When most people hear the phrase “credit card rewards,” their minds immediately turn to cash back rewards. And why not? Flip on the TV, navigate to your favorite website, or drive around your hometown and you’re bound to see an ad for a cash back credit card before long.

Cash back credit cards are popular because they provide tangible, easy-to-understand benefits. Who doesn’t like getting a credit on their monthly credit card statement – or, better yet, actual cash deposited into the account of their choice?

Not all cash back credit cards are created equal though.

Some offer the same cash back rate on all purchases. Others offer higher cash back rates on certain spending categories, such as groceries or gas, and lower rates on everything else. Still others offer bonus cash back on spending categories that rotate every quarter. A few accrue cash back on purchases and monthly payments. And some cash back cards even hew to hybrid models, with cash back on certain spending categories and different types of rewards (such as airline miles) on others.

You’ll find each type of card on this list of the best cash back cards available to U.S. consumers today. Keep in mind that most cash back credit cards require applicants to have very good to excellent credit – usually indicated by a credit score above 700, and sometimes even higher. If you don’t meet that threshold, work on building your credit before applying.

Best Cash Back Credit Cards

1. Blue Cash Preferred® Card from American Express

6% Cash Back at Supermarkets; 3% at Gas Stations and Department Stores; 1% Elsewhere; Up to $350 Sign-up Bonus

If you love the supermarket, you’ll love the Blue Cash Preferred Card from American Express. You get 6% cash back on all supermarket transactions, up to a $6,000 annual spending limit. Once you hit $6,000, you get 1% back on supermarket purchases, with no upper limit. There’s no spending limit on the gas station and department store categories – you get 3% cash back on every $1 spent in those places, period. And you get 1% cash back on all other purchases, with no limits.

Cash back comes as a statement credit. However, there’s a significant drawback: a $95 annual fee.

Another smaller drawback of the Blue Cash Preferred card is American Express’s restrictive definition of “supermarket.” Superstores like Walmart, wholesale clubs like Costco, and alcohol retailers aren’t considered as supermarkets for this card’s purposes. The annual fee does cut into your earning potential somewhat – but since the 6% supermarket cash back doubles what most competing cards offer, you’re still likely to come out ahead if you take full advantage of this category.

If you’re struggling to meet your $6,000 annual supermarket spending limit with food and dry goods purchases alone, make up the difference by purchasing other merchants’ gift cards at the supermarket checkout counter. It’s like getting an immediate 6% discount at your favorite restaurants, retailers, and e-commerce websites.

• Sign-up Bonus. If you make $1,000 in qualifying purchases within 3 months of signing up, you get a $150 statement credit. You also get 5% cash back on eligible travel purchases in your first 6 months.
• Cash Back Rate. 6% cash back at supermarkets, up to $6,000 in spending per year. After that, you receive 1% cash back at supermarkets. Also, this card offers unlimited 3% cash back at gas stations and department stores, and 1% cash back on everything else.
• Redemption. The minimum redemption is $25. You can redeem in $25 increments ($25, $50, $75, and so on) for statement credits.
• Introductory APR. 0% APR on purchases and balance transfers for 12 months.
• APR. After the introductory period, APR varies between 13.49% and 23.49%, depending on your creditworthiness and prevailing interest rates.
• Key Fees. There’s a $95 annual fee. The foreign transaction fee is 2.7%. Balance transfers cost either $5 or 3% of the amount of each transfer, whichever is greater.
• Other Perks. If you attempt to return a purchased item within 90 days and the merchant refuses to accept it, Amex’s Return Protection policy refunds the item’s entire purchase price, up to $300 per item and $1,000 per calendar year.

2. Blue Cash Everyday® Card from American Express

3% Cash Back at Supermarkets; 2% at Gas Stations and Department Stores; 1% Elsewhere; Up to $300 Sign-up Bonus

The Blue Cash Everyday Card from American Express gives you ample cash back on everyday, hard-to-avoid purchases: food, staples, fuel, clothing, and home goods. You get 3% cash back on supermarket purchases, up to the $6,000 annual limit. After you hit the limit, you get 1% cash back on supermarket purchases, with no spending cap. 2% cash back at gas stations and department stories is unlimited, as is 1% cash back everywhere else. Your cash back comes as a statement credit.

Note that big box superstores such as Target, wholesale clubs like Sam’s Club, and alcohol retailers don’t count as “supermarkets,” according to American Express.

• Sign-up Bonus. If you make $1,000 in qualifying purchases within 3 months, you get a $100 statement credit. You also earn 5% cash back on travel-related purchases in the first 6 months.
• Cash Back Rate. 3% cash back on supermarket purchases, up to $6,000 in annual spending (so $180 max annual cash back in this category). The card offers unlimited 1% cash back on supermarket purchases above the annual limit. There is unlimited 2% cash back on gas station and department store spending, and unlimited 1% cash back everywhere else.
• Redemption. The minimum redemption is $25. Once you reach this threshold, you can redeem in $25 increments for statement credits.
• Introductory APR. 0% APR on purchases and balance transfers for 12 months.
• APR. After the introductory period, APR varies between 13.49% and 23.49%, depending on your creditworthiness and prevailing interest rates.
• Key Fees. There’s no annual fee, compared to the $95 fee for the Blue Cash Preferred Card which offers higher cash back rates. The foreign transaction fee is 2.7%. Balance transfers cost either $5 or 3% of the amount of each transfer, whichever is greater.
• Other Perks. Also includes Return Protection, as described as a benefit of the Blue Cash Preferred Card from American Express.

3. Fidelity Rewards Visa Signature® Card

Unlimited 2% Cash Back on All Purchases

The Fidelity Rewards Visa Signature Card is a great addition to any Fidelity customer’s wallet. This no-annual-fee card earns an unlimited 2% cash back on every purchase, every day. Its cash rewards accrue through the Fidelity Rewards program – you earn 2 Fidelity Rewards points per $1 spent.

You can redeem your accumulated Fidelity Rewards points on a 1-to-1 basis for cash deposits into a wide range of Fidelity accounts, including brokerage accounts, 529 College Savings Plans managed by Fidelity, Fidelity Cash Management accounts, and certain retirement accounts.

With no annual fee, no spending restrictions, and no hoops to jump through (such as category activation requirements), this is an ideal card for people who spend in a wide range of categories and love to maximize their cash back earning power. However, it’s not as useful for people who have no interest in opening a Fidelity account.

• Sign-up Bonus. There’s currently no sign-up bonus.
• Cash Back Rate. Unlimited 2% cash back on all purchases.
• Redemption. The minimum redemption is 5,000 points ($50). You can redeem your accumulated points for cash deposits into Fidelity brokerage accounts, Fidelity 529 College Savings Plans, Fidelity Cash Management accounts, and certain Fidelity retirement accounts (including traditional and Roth IRAs). You can split your redeemed cash between as many as five separate accounts. You can also set up an automatic redemption system that deposits cash into your chosen account(s) each month, provided you’ve reached the minimum threshold.
• Introductory APR. There’s currently no introductory APR promotion.
• APR. The regular purchase and balance transfer APR is a variable 14.24%, and the cash advance APR is a variable 24.24%.
• Key Fees. There is no annual fee. The balance transfer and cash advance fees are the greater of $5 or 3% of the transferred or advanced amount, and the foreign transaction fee is 1% of the total transaction amount.
• Other Perks. Includes a purchase protection plan that reimburses up to $500 per item in the event of theft, damage, or certain other losses within 90 days of purchase.

4. Chase Freedom UnlimitedSM

1.5% Cash Back on All Purchases; Sign-up Bonus Worth $150 + $25

Chase Freedom UnlimitedSM is similar to the flagship Chase Freedom® Card, but with an important distinction: Instead of flat 1% cash back and rotating 5% cash back categories with quarterly spending caps, it simply earns an unlimited 1.5% on all purchases. You can redeem for virtually anything, in any amount, at Chase’s Ultimate Rewards® portal – including cash equivalents, merchandise, and travel.

Chase Freedom UnlimitedSM has a great (and sometimes overlooked) perk for loyal Chase credit card customers. If you also have the Chase Ink Plus ($95 annual fee) business card or the Chase Sapphire Preferred ($95 annual fee) travel rewards card, you can transfer points earned through Chase Freedom UnlimitedSM to those accounts. You can then transfer those points at a 1-to-1 ratio to approximately 10 frequent traveler programs, or redeem them for travel purchases through the Ultimate Rewards® portal and receive a 20% bonus (for instance, boosting the value of a 50,000-point redemption to $625). However, keep in mind that you need to apply for Ink Plus or Sapphire Preferred – and remember, having Chase Freedom UnlimitedSM doesn’t necessarily qualify you for those cards.

• Sign-up Bonus. You get a $150 cash bonus when you spend at least $500 within 3 months of account opening. You also get an additional $25 bonus when you make your first purchase and add an authorized user to your account.
• Cash Back Rate. UnlimitedSM 1.5% cash back on all purchases.
• Redemption. You can redeem your accumulated cash back rewards in any amount. Redemption methods include statement credits, bank account deposits, gift cards, general merchandise purchases made through Chase’s Ultimate Rewards® portal and direct with third-party retailers such as Amazon, and travel purchases made through Chase’s Ultimate Rewards® portal.
• Introductory APR. 0% introductory purchase and balance transfer APR for 15 months after account opening.
• APR. After the introductory period, regular variable APR is 14.49% to 23.49%, depending on prevailing interest rates and your personal creditworthiness. The cash advance APR is 25.49%.
• Key Fees. There’s no annual fee. Balance transfers cost the greater of $5 or 5% of the transferred amount. Cash advances cost the greater of $10 or 5%, and foreign transactions cost 3% of the total transaction amount.
• Other Perks. Additional benefits include purchase protection (up to $500 per item for 120 days after purchase) and price protection (reimbursement for up to $500 of the difference between your higher purchase price and a lower advertised price within 90 days of purchase).

 5. Chase Freedom®

5% Cash Back in Rotating Categories Every Quarter; 1% on Everything Else

All purchases made with the Chase Freedom® card earn 1% cash back, with no caps or restrictions, and purchases up to $1,500 in quarterly rotating categories earn 5% cash back (e.g., gas stations and local commuter transportation for Q1 2017). Limited-time promotions occasionally push the card’s earning power even higher – for example, in the fourth quarter of 2015, purchases at Amazon, Zappos, Audible, and Diapers.com earned 10% cash back up to the $1,500 limit.

Chase Freedom® actually accumulates Chase Ultimate Rewards® points, a versatile spending currency that is usually worth $0.01 per point. Spending in the 1% cash back category earns 1 point per dollar, while spending in the 5% category earns 5 points per dollar. Once you accumulate 2,000 points, you can redeem for cash back (with each point being worth $0.01), deliverable as a statement credit, bank account deposit, or gift card at select retailers (including Amazon). You can also redeem for a wide variety of purchases, including travel and general merchandise, through Chase’s Ultimate Rewards® portal.

One small drawback of Chase Freedom®: You have to manually activate your 5% cash back each quarter. If you don’t do so by the middle of the last month of that quarter, you forfeit the 5% cash back opportunity.

• Sign-up Bonus. When you make $500 in qualifying purchases within 3 months of opening your account, you get $150. You can earn an additional $25 by adding an authorized user to the account and making a purchase within the same 3-month period.
• Cash Back Rate. 5% cash back (5 points per $1 spent) on purchases in quarterly rotating categories, up to $1,500 combined spending across all categories. Unlimited 1% cash back on quarterly category purchases above the $1,500 limit, as well as on all other purchases.
• Redemption. Once you accumulate 2,000 points ($20 value), you can redeem for statement credits, bank account deposits, and gift cards at a 1 point to $0.01 ratio. You can also redeem for travel, general merchandise, and other purchases at the Ultimate Rewards® portal.
• Introductory APR. 0% APR on purchases and balance transfers for 15 months.
• APR. After the introductory APR period ends, purchase and balance transfer APR is 14.49% to 23.49%, depending on your creditworthiness and prevailing interest rates. The cash advance APR is 25.49%.
• Key Fees. There’s no annual fee. Balance transfers cost the greater of $5 or 5% of the transferred amount. The foreign transaction fee is a flat 3%. Cash advances cost the greater of $10 or 5%.
• Other Perks. Chase’s Purchase Protection is an insurance product that covers all purchases made with your Chase Freedom® card for 120 days, up to $500 per claim and $50,000 per account, against theft, damage, and loss.

6a. Discover it®

5% Cash Back in Rotating Categories Every Quarter; 1% on Everything Else; Double Cash Back Your First Year

Discover it is one of several quality cards from Discover. All purchases earn 1% cash back, with no spending caps or restrictions. Like the Chase Freedom® card, purchases in quarterly rotating spending categories earn 5% cash back, up to a $1,500 quarterly limit across all active categories. Example spending categories include department stores, gas stations, restaurants, movie theaters, home improvement stores, and Amazon.com. You need to manually activate the 5% cash back in your account each quarter.

At the end of your first year as a cardholder, Discover automatically doubles all the cash back you earned over the previous 12 months. You can redeem your cash in any amount as a statement credit, bank account deposit, check, or Amazon purchase credit.

• Sign-up Bonus. There’s no sign-up bonus, though the first-year double cash back is a very nice perk.
• Cash Back Rate. 5% cash back on spending in quarterly rotating categories, up to the $1,500 combined limit. Additionally, you receive unlimited 1% cash back on quarterly category spending above the $1,500 limit, and on all other purchases.
• Redemption. Redeem in any amount for statement credits, paper checks, bank account deposits, and Amazon purchase credits.
• Introductory APR. 0% purchase and balance transfer APR for 12 months.
• APR. After the introductory period, purchase and balance transfer APR ranges between 11.24% and 23.24%, depending on creditworthiness and prevailing interest rates. The cash advance APR is 25.24%.
• Key Fees. There’s no annual fee or foreign transaction fee. Balance transfers after the introductory period cost a flat 3% of the transferred amount. Cash advances cost the greater of $10 or 5%.
• Other Perks. Discover’s Freeze It feature lets you turn off many account features, including the ability to make new purchases and cash advances, at the click of a button. The Discover it card also comes with a free FICO credit score and no late fees on your first late payment.

6b. NHL® Discover it®

5% Cash Back in Rotating Categories Every Quarter; 1% on Everything Else; Double Cash Back Your First Year; 10% off NHL Merchandise

The NHL Discover it card is the official credit card of the National Hockey League. On the cash back rewards front, it’s the same as the flagship Discover it: You get 1% cash back on all purchases, with no spending limits, plus 5% cash back on purchases in quarterly rotating categories up to $1,500 per quarter. Like the other it cards, Discover doubles cash back earned during the first year of your membership.

The main distinguishing feature of the NHL Discover it card is a permanent 10% discount on purchases made with the card at shop.nhl.com. You can also customize your card’s face with the logo of your favorite pro hockey team.

7. Discover it® Chrome

2% Cash Back on Dining and Gas; 1% Cash Back on Everything Else; Double Cash Back Your First Year

Discover it Chrome is a solid card for anyone who spends money on gas and restaurant meals. Dining and gas purchases with the card earn 2% cash back, up to $1,000 per quarter. After you hit your quarterly limit, you earn 1% on dining and gas purchases, with no spending caps. You also earn an unlimited 1% on all other purchases. Quarters begin January 1st, April 1st, July 1st, and October 1st.

As with the flagship Discover it, Discover it Chrome automatically doubles all the cash back you earn during your first year. You can redeem your cash in any amount as a statement credit, bank account deposit, check, or Amazon purchase credit.

• Sign-up Bonus. There’s no sign-up bonus, though the first-year double cash back is a nice perk.
• Cash Back Rate. 2% cash back on dining and gas purchases, up to $1,000 per quarter. Additionally, the card offers unlimited 1% cash back on dining and gas purchases above the quarterly limit, as well as on all other spending.
• Redemption. Redeem in any amount for statement credits, bank account deposits, paper checks, and Amazon purchase credits.
• Introductory APR. 0% purchase and balance transfer APR for 12 months.
• APR. After the introductory period, APR ranges between 11.24% and 23.24%, depending on creditworthiness and prevailing interest rates.
• Key Fees. There’s no annual fee or foreign transaction fees. Balance transfers cost 3% of the transferred amount.
• Other Perks. There’s no late fee on your first late payment. The card also comes with the Freeze It feature, which shuts off your card’s purchasing and cash advance capabilities with one click, and free FICO credit score.

8. Capital One® Quicksilver® Cash Rewards Credit Card

1.5% Cash Back on All Purchases; $100 Sign-up Bonus

Capital One Quicksilver complements a host of other Capital One financial products, including the Capital One 360 banking platform. Its cash back perk is attractive and easy to understand: 1.5% cash back on all purchases, everywhere, with no spending caps or rotating categories. You can redeem cash back for a statement credit, bank account deposit, or gift card.

If your spending spans a wide range of categories, this is one of the better general-purpose cash back cards. However, it’s not as strong a choice if you’re looking to maximize your spending in specific categories, such as grocery purchases or travel.

• Sign-up Bonus. Earn $100 when you make $500 in qualifying purchases within 3 months of opening your account.
• Cash Back Rate. Unlimited 1.5% cash back on all purchases.
• Redemption. Redeem in any amount for statement credits, bank account deposits, or gift cards. You can also set up automatic redemptions at predetermined thresholds ($25, $50, $100, or $200) and receive your cash back in the method of your choosing when you hit the threshold.
• Introductory APR. 0% purchase and balance transfer APR through November 2016.
• APR. After the introductory period, the purchase and balance transfer APR is 13.24% to 23.24%, depending on your creditworthiness. The cash advance APR is 23.24%. There’s no penalty APR.
• Key Fees. There’s no annual fee or foreign transaction fees. Cash advances cost the greater of $10 or 3% of the transferred amount.
• Other Perks. Card membership automatically entitles you to Visa Signature benefits, including travel upgrades, exclusive shopping discounts, and preferred seating at sporting events and concerts. You also get access to Capital One Credit Tracker, which includes 100% free, unlimited access to your credit score, plus a “what-if simulator” that you can use to visualize different credit scenarios.

9. Capital One® QuicksilverOne® Cash Rewards Credit Card

1.5% Cash Back on All Purchases; Lower Credit Requirements

Capital One QuicksilverOne is very similar to the Quicksilver card. You get 1.5% on all purchases, all the time, with no spending limits or rotating categories. Cash redemption procedures are the same, as are the card’s general benefits and restrictions. The biggest differences are a modest annual fee ($39), no sign-up bonus, and a higher variable APR for the QuicksilverOne card.

The main benefit of the QuicksilverOne is its relatively lax credit history requirements. Whereas the Quicksilver card (like most cash back credit cards) requires excellent credit, QuicksilverOne requires merely “average” credit, though Capital One doesn’t specify exactly what this means.

The flip side of this is that most new cardholders don’t qualify for high credit limits. If you’re able to make your monthly payments on time for five consecutive months, Capital One approves you for a higher credit line.

• Sign-up Bonus. There is currently no sign-up bonus for this card.
• Cash Back Rate. Unlimited 1.5% cash back on all purchases.
• Redemption. Redeem in any amount for gift cards, statement credits, or bank account deposits. You can also set up automatic redemptions at predetermined thresholds ($25, $50, $100, or $200) and receive your cash back in the method of your choosing when you hit the threshold.
• Introductory APR. 0% purchase and balance transfer APR through November 2016.
• APR. After the introductory period, the variable APR rises to 23.24%, depending on your creditworthiness and prevailing interest rates.
• Key Fees. There’s a $39 annual fee and no foreign transaction fee. Cash advances cost the greater of $10 or 3% of the transferred amount, plus a 23.24% APR.
• Other Perks. All the perks of the Quicksilver card apply, including access to Capital One’s Credit Tracker feature and exclusive/VIP access to events.

10. Citi® Double Cash Card

1% Cash Back on All Purchases; Additional 1% Cash Back on All Balance Payments at or Above Minimum Payment

The Citi Double Cash Card literally pays you twice. You get 1% cash back on all purchases, with no spending limits or spending categories to worry about. You also get 1% cash back on all monthly payments, regardless of whether you carry a balance, as long as you keep up with your minimum payments.

There’s never a cap on how much cash you can earn with the Citi Double Cash Card. Once you accumulate at least $25 in cash back rewards, you’re free to redeem by paper check, gift card, or statement credit, but not direct deposit.

• Sign-up Bonus. There’s currently no sign-up bonus.
• Cash Back Rate. Unlimited 1% cash back on all purchases and unlimited 1% cash back on all monthly payments, for total cash back rate of 2%.
• Redemption. The minimum redemption amount is $25. You can redeem by paper check, statement credit, or gift card.
• Introductory APR. 0% APR on balance transfers for 18 months.
• APR. The regular APR varies between 13.24% and 23.24%, depending on your creditworthiness. The cash advance APR is 25.49%, and the penalty APR is 29.99%.
• Key Fees. There’s no annual fee. The balance transfer fee is the greater of $5 or 3% of the total amount transferred. Cash advances cost the greater of $10 or 5%. Foreign transactions cost 3%.
• Other Perks. Citi Price Rewind refunds up to $300 for each individual purchase, and up to $1,200 per year, if Citi finds a lower price on an item you purchased within 60 days of purchase. Also, Citi waives your first late fee after sign-up.

11a. BankAmericard Cash Rewards™ Credit Card

3% Cash Back on Gas; 2% on Grocery Store Purchases; 1% on Everything Else; $100 Sign-up Bonus

Like American Express’s Blue Cash cards, the BankAmericard Cash Rewards Credit Card rewards you nicely for everyday purchases. You get 3% cash back on gas buys and 2% on grocery store purchases, up to a $2,500 quarterly limit. The 1% cash back on everything else is without limit.

You can redeem your cash back as a statement credit, paper check, Bank of America account deposit (but not a non-BoA account deposit), or Merrill Lynch Cash Management Account deposit. If you’re an existing Bank of America customer, you automatically get a 10% cash bonus every time you redeem your cash back into a Bank of America account.

If you’re a Bank of America Preferred customer, your bonus ranges from 25% to 75%, depending on your membership level. Preferred status requires you to keep at least $25,000 in a Bank of America deposit or investment account, so it’s not suitable for everyone.

The BankAmericard Cash Rewards Credit Card is great if you use your card primarily for staple purchases. If you spend more than $2,500 per quarter on gas or groceries and want to maximize your cash back power, consider one of the Blue Cash cards.

• Sign-up Bonus. You get $100 bonus cash back for making $500 in qualifying purchases within 90 days of opening your account.
• Cash Back Rate. 3% cash back on gas and 2% cash back on grocery store purchases, up to a combined quarterly spending limit of $2,500. You receive unlimited 1% cash back on gas and grocery store spending above that limit, and on all other spending as well.
• Redemption. The minimum redemption is $25. You can redeem for statement credits, paper checks, deposits into Bank of America checking or savings accounts, or deposits into Merrill Lynch Cash Management accounts. Bank of America customers get a 10% bonus for each redemption into a Bank of America or Merrill Lynch account.
• Introductory APR. 0% purchase and balance transfer APR for 12 billing cycles.
• APR. After the introductory period, APR ranges from 13.24% to 23.24%, depending on your creditworthiness and prevailing interest rates. Cash advance APR is 16.24% to 25.24%, depending on creditworthiness and rates. The penalty APR is 29.99%.
• Key Fees. There’s no annual fee. Balance transfers and cash advances cost the greater of 3% or $10. Foreign transactions cost 3% of the transferred amount.
• Other Perks. Bank of America has a great mobile app and text alert system for account management.

11b. Susan G. Komen® Credit Card

3% Cash Back on Gas; 2% on Grocery Store Purchases; 1% on Everything Else; $100 Sign-up Bonus; Automatic Susan G. Komen Fund Donations

Bank of America’s Susan G. Komen Credit Card is basically the BankAmericard Cash Rewards Credit Card, including charitable donations to the Susan G. Komen fund. The same 3% cash back on gas buys and 2% on grocery store purchases (up to a $2,500 quarterly limit) applies. There’s no limit on your ability to earn 1% cash back on all other purchases.

As part of its partnership with the Susan G. Komen fund, Bank of America pays the organization $3 for every new card issued and activated within 90 days. It also automatically gives 0.08% of each card transaction’s value to the Komen fund, the largest breast cancer organization in the U.S., through December 2020.

This card’s redemption guidelines are the same as the BankAmericard Cash Rewards Card: statement credit, paper check, Bank of America account deposit (with 10% bonus), or Merrill Lynch deposit. You can redeem your cash back as a statement credit, paper check, Bank of America account deposit, or Merrill Lynch Cash Management Account deposit. The 25% to 75% bonus for Preferred customers applies as well.

• Sign-up Bonus. $100 bonus cash back when you make $500 in qualifying purchases within 90 days of opening your account.
• Cash Back Rate. 3% cash back on gas and 2% cash back on grocery store purchases, up to a combined quarterly spending limit of $2,500. You receive unlimited 1% cash back on gas and grocery store spending above that limit, and on all other spending.
• Redemption. The minimum redemption is $25. You can redeem for statement credits, paper checks, deposits into Bank of America checking or savings accounts, or deposits into Merrill Lynch Cash Management accounts. Bank of America customers get a 10% bonus for each redemption into a Bank of America or Merrill Lynch account.
• Introductory APR. 0% purchase and balance transfer APR for 12 billing cycles.
• APR. Regular APR ranges from 13.24% to 23.24%, depending on your creditworthiness and prevailing interest rates. Cash advance APR is 16.24% to 25.24%, depending on creditworthiness and rates. The penalty APR is 29.99%.
• Key Fees. There’s no annual fee. Balance transfers and cash advances cost the greater of 3% or $10. Foreign transactions cost 3% of the transferred amount.
• Other Perks. BoA sends an additional $3 to Komen every time you renew your card membership.

11c. MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card

3% Cash Back on Gas; 2% on Grocery Store Purchases; 1% on Everything Else; $100 Sign-up Bonus

The MLB BankAmericard Cash Rewards MasterCard Credit Card is nearly identical to BankAmericard Cash Rewards. The same cash back rules, redemption procedures, and bonuses for Bank of America account deposits apply. However, you have the added benefit of decorating the card with the MLB team logo of your choice.

One drawback relative to other sports-themed credit cards is that there are no discounts on team merchandise. For instance, one of the best things about the NHL Discover it card is the permanent 10% discount on all merchandise purchased through the NHL’s ecommerce portal – but you don’t get that with this card.

12. Barclaycard CashForward™ World MasterCard®

1.5% Cash Back on All Purchases; 5% Redemption Bonus; $100 Sign-up Bonus

Like the Capital One Quicksilver and QuicksilverOne cards, the Barclaycard CashForward World MasterCard earns 1.5% cash back on all purchases, with no spending caps or rotating categories. It also offers a 5% redemption bonus that automatically boosts redeemed cash back by 5% – so a $100 redemption becomes $105. This essentially increases the effective cash back rate to 1.575%. You can redeem for a statement credit, gift card, or bank account deposit.

One significant drawback is the rather high cash back redemption limit. Whereas most other cash back cards allow you redeem in amounts greater than $10 or $20, and sometimes in any amount, the Barclaycard CashForward World MasterCard requires at least $50 before you can redeem.

• Sign-up Bonus. You get a $100 cash bonus when you spend $500 within 90 days of account opening.
• Cash Back Rate. Unlimited 1.5% cash back on all purchases.
• Redemption. The minimum redemption is $50. You can redeem for statement credits, gift cards, or bank account deposits. You always get a 5% boost at redemption, for a 1.575% effective cash back rate.
• Introductory APR. 0% introductory purchase and balance transfer APR for 15 months after account opening.
• APR. After the introductory period, regular variable APR is 14.99% to 24.99%, variable depending on your creditworthiness and prevailing rates. The cash advance APR is 25.49%.
• Key Fees. There’s no annual fee. Balance transfers cost the greater of $5 or 3% of the transferred amount. Cash advances cost the greater of $10 or 5%. Foreign transactions are 3% of the total transaction amount.
• Other Perks. You get a free FICO score and access to a generous trip protection policy that provides refunds for trip cancellations due to illness, bad weather, and certain other events.

13. U.S. Bank Cash+™ Visa Signature® Card

5% Cash Back on 2 Quarterly Categories, Up to $2,000 Spending; Unlimited 2% Cash Back in 1 Quarterly Category

The U.S. Bank Cash+ Visa Signature Card is a powerful, no-annual-fee cash back card with above-average earning power in a variety of common spending categories.

This card earns 5% cash back in 2 quarterly categories of your choice, up to $2,000 in combined quarterly spending. 5% options vary from quarter to quarter, but typically include department stores, fast food outlets, electronics stores, movie theaters, and car rental companies. The card also earns an unlimited 2% cash back in a single category of your choice. 2% categories tend to be broader, and typically include gas stations, grocery stores, and restaurants. Finally, this card earns an unlimited 1% cash back on all 5% category spending above the quarterly spending limit, and on purchases not included in one of the three selected spending categories.

One minor – but notable – drawback of this card is that you need to activate your 5% and 2% categories each quarter. If you fail to do so, you forfeit their earnings above the 1% baseline cash back rate.

• Sign-up Bonus. There is currently no sign-up bonus.
• Cash Back Rate. 5% cash back in two quarterly categories of your choosing, up to a $2,000 combined quarterly spending limit. There is unlimited 2% cash back in one everyday category of your choice, plus unlimited 1% cash back on all other spending, including in 5% categories above the quarterly spending limit.
• Redemption. Redeem in any amount for deposits into U.S. Bank accounts or statement credits. You can also redeem for a U.S. Bank gift card, subject to a $20 redemption minimum.
• Introductory APR. 0% APR on balance transfers for 9 months from account opening.
• APR. After the introductory period, the balance transfer APR ranges from 13.24% to 24.24%, depending on your personal creditworthiness and prevailing rates. The purchase APR falls within the same range from day one. The cash advance APR is a variable 24.24%.
• Key Fees. There’s currently no annual fee. Balance transfers cost the greater of $5 or 3%, while cash advances cost the greater of $10 or 4%. Foreign transactions cost 2% to 3% of the total transaction amount, depending on the denomination. The late payment fee is $37, while the returned payment fee is $35.
• Other Perks. Includes 24/7 concierge service (for help with travel bookings and event reservations), plus complimentary loss/damage coverage for car rentals charged in full.