Find Best Cash Back Credit Card

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Compare Cash Back Credit Cards to Choose the Best One!

When you cannot decide between two credit cards with similar features from the same bank, the best way out would be comparing them. Below you can compare Chase Bank popular credit cards using our convenient comparison tool. By default, we compare the Chase Freedom® credit card and Chase Freedom Unlimited℠ Credit Card, but you can change the pair of cards if you wish.
for Excellent / Good Credit
Compare Cards: Chase Freedom® credit card and others
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for Excellent / Good Credit
Compare Cards: Chase Freedom Unlimited℠ Credit Card and others
change card
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Rewards
Cash Back
Rewards Type
Cash Back
$150 bonus after you spend $500 on purchases in your first 3 months from account opening.2
Rewards Bonus
-
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 2

Earn 1% cash back on all other purchases.2

Earning Rewards
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that, earn 1.5% cash back on all purchases.2

Cash Back rewards do not expire as long as your account is open2
Rewards Expiration
Cash Back rewards do not expire as long as your account is open2
Redeem cash back rewards for travel, gift cards, cash back and more2
Redemption Options
Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.2
The whole idea of getting a cash back credit card is to earn as much cash back as possible. You should make sure all your purchases will earn maximum cash back. For example, the Chase Freedom® credit card offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, and 1% cash back on automatic basis on all purchases every day. The Chase Freedom Unlimited℠ Credit Card comes with simple 1.5% cash back rewards on all purchases. Both cards offer sign-up bonus: for Chase Freedom® credit card it is $150 bonus after you spend $500 on purchases in your first 3 months from account opening, for Chase Freedom Unlimited℠ Credit Card the conditions are different: you will simply earn more cash back during the first year, up to the allotted limit.
Purchases
0% (15 months)2
Introductory APR
0% (12 months)2
17.24% - 25.99%2
Ongoing APR
17.24% - 25.99%2
Chances are you will put a big purchase on to your new cash back credit card, and since your purchase can be quite costly, you may need a little help paying off the card balance. A 0% intro APR period will be extremely welcome in this situation. With 0% intro APR you may spread payments over zero introductory period without overpaying.
Balance Transfer
0% (15 months)2
Introductory APR
0% (12 months)2
17.24% - 25.99%2
Ongoing APR
17.24% - 25.99%2
Either $5 or 3% of the amount of each transfer, whichever is greater2
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.2
While balance transfers do not usually earn rewards, it could be a great opportunity to pay off some debt by transferring it to your new cash back credit card. If you do not carry balances, you do not overpay, and interest won't eat up your rewards.
Fees
None2
Annual Fee
None2
Up to $392
Late Payment Fee
Up to $392
3%2
Foreign Transaction Fee
3%2
It may be great when a credit card is full of benefits, but you should know how much it will cost you. Both Chase Unlimited credit cards do not charge an annual fee. Do not forget to check out all possible fees and charges to make sure you know what you are paying for.
Cash Advance
27.24%2
Ongoing APR on Cash Advance
27.24%2
Either $10 or 5% of the amount of each transaction, whichever is greater2
Cash Advance Fee
Either $10 or 5% of the amount of each transaction, whichever is greater.2
Whether you need cash while abroad or simply in a situation when credit cards are not accepted, you should always know how much cash advance will cost you. It is not only about the fee, but also about an interest rate. In addition to the fees, you will want to know the amount you are allowed to withdraw to avoid sticky situations.
Compare Cards: Chase Freedom® credit card and others
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Compare Cards: Chase Freedom Unlimited℠ Credit Card and others
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HOW TO CHOOSE THE BEST CREDIT CARDS IN 5 EASY STEPS

When you're looking for the best credit card, you may find that not all so-called best offers are good for you. The reason is simple - we all have different needs and requirements. Therefore, one best credit card is not necessarily best for each and every person. Below we offer you five things that are important to consider when choosing a best credit card.
  1. 1. Rewards Program

    Probably the first thing we look at is a rewards program. Rewards can be given in a form of miles, points or cash back. If you are after specific rewards, you can search by rewards type. However, we would recommend you looking at your expenses first. Since many cards offer higher rewards in specific shopping categories, it's worth understanding where you spend more to make sure you will earn maximum rewards.
  2. 2. The Interest Rate

    Even though you most likely will be paying off the card balances in full on your credit card, it is worth comparing interest rates. Some credit cards have a 0% intro APR for about a year. With this benefit, you will have some time to pay off an expensive purchase without paying a penny in interest. The zero introductory period won't last forever, so check out a go-to interest rate and when it applies as well.
  3. 3. Fees and Penalties

    An annual fee of a credit card may be high and if you choose a credit card with a high annual fee, you should make sure it's justified. You won't want to pay for something you do not use, so make sure the card's benefits are worth the annual fee. If you do not use credit card benefits, then look for the no annual fee credit cards.
  4. 4. Balance Transfer Opportunity

    If a credit card has a 0% intro APR on balance transfers, see if it allows to earn rewards for transferring a balance. It is a rare benefit these days, but still offered by some issuers. The number of rewards you may earn on balance transfers is limited, so make sure you are aware of all the caps and terms. Also, there can be a balance transfer fee which is usually around 2%-5% of the amount transferred.
  5. 5. Card for Your Lifestyle

    Rewards credit cards are designed for different needs. For example, if you are a frequent traveler who fly more than two times a year, airline co-branded credit card may be your choice. If you board a plane just once a year or even less and want to earn miles on every purchase, choose from general travel rewards credit cards.

LOOKING FOR CASH BACK CREDIT CARDS? SEE MORE CREDIT CARD OFFERS

Best for Cash Back

Best for Grocery Purchases

Best for Balance Transfer

Intro APR (on Purch.)
0% (14 months)
N/A
N/A
Regular APR (on Purch.)
14.24% - 25.24% Variable
16.74% - 25.74% (Variable)
15.74% - 25.74%* (Variable)
Annual Fee
$0
$0 intro for first year; $95 after that
$0*
Rewards Earned
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases

Bonus Offer
INTRO OFFER: 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.
$300 Cash Back after you spend $3000 on purchases within 3 months from account opening
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It is easier to find a best credit card when you know what benefits and features your new credit card should have. When you have several options, comparing them can help you make your decision. If you cannot choose between cash back credit cards like Chase Freedom® credit card and Chase Freedom Unlimited℠ Credit Card, calculating potential earnings and expenses may help. Whichever card you choose, remember that it should work for you all the time.

USER QUESTIONS ABOUT CASH BACK CREDIT CARDS

I’ve recently accumulated $7,000 balance on my Chase Freedom credit card. Do you think a Chase balance transfer credit...
Unfortunately, you won’t be able to transfer the balance of one Chase credit card to another Chase credit card as balance transfers between two cards of one issuer are not allowed. You will need to apply for a credit card from a different...
Read more
I have a credit score of 798. I'm looking to get a Visa card. I hear Chase Freedom is a good card. I had a Chase card back...
Since you have accounts at Chase it may be easier for you to qualify for the Chase Freedom card. Note that there is a card that is similar to the Chase Freedom credit card – the Discover it® Cash Back credit card. Like the...
Read more
Hi, I'm planning a big purchase. Can you recommend me a no annual fee credit card with cash back rewards? I have good credit.
For sure, you can find great offers for your future purchases. For example, the Discover it® Cash Back credit card comes with no annual fee and cash back. It offers 5% cash back at different places each...
Read more
What is a cash back credit card?
A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that a percentage of the amount spent on purchases is returned to you. This percentage may differ depending on the terms of a credit...
Read more
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