Best cash back credit cards 2019

By: Heather Hanks Mar. 21, 2019

The best cash back credit cards aren’t hard to find! We’ve done the work for you by putting together a list of our top picks. Don’t just take out a credit card. Take out one of the top cash back credit cards and save on money you already spend. You can save as much as 10% rewards bonus with no annual fees. Our list of the top three best cash back credit cards makes it easy for you to pick the one that’s best for you without doing hours of research. We provided winners for each of our three categories, which include best 5% rewards and a unique bonus, best cash sign-up bonus, and best annual 10% bonus. The best part is that all cards come with a $0 annual fee. This allows you to save money when you spend and when you sign up for one of these credit cards with cash back.

Our pick for

5% categories and a unique bonus

Consider the Discover It Cash Back Card if you want to earn 5% cash back at gas stations, grocery stores, restaurants, and Amazon. Plus, the more you spend, the more you save. You’ll earn 1% unlimited cash back on all other purchases. To apply, you’ll need a credit score of at least 690. You’ll get 13.99% to 24.99% variable APR, depending on your credit score and history, as well as 0% APR on purchases and balance transfers for 14 months.

Discover it® Cash Back Card

ANNUAL FEE

$0

REGULAR APR

13.99% - 24.99% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 14 months

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Cash sign-up bonus

Our top pick for best cash bonus sign up goes to the Wells Fargo Cash Wise credit card. It features a $0 annual fee and 1.8% cash back. You’ll get 1.8% cash rewards on purchases you make with Google Pay or Apply Pay for one year. You can redeem these rewards at one of Wells Fargo’s 13,000 nationwide ATMs with your Wells Fargo ATM or debit card. Cash is available in $20 increments only. APR’s range from 15.99% to 26.99% and you need a credit score of 690 to supply.

Wells Fargo Cash Wise Visa® Card

ANNUAL FEE

$0

REGULAR APR

15.99% - 26.99% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 12 months

RECOMMENDED CREDIT SCORE

690 - 850

Our pick for

Annual 10% rewards bonus

Finally, our top pick for an annual 10% rewards bonus is the HSBC Cash Rewards Mastercard. It features a $150 cash back after you spend $2500 or more within the first three months of opening your account. You’ll get a 0% introductory APR on balance transfers for 15 months. Mastercard requires that you post transfers within the first 60 days after opening the account. Then, you’ll enjoy a competitive APR of 14.99%, 18.99% or 24.99% if you have a credit score of at least 690. Our list of the best credit cards for cash back frees up your time by doing your homework for you. For more information, click on each credit card to learn more.

HSBC Cash Rewards Mastercard® credit card

ANNUAL FEE

$0

REGULAR APR

0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.

INTRO APR

0% on Purchases and Balance Transfers for 12 months

RECOMMENDED CREDIT SCORE

690 - 850

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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