Best cash back credit card on Reddit

252 reviews from r/CreditCards, r/personalfinance, r/PersonalFinanceCanada and 8 more subreddits

252 reviews from

and

By Brand

By Product

Citi

4.3

(34)

"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."

"My favs - to keep it simple. Citi 2% cash back on everything."

American Express

4.4

(19)

"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 has the Cash Preferred which gives 6% back on groceries, 3% on gas, 1% on everything else."

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

"Amex Preferred with 6% back on supermarkets."

"3% back using the Amex Blue Cash everyday through Walmart Pay."

"Amex BCE through Walmart pay gives 3%."

Capital One

4.2

(14)

"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"

"Gets you 5% for the 1st year if you use Walmart Pay."

"5% cash back on online purchases, 2% in store."

"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."

US Bank

4.4

(13)

"US bank shoppers cash rewards was the best card for Walmart."

"US Bank Cash + 6% back at Walmart +1 other store and 3% back at wholesale clubs"

"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."

"Has a 6% cashback card at Walmart."

Chase

4.1

(14)

"5% bonus back on groceries this year."

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

"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."

"My Chase Freedom is 1.5% cash back- but the first year they double it so it, so 3% cash back on everything."

"Why not use Chase Freedom that offers 5% groceries for next year?"

"Maybe Chase Sapphire Reserve, since the points can technically be taken out as cash."

"3% on everything for the first year, then 1.5% after that."

Bank of America

4.2

(13)

"Gives 5.25% back on travel"

"5.25% back at Walmart using Walmart Pay."

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

"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

4.4

(9)

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

"It's a really good starter card."

"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."

"Discover's rewards are dead simple."

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

"Discover IT, unsure why you wouldn't get anything else."

Wells Fargo

4.0

(8)

"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."

Fidelity

4.1

(7)

"Just straight cash back into my linked Fidelity account."

"Fidelity Rewards, unlimited 2% on all purchases, no fees."

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

"2% goes into investment account"

"I like fidelity visa 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."

#10

Venmo

3.6

(8)

"I do have the Venmo Credit Card that I can get 3% back on."

"Venmo Visa offers 3% back at Walmart, Costco, Sam’s Club and Target."

"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 credit card through self checkout categorizes as grocery for my fiance."

"Venmo Visa will give unlimited 3% on gas."

"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."

#11

Simplii

4.0

(5)

"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

Amazon

4.8

(4)

"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."

"No annual fee, 2% back at restaurants."

#13

Alliant

3.6

(5)

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

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

"If you only want 1 card, then the Alliant is the way to go."

"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."

#14

Emirates Islamic

4.3

(4)

"Gives me around 10% with cap of 200 for each category"

"It gives 10% back on telecom spending."

"Emirates Islamic Cashback Plus."

"10% cash back on Salik, fuel, and RTA transportation."

#15

Costco

4.3

(4)

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

"Costco Anywhere Visa card gives 4% cash back on gas."

"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%."

#16

Scotiabank

4.3

(4)

"Scotia amex gold is the best cashback card."

"Ive had it for a while now, I was able to get the annual fee waived no problem."

"Scotiabank amex gold 120$/y 5% back on restaurant/groc/entertainment/food delivery."

"Scotia gave me Momentum Visa Infinite when I was a temp worker in Canada."

#17

Tangerine

4.0

(4)

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

"Tangerine is a solid option."

"You get to choose the category."

"I’d say tangerine money-back or the BMO cash back. Both are very good and have 0$ annual fees."

#18

CIBC

4.0

(4)

"4% cash back."

"The CIBC Dividend Visa Infinite is probably your best bet."

"I use the CIBC platinum dividend which gives 4% back on these, and 1% on all else."

"10% cash back up to 200$, and first year free."

#19

TD

4.0

(4)

"With 3%. There is a fee that will be waived."

"TD Cash credit card has 3% on dining, 2% on groceries, no fee."

"3% at groceries, gas, recurring."

"TD Cashback Infinite if you have a TD bank account already. $120 AF is waived if you ask them."

#20

FAB

4.7

(3)

"You will get 8% flat cashback."

"Gives 8% cash back with no fees."

"I use FAB cash back credit card. You get 5% on grocery shopping, fuel, utilities and 1% on everything else."

#21

AAA

4.7

(3)

"AAA Travel Advantage Visa Card gives 5% cash back on gas."

"Gives 5% back on Walmart Supercenter."

"AAA Travel Rewards or the Redstone FCU Visa."

#22

PenFed

4.3

(3)

"PenFed Platinum no annual fee, 5x on gas."

"The PenFed Platinum Rewards Visa Signature Card gives 3 points per dollar for groceries."

"PenFed has a 2% cash back card if you keep $500 in their checking account."

#23

USAA

4.0

4.0

(1)

"Amex Cashback actually has a promo now where cardholders who register get an additional 2%."

#53

3.0

(1)

"It’s not that great but the best you can get as a student."

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