Best Cash-Back / Shopping Credit Cards for 2024
Owl Banking reviewed dozens of credit cards to find the BEST credit cards for general shopping and cash-back rewards. These cards are great to for everyday uses to build up cash rewards!
Blue Cash Preferred® Card from American Express
Sign-Up Bonus
$250
Sign-Up Bonus Requirements
Spend $3,000 within 6 months
Annual Fee
$0 (Yr 1 only)
Rewards Rate
1%-6% cash back
Key Features
→ $250 cash-back sign-up bonus
→ Earn 6% cash-back at U.S supermarkets and U.S streaming subscriptions, and 3% cash-back at U.S. gas stations
→ 1% cash-back on all purchases
→ $0 Introductory Annual Fee for the first year, then $95 thereafter
Chase Freedom Unlimited®
Sign-Up Bonus
$200
Sign-Up Bonus Requirements
Spend $500 within 3 months
Annual Fee
$0
Rewards Rate
1.5-5% cash back
Key Features
→ $200 sign-up bonus and 5% cash back at gas stations and grocery stores
→ 5% cash back on travel purchase through Chase Ultimate Rewards, 3% cash back on dining at restaurants, including takeout and eligible delivery services, 1.5% on all other purchases
→ 0% intro APR for 15 months from account opening on purchases and balance transfers.
→ No Annual Fee
Amazon Prime Visa Card
Sign-Up Bonus
$100
Sign-Up Bonus Requirements
None
Annual Fee
$0
Rewards Rate
1%-5% rewards
Key Features
→ $100 Amazon gift card sign-up bonus
→ 5% back Amazon.com, Amazon Fresh, Whole Foods, and Chase Travel purchases
→ 2% back at gas stations, restaurants, and local transit (incl. Uber and Lyft), and 1% back on all other purchases
→ No annual fee
Costco Anywhere Visa® Credit Card by Citi
Sign-Up Bonus
$0
Sign-Up Bonus Requirements
Not applicable.
Annual Fee
$0
Rewards Rate
1%-4% cash back
Key Features
→ Earn 4% cash back on eligible gas for the first $7,000 per year, 3% cash back on restaurants and eligible travel, 2% cash back on all other purchases from Costco and Costco.com, and 1% cash back on all other purchases.
→ Use the Costco Anywhere Visa® Card as your Costco membership ID
→ No foreign transaction fees
→ No annual fee
→ Key drawback to comparable cards: No sign-up bonus
Discover it® Chrome Gas & Restaurant Credit Card
Sign-Up Bonus
$0
Sign-Up Bonus Requirements
None
Annual Fee
$0
Rewards Rate
1.5x-2x miles
Key Features
→ You earn $2 cash back at gas stations and restaurants up to $1,000 each quarter, automatically
→ 1% cash back on all purchases
→ Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much Discover will match. So you could turn $50 cash back into $100. Or $100 into $200
→ No Annual Fee
Discover it® Cash Back Credit Card
Sign-Up Bonus
$0
Sign-Up Bonus Requirements
None
Annual Fee
$0
Rewards Rate
1%-5% cash back
Key Features
→ 5% cash back on up to $1,500 in combined purchases in rotating categories that you activate like gas stations, grocery stores & restaurants
→ 0% intro APR for 15 months from account opening on purchases
→ No Annual Fee
→ Key drawback: tracking categories and quarterly activations
Chase Freedom Flex
Sign-Up Bonus
$200
Sign-Up Bonus Requirements
Spend $500 within 3 months
Annual Fee
$0
Rewards Rate
1%-5% cash back
Key Features
→ 5% cash back on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores & select online merchants, each quarter you activate
→ 3% rewards on dining at restaurants, including takeout and eligible delivery services, and drugstores, and 1% cash back on all other purchases
→ 0% intro APR for 15 months from account opening on purchases and balance transfers
→ No Annual Fee
→ Key drawback: quarterly activations elevated bonus categories