The Best Cash-Back Credit Cards – Kiplinger’s Personal Finance

Looking for a great cash-back credit card? You’re hardly alone. In a survey from personal-finance site WalletHub, 79% of people said they are most interested in earning cash-back credit card rewards, a significantly higher percentage than those who prefer rewards points or miles.

To help you in your search, we have compiled a list of great cards that provide cash back on every purchase (or reward you with points that you can easily trade for cash at a strong value).

For each card, we’ve calculated a typical annual rebate based on spending patterns in the U.S. Bureau of Labor Statistics Consumer Expenditure Survey and assuming $25,000 spent on the card annually (unless otherwise noted). For cards that do not waive their annual fee the first year, we’ve subtracted the annual fee from the cash value of the annual rebate.

Best Cards for Flat-Rate Cash Back

These cards provide simple and strong cash-back rewards on all spending. 

Wells Fargo Active Cash Visa

  • Interest rate: 0% for 15 months, then 17.24% to 27.24%
  • Annual fee: None
  • Sign-up bonus: $200 back if you spend $1,000 in the first three months
  • Typical annual rebate: $500

This card provides 2% cash back on all purchases, making it a great card to slip into your wallet if you prefer simple, straightforward rewards. Ways to redeem your cash back include as a statement credit, cash at the ATM with a Wells Fargo debit or ATM card (in $20 increments), gift cards ($25 increments), or a credit to a qualifying Wells Fargo credit card, checking account or mortgage. A nice side benefit: You get up to $600 per claim of protection for your cell phone against damage or theft if you pay your monthly wireless bill with the card. You pay a $25 deductible, and you get up to two paid claims per 12 months.

Farmers Insurance Federal Credit Union Crystal Visa

  • Website:
  • Interest rate: 0% for six months, then 14.49% to 18%
  • Annual fee: $99, waived the first year
  • Sign-up bonus: $100 back if you spend $5,000 in the first three months
  • Typical annual rebate: $750 the first year; $526 from the second year on

The first year you have this card, you’ll rake in cash back at a rate of 3% on every purchase, with no annual fee. After that, you’ll get 2.5% back—still an outstanding offer—and an annual fee of $99 kicks in. (The amount of spending that exceeds $10,000 …….


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