Best cash back credit card offers

March 18, 2020

This blog is usually all about points and miles. The game we play involves acquiring points & miles, usually without traveling, in order to travel nearly for free. Current events, though, has led some of us to turn towards cash-earning options: new credit card bonuses, new bank account bonuses, cash rewards from spend, cash back shopping portals, etc. This post is designed to dive into the first in the list: credit card bonuses.

The cards shown below are sorted by our formula for estimated first year value. With cash back cards you’d think that a formula isn’t necessary. Can’t you simply take the welcome bonus and subtract out the first year annual fee? Nope. We also have to account for the cost of spend. Some cards have much higher minimum spend requirements which we need to account for. For example, I’d argue that a $300 welcome offer that requires $500 spend is much better than a $300 offer that requires $3,000 spend.

For help with meeting spend requirements, please see: 7 ways to increase credit card spend from home.

Table of Contents

Top 10 Cash Back Credit Card Offers

Top 10 offers are shown. Press “Next” to see more.

Card Offer
U.S. Bank Business Leverage® Visa Signature® Card ➥More ⓘ $600 1st Yr Value Estimate 75K points 75K after $7500 spend in first 4 months No Annual Fee First Year, Then $95 Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
Bank of America Premium Rewards ➥More ⓘ $450 1st Yr Value Estimate 50K points 50K after $3K spend in 90 days $95 Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One Spark Cash Select Business Credit Card ➥More ⓘ $433 1st Yr Value Estimate $500 Cash Back $500 after $4.5K spend in 3 months No Annual Fee Note: Capital One Business credit cards DO count against Chase's 5/24 Rule Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® ➥More ⓘ $410 1st Yr Value Estimate $500 Cash Back $500 cash back after $4500 spend on the account owner's card in first 150 days No Annual Fee
Bank of America Business Advantage Cash Rewards Mastercard ➥More ⓘ $400 1st Yr Value Estimate $500 Cash Back $500 after $5K spend in 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: $750 after $5K spend in 90 days [Expired 9/1/21]
Capital One Spark Cash Plus Business Charge Card ➥More ⓘ $350 1st Yr Value Estimate Up to $1,000 $500 after $5K spend in 3 months plus $500 more after $50K spend in 6 months $150 Annual Fee Note: Most Capital One Business cards count against Chase's 5/24 Rule, but this one does not Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Wells Fargo Business Platinum Visa® card ➥More ⓘ $255 1st Yr Value Estimate $300 Cash Back $300 or 30,000 points after $3K spend in the first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Disney Premier Visa Card ➥More ⓘ $241 1st Yr Value Estimate $300 Cash Back $300 statement credit after $1000 in purchases within first 3 months $49 Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One Savor ➥More ⓘ $240 1st Yr Value Estimate $300 Cash Back Earn a one time bonus: $300 after $3K spend in 3 months from account opening No Annual Fee First Year, Then $95 Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
American Express Blue Business Cash™ Card ➥More ⓘ $220 1st Yr Value Estimate $250 statement credit Earn a $250 statement credit after $3K in purchases in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee Alternate offer: Earn up to $500 in statement credits: Earn $250 back after $5K in purchases in the first 6 months plus an additional $250 after an additional $10K in purchases in the first year. Note that information about this offer has been collected independently by Frequent Miler. The issuer did not provide the details and is not responsible for their accuracy.
BOA Platinum Business Visa ➥More ⓘ $210 1st Yr Value Estimate $300 Cash Back $300 after $3000 spend in 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Manchester United Credit Card ➥More ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K points were briefly available at launch
Cleveland Cavaliers Credit Card ➥More ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K points were briefly available at launch
Miami Marlins Credit Card ➥More ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Blue Cash Everyday® Card from American Express ➥More ⓘ $195 1st Yr Value Estimate $100 back + up to $150 in statement credits for select purchases $100 back after $2K in the first 6 months + 20% back on purchases at Amazon.com up to $150 in statement credits in the first 6 months. Terms apply. (Rates & Fees) No Annual Fee Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One Quicksilver ➥More ⓘ $193 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
Capital One SavorOne Cash Rewards Credit Card ➥More ⓘ $190 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
American Express Cash Magnet® Card ➥More ⓘ $185 1st Yr Value Estimate $200 Cash Back $200 back after $1K in purchases in first 3 months. Terms apply. No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Bank of America Customized Cash Rewards ➥More ⓘ $180 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: $200 back after $500 spend in 90 days [Expired 1/19]
AAA Member Rewards Visa Signature Card ➥More ⓘ $180 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Blue Cash Preferred® Card from American Express ➥More ⓘ $175 1st Yr Value Estimate $150 cash back + up to $200 in statement credits for select purchases $150 cash back as a statement credit after $3K in the first 6 months + 20% back on purchases at Amazon.com for the first 6 months up to $200 back as statement credits. Terms Apply. (Rates & Fees) $95 Annual Fee Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)
PRICELINE REWARDS VISA® CARD ➥More ⓘ $150 1st Yr Value Estimate $150 Cash back $150 statement credit after first purchase No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Disney Visa Card ➥More ⓘ $150 1st Yr Value Estimate $150 Cash Back $150 statement credit after $500 in purchases in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
The Plum Card® from American Express ➥More ⓘ $150 1st Yr Value Estimate Up to $600 Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees) No Annual Fee First Year, Then $250 Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Upromise World MasterCard® issued by Barclays ➥More ⓘ $141 1st Yr Value Estimate $150 Cash back $150 cash back after $500 spend in the first 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Affinity Cash Rewards Visa® Signature Credit Card ➥More ⓘ $140 1st Yr Value Estimate $200 cash back $200 cash back after $3K spend in first 90 days No Annual Fee Join Affinity by donating at least $5 to the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
U.S. Bank Cash+ ➥More ⓘ $140 1st Yr Value Estimate $150 $150 after $500 spend in 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
TD Cash Visa Credit Card ➥More ⓘ $140 1st Yr Value Estimate $150 Cash Back $150 after $500 spend in 90 days. No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
TD Business Solutions Visa ➥More ⓘ $130 1st Yr Value Estimate $150 Cash Back $150 after $1K spend in 90 days No Annual Fee NOTE: TD Bank's business cards DO count against 5/24. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
Amazon Business Prime American Express Card ➥More ⓘ $113 1st Yr Value Estimate $125 Amazon Gift Card Eligible Prime members get a $125 Amazon.com Gift Card upon approval. Terms apply. (Rates & Fees) No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Discover it Miles - Double Miles your first year ➥More ⓘ $100 1st Yr Value Estimate $100 + First Year Double Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AARP® Travel Rewards Mastercard® ➥More ⓘ $90 1st Yr Value Estimate $100 Cash Back $100 after $500 spend in 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AARP® Essential Rewards Mastercard® ➥More ⓘ $90 1st Yr Value Estimate $100 Cash Back $100 after $500 spend in 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Schwab Investor Card® from American Express ➥More ⓘ $85 1st Yr Value Estimate $100 Cash Back $100 statement credit after $1K in purchases in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Rakuten (formerly Ebates) Cash Back Visa issued by Synchrony Bank ➥More ⓘ $10 1st Yr Value Estimate $10 Cash Back $10 after first purchase No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Santander® Ultimate Cash Back® credit card ➥More ⓘ $0 1st Yr Value Estimate 3% back for 12 months 3% cash back for 12 months on up to $20K in purchases No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Fidelity Rewards Visa ➥More ⓘ $0 1st Yr Value Estimate None There is currently no welcome bonus offered. No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: $100 back after $1K in first 3 months
Costco Anywhere Business Visa ➥More ⓘ $0 1st Yr Value Estimate No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Costco Anywhere Visa ➥More ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Huntington Voice ➥More ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Alliant Cashback Visa Signature Card ➥More ⓘ $0 1st Yr Value Estimate None This card no longer features a first-year bonus. No Annual Fee First Year, Then $99 Join Alliant by donating at least $10 to Foster Care to Success Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Venmo Credit Card ➥More ⓘ $0 1st Yr Value Estimate Up to 6% back Through 12/31/21, earn 6% cash back on your eligible top spend category, 4% on the next, and 2% on all other purchases No Annual Fee After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
UBS Cash Rewards Visa Business ➥More ⓘ $-50 1st Yr Value Estimate $150 (call to apply) $150 after $5,000 spend in 3 months $150 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.

Top 10 Redeemable for Cash Offers

Many cards earn points that are easily redeemed for cash where one point equals one cent. This includes cards that earn Chase Ultimate Rewards, US Bank FlexPerks / Altitude points, Wells Fargo Go Far Rewards, and Citi ThankYou Rewards. With Citi points, cashing out for 1 cent per point requires requesting a check to pay for a mortgage or student loan. The Citi Prestige card is an exception since it allows a direct cash out at 1 cent per point.

The cards listed below offer points that are more valuable when used towards travel. As a result, our estimated first year value (which uses enhanced travel value of points) is not a good measure for this post.

In order to understand how valuable each of the below offers is, convert the number of points to cash back, in your head by following this pattern (replace the “K” with a zero and add a dollar sign):

25K points = $250
50K points = $500
60K points = $600
80K points = $800
100K points = $1,000

Since the first year value estimates use point values based on travel value, Please use the estimates shown below only as relative indicators of which offers are best for cash back. However, if you think you are likely to use the points for travel, then the shown estimated values may be useful to you.

Top 10 offers are shown. Press “Next” to see more.

Card Offer
Chase Sapphire Preferred Card ➥More ⓘ $1345 1st Yr Value Estimate 100K Points 100K after $4K spend in 3 months $95 Annual Fee Recent better offer: None. This is the best we've seen.
Chase Ink Business Preferred Card ➥More ⓘ $1180 1st Yr Value Estimate 100K points 100K after $15K spend in 3 months $95 Annual Fee See: How to sign up for Chase Ink cards Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement
Chase Ink Business Unlimited ➥More ⓘ $1069 1st Yr Value Estimate 75K points 75K after $7.5K spend in 3 months No Annual Fee See: How to sign up for Chase Ink cards Recent better offer: None. This is the best we've seen.
Chase Ink Business Cash Credit Card ➥More ⓘ $1013 1st Yr Value Estimate 75K points 75K after $7.5K spend in 3 months No Annual Fee See: How to sign up for Chase Ink cards Recent better offer: None. This is the best we've seen.
Citi Premier Card ➥More ⓘ $1003 1st Yr Value Estimate 80K points 80K after $4K spend in 3 months $95 Annual Fee Recent better offer: None. This is the best we've seen.
Chase Freedom Unlimited ➥More ⓘ $840 1st Yr Value Estimate 20K points + 5X grocery + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Chase Freedom Flex ➥More ⓘ $840 1st Yr Value Estimate 20K points + 5X grocery + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
U.S. Bank Altitude Reserve Visa Infinite Card ➥More ⓘ $608 1st Yr Value Estimate 50K points 50K after $4.5K spend in 90 days $400 Annual Fee
Chase Sapphire Reserve Card ➥More ⓘ $605 1st Yr Value Estimate 60K Points 60K after $4K spend in 3 months $550 Annual Fee
U.S. Bank FlexPerks® Gold American Express® card ➥More ⓘ $335 1st Yr Value Estimate 30K points 30K after $2K spend in 4 months $85 Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi Custom Cash Card ➥More ⓘ $278 1st Yr Value Estimate 20K points 20K points after $750 spend in the first 3 months No Annual Fee Alternate offer: There is an in-branch offer for $300 / 30K points after $1K spend in the first 3 months that was originally scheduled to expire but has been extended without a clear end date. If you live near a branch, it may be worth calling to see if they have this offer available. Recent better offer: None
Citi Rewards+ Card ➥More ⓘ $267 1st Yr Value Estimate 20K points 20K points after $1.5K spend in 3 months No Annual Fee
Citi Business ThankYou Card ➥More ⓘ $244 1st Yr Value Estimate 20K miles 20K after $2K spend in 3 months No Annual Fee This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AT&T Access Card ➥More ⓘ $202 1st Yr Value Estimate 15K points + $100 statement credit 15K ThankYou Points after $1K Spend in 3 Months + $100 statement credit after $250 in AT&T purchases in the first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi Double Cash Card ➥More ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee Recent better offer: None

Advertiser and Refer-A-Friend Disclosure

Many of the card offers that appear on this site are from companies from which Frequent Miler receives compensation. Please see our full advertiser disclosure here. And, some offers are friend referrals in which we will earn points or other rewards in exchange for successfully referring you through the link shown here.

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