Best cash back credit card on Reddit

220 reviews from r/CreditCards, r/personalfinance, r/PersonalFinanceCanada and 9 more subreddits

220 reviews from

and

By Brand

By Product

Citi

4.3

(35)

"Solid for 2% back on everything, perfect for travel and meals."

"Citi Custom Cash - Gas."

"Citi Custom Cash 5% back on gas"

"Citi Custom Cash Card gives 5% cash back on gas."

"Citi custom cash for 5% back on gas."

"My favorite is the Citi Custom Cash, because I can use it for whatever category isn't covered."

"5% cashback up to $500 dollars a month in your most spent category."

"As pure cash back the only thing that beats Citi Double Cash is the Fidelity card."

"The Citi Double Cash is probably the best card for someone who doesn't have any cards yet. 2% cash back on everything."

"Notably the Citi DC is arguable above 2% since it can often be redeemed for travel for almost 2 cents per point."

American Express

4.3

(21)

"Amex BCE 3% online purchases"

"American Express Blue Cash Everyday and Blue Cash Preferred cards."

"Amex Cobalt will give you 5 points for $1 that can be redeemed as 5% cashback."

"Hands down."

"I hear nothing but good things about AMEX Gold for groceries and gas."

"Amex Gold will probably give you the best returns."

"I was looking into Amex Blue Cash everyday, Citi double cash back, and chase freedom unlimited!"

"Earns 3% at Safeway and Kroger."

"The best credit cards for 3% cash back are cards like the Blue Cash Preferred Card from American Express."

"Amex Preferred with 6% back on supermarkets."

Chase

4.1

(19)

"Got the Chase Sapphire Reserve a few years ago... something like 80k-100k points IIRC."

"5% bonus back on groceries this year."

"Good rewards without regard to where/what you buy"

"Gives 3% on dining and rotating 5% options."

"Chase Freedom Flex has one quarter that gives me 5X UR points at Walmart."

"The best credit cards for 3% cash back are cards like the Chase Freedom Unlimited card."

"The Amazon cards give 3% or 5% off AWS."

"I believe the amazon cards from chase does give u 5% back from aws too"

"Out of 10+ cards Citi Double Cash and the Chase Amazon Visa are the only cards I actually use."

"Is 1.5% cash back- but the first year they double it."

Bank of America

4.1

(14)

"Gives 5.25% back on travel"

"Their credit cards effectively pay 2.6% cash back on everything."

"It gives 3% in the category of your choice, and one of the options is 'online shopping'."

"You get to pick one category to earn 3% cash back on every quarter, one of which is Online Shopping."

"Counts as online shopping using BoA CCR."

"Maybe the bofa custom cash with category dining."

"Set to 3% back on digital shopping will work if you use it through Walmart Pay."

"BofA Cash Rewards counts as 3% when using Walmart Pay."

"BoA Customized Cash 3% for online shopping."

"The BofA Cash Rewards card is just an overall great card."

Discover

4.3

(12)

"They are one of the best for new CC holders."

"5% cash back that rotates quarterly, also all cash back earned in your first year up to 1500$ gets doubled."

"1st year double rewards, no FTF, 1% on everything, 5% on"

"Your Discover should hit Amazon, Walmart, dining, gas and wholesale clubs possibly in 3 rotating quarters."

"Discover it is really good the first year."

"Good combo is a catch all card along with a rotating category card"

"Discover's rewards are dead simple."

"Discover IT."

"I’ve heard Discover can be lenient on lack of history so maybe try the Discover IT."

"Do the preapproval for Discover Student Cash back."

Capital One

4.3

(12)

"5% cash back. In 5 months they double the limit."

"4% cash back on eating out, entertainment, AND groceries."

"You will get $1000 total in sign on bonus if you spend $3k on each card."

"A $500 bonus is as good as it gets for a cash back card."

"Capital One SavorOne - Dining, Entertainment."

"A few other cards you can look at are: Capital One SavorOne"

"If you large spend on dining, grocery, entertainment 3% on cap one savor one."

"Anyone on the fence or planning to get a Capital One Walmart card need to do it soon."

"Gives you 5% Cashback if you do grocery delivery."

"I'm in your shoes as well and signed up for the Capital One Savor One."

Wells Fargo

4.2

(11)

"Solid for 2% back on everything, perfect for travel and meals."

"Gives 2% back on all purchases."

"Wells Fargo Propel + Citi double cash is golden."

"Wells fargo active cash or amex blue cash everyday."

"Wells Fargo Active Cash card, which has 2% back on everything."

"Wells Fargo Autograph. 3x on Travel and Dining."

"The simplest option would be a straight 2% cash back card."

"I went with the Wells Fargo Propel (3% on food and travel, no AF, no FTF)."

"Wells Fargo Propel Card. 3% on Dining and Gas."

"Wells Fargo Autograph. It gives you unlimited 3% cashback on gas."

US Bank

4.3

(9)

"6% at Walmart and Amazon."

"I'd suggest the US Bank Altitude Reserve. Earns 3x on mobile wallet (e.g. Apple/Google Pay) and travel, points are worth $.015."

"The best card is actually the US Bank Altitude Reserve for mobile wallet purchases."

"US Bank Altitude reserve will cover all your in person stores at 4.5% via mobile wallet."

"Us bank has a bunch of these store brand cards that give 5 percent cashback."

"US bank Altitude connect gives unlimited 4% on gas."

"US bank altitude connect have 4x gas."

"3% back or 4.5% back if using the points for travel."

"US Bank Altitude Reserve is another great card for Costco. 3% back on all mobile wallet purchases."

Rogers

4.2

(9)

"I generally suggest the Rogers WE MC immediately."

"You get 2% back and a 1.5x multiplier when you redeem against Rogers, Fido or Shaw services (3%) on everything."

"2% cash back on everything, including Costco, and 3% if applied to a Rogers bill."

"Especially if you have a service with them."

"2% cashback on everything… 3% cashback toward Rogers services."

"3% on everything if you redeem against Roger’s."

"2% cashback on everything with a 1.5 multiplier if you redeem it against Roger’s bills."

"If you make $80k or have a household income of $150k, apply for the Rogers World Elite MasterCard."

"Rogers world elite."

#10

Tangerine

4.3

(8)

"2% on 3 categories, cashback deposited monthly."

"No fee, paid monthly, and has unique categories."

"2% cash back in 3 categories of your choice."

"You're better off looking at a combination of no fee options like Tangerine/PC/Simplii/etc."

"Tangerine credit card. Two percent cash back on three categories of your choice."

"Tangerine is a solid option."

"You get to choose the category."

"You can choose restaurants as 1 of your 2 2% cashback categories with Tangerine."

#11

Simplii

4.1

(7)

"4% on the first $500 per month. No annual fee"

"Simplii for no fee."

"Cashback Free: Simplii"

"Simplii visa 4%."

"Simplii mastercard has 4% cashback on restaurants."

"Simplii VISA gives you 4% back and has no annual fee."

"Simplii Visa has 4% cashback on restaurants."

#12

Costco

4.3

(6)

"5% cash back on Costco gas."

"If you use Costco regularly their card is probably the best all around card."

"3% on restaurants and travel."

"I have this card. We use it at Costco."

"Gives 4% back on gas and 3% on restaurants."

"Costco has a really good one. 4% back on the first 7k then I think it drops to 1%."

#13

Amazon

5.0

(3)

"Amazon CC 5% cash back with Prime membership"

"I love the Amazon card for buying groceries at Whole Foods."

"Amazon's card gives 5% back at Whole foods if you shop there."

#14

Fidelity

3.8

(4)

"2% on everything, need a Fidelity account but it's free."

"2% goes into investment account"

"Fidelity visa has a 2% cash back on everything."

"Fidelity Rewards Visa (if you have Fidelity accounts) or the PayPal Mastercard."

#15

Alliant

3.5

(4)

"Has a 2.5% cash back with no annual fee."

"The Alliant Visa Signature is 2.5% back on all purchases, no annual fee."

"Alliant Visa Signature, if you spend more than $12k/year. Its 2.5% on everything for a $59/year annual fee."

"Alliant Visa Signature to get 2.5% on the first 10k spend."

#16

Venmo

3.5

(4)

"3% on your top spending category, 2% on second category and 1% on everything else."

"Codes them both as grocery, 3% for top spend category."

"Venmo Visa is a easy 3% card to get"

"The only thing higher than 2% that I'm aware of are these 3% grocery cards - Venmo and PenFed Platinum."

#17

CIBC

4.3

(3)

"The no fee CIBC Costco no fee card. The gas prices are already the cheapest in town PLUS you get 3% cashback with the card"

"Two cads not mentioned are CiBC Costco and Brim."

"4% cash back."

#18

AAA

4.0

(3)

"Gives 3-5% back in those categories."

"Look at the AAA Daily Advantage Visa Signature Credit Card for groceries and gas."

"AAA Travel Rewards or the Redstone FCU Visa."

#19

Scotiabank

4.0

4.0

(1)

"OCBC 365 for food, UOB One for everything else."

#39

3.0

(1)

"365 by adcb is the best one."

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