Best Cash Back Credit Cards

Best Cash Back Credit Cards -

Updated July 20, 2016

We've all seen the commercials for reimbursement the credit cards they PITCH how much money you will do once you have their card in your wallet. It is important to know that, even if a card may look good on television (or radio), it may not be the big money-maker you expect. Cash back cards are often subject to complicated terms and conditions, limitations and requirements signup quarterly winner. In addition, a cash back card that works for the spending profile of a person may not work as well for another.

We have looked closely at the popular cash back cards, evaluate exactly how users have won awards and research on the limits of potential gains or other hassles. We based the earnings of each map on data from real life, we have collected over the past 15 months. More than 7,500 users have told us they spend on average the following amounts on their credit card each month: $ 300 in groceries, $ 180 of gasoline, $ 150 on eating out, $ 25 in department stores and $ 444 on everything else. We took these numbers and apply them to every credit card, using different winning card percentages to calculate how much cash back each card would generate. We've also included bonus cash back, subtracted from the annual fees and accounted win limitations (To customize the results of your expenses, you can also try our cash back calculator).

After all the number crunching, the winners of our 2,014 Cash Back Analysis are

# 1: Blue Cash Card from American Express preferred
Our # 1 cash back credit card analysis is head and shoulders above the pack, earning $ 722 cash back within 2 years. With a whopping 6% cash back at supermarkets (to a maximum of $ 6K purchases per year), 3% in the stations and select department stores and 1% on everything else, the Blue Cash Preferred (advertiser NextAdvisor) won over $ 150 more than our # 2 rated card. It also features a bonus of $ 150 after spending $ 1,000 within the first 3 months (bought as a statement credit) and a 0% introductory APR on purchases and balance transfers for 15 months. There is an annual fee of $ 75, but this is already reflected in the results from 672 $ to 2 years.

# 2: BankAmericard Cash Rewards Credit Card
Second place goes to the BankAmericard Cash Rewards Credit Card, who won $ 522 over a period of 2 years. Users earn 2% cash back at grocery stores and wholesale clubs (Costco!), And 3% on gas for the first installment of $ 2,500 for groceries and gas combined each quarter (after limit is reached, users earn the standard 1% cash back). All other purchases earn 1% cash back. In addition, you get an additional 10% bonus every time you redeem your cash back rewards savings or checking account Bank of America (not included in our analysis). This means that if you redeem $ 100, you will receive a $ 10 bonus. It is the bonus that keeps on giving! In addition, you will win $ 100 cash bonus rewards after spending $ 500 within the first 90 days and no annual fee. Overall, this is a strong work horse of a cash back card and our first choice if you do not want to pay an annual fee.

# 3: Blue Cash Everyday Card from American Express
In third place is the Blue Cash Card Everyday - the sister card to our # 1 rated Blue Cash Card prefer. He won $ 557 during the period of 2 years. You will earn 3% in supermarkets (to a maximum of $ 6K per year in procurement), 2% in the stations and select department stores and 1% on everything else. There is also a $ 100 bonus (acquired as a statement credit) after spending $ 1,000 within the first 90 days and 0% Intro APR on purchases and balance transfers for 15 months. Moreover, there is no annual fee.

The other cards included in our analysis, most cash back earnings at least were: Rewards Capital One Quicksilver Cash, Credit Card, Chase Freedom, Citi Dividend Platinum Select Visa - $ 100 Cash Back, discover the map , rewards students Journey of Capital One Capital One QuicksilverOne rewards credit card cash TrueEarnings Costco card and American Express.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and has not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but the terms and conditions of card can change at any time. This site may be compensated by the sending credit card affiliate program.