Which cash back credit cards are best?

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Which cash back credit cards are best?
Which cash back credit cards are best?

Cash back credit cards are a great hustle. You’re getting paid just for doing spending you’d do anyways! Of course, never use them for anything other than purchases you intend to completely pay off or you’ll fall into the interest payment trap. Always pay them off on time, too. So which cash back credit cards are best?

Here we have some good US and Canadian cash back credit cards. This post isn’t sponsored, there are no affiliate links either. Just a little hustle to help you pay for groceries.

United States

CITI Double Cash (2% on everything essentially)

One of the best cash back cards there is. No worrying about “buying categories” or if the cash back rate is promotional.

Chase Freedom Unlimited (1.5% on everything)

$150 bonus if you spend $500 in the first three months. 0% interest for first fifteen months if you sign up right now.

Capital One Venture (2% when you redeem for travel)

40,000 bonus miles once you spend $3000 within the first three months. First year of annual fee waived.

Chase Freedom (1% but with 5% rotating category bonus)

$150 bonus after you spend $500 in the first three months. 0% interest for first fifteen months.

Discover IT (1% with 5% rotating category bonus)

Cash back doubled in first 12 billing cycles.

Cash back credit card infographic
Cash back credit card infographic

Canada

Scotiabank Momentum Visa Infinite (4% on groceries and gas; 2% on everything else)

$99 annual fee. A whopping 4% cash back credit card for groceries and gas make this a great choice. Visa Infinite concierge.

AMEX Simply Cash Preferred (2% permanently, 5% promo)

A solid 2% cash back but with an introductory 5% cash back up to $300. I wish it didn’t have a fee and it’s a rather hefty $99, but good if you spend a lot. Normal AMEX advantages such as front-of-the-line tickets.

MBNA Rewards World Elite Mastercard (2%)

2% cash back. $100 just for signing up. Points can be redeemed for goods as well as cash.

Sign Up Bonuses

Did you know that many cards allow you to sign up, collect the bonus, cancel, and then re-sign up six months later?

Cash Back Credit Cards

If you have any other recommendations, leave them in the comments! As always, think carefully before signing up for credit, don’t spend more than you can afford and read the terms and conditions carefully!

The Side Gig Guru received no promotional consideration from any of these credit card issuers. Errors and omissions excepted.

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