Geeky Insights:

Best Cash Back Credit Cards - June 2020

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DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.

Best for: Bonus rewards: Quarterly categories + cash-back match

Discover it® Cash Back

Discover it® Cash Back

Overall Rating:
(5.0/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 14 months
  • Transfer Intro APR: 0% for 14 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Regular APR: 11.99% - 22.99% (Variable Rate)
Compare Card Apply Now on Discover Bank's website
Overall Rating
(5.0)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
0% for 14 months
Regular APR
11.99% - 22.99%
Rewards Rate
1 - 5% Cash Back
Rewards Bonus
None
Reward Details:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
Geeky Insight:
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
+ SHOW MORE DETAILS

Best for: Flat-rate cash back+ High ongoing rate

Citi® Double Cash Card 18 month BT offer

Citi® Double Cash Card 18 month BT offer

Overall Rating:
(4.6/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: N/A | Transfer Fee: 3% (min $5)
  • Regular APR: 13.99% - 23.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.6)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
13.99% - 23.99%
Rewards Rate
2% Cash Back
Rewards Bonus
None
Reward Details:
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
Geeky Insight:
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Best for: All around cash back rewards + costco perks

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Overall Rating:
(4.9/5)
Geeky Insight:
  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A | Transfer Fee: 3% (min $5)
  • Regular APR: 15.24% - 15.24% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.9)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.24% - 15.24%
Rewards Rate
1 - 4% Cash Back
Rewards Bonus
None
Reward Details:
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Geeky Insight:
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.
+ SHOW MORE DETAILS

Best for: Unlimited Cash Back + Low Intro APR

American Express Cash Magnet® Card

American Express Cash Magnet® Card

Overall Rating:
(4.7/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months | Transfer Fee: 3% (min $5)
  • Regular APR: 12.99% - 23.99% (Variable Rate)
Compare Card Apply Now on American Express's website
Overall Rating
(4.7)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
12.99% - 23.99%
Rewards Rate
1.5% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
  • No Annual Fee.
+ SHOW MORE DETAILS

How The Best Cash Back Cards Compare

Overall Rating

Best For

Rewards Bonus

Rewards Rate

Annual Fee

(5.0)

Bonus rewards: Quarterly categories + cash back match

None
1 - 5% Cash Back
$0
(4.6)

Flat-rate cash back + High ongoing rate

None
2% Cash Back
$0
(4.9)

All around cash back rewards + Costco perks

None
1 - 4% Cash Back
$0
(4.7)

Unlimited cash back + low intro APR

$150
1.5% Cash Back
$0

OTHER GEEKY PICKS

From Our Editors

Best for: Delta Loyalist With No Annual Fee

The Delta SkyMiles® Blue American Express Card is a no-annual-fee rewards card that’s best for people with good credit or better who want to save extra at restaurants and on their Delta flights. This card will give you 2 miles per $1 in eligible restaurant and Delta purchases, compared to 1 mile per $1 on all other purchases. New cardholders who spend $500 in the first three months after opening an account also get 10,000 miles, worth roughly $127 in Delta airfare, per our calculations. Plus, the Blue Delta SkyMiles Credit Card provides a 20% statement credit after eligible in-flight purchases: food, beverages and headphones.

Best Cash Back Credit Cards of June 2020

Gain some clarity on the best business credit cards with our geeky insight.

Best for: Bonus rewards + quarterly categories + cash back match

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.

Geek Point Of View:

APPLY ON THE LINK BELOW:

Best for: Flat-rate cash back + High ongoing rate

Rewards Rate

2% Cash Back

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.

Geek Point Of View:

Best for: All around cash back rewards + Costco perks

Rewards Rate

1 - 4% Cash Back

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Geek Point Of View:

APPLY ON THE LINK BELOW:

Best for: Unlimited cash back + low intro APR

Rewards Rate

1.5% Cash Back

Rewards Bonus

$150

Annual Fee

$0

Rewards Details:

  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
  • Terms Apply.

Geek Point Of View:

APPLY ON THE LINK BELOW: