10 Best Cash Back Credit Cards Consumer Reports 2019 – Top Rated

Every serious credit card rewards strategy should involve a cash-back credit card. That’s because these cards essentially offer you a way to earn cash-back rewards on literally every purchase you make and, in some cases, that cash back percentage is substantial (think as high as 6% on your grocery purchases, for instance).

Furthermore, a number of the best cash-back cards out there also happen to be no-annual-fee cards. The key with these cards, as with any credit card, is to ensure that you’re using them smartly AND that you’ve selected a card that aligns with your spending habits, financial goals, and credit history. Let us help you understand what a cash-back credit card is (and isn’t) as well as how to use that card and even narrow down the options for you to some of the top picks on the market right now.

Top 10 Cash Back Credit Cards

Bestseller No. 1
Amazon Prime Rewards Visa Signature Card
33976 Reviews
Amazon Prime Rewards Visa Signature Card
  • 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership* 2% Back at restaurants, gas...
  • No annual fees*
Bestseller No. 2
Discover it® Cash Back
1076 Reviews
Discover it® Cash Back
  • Earn a $75 statement credit after your first Amazon.com purchase within 3 months of your account opening....
  • Discover will automatically match ALL the cash back you've earned at the end of your first year. There's no...
Bestseller No. 3
Zero Grid Cell Phone Credit Card Holder Stick On Wallet Case w/RFID Blocking (Midnight)
361 Reviews
Zero Grid Cell Phone Credit Card Holder Stick On Wallet Case w/RFID Blocking (Midnight)
  • RFID BLOCKING PROTECTS YOUR CREDIT CARDS & IDENTITY - Built in RFID Blocking Material safeguards your chip...
  • CARRIES EVERYTHING YOU NEED WITHOUT THE BULK - Holds multiple items super tight and snug, nothing will fall...
Bestseller No. 4
Iessvi iPhone X Wallet Phone Case Slim PU Leather Back Case Cover with Credit Card Holder Wallet...
16 Reviews
Iessvi iPhone X Wallet Phone Case Slim PU Leather Back Case Cover with Credit Card Holder Wallet...
  • Designed for iPhone X Please make sure to check your model before purchase, it is for the iphone X
  • Material: PU leather material design makes this iphone X wallet case comfortable to touch , durable felt inner...
Bestseller No. 5
Secure RFID Blacking Lid Pocket Pouch Cell Phone Credit Card Holder 3M Stick On Wallet Case (Pink)
73 Reviews
Secure RFID Blacking Lid Pocket Pouch Cell Phone Credit Card Holder 3M Stick On Wallet Case (Pink)
  • RFID BLOCKING PROTECTS YOUR CREDIT CARDS & IDENTITY - Built in RFID Blocking Material safeguards your chip...
  • CARRIES EVERYTHING YOU NEED WITHOUT THE BULK - Holds multiple items super tight and snug, nothing will fall...
Bestseller No. 6
Samsung [S8 Plus] Removable Wallet Case, LefRight Vintage Leather Magnetic Flip 12 Credit Card...
11 Reviews
Samsung [S8 Plus] Removable Wallet Case, LefRight Vintage Leather Magnetic Flip 12 Credit Card...
  • Construct with Premium Leather by Great Workmanship, Perfect for Samsung S8 Plus.
  • Quality Material Makes it Comfortable to Touch and Grip. All in One Design, Multiple Compartments for Credit...
Bestseller No. 7
Red Quilted Leather Clutch Wallet Purse Case Credit Card Cash Cover with Strap - Estuches Fundas...
  • 100% Brand New
  • Red Quilted PU Leather Featuring Cute Clutch Purse & Carry Strap
Bestseller No. 8
liangdongshop 3 Way Water Resistant Utility Gadget Pouch RFID Blocking Passport Phone Waist Pack...
70 Reviews
liangdongshop 3 Way Water Resistant Utility Gadget Pouch RFID Blocking Passport Phone Waist Pack...
  • [Durable & Water-resistance & RFID Blocking] - This pouch is mainly made with water-resistant oxford...
  • [Lightweight & Large Capacity] Dimension of this bag is: 4.3inch(L) x 1.6inch(W) x...
Bestseller No. 9
Gamble Safe Gambling Box Locks up Your Cash Wins so You Can't Access the Money Until You Get Home...
63 Reviews
Gamble Safe Gambling Box Locks up Your Cash Wins so You Can't Access the Money Until You Get Home...
  • Must have casino cash drop gambling pocket box for any gambler or a great gambling gift
  • Pocket sized includes 2 unique keys per box - break proof - ships fast USA mail
Bestseller No. 10
Mounchain Winter Ski Gloves Waterproof Windproof and Breathable Snow Gloves Fit Women and Men with...
27 Reviews
Mounchain Winter Ski Gloves Waterproof Windproof and Breathable Snow Gloves Fit Women and Men with...
  • Keep Warm & Feel Comfortable: Resist the temperature as low as -13°F. The high-quality space cotton...
  • Waterproof & Windproof: The outer shell fabric is coating with waterproof material prevent against snow and...

Types Of Cash-Back Credit Cards

Flat-rate 
Receive static percentage cash back on your purchases regardless of the amount or spending category. For example, the Wells Fargo Cash Wise Visa® Card offers an unlimited 1.5% cash back on every purchase.

Tiered
Your amount of cash back varies depending on the spending category, but those categories are constant. For instance, the Blue Cash Preferred® Card from American Express offers 6% cash back on U.S. supermarket purchases (up to $6,000 spent annually, then 1%), 3% back at U.S. gas stations and 1% back on all other purchases.

Rotating categories
These cards offer a flat rate across all purchases, but also offer bonus cash back on purchases made in particular categories that change each quarter. Cardholders generally must activate quarterly in order to receive the bonus cash back, which is usually capped at a certain level of spending. An example of this type of cash-back credit card is Chase Freedom, which offers 5% back on the first $1,500 you spend in the quarterly bonus category when you activate and 1% back on your other purchases.

Cardholder choice rewards
These cards are rare, but you might see more of them in the future. Think of them as a sort of combination tiered rewards meets rotating categories with a dash of customer choice thrown in. The rewards structure generally involves tiers of some kind, along with the spending caps you see with traditional tiered cards. In addition, the cardholder gets to decide a category or two in which you’ll earn rewards and you can change that category periodically.

An example of this card is the Bank of America Cash Rewards credit card, which allows cardholder to choose from among six categories where they’ll earn 3% cash back along with 2% back at grocery store and wholesale club purchases (3 and 2% rewards apply to the first $2,500 spent in combined choice category/grocery store/wholesale club purchases each quarter) and 1% on all other purchases. Cardholders can change their choice category once each calendar month.

USING YOUR CASH-BACK CREDIT CARD: BEST PRACTICES

You’ve followed our advice and narrowed the field down to your perfect card. Congratulations! Here’s more expert advice to keep in mind as you use your cash-back card to rack up rewards.

Change is constant. 

When your circumstances change – and they likely will – your card needs will likely change, too. Periodically review your spending situation and make sure your card (or cards) are still working for you. Don’t be afraid to break up with your card if things aren’t working out. Maybe you’ve changed jobs and your commute got much shorter – that card that offered high cash-back rewards on gas station purchases might not be right any longer. Or maybe you’ve gone back to school and found yourself eating a lot of meals at coffee shops and diners – a card that offers bonus rewards at restaurants could benefit you now.

Actually, use it.

It sounds simple, but different cards maximize different things. Be aware before you swipe and always use the best card for the situation; don’t just grab Old Trusty because it’s handy.

Pay off your balance each billing cycle.

Nothing will offset rewards earned quite as quickly as mounting interest charges. If you’re going to the effort to earn cash-back rewards, be responsible with your card and pay off your balance each month. Along the same lines, spending more than you can afford simply for the rewards is a terrible idea; you won’t come out on top.

CASH-BACK REWARDS CREDIT CARDS BOTTOM LINE

You are the best person to accurately assess which credit card will fit seamlessly into your lifestyle. Don’t be wooed by introductory offers from cards you know won’t ultimately be the best fit. Don’t fall into the “I’ll change my spending habits to make this card work because that intro offer is just too good to pass up” trap. Chances are, you’ll just end up carrying around the wrong credit card and not reaping maximum rewards.

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