If an annual fee is a deal breaker for you then the Blue Cash Everyday® Card from American Express (a CardCritics advertiser) is a fantastic choice for your cash back needs. This card offers a good balance of ongoing rewards, a welcome offer and a generous intro APR period on purchases and balance transfers. Round that out with other perks and the card member benefits that American Express is well known for and you have yourself an excellent cash back card.
Up to 3% Cash Rewards
You will earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, 3% cash back on U.S. online retail purchases on up to $6,000 per year and 3% cash back at U.S. gas stations on up to $6,000. After the category caps are hit you will earn 1% back and will also earn 1% back on all of your other eligible purchases. If you spend a lot on groceries then you should also consider the Blue Cash Preferred® Card from American Express which does have an annual fee but it is waived for the first year and it offers even more cash back on your grocery purchases and does not cap your 3% cash back at gas stations.
$200 Cash Rewards Bonus
To kick your cash back earnings into high gear you can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. You will receive your cash back in the form of statement credits.
Generous Introductory APR
As a new card holder, you’ll also get a 0% intro APR on purchases and balance transfers for 15 months, followed by a 18.74%-29.74% Variable APR. The savings can add up quickly when you aren’t paying interest for over a year. Just make sure you’re at least paying your minimum payment and budgeting to pay off your balance by the time the 15 months is up, if possible.
Make sure you check out the other great benefits American Express offers their card holders. From ticket presales to their top-notch mobile app, there is a lot to love. Select ‘Apply Now’ to view all of the details about the benefits they offer.
Blue Cash Everyday® Card from American Express
670 – 850*
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
View All Card Details Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If an annual fee is a deal breaker for you then the Blue Cash Everyday® Card from American Express (a CardCritics advertiser) is a fantastic choice for your cash back needs. This card offers a good balance of ongoing rewards, a welcome offer and a generous intro APR period on purchases and balance transfers. Round that out with other perks and the card member benefits that American Express is well known for and you have yourself an excellent cash back card. Read our in-depth Critical Analysis to learn more.Card Details From Issuer
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Other Cash Back Options
If you are in the market for a flexible cash back card without an annual fee then the Blue Cash Everyday® Card from American Express is tough to beat. Since it is always good to compare your top options, we have rounded up some other compelling cash back cards that may appeal to you as well.
Unlimited 2% Cash Back
Wells Fargo Active Cash® Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.Card Details From Issuer
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don’t expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
Wells Fargo Active Cash® Card
This card from Wells Fargo is an exciting option that also has a $0 annual fee. You will earn an unlimited 2% cash rewards on purchases which means there are no activation requirements for special categories or monthly caps to worry about. Earning 2% rewards on all of your purchases is tough to beat making it a stand out option for anyone looking for a low maintenance cash rewards card that will allow you to accumulate cash rewards really quickly. There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in purchases in the first three months after you are approved. It also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR will apply.
Excellent Cash Back Option for Poor or Limited Credit
Discover it® Secured Credit Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This no annual fee secured card allows you to earn cash back while you build your credit history. The cash back you earn your first year will also be matched automatically and they begin reviewing your account after seven months to see if you are eligible to transition to an account without a security deposit.Card Details From Issuer
- No credit score required to apply.
- No Annual Fee.
- Use your tax refund to fund your security deposit and start building your credit history. Your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Click through to Discover’s website to see terms and conditions.
Discover it® Secured Credit Card
The no annual fee Discover it® Secured Credit Card allows you to earn cash back while you build your credit history. You will Earn 2% back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. You will also earn an unlimited 1% back on all other purchases. Making it even more enticing, the cash back you earn your first year will be automatically matched. There is no credit check to apply and you establish your credit line by providing a refundable security deposit of at least $200. Discover also starts automatic reviews of your account after seven months to see if you are eligible to transition to an account without a security deposit.
As you can see, it is a great time to be in the market for a new cash back credit card. Issuers are really stepping up their game and offering incredible perks to win your business. Credit card offers like this often don’t stick around forever so we suggest applying for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
