BEST CASH BACK CREDIT CARDS
NOVEMBER 2019

Find a cash back credit card that suits your needs and start earning cash on every purchase you make.

UPDATED FOR NOVEMBER 2019
SCORE
FEATURES
MIN CREDIT SCORE
9.5

  • Intro APR: Not Available
  • Regular APR: 17.99% - 24.99% Variable APR
  • Annual Fee: $95
690

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
9.1

  • Intro APR: 0% on Purchases and Balance Transfers for 15 months
  • Regular APR: 16.24% - 26.24% Variable APR
  • Annual Fee: $0 for the first year, then $95
690

Capital One® SavorOne® Cash Rewards Credit Card

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
8.0

  • Intro APR: Not Available
  • Regular APR: 17.74%, 23.74% or 28.49% variable based on your creditworthiness
  • Annual Fee: $0
690

Uber Visa Card

  • Earn $100 after spending $500 on purchases in the first 90 days
  • 4% back on restaurants, takeout, and bars, including Uber Eats
  • 3% back on airfare, hotels, and vacation home rentals
  • 2% back on online purchases including Uber, online shopping, video and music streaming services
  • No annual fee
  • Up to a $50 statement credit for online subscription services after you spend $5,000 on your card per year
  • Up to $600 in mobile phone protection including damage and theft when you use your Uber Visa Card to pay your monthly mobile phone bill

Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

FAQ's About Credit Cards

Despite the fact that credit cards are extremely common and easy to use, there are many features and conditions which may be new to some people. If you're looking for more information on credit cards check out our credit card FAQs to learn more.

Before committing to a credit card, ask yourself why you need this? You will want to analyze your spending habits and ensure you can make your monthly payments on time to avoid penalty fees. Areas to consider when comparing credit cards include APR, annual fees, loyalty schemes, introductory offers, and cashback.
You may want to apply for a new credit card if you feel your current card does not deliver the best results. Whether a lack of rewards, high-interest rates, or an unpleasant annual fee in which you do not receive any benefits. Many companies reward their customers for spending so ensure you are receiving yours. You may receive offers for better deals elsewhere and wish to take advantage of their generous sign-up bonuses.
For your convenience, the internet provides an excellent source for comparing almost anything these days. If unsure which credit card is best for you, simply browse the web for comparison sites which will outline the top credit cards on the market and their features. This allows you to explore what applies to your needs and which option will be most beneficial for you and your spending.
Generally, there is no legal limit on the number of credit cards an individual can have. However, owning too many may flag a warning sign for some issuers. It's best advised to look at your financial situation and only open up a credit card if you essentially need to, as having too many may affect your credit score.
Some companies have a high approval rate, even for those with low credit. These secured credit cards allow individuals to build up damaged credit by responsibly spending and making all of their repayments on time. Look for issuers specifically for this reason.
When applying for a credit card, you should consider the available benefits such as an introductory offer, cash back on purchases, discounts, rewards, and insurance options. For those who enjoy travel, many credit card issuers offer air travel miles, flight extras, or hotel points for complimentary nights.
APR stands for annual percentage rate and refers to the annual interest rate charged on your credit card. Actual APR numbers vary but will usually cap at around 25%. The APR of your credit card will depend on various factors such as credit score, income, and financial history.
All credit cards have an APR, annual percentage rate. This refers to the interest rate that applies to your monthly statements. If you have any balance on your credit card and carry it over to the next month, your APR will be applied, and you will be charged accordingly. APR differs for every credit card issuer and each application, depending on contributing factors such as credit scores.