Best Cash Back Credit Cards in USA 2023

Hey, guys do wanna cash back on your all spending in the USA in 2023?

If you want cashback on your spending in USA then you should get one cashback credit card. Here I am sharing a list of the 9 best cash back credit cards, you can choose one to earn cashback on your spending in the USA in 2023.

Also Read: Amazon Prime Rewards Visa Signature Card Review

Best Cash Back Credit Cards in USA

Credit cardReward rateAnnual feeWelcome bonus
Chase Freedom Unlimited®1.5%-6.5% Cashback$0$300
Wells Fargo Active Cash® Card2% Cashback$0$200
Blue Cash Preferred® Card from American Express1%-6% Cashback$0 intro annual fee for the first year, then $95.$250
Capital One Quicksilver Cash Rewards Credit Card1.5%-5% Cashback$0$200
Chase Freedom Flex1%-5% Cashback$0$200
Citi® Double Cash Card1%-2% Cashback$0N/A
Capital One SavorOne Cash Rewards Credit Card1%-10% Cashback$0$200
Discover it® Cash Back1%-5% Cashback$0Cashback Match

Chase Freedom Unlimited

Chase Freedom Unlimited
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards, and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% – 28.49%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. New cardholders who apply through NerdWallet get this bonus offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • While you can earn big rewards on travel bookings with this card, it also charges a 3% foreign transaction fee, so it’s not a good companion abroad.

Wells Fargo Active Cash Card

Wells Fargo Active Cash Card

The $0-annual-fee Wells Fargo Active Cash® Card offers an excellent 2% rewards rate on everything you buy, as well as a bundle of other goodies not often found on cards like it.

  • You’ll earn 2% cash rewards on all purchases, among the best rates on the market for products in its class. But the card also features a generous sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. On top of that, it also offers a 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.99%, 24.99%, or 29.99% Variable APR.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • You can find higher cash-back rates in specific, popular spending categories if you’re OK with keeping track of tiered or rotating reward structures. And like many cash-back cards, this one’s not ideal for traveling abroad, thanks to its foreign transaction fee.

Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express

The annual fee is high for a cash-back card, but the stellar rewards rates on the Blue Cash Preferred® Card from American Express will more than makeup for it for families that spend a lot on groceries, gas, transit and streaming.

  • This card’s 6% cash back rate at U.S. supermarkets (on up to $6,000 a year in spending, then 1%) and its 3% rate at U.S. gas stations have long made it a NerdWallet favorite. On top of that, you now get 6% cash back on select U.S. streaming subscriptions and 3% on transit, including such things as taxis, rideshares, parking, tolls, trains and buses. All other purchases earn 1% back. The welcome bonus offer also adds to the appeal.
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • The annual fee will be a sticking point for some, but the rewards will offset the fee if you spend just $31 a week at the supermarket. If you don’t have significant grocery expenses, however, this simply isn’t the card for you. Instead, consider the Blue Cash Everyday® Card from American Express, which has a $0 fee but lower rewards rates.

Capital One Quicksilver Cash Rewards Credit Card

The $0-annual-fee Bank of America® Unlimited Cash Rewards credit card earns a simple, straightforward rate on all purchases, and you can boost that rate even further if you’re eligible for the Bank of America® Preferred Rewards program.

Capital One Quicksilver Cash Rewards Credit Card
  • The card earns an unlimited 1.5% back on all purchases, an uncomplicated rate that’s in line with the industry standard. On top of that, it offers incentives, including a sign-up bonus and an intro APR on purchases and balance transfers.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% – 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
  • Contactless Cards – The security of a chip card, with the convenience of a tap
  • In recent years, a 1.5% rewards rate has become table stakes. You can find any number of cards with higher rewards rates.

Chase Freedom Flex

The Chase Freedom Flex℠ offers rewards as high as 5% in specific categories (some that change quarterly and some that don’t), plus a generous bonus for new cardholders. If you’re willing to put in a little work, it’s one rich card.

Chase Freedom Flex
  • This card earns 5% cash back in bonus categories that change every three months (on up to $1,500 per quarter in spending, then 1%); 5% on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1% on other purchases. New cardholders can snag this sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% – 28.49%.
  • You have to opt in to the bonus categories every quarter, which can be a hassle. The rotating 5% categories might not be a good fit for everyone, and in recent years, they’ve shifted a bit toward lower-spending areas: Restaurants dropped out of the rotation entirely (although dining is now a permanent 3% category), and gas stations have been included for two quarters a year.

These are some popular cashback credit cards you can get and earn unlimited cashback on your spending.

Thank you guys for reading this article completely, I hope this was helpful to choose best cash back credit cards in the USA, Kindly share this with others.

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