all the latest personal finance offers, news and tips at CNN Underscored Money.
Click on here for find out the rates and fees for the Blue Cash Preferred card.
Click on here for pricing and fees for the Blue Cash Everyday card.