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Best Cash Back Credit Cards of May 2019

Cash back credit cards put money back in your pocket each time you make a purchase. It’s just that simple -- though you often have a chance to earn higher amounts of cash back for some types of purchases, such as all the money you spend at department stores or gas stations. You might have your cash back rewards applied to your credit card balance, direct-deposited into your bank account, or turned into gift cards. Cash back credit cards are popular because, after all, who doesn’t love cash?

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Best Card Offers for May 2019

 Best Cash Back Cards

SimplyCash® Plus Business Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The SimplyCash® Plus Business Credit Card from American Express is good for small businesses looking for higher-than-average cash back rewards on credit card purchases.

Key benefits:

Within defined boundaries, the Expanded Buying Power features allows cardholders to spend beyond their credit limit. Cash back appears in the form of a monthly statement credit.

Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.

Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases.

Blue Cash Preferred® Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

People interested in high value cash back rewards.

Key benefits:

The Blue Cash Preferred® Card from American Express offers a basically unbeatable 6% cash back on groceries (up to $6000 per year), plus 3% on gas and 1% on all other purchases. That means spending just $60 a week at U.S. supermarkets could earn over $180 back per year.

Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Blue Cash Everyday® Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Blue Cash Everyday® Card from American Express is a fantastic rewards card for everyday use, offering low costs and convenient opportunities to earn stepped up rewards.

Key benefits:

Earn a $150 statement credit after making $1,000 in purchases with a new card within the first 3 months. Earn up to 3% cash back at supermarkets and 2% cash back at gas stations and select U.S. department stores. Other purchases earn 1% back.

The card has a $0 annual fee, and cardholders enjoy a 0% introductory APR on purchases and balance transfers for the first 15 months. After that, they pay a variable rate (currently 15.24% - 26.24%).

American Express Cash Magnet® Card
Credit Rating Needed:
Good, Excellent
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Who's it good for:

The American Express Cash Magnet® Card works great for consumers looking for a low fee cashback card, or folks looking to split large payments into smaller installments.

Key benefits:

With an APR as low as 15.24% - 26.24%, no annual fees, and unlimited cashback, the American Express Cash Magnet® Card is an excellent everyday cashback credit card. Additionally, the first 15 months of Plan It® allow you to split off a large purchase into monthly installments, free of fees.

Capital One® Savor® Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Savor® Cash Rewards Credit Card is excellent for cardholders who enjoy dining and entertainment experiences --- concerts, sports and theater.

Key benefits:

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.

Cardholders will also receive a monthly credit for a Postmades Unlimited membership through December 2019.

Capital One® Quicksilver® Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

The Capital One® Quicksilver® Cash Rewards Credit Card is a card for people looking for a balance transfer card---with cash back rewards.

Key benefits:

Providing unlimited 1.5% cash back, Capital One® Quicksilver® Cash Rewards Credit Card also offers 16.24% - 26.24% after $500 of purchases within 3 months of opening your account.

This card holds no annual fee, and the APR is 0% for 15 months---for balance transfers as well. After the 15-month period, the card returns to its variable APR, ranging between . Balance transfers are the same, with a 3% fee tacked on.

Capital One® SavorOne℠ Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with reasonably good credit who are interested in cash back rewards.

Key benefits:

The Capital One® SavorOne℠ Cash Rewards Credit Card offers no annual fee, no foreign transaction fees, and 0% APR on balance transfers for the first 15 months, which is a great deal. Cardholders can earn $150 Cash Back after you spend $500 on purchases within 3 months from account opening. Cardholders also earn unlimited cash back on every purchase, with bonus cash back on dining, entertainment, and grocery purchases.

Capital One® Spark® Cash for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Cash for Business is great for small-business owners looking for an above-average cash back bonus on every purchase.

Key benefits:

The card offers a $0 introductory annual fee, with a low $95 annual fee after that.

Cardholders will earn an incredible 2% cash back on every purchase, and a one-time $500 cash bonus after spending $4,500 on purchases within 3 months from account opening.

Capital One® Spark® Cash Select for Business
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Capital One® Spark® Cash Select for Business is great for the business owner who could appreciate a credit card with the potential to return generous cash back to the company.

Key benefits:

The card offers unlimited 1.5% cash back, which could mean thousands of dollars each year going back into the business. It also has a one-time $200 Cash Back bonus once $3,000 has been spent on purchases within 3 months from when the account was opened.

Get employee cards at no additional cost, and earn rewards from their business spend. The card has a $0 annual fee and a 0% intro APR on purchases for 9 months.

Capital One® QuicksilverOne® Cash Rewards Credit Card
Credit Rating Needed:
Average, Fair, Limited
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Who's it good for:

The Capital One® QuicksilverOne® Cash Rewards Credit Card should be considered by consumers sick of cashback limits in the fine print, and just want to earn a fixed percentage.

Key benefits:

The fact that you earn unlimited, non-expiring, cashback of 1.5% on all purchases is pretty attractive. Being able to increase your credit limit after making your first 5 monthly payments is a nice plus.

Capital One® Spark® Classic for Business
Credit Rating Needed:
Average, Fair, Limited
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Who it's good for:

The no annual fee Capital One® Spark® Classic for Business is a great no-frills business credit card, perfect for the small business looking to earn cash back on all purchases.

Key benefits:

Cardholders will enjoy business benefits including supplementary employee cards at no extra cost and dedicated small business customer service.

There are no foreign transaction fees.

Journey® Student Rewards from Capital One®
Credit Rating Needed:
Average, Fair, Limited
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Who it's good for:

The Journey® Student Rewards from Capital One® is an excellent first credit card for students.

Key benefits:

Cardholders will earn 1% cash back on all purchases, which increases to a total of 1.25% for the month as a reward if the balance is paid on time. This card teaches responsible use and helps cardholders build their credit --- cardholders can request a higher credit line after making their first 5 monthly payments on time.

Chase Freedom Unlimited®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom Unlimited® Visa card is a strong choice for anyone who's in the market for either a cash-back credit card or a balance transfer card. It offers freedom from the usual cash-back restrictions and from interest on balances transferred over.

Key benefits:

The card offers unlimited and automatic 1.5% cash back on every purchase, and there's no minimum for redeeming cash back rewards. Cardholders also enjoy a 0% introductory APR for 15 months on purchases and balance transfers, then a variable APR (currently 17.24% - 25.99%). The fee on balance transfers is either $5 or 3%, whichever is greater.

Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.. Redeem your cash back whenever, no minimums required. The annual fee is $0.

Chase Freedom®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom® credit card is an excellent no-frills option for first-time cardholders, or cardholders looking to consolidate their debts.

Key benefits:

The Chase Freedom® credit card has a 0% introductory APR for 15 months from account opening on purchases and balance transfers.

Chase Freedom® also offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter.

Cardholders will earn a 1% cash back on all other purchases.

Ink Business Cash℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Cash℠ Credit Card is a fantastic rewards card for the business owner who's looking for a good company card that will provide solid savings on a full range of business expenses.

Key benefits:

Earn $500 bonus cash back after spending $3,000 on purchases in the first 3 months from account opening. Then, earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each year. Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants. Other purchases earn 1% cash back.

The card has a $0 annual fee and a 0% introductory APR for 12 months on purchases. The cardholder can get employee cards at no additional cost.

Ink Business Unlimited℠ Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Ink Business Unlimited℠ Credit Card is an excellent no-frills small business credit card, especially for small business-owners looking to consolidate their credit card debts.

Key benefits:

The card boasts a $0 annual fee and a 0% Intro APR on Purchases for 12 months.

Employee cards can be issued at no additional cost.

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.. Cardholders will also earn unlimited 1.5% cash back on every purchase.

Citi® Double Cash Card - 18 month BT offer
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi® Double Cash Card has wide appeal. It deserves a spot in the wallet of anyone who'd like to pay down debt --- or earn better than the usual cash back on every type of spending.

Key benefits:

Earn 2% cash back on purchases: 1% at the time of purchase and another 1% when it's paid off. The card also offers a 0% introductory APR on balance transfers --- for 18 months. After that, cardholders pay a variable rate, currently 15.74% - 25.74%*. Note that there is a balance transfer fee and that transfers do not earn cash back.

This card has a $0* annual fee, and the cash back couldn't be more simple: There are no caps and no categories to track.

Costco Anywhere Visa® Card by Citi
Credit Rating Needed:
Excellent
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Who it’s good for:

Costco members who regularly shop at Costco.

Key benefits:

The benefits of the Costco Anywhere Visa® Card by Citi don't stop at the doors of Costco, although 2% cashback on in-store and online purchases isn't bad at all. Cardholders can also get 4% cash back on gas, 3% on restaurants and travel, and 1% on all other purchases. With no annual fee (aside from the cost of a Costco membership), this is a low-fee card with a reasonably low APR, too.

Costco Anywhere Visa® Business Card by Citi
Credit Rating Needed:
Excellent
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Who's it good for:

The Costco Anywhere Visa® Business Card by Citi provides significant advantages to businesses that use Costco as part of their everday operations.

Key benefits:

This card provides businesses with significant cashback, that they can use against their everyday expenditure. And with an existing Costco membership, there's no annual fee.

toggle® Unlimited 1.5% Cash Back1 Everyday Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The toggle® Unlimited 1.5% Cash Back1 Everyday Rewards Credit Card is good for cardholders looking for a low APR and cash back, and flexibility in how they redeem their cash back.

Key benefits:

toggle® Unlimited 1.5% Cash Back1 Everyday Rewards Credit Card provides a 12.49%-22.49% after spending $1000 in the first 3 months. It provides 1.5% cash back on all purchases, and has no annual fee.

The APR is 0% for the first year, and then remains between .

Credit One Bank® Cash Back Rewards Credit Card
Credit Rating Needed:
Good
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Who it's good for:

People looking for a simple cash back card.

Key benefits:

The Credit One Bank® Cash Back Rewards Credit Card offers qualified applicants a competitive APR and no or low annual fees. Cardholders earm 1% cash back rewards on all purchases. Cardholders also get free online access to Experian, which makes monitoring credit easy.

Credit One Bank® Unsecured Platinum Visa®
Credit Rating Needed:
Poor
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Who it's good for:

The Credit One Bank® Unsecured Platinum Visa® is an excellent no-frills card for consumers with lower credit scores looking for cash back rewards and basic travel benefits.

Key benefits:

Offering a low annual fee and a few valuable benefits, the Credit One Bank® Unsecured Platinum Visa® is an excellent choice for consumers with lower credit scores.

The card includes travel, accident and auto rental collision insurance. With $0 fraud liability, cardholders won't be responsible for unauthorized charges.

Credit One Bank® Visa® Credit Card with Cash Back Rewards
Credit Rating Needed:
Fair
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Who it's good for:

People with good credit who want cash back rewards.

Key benefits:

The Credit One Bank® Visa® Credit Card with Cash Back Rewards offers qualified applicants no annual fee and 1% cash back on all purchases. Credit One Bank's mobile banking app makes it easy to keep track of your spending and make payments 24/7 from anywhere with internet access. Credit One also offers cardholders free online access to their Experian credit score and report summary to keep track of their overall credit health, a great fringe benefit!

NASCAR® Credit Card from Credit One Bank®
Credit Rating Needed:
Fair
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Who it's good for:

The NASCAR® Credit Card from Credit One Bank® is a souped-up card for racing fans --- and a good choice for other consumers needing help revving up their credit scores.

Key benefits:

Cardholders earn 2% cash-back rewards at the NASCAR.com Superstore and 1% cash back on other eligible purchases.

Applicants looking to rebuild credit can find out if they prequalify without harming their credit scores. The card offers $0 liability for fraud, provides free online access to cardholders' Experian credit scores, and reports to all three major credit bureaus on a monthly basis. That's so the agencies will know quickly when a consumer is demonstrating good credit habits with the card.

Credit One Bank® Platinum Visa®
Credit Rating Needed:
Fair
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Who it's good for:

Applicants with strong credit scores, and applicants who check their credit score often. They will receive the preferred annual fee rate and a lower APR%, along with free online access to their Experian credit score.

Key benefits:

No annual fee for qualified individuals, cashback, lowered APR%, coupled with free online access to Experian makes for an attractive card. If you check your credit score religiously, this card may be worth it for the free Experian accesss alone.

Deserve Edu
Credit Rating Needed:
No Credit History
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Who it's good for:

Deserve Edu is great for students who shop with Amazon, love travelling, or are international students.

Key benefits:

The Deserve Edu, on top of being a solid starter credit card for students, offers access to an Amazon Prime Student subscription!

With 1% unlimited cash back and no foreign transaction fees, Deserve Edu helps local and international students alike build credit.

Deserve Pro
Credit Rating Needed:
No Credit History
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Who it's good for:

The Deserve Pro Mastercard is a good travel and rewards credit card for students, young professionals and recent immigrants that can help build a credit history.

Key benefits:

Priority Pass™ Select Membership (valued at $99), good for discounted airport lounge access, when $1,000 in purchases have been made with a new card within the first 90 days. Cardholders earn 3% cash back on travel and entertainment, 2% cash back at restaurants, and 1% unlimited cash back on all other purchases.

The card comes with a $0 annual fee, credit limits up to $10,000, no foreign transaction fees, and up to $600 in complimentary cellphone insurance.

HSBC Cash Rewards Mastercard® credit card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

People with good credit who want a cash back card.

Key benefits:

The HSBC Cash Rewards Mastercard® credit card offers super compeititve APR rates for qualified applicants along with no annual fee. The Unlimited 1.5% cash reward on all purchases outpaces most cash back cards available. Plus, the card offers an introductory 3% cash back on all purchases for the first year. If that's not enough, cardholders also get a 10% Anniversary Bonus on all Cash Rewards earned once each year. A very good option for a cash back card.

U.S. Bank Cash+™ Visa Signature® Card
Credit Rating Needed:
Good,Excellent
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Who it's good for:

The U.S. Bank Cash+™ Visa Signature® Card is perfect for the person who can appreciate generous cash-back opportunities, including an impressive sign-up bonus. It's also good for stopping the clock on interest on an existing credit card balance.

Key benefits:

A new cardholder can receive a New Cardmember bonus: $150 bonus after spending $500 on eligible purchases during the first 90 days. The card earns 5% cash back on the first $2,000 of eligible purchases each quarter on the combined two categories of the cardholder's choosing. It earns 2% cash back in one everyday category --- like gas stations or grocery stores --- picked by the cardholder. Other purchases earn 1% cash back.

The card has a $0* annual fee and a 0% introductory APR on balance transfers for 12 billing cycles. After that, a variable rate kicks in, currently 16.24% - 25.74%*.

U.S. Bank Cash 365™ American Express® Card
Credit Rating Needed:
Excellent Credit
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Who it's good for:

The U.S. Bank Cash 365™ American Express® Card is good for consumers looking for an above-average cash back reward on all purchases.

Key benefits:

The U.S. Bank Cash 365™ American Express® Card offers unlimited 1.5% cash back on all eligible net purchases with no annual fee and a 0% APR on balance transfers for 12 billing cycles.

USAA® Cashback Rewards Plus American Express® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

Military service members and their families.

Key benefits:

The USAA® Cashback Rewards Plus American Express® Card offers exceptional benefits to active and former service members, including 4% APR on all balances for up to 12 months during deployment or PCS. Otherwise, cardholders earn a competitive 5% cash back on gas and military base purchases (up to $3000 annually), 2% on groceries (up to $3000 annually), and unlimited 1% cash back on all other purchases. A great option for people who qualify.

USAA® Preferred Cash Rewards Visa Signature® Card
Credit Rating Needed:
Good - Excellent
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Who it's good for:

The USAA® Preferred Cash Rewards Visa Signature® Card is for active and former military, and their families, so they get to reap the rewards of 1.5% cash back on all purchases.

Key benefits:

The USAA® Preferred Cash Rewards Visa Signature® Card offers a number of special benefits for military on active duty, with an APR at 4% while deployed up to 12 months.

After 12 months, a variable APR of between will apply. The card also has no annual fee, no penalty APR, and no foreign transaction fees.

Wells Fargo Cash Wise Visa® Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Wells Fargo Cash Wise Visa® Card is a great cashback card for folks who use Apple Pay® or Google Pay™.

Key Benefits:

No annual fee, 0% intro APR just scratch the surface. Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months. Cardholders earn an additional 1.8% cashback, for the first 12 months, on top of 1.5%, for using Apple Pay® or Google Pay™.