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
Capital One Spark Cash Business Credit Card ➥More ⓘ $455 1st Yr Value Estimate $500 Cash back Earn a one-time bonus: $500 after $4.5K spend in 3 months No Annual Fee First Year, Then $95 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. Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening [Expired 1/27/20]
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.
Wells Fargo Business Platinum Visa® card ➥More ⓘ $425 1st Yr Value Estimate $500 Cash Back $500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back 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.
BBVA Compass Select ➥More ⓘ $420 1st Yr Value Estimate 50K points 50K after $4K spend in 90 days No Annual Fee First Year, Then $99 Note that the terms indicate that qualifying purchases for the introductory bonus must be processed by Visa USA, so it is possible that foreign transactions will not count torward the minimum spending requirement. 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 Cash Rewards World EliteTM Mastercard ➥More ⓘ $410 1st Yr Value Estimate $500 Cash Back $500 cash back after $4500 spend in first 150 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.
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.
American Express Blue Business Cash™ Card ➥More ⓘ $350 1st Yr Value Estimate Up to $500 in statement credits Up to $500 in statement credits: Earn a $250 statement credit after $5K in purchases in the first 6 months plus an additional $250 statement credit after another $10K in purchases in the first year. 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.
Blue Cash Preferred® Card from American Express ➥More ⓘ $280 1st Yr Value Estimate $300 Back Limited-time offer: $300 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees) (Offer Expires 12/10/2020) No Annual Fee First Year, Then $95 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)
Blue Cash Everyday® Card from American Express ➥More ⓘ $280 1st Yr Value Estimate Up to $300 back 20% back on Amazon purchases for the first 6 months up to $200 back + $100 back after $1K in the first 6 months. Terms apply. (Rates & Fees) No Annual Fee Note that some people find they are targeted for an offer of up to $350 back (20% back on Amazon.com for the first 6 months up to $200 back + $150 back after spending $1K within the first six months).
TD Business Solutions Visa ➥More ⓘ $240 1st Yr Value Estimate $300 Cash Back $300 after $3K 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
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.
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.
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
Disney Visa Card ➥More ⓘ $190 1st Yr Value Estimate $200 Cash Back $200 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.
Capital One Savor One ➥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. (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.
Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit 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.
Bank of America 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.
Capital One Spark Cash Select Business Credit Card ➥More ⓘ $155 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $3,000 spend in 3 months from account opening No Annual Fee Note: Capital One Business 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.
Amazon Business American Express Card ➥More ⓘ $153 1st Yr Value Estimate Get a $125 Amazon Gift Card Eligible Prime members get a $125 Amazon.com Gift Card upon approval. 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.
ABOC Platinum Rewards ➥More ⓘ $150 1st Yr Value Estimate $150 Statement Credit $150 statement credit after $1200 in purchases within 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.
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
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.
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 Credit Card from Chase ➥More ⓘ $90 1st Yr Value Estimate $100 Cash Back $100 after $500 spend in 3 months No Annual Fee This card is believed to not be subject to 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. Recent better offer: $200 after $500 spend in 3 months
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.
Marvel MasterCard from Synchrony ➥More ⓘ $25 1st Yr Value Estimate $25 Cash Back $25 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. Recent better offer: None
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.
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.
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
Citizens Bank Cash Back Plus® World Mastercard® ➥More ⓘ $0 1st Yr Value Estimate 10% back on groceries, restaurants, and food delivery 10% back on groceries, restaurants, and food delivery (on up to $500 in purchases each month) until 5/5/21 (Offer Expires 12/31/2020) 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
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.
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
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 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.
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 $500 spend in 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 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. Recent better offer: None. This is the best offer we've seen.
Chase Sapphire Preferred Card ➥More ⓘ $745 1st Yr Value Estimate 60K Points 60K after $4K spend in 3 months $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 80K after $4K Spend (Expired 11/9/20)
Citi Premier Card ➥More ⓘ $713 1st Yr Value Estimate 60K points 60K after $4K spend in 3 months $95 Annual Fee Recent better offer: None
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 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 Visa Signature Card ➥More ⓘ $563 1st Yr Value Estimate Up to 50K bonus points 5X rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months. (that's 1x normal earnings plus 4x 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.
Wells Fargo Rewards Visa® card ➥More ⓘ $563 1st Yr Value Estimate Up to 50K bonus points 5x rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months (that's 1x normal earnings plus 4x bonus) No Annual Fee You may be able to get a 10K sign-up bonus if you are targeted or by applying in-branch. 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.
Chase Sapphire Reserve Card ➥More ⓘ $455 1st Yr Value Estimate 50K Points 50K after $4K spend in 3 months $550 Annual Fee This card is subject to Chase's 5/24 rule (click here for details).
Citi ThankYou Prestige Card ➥More ⓘ $393 1st Yr Value Estimate 50K points 50K ThankYou Rewards points after $4K spend in 3 months $495 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: 75K after $7.5K spend in 3 months
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.
Wells Fargo Propel American Express® Card ➥More ⓘ $285 1st Yr Value Estimate 20K bonus points 20K after $1K 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.
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.
Wells Fargo Cash Wise Visa® Card ➥More ⓘ $221 1st Yr Value Estimate $150 Cash Back $150 after $500 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. Alternate offer: Some people are targeted (in their online Wells Fargo account or via snail mail) for 3% cash rewards for the first year up to $30,000 spent)
Citi Rewards+ Card ➥More ⓘ $202 1st Yr Value Estimate 15K points 15K points after $1K spend in 3 months No Annual Fee
AT&T Access Card ➥More ⓘ $130 1st Yr Value Estimate 10K points 10K ThankYou Points after $1K 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.
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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