Top Cash Back Credit Cards – July 2018

Cash Back Credit Cards have been increasingly accessible and easy to utilize throughout the decade making suitability a breeze and that’s what makes this category such an increasingly popular one for anyone from any background.

However, it’s worth distinguishing between all the better cash back cards you can get your hands on to avoid the risk of just blatantly wasting your time. You want your cash back to be deposited into your account or on your monthly credit card statement, no hassles involved. Essentially, this post will outline any card we believe to be “Top Cash Back Credit Cards” worthy in 2018.

The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%. You'll earn • 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. • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. Learn More About This Card

The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, 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 • 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 travel purchased through Chase TravelSM, 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. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC Learn More About This Card

The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There are no annual fees with this card (See Rates & Fees). Terms Apply. Learn More About This Card

The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 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 Travel℠, 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 • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. Learn More About This Card Here

The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, 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 • 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 travel purchased through Chase TravelSM, 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. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC Learn More About This Card

The Ink Business Unlimited® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee. Learn More About This Card Here

The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll 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 account anniversary year • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. Learn More About This Card

The Fidelity Rewards Visa Signature Card earns you an attractive 2% cash back on all of your purchases with no point caps and definitely no annual fee attached. Redeem your cash back rewards into an eligible Fidelity brokerage, IRA, 529, or cash management account so you have the flexibility to spend or invest it.

You will also be able to earn a $100 bonus when you make a spend of $1,000 within the first 3 months of account opening. This card may very well be the most sensible, no-frills cash back you can really earn. This is the ideal card for those that put their spending in a wide range of categories.

Fidelity Rewards Visa Signature Card Summary:

• Apply Now
• Maximum Bonus: $100 Bonus
• Spending Requirement: None
• Annual Fee: None
• Expiration Date: None
• Additional Advice: Earn 2% cash back for all purchases. The Fidelity Rewards Visa Signature Card has no rewards point caps, expiration, or restrictive categories.

The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 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 Travel℠, 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 • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. Learn More About This Card Here

The Citi® Double Cash Card is your convenient cash back card that pays you twice. Earn unlimited 1% cashback on every purchase you make on top of 1% cashback as you pay for those purchases, as you pay in full or over time. There’s no caps and no point expirations as well as no annual fee and so much more!There is no restrictive categories and no limits on the amount of cashback that you can earn.

Citi Double Cash Card Summary:

• Learn More
• Earning Rate: Get 1% cash back for purchases + 1% cash back when paying your bill.
• Best Feature: 0% Intro APR for 15 months on purchases and balance transfers
• Annual Fee: None
• Expiration Date: None
• Additional Advice: Citi Double Cash has no restrictive categories and no limits on the amount of cash back that you earn

You can optimize your everyday spending with 1.5x the miles on a Discover It Miles. Don’t forget that you could be reaping double that for the first year. In addition, this card offers an introductory of 0% APR for the first 12 months on all purchases with no annual fees attached.

There’s no annual fee and no restrictive categories to hassle yourself with. 3x Miles everywhere is definitely attractive, however, it will only last for a whole calendar year, so it should make sense to put a lot of spending on this card for a whole calendar year.

Discover It Miles Card Summary:

• Learn More
• Maximum Bonus: Double Miles for 12 months
• Spending Requirement: None
• Annual Fee: $0
• Bonus Worth: 100 Miles equals $1.00 but there are no cap on how much you can earn.
• Expiration Date: None
• Additional Advice: Refer your friends and receive $50 each, up to 10 referrals, for a total of $500 extra cash.

The Discover It Card offers you double cash back for the first year of cardmembership. You’ll get 5% cash back in categories that change each quarter (up to the maximum of $1,500 ) and 1% cash back on all other purchases, otherwise. In addition to that, this card is offering an introductory 0% APR for 14 months on purchases and balance transfers and no annual or other hidden fees attached.

Discover It Card Summary:

• Learn More
• Best Feature: Double Cash-back for 12 calendar months
• Annual Fee: $0
• Bonus Worth:  Total yearly maximum of $6,000 for 5% cash back purchases plus amount earned for all 1% cash purchases which does not have a limit.
• Expiration Date: None
• Additional Advice:  
  • New customers can double the cash back earned at the end of the first year, up to the maximum of $1,500 each quarter for 5% cash back purchase categories and no limit for all other 1% cash back purchases. Refer your friends and receive $50 each, up to 10 referrals, for a total of $500 extra cash.
  •  Shop with Discover Deals online portal to take advantage of extra rewards since purchases are also doubled during the promotion period.  Discover makes it easy to redeem your rewards with Amazon.com and increase the value of gift cards or ecertificates by as much as $20 from over 150 top major retailers and brands.

The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. Learn More About This Card

If you put a well-rounded amount of spending on gas and supermarket hauls, then the Platinum Rewards Visa Signature® Card could be a better option for you with 5x the points on gas purchases, 3x the points on supermarket purchases and 1 points on all other purchases. Note that you can only redeem your points in VISA gift cards, and not cash or statement credit.

PenFed Platinum Rewards Visa Signature Card Summary:

• Apply Now
• Maximum Bonus: $100 Bonus Statement Credit
• Spending Requirement: Make at least $1,500 in purchases in first 3 months
• Annual Fee: None
• Bonus Worth: $100
• Expiration Date: None
• Additional Advice: If you’re feeling generous, fill a family member or somebody else’s gas tank and you’ll earn points and perform a kind act!

Sign up for the BankAmericard Cash Rewards™ Credit Card and you can earn a $150 cash rewards bonus just by making at least $500 in purchases within the first 90 days of account opening. With this card, you’ll receive 3% cash back on gas for the first $2,500 in combined grocery/gas purchases each quarter, 2% cash back at grocery stores as well as WholeSale Clubs such as; Costco, Sam’s, Etc., and 1& cash back elsewhere. There’s no annual fee and cardholders also get a 10% bonus when redeeming cash back into a Bank of America checking or savings account.

BankAmericard Cash Rewards Credit Card Summary:

• Apply Now
• Maximum Bonus: $150 cash rewards bonus
• Spending Requirement: Make at least $500 in purchases within first 3 months
• Annual Fee: None
• Bonus Worth: $150
• Expiration Date: None
• Additional Advice: You can get a 10% customer bonus every time you redeem into a Bank of America checking or savings account!

Conclusion:

Cash back credit cards have become increasingly popular due to just how convenient putting a spending and getting rewarded for it really is. In order to capitalize on all of your everyday spending necessities, this list is formulated to address any cards we believe to offer an advantage when it comes to cash back, essentially coining this article “Top Cash Back Credit Cards – 2018.”

If I left out any card that you, our loyal BCS readers, think should deserve appraisal, then please be sure to utilize our comment section! We’d really appreciate it. Also, find out which card is right for you by checking out our complete list of Credit Card Promotions today!