The best 8 cash back credit cards for September 2024
The best cash back credit cards have generous cash back rates, easy redemption options, and no annual fees.

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The best cash back credit cards help you earn rewards on all your everyday purchases. These cards often come with no annual fee, letting you enjoy all the perks of a credit card without worrying about the yearly cost.
There are many types of cash back credit cards, from flat-rate cards to cards with rotating bonus categories. Some cards may come with sign-on bonuses, while others have added perks like travel insurance or purchase protection.
Here are some of our picks for the best cash back credit cards.
The best cash back credit cards
- Best for flat-rate cash back: Wells Fargo Active Cash® Card
- Best for everyday spending: Chase Freedom Unlimited®
- Best for online shopping: Prime Visa
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best rotating bonus categories: Discover it® Cash Back
- Best for balance transfers: Citi® Double Cash Card
- Best for foodies: Capital One SavorOne Cash Rewards Credit Card
- Best for customizable cash back: U.S. Bank Cash+® Visa Signature® Card
Best for flat-rate cash back: Wells Fargo Active Cash® Card
Rewards: Unlimited flat 2% cash rewards on purchases
Annual fee: $0
This card offers a simple, straightforward way to earn cash back on every purchase. Cardholders earn an unlimited 2% cash rewards on all purchases, with no categories to track or activate.
The card also features a generous welcome bonus, 0% intro APR on purchases and balance transfers, and no annual fee, making it an excellent choice for those seeking a no-fuss cash back option.
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Best for everyday spending: Chase Freedom Unlimited®
Rewards:
- 5% cash back on Lyft purchases (through March 2025)
- 5% cash back on travel booked through Chase Travel
- 3% cash back on dining at restaurants
- 3% cash back on drugstore purchases
- 1.5% cash back on all other purchases
Annual fee: $0
The Freedom Unlimited is a versatile cash back card that rewards cardholders across a range of popular spending categories. Earn 5% on travel purchased through Chase Travel, 3% on dining and drugstore purchases, and 1.5% on all other purchases.
The card also offers a substantial welcome bonus, 0% intro APR on purchases and balance transfers, and the flexibility to redeem cash back for travel, gift cards, and more through Chase Travel℠.
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Best for online shopping: Prime Visa
Rewards:
- 5% back at Amazon.com and Whole Foods Market
- 5% back on Chase Travel℠ purchases
- 2% back at restaurants and gas stations
- 2% back on local transit and commuting
- 1% back on all other purchases
Annual fee: $0 with Amazon Prime membership
If you're a regular at Whole Foods or shop online on Amazon, this card is hard to beat. Earn 5% back on Amazon.com and Whole Foods Market purchases, 2% at restaurants, gas stations, and drugstores, and 1% on all other purchases.
Cardholders also receive a generous Amazon gift card upon approval and can take advantage of exclusive Prime member perks. Note that an Amazon Prime membership is required to apply.
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Best for groceries: Blue Cash Preferred® Card from American Express
Rewards rate:
- 6% cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent) and select U.S. streaming subscriptions
- 3% cash back at U.S. gas stations
- 3% cash back on transit purchases (including taxis, rideshare, parking, tolls, trains, buses and more)
- 1% cash back on all other purchases
Annual fee: $0 introductory fee for the first year, then $95 annual fee after. See rates and fees.
Though this card comes with an annual fee after the first year, if you spend a decent amount on groceries, the cash back savings will easily offset the cost. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.
The card also features a welcome bonus, 0% intro APR on purchases and balance transfers, and valuable entertainment credits.
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Best rotating bonus categories: Discover it® Cash Back
Rewards:
- 5% cash back after activation on rotating categories each quarter (up to $1,500 in purchases, then 1 percent)
1% for all other purchases
Annual fee: $0
This card offers 5% cash back on everyday purchases in activated categories each quarter, including Amazon.com, grocery stores, restaurants, gas stations (up to the quarterly maximum). All other purchases earn unlimited 1% cash back.
Discover will also match all the cash back you've earned at the end of your first year, automatically. The card has no annual fee and features a 0% intro APR on purchases and balance transfers.
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