Credit Cards

14 Best credit cards with cashback rewards of 2021

Come check out what are some of the best credit cards with cashback rewards of the year! Their features and benefits are incredible!

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by Thais Daou

Published on 09/05/2021

Find out everything about the best credit cards with cash back

We've made a list of the best credit cards with cashback rewards. Source: Unsplash
We’ve made a list of the best credit cards with cashback rewards. Source: Unsplash

Do you know what are the best credit cards with cashback rewards for the year 2021? Well, now you will. It is always good to keep yourself up to date regarding having credit products that value your money and your purchases.

Therefore, we have made a list of fifteen credit cards that offer good APR percentages, annual fees, as well as some amazing welcome bonuses and rewards.

In case your current credit card does not give you most of the benefits below, you may consider changing credit cards.

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The 15 best choices for credit cards with good cash back rewards

See here the best credit cards with cashback rewards. Source: Unsplash
See here the best credit cards with cashback rewards. Source: Unsplash

See below our list of this year’s best credit cards with cashback rewards. They are organized in no particular order:

Citi Custom Cash℠ Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR13.99% – 23.99%
Welcome Bonus*20 thousand ThankYou® Points or
$200 redeemed cash back after $750 spent on purchases in the first three months

*Terms apply
Rewards*1% to 5% cash back on purchases up to the first $500 spent

*Terms apply

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American Express Blue Cash Preferred® Card

Credit ScoreGood to Excellent
Annual Fee$95
Regular APR13.99% – 23.99%
Welcome Bonus*$0 annual fee during the first twelve months
0% regular APR during the first twelve months

*Terms apply
Rewards*1% to 6% cash back on purchases

*Terms apply

Wells Fargo Active Cash℠ Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR14.99% – 24.99%
Welcome Bonus*0% APR during the first fifteen months on purchases and balance transfers
$200 cash rewards during the first three months on purchases of $1,000+

*Terms apply
Rewards*2% cash rewards on purchases
Cash rewards with no expiration date

*Terms apply

Wells Fargo Active Cash card full review

Learn everything about this amazing cash back card from Wells Fargo and its benefits!

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Citi® Double Cash Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR13.99% – 23.99%
Welcome Bonus*0% APR during the first eighteen months on balance transfers

*Terms apply
Rewards*Up to 2% cash back rewards

*Terms apply

Capital One SavorOne Cash Rewards Credit Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR15.49% – 25.49%
Welcome Bonus*0% APR during the first fifteen months on purchases
A $200 cash reward up to the third month on purchases of $500+

*Terms apply
Rewards*Up to 8% cash rewards on purchases
No foreign transaction fees

*Terms apply

Bank of America® Customized Cash Rewards Credit Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR13.99% – 23.99%
Welcome Bonus*0% APR during the first fifteen months on purchases and/or
0% APR during the first two months on balance transfers
$200 cash rewards during the first three months on purchases of $1,000+

*Terms apply
Rewards*Up to 3% cash rewards on purchases
Rotating bonus categories
Relationship rewards

*Terms apply

Chase Freedom Unlimited® Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR14.99% – 23.74%
Welcome Bonus*0% APR during the first fifteen months on purchases
A $200 cash reward during the first three months on purchases of $500+
Up to 5% cash rewards on selected categories during the first twelve months

*Terms apply
Rewards*1.5% cash rewards on purchases
Up to 5% cash rewards on selected categories
No minimum redemption amount

*Terms apply

Bank of America® Unlimited Cash Rewards Credit Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR13.99% – 23.99%
Welcome Bonus*0% APR during the first fifteen months on purchases and/or
0% APR during the first two months on balance transfers
$200 cash rewards during the first three months on purchases of $1,000+

*Terms apply
Rewards*Cash rewards with no expiration date
Cash rewards with no limited amount

*Terms apply

Savor® Rewards from Capital One Card

Credit ScoreGood to Excellent
Annual Fee$95
Regular APR15.99% – 24.99%
Welcome Bonus*A $300 cash reward during the first three months on purchases of $3,000+

*Terms apply
Rewards*No foreign transaction fees
Up to 4% cash rewards on selected categories
Cash rewards with no expiration date and no limit amount

*Terms apply

Capital One® Walmart Rewards Credit Card

Credit ScoreFair
Annual Fee$0
Regular APR17.99% – 26.99%
Welcome Bonus*5% cash reward during the first twelve months

*Terms apply
Rewards*Up to 5% cash rewards on selected categories
No foreign transaction fees

*Terms apply

Discover it® Cash Back Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR11.99% – 22.99%
Welcome Bonus*0% APR during the first fourteen months on purchases and balance transfers

*Terms apply
Rewards*Up to 5% cash rewards on selected categories
Cash rewards with no expiration date and no limited amount

*Terms apply

HSBC Cash Rewards Mastercard® Credit Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR3.99% – 23.99%
Welcome Bonus*A low APR during the introductory period
3% cash rewards during the first year on purchases of $10,000+

*Terms apply
Rewards*1.5% cash rewards on purchases
No foreign transaction fees

*Terms apply

Chase Freedom Flex℠ Credit Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR14.99 – 23.74%
Welcome Bonus*A $200 cash reward during the first three months on purchases of $500+
5% cash rewards during the first twelve months on selected purchases of $12,000+

*Terms apply
Rewards*Rotating quarter to quarter categories
Premium travel rewards

*Terms apply

U.S. Bank Cash+™ Visa Signature® Card

Credit ScoreGood to Excellent
Annual Fee$0
Regular APR13.99% – 23.99%
Welcome Bonus*0% APR during the first twelve months on balance transfers
Up to $550 cash rewards during the first twelve months
$150 cash rewards during the first three months on selected net purchases of $500+

*Terms apply
Rewards*2% cash rewards on one selected category of your choice
1% cash rewards on all selected purchases
Cash rewards with no limited amount

*Terms apply

As it is possible to conclude, our list containing the best credit cards with cashback rewards has fifteen credit cards that have some features in common, such as: all of the abovementioned credit cards have a zero dollar annual fee.

Also, as well as their respective regular APR percentages, most of them offer a zero percent regular APR during an introductory period. Moreover, with any of the above cards, you will enjoy different types of cashback rewards.

However, the majority of them ask that you have a good or an excellent credit score. So, if you want to know more about credit cards and credit scores, continue reading more of our articles!

What is a good credit score? Find out here!

Not having a good credit score can be what keeps you from enjoying the best credit products of the market. So, hear us out and learn more about credit scores!

About the author

Thais Daou

Thais Daou holds an undergraduate degree in Languages — Translating and Interpreting from the São Judas Tadeu University. She has been translating, proofreading, and transcribing financial documents, as well as documents from other fields, for five years. And now she begins a new chapter in her career, writing about financial solutions in a simplified way, with a desire to spread this knowledge, which is so important.

Reviewed by

Aline Barbosa

Senior Editor

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