Best Cash Back Credit Cards 2021

Updated February 25, 2021
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Capital One Journey Student Credit Card
Capital One QuicksilverOne
Capital One SavorOne
Credit One Bank Platinum Visa For Rebuilding Credit
WebBank Petal® 2 “Cash Back, No Fees” Visa®
American Express The Plum Card®
American Express Cash Magnet®
American Express Blue Cash Everyday®
Barclays Bank Delaware Mastercard® Gold Card™
Citi Double Cash

Best Credit Cards for Cash Back in February 2021

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Journey Student Credit Card Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Unlimited Cash Back.
    • 0.25% You will be awarded an extra Cash Back earned in each billing cycle If your account is not passed due on the last day of the billing cycle.
  • Intro Offer:
    No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    Earn rewards today with Journey Student Credit Card. Build credit history for tomorrow with responsible use.

  • Pros:
    • No Foreign Transaction Fees
    • Unlimited 1% Cash Back
    • Annual Fee $0
    • Cash Back
    • Rewards
    • Autopay
  • Cons:
    • Low rewards rate
  • Benefits:
    • 1% Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
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QuicksilverOne Capital One
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on every purchase, every day.
  • Intro Offer:
    No current offer.
  • Annual Fee:
    $39 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    26.99% Regular APR.
  • Balance Transfer APR:
    26.99% Regular APR.
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Card from Capital One is unlimited.

    Enjoy 1.5% Cash Back on every purchase and get access to valuable benefits.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
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SavorOne Capital One
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Unlimited Cash Back on Dining & Entertainment.
    • 2% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    $200 Cash Bonus:
    Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open.
  • Regular APR:
    15.49% - 25.49% Variable.
  • Balance Transfer APR:
    15.49% - 25.49% Variable.
  • Issuer name:
    Capital One
  • Details:

    Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening with SavorOne Rewards from Capital One.

  • Pros:
    • No Foreign Transaction Fees
    • $0 Fraud Liability
    • Extended Warranty
    • Travel Accident Insurance
    • Balance Transfer
    • AutoPay
    • Zero Liability Policy
    • Virtual Card Numbers
    • Intro Bonus
  • Cons:
    • Low travel rewards
  • Benefits:
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Platinum Visa For Rebuilding Credit Credit One Bank
scorer
Recommended credit score
Poor to Good (300-739)
  • Rewards Rate:
    • 1% Get Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
  • Intro Offer:
    No current offer.
  • Annual Fee:
    $0 - $95 the Annual Fee for the first year. $0 - $99 for some accounts, The Annual Fee from the second year.
  • Purchase Intro APR:
    None
  • Regular APR:
    17.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Credit One Bank
  • Details:

    Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases.

    Earning cash back rewards has never been easier. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

    MINIMUM CREDIT LINE: $300and Future credit line increases may be granted based on your overall credit performance.

    Get rewarded for responsible credit use!

    Choose a payment due date that works for you!

  • Pros:
    • Visa Zero Fraud Liability
    • Low interest
    • Free online access to your Experian credit score each month
    • Credit One mobile app
    • Purchase protection
  • Cons:
    • Annual fee of $0 to $95 for the first year and $0 to $99 after
    • Foreign transaction fee of either $1 or 3 percent of each purchase in U.S. dollars, whichever is greater
  • Benefits:
    • 1% Cash Back Rewards;
    • Zero Fraud Liability;
    • Free online access to your Experian credit score;
    • Choose Your Payment Due Date.
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Petal® 2 “Cash Back, No Fees” Visa® WebBank
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Intro Offer:
    No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    12.99% - 26.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    WebBank
  • Details:

    Petal 2 has no fees of any kind and is designed to help you build credit.

    The credit limit is from $500-$10000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

  • Pros:
    • Cash Back
    • Purchase protection
    • No foreign transaction fee
  • Cons:
    • Permanent minimum payment due date
  • Benefits:
    • No annual fee;
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
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The Plum Card® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on the portion of your balance that you pay within 10 days of your statement closing date.
  • Intro Offer:
    No current offer.
  • Annual Fee:
    $0 the Annual Fee for the first year. $250 the Annual Fee after the first year.
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Plum Card doesn’t offer business owners any kind of initial bonus, which makes it lackluster when you compare it to the best business credit cards, some of which let you earn an initial bonus worth up to $1,000 or more.

    The Plum Card® gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.

    Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

  • Pros:
    • 1.5 percent discount on your bill when you pay within 10 days of your statement closing date
    • Extended Warranty
    • Purchase Protection
    • Choose your billing cycle
    • No foreign transaction fees
  • Cons:
    • High annual fee ($250) after the first year
    • No welcome bonus
    • No traditional rewards structure
  • Benefits:
    • No Foreign Transaction Fees;
    • 1.5% Cash Back;
    • Early Pay Discount & Extra Days To Pay;
    • Flexible spending limit;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Account Manager;
    • Vendor Pay by Bill.com;
    • Extended Warranty;
    • Purchase Protection.
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Cash Magnet® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on all purchases.
  • Intro Offer:
    $200:
    Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. You will receive the $200 back in the form of a statement credit.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express Cash Magnet® Card is one of the best cash back credit cards. You’ll earn Cash Back on every purchase at a flat rate of 1.5 % back, no matter what you buy. The card also carries a nice welcome bonus and no annual fee.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No annual fee
    • Automatic cash back on all purchases
    • Straightforward cash back plan with no activation required
  • Cons:
    • Cash back rate is lower in some categories compared to other cards
    • Foreign transaction fees
    • Low Welcome offer
  • Benefits:
    • Unlimited 1.5% Cash Back;
    • 0% intro APR;
    • American Express Experiences;
    • 24/7 Travel Assistant;
    • Car Rental Loss and Damage Insurance;
    • Purchase Protection.
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Blue Cash Everyday® American Express
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on Groceries, on up to $6,000 per year in purchases.
    • 2% Cash Back on gas.
    • 2% Cash Back at Select Department Stores.
    • 1% Cash Back on Other Purchases.
    • 1% Cash Back at U.S. supermarkets after the first year.
  • Intro Offer:
    $200:
    Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
    $150:
    Earn $150 back after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening.
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Cash Everyday® Card from American Express offers strong, year-round cash back on crucial bonus categories like groceries and gas.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

    You’ll be eligible for 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months.

    Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • Annual fee 0%
    • Solid cash back at U.S. supermarkets and U.S. gas stations
    • The 2 percent select U.S. department store bonus category is a rare find
    • 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
    • $100 back after you spend $1,000 in purchases on your new card within the first 6 months.
    • Fraud Protection
    • American Express Experiences
  • Cons:
    • The balance transfers are not available to new customers
    • Foreign Transaction Fee
  • Benefits:
    • Accelerate Cash Back;
    • 3% Сash Back at U.S. supermarkets (up to $6,000 per year, then 1%);
    • 2%Cash Back at U.S. gas stations and select U.S. department stores;
    • 1% Cash Back on all other purchases;
    • Earn 20% back on purchases at Amazon.com on the card in the first 6 months (up to $200 back). Plus, earn $100 back after you spend $1,000 in purchases on your card within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards.
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Mastercard® Gold Card™ Barclays Bank Delaware
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2% Value for Airfare Redemptions. 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions.
    • 2% Value for Cash Back Redemptions. Cash Back can be deposited directly into a US bank account or applied as a statement credit.
  • Intro Offer:
    No current offer.
  • Annual Fee:
    $995 annually ($295 for each Authorized User added to the account).
  • Purchase Intro APR:
    None
  • Regular APR:
    14.99% Regular APR.
  • Balance Transfer APR:
    14.99% Regular APR.
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Mastercard® Gold Card™ offers an opportunity to snag one of these elite cards without VIP status. The Mastercard Gold is the top-of-the-line card from Barclays’ luxury card trio and the living picture of a status symbol — it’s a 24K gold-plated stainless steel credit card that weighs in at a hefty 22g (four more grams than other premium cards like The Platinum Card® from American Express).

    You’ll get $200 in airline credits each year, plus luxury perks like personal concierge service, airport escorts, $100 in credit for Global Entry or TSA Precheck application fee and access to the Luxury Travel Program for travel benefits at select hotels.

    Receive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire travel fare to your eligible card for a covered trip.

    The Luxury Card™ Mastercard® Gold Card™ is one of the most opulent cards around, with a weighty $995 annual fee to boot.

    Experience 24/7 customer service assistance with Lost and Stolen Card reporting, Emergency Card Replacement, and Emergency Cash Advance.

    The card earns 1 point per dollar spent. Points are worth 2 cents apiece for both airfare redemptions and cash back and 1 cent apiece for other redemptions.

    For your convenience, Luxury Card is accepted at 8 million domestic retailers and is part of an operating network in more than 210 countries and territories.

    Enjoy greater freedom with no foreign transaction fees on purchases made while traveling abroad.

  • Pros:
    • Luxury travel benefits
    • Annual Airline Credit
    • Lost Luggage Reimbursement
    • Emergency card replacement
    • No Foreign Transaction Fees
    • Low interest
    • Global Acceptance
    • Fraud Coverage
    • Unlimited 2 cent-per-point redemption for cash back and airfare through Loyalty Edge
    • 15-billing cycle, 0 percent intro APR for balance transfers made within the first 45 days
  • Cons:
    • Must spend nearly $50,000 each year to just offset the annual fee
    • Purchase protections and airline credit coverage valued at less than those from travel cards with half the annual fee
    • Rewards might also not be as valuable as the points from lower-priced cards
  • Benefits:
    • Patented Card Construction;
    • $200 annual airline credit;
    • $0 Fraud Liability Protection;
    • Mastercard ID Theft Protection;
    • Mastercard Global Service;
    • No Foreign Transaction Fees;
    • Global Acceptance;
    • 24/7 Luxury Card Concierge;
    • 2% Value for Airfare Redemptions;
    • 2% Value for Cash Back Redemptions;
    • Patented 24K-gold-plated front and carbon back — weighing 22 grams;
    • No Foreign Transaction Fees;
    • VIP Airport Lounge Access;
    • Luxury Card EXPERIENCES;
    • It Pays To Be a Member;
    • Airport Meet & Assist;
    • Annual Airline Credit;
    • Global Entry & TSA Pre✓® Application Credit;
    • TCS World Travel;
    • Cellular Telephone Protection;
    • Travel Accident Insurance;
    • Baggage Delay Insurance;
    • Trip Cancellation and Interruption;
    • Travel Assistance.
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Double Cash Citi
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2% Earn Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    13.99% - 23.99% Variable.
  • Balance Transfer APR:
    13.99% - 23.99% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

    In order to receive an additional 1 percent cash back rewards for your purchases (on top of the automatic 1 percent cash back you earn), you must pay off the balance you owe.

    In addition to being a cash back card, the Citi Double Cash doubles as a balance transfer credit card. The 18-month 0 percent introductory APR offer on balance transfers (13.99 percent to 23.99 percent variable APR after) is one of the longest balance transfer periods currently available. Keep in mind, if you take advantage of the offer, you’ll still owe either $5 or a 3 percent fee, whichever is greater. Additionally, balance transfers must be made in the first four months of account opening to qualify for the rate.

    For reference, if you had $2,000 in credit card debt and transferred it to the Citi Double Cash, you could pay just over $111 a month for 18 months and completely wipe out your debt — all without paying a dime in interest. Bear in mind, you’d also owe a balance transfer fee.

    The Citi Double Cash extends a myriad of security and fraud protections.Get $0 fraud liability, 24-hour fraud protection, Citi Identity Theft Solutions and Lost Wallet Service — meaning Citi will replace your lost card within 24 hours and provide you with emergency cash in the meantime.

    Citi Entertainment gets you access to presale tickets, events and more, whether it be a music festival, professional football game or high-end restaurant experience.

  • Pros:
    • Unlimited 1 percent as you buy, 1 percent as you pay Cash Back rewards structure
    • No annual fee
    • 18-month introductory 0 percent APR on balance transfers
  • Cons:
    • No welcome bonus offer or introductory APR on purchases
    • Foreign transaction fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
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