Cash-back credit cards
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Cash-back credit cards: 22 current offers are compared, including personal and business cards; some have variable, conditional or unconfirmed bonuses the estimates leave out, so the order is a starting point rather than a like-for-like ranking. Among cash-back credit cards with a confirmed value, Capital One Spark Cash Plus for Business has the highest estimated first-year value after fees at $1,850, using cash redemption. The lowest annual fee among cash-back credit cards is $0. Opening any of the 13 personal cards compared for cash-back credit cards adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
Compare redemption minimums, spending caps and the annual fee against your normal spending. Carrying a balance can cost more than the rewards you earn.
Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rankCash Back: 22 available offers, ordered by conditional cash value after fees.
Offers for Cash Back to compare
1. Capital One Spark Cash Plus for Business
Welcome offer: $2,000 cash bonus. Annual fee: $150. Terms apply.
First-year value after fees (cash redemption), estimated: $1,850.
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2. Capital One Spark Cash for Business
Welcome offer: $1,000 cash bonus. Annual fee: $95. Terms apply.
First-year value after fees (cash redemption), estimated: $905.
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3. Chase Ink Business Premier
Welcome offer: $1,000 bonus cash back. Annual fee: $195. Terms apply.
First-year value after fees (cash redemption), estimated: $805.
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4. Capital One Spark Cash Select for Business
Welcome offer: $750 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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5. Chase Ink Business Cash
Welcome offer: $750 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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6. Chase Ink Business Unlimited
Welcome offer: $750 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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7. U.S. Bank Business Triple Cash Rewards
Welcome offer: $750 cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $750.
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8. Bank of America Business Advantage Unlimited Cash Rewards
Welcome offer: $500 statement credit. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $500.
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9. American Express Blue Business Cash
Welcome offer: $250 statement credit. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
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10. Bank of America Unlimited Cash Rewards
Welcome offer: $250 cash rewards. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
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11. Chase Freedom Flex
Welcome offer: $250 bonus cash back (25,000 points redeemable for $250). Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
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12. Bank of America Customized Cash Rewards
Welcome offer: $200 cash rewards. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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13. Capital One Quicksilver Cash Rewards
Welcome offer: $200 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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14. Capital One Savor Cash Rewards
Welcome offer: $200 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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15. Chase Freedom Unlimited
Welcome offer: $200 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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16. Citi Double Cash
Welcome offer: 20,000 ThankYou points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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17. Discover it Cash Back
Welcome offer: $200 statement credit after $500/3 months + unlimited first-year Cashback Match. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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18. U.S. Bank Cash+ Visa Signature
Welcome offer: $200 cash back. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
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19. Wells Fargo Active Cash Card
Welcome offer: $100 cash rewards. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $100.
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20. American Express Blue Cash Everyday
Welcome offer: As high as $200 cash back in Reward Dollars, redeemable as a statement credit. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $0.
Bonus up to $200 with conditions. This ceiling is excluded from the estimate.
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21. OpenSky Secured Visa
Welcome offer: $20 statement credit after same-day approval and funding of at least $300 (security deposit, not purchase spending). Annual fee: $35. Terms apply.
First-year value after fees (cash redemption), estimated: -$15.
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22. American Express Blue Cash Preferred
Welcome offer: As high as $300 cash back in Reward Dollars, redeemable as a statement credit. Annual fee: $95. Terms apply.
First-year value after fees (cash redemption), estimated: -$95.
Bonus up to $300 with conditions. This ceiling is excluded from the estimate.
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Compare requirements and conditional value
Cash Back estimates use cash redemption, expected credit use and first-year fees; ongoing spending rewards are excluded. Terms apply.
| Card | Annual fee | Required spend | First-year value, estimated (cash) | Timing or bonus condition | Recorded details | Last checked |
|---|---|---|---|---|---|---|
| Capital One Spark Cash Plus for Business | $150 | $30,000 in 3 months | $1,850 | Capital One Spark Cash Plus for Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.Issuer terms | Network: Visa.First-year fee: $150; renewal: $150. | 2026-10-06 |
| Capital One Spark Cash for Business | $95 | $10,000 in 3 months | $905 | Capital One Spark Cash for Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Chase Ink Business Premier | $195 | $10,000 in 3 months | $805 | Chase's terms say the Chase Ink Business Premier welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $195; renewal: $195. | 2026-10-06 |
| Capital One Spark Cash Select for Business | $0 | $6,000 in 3 months | $750 | Capital One Spark Cash Select for Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Ink Business Cash | $0 | $6,000 in 3 months | $750 | Chase's terms say the Chase Ink Business Cash welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Ink Business Unlimited | $0 | $6,000 in 3 months | $750 | Chase's terms say the Chase Ink Business Unlimited welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Business Triple Cash Rewards | $0 | $6,000 in 6 months | $750 | U.S. Bank Business Triple Cash Rewards: applicants report that 5 new accounts in 12 months may make approval harder. Recent accounts may affect approval; the threshold and business scope vary.Reported by applicants | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Business Advantage Unlimited Cash Rewards | $0 | $5,000 in 3 months | $500 | Bank of America Business Advantage Unlimited Cash Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.Reported by applicants | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Blue Business Cash | $0 | $3,000 in 3 months | $250 | American Express Blue Business Cash: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Unlimited Cash Rewards | $0 | $1,000 in 3 months | $250 | Bank of America's terms say the Bank of America Unlimited Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Freedom Flex | $0 | $500 in 3 months | $250 | Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Bank of America Customized Cash Rewards | $0 | $1,000 in 3 months | $200 | Bank of America's terms say the Bank of America Customized Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Capital One Quicksilver Cash Rewards | $0 | $500 in 3 months | $200 | Capital One's terms say the Capital One Quicksilver Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Capital One Savor Cash Rewards | $0 | $500 in 3 months | $200 | Capital One's terms say the Capital One Savor Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Freedom Unlimited | $0 | $500 in 3 months | $200 | Chase's terms say the Chase Freedom Unlimited welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Citi Double Cash | $0 | $1,500 in 6 months | $200 | Citi's terms say the Citi Double Cash welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Discover it Cash Back | $0 | $500 in 3 months | $200 | Discover it Cash Back: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.Issuer terms | Network: Discover.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Cash+ Visa Signature | $0 | $1,000 in 3 months | $200 | US Bank's terms say the U.S. Bank Cash+ Visa Signature welcome offer is unavailable if you have or had the card.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Wells Fargo Active Cash Card | $0 | $500 in 3 months | $100 | Wells Fargo's terms say the Wells Fargo Active Cash Card welcome offer may be unavailable if you opened the card within the past 48 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Blue Cash Everyday | $0 | $2,000 in 6 months | $0 | American Express's terms say the American Express Blue Cash Everyday welcome offer may be unavailable if you have or had the American Express Blue Cash Preferred. Check the current offer terms; this wording varies between offers.Issuer terms | Network: Amex.First-year fee: $0; renewal: $0.Personalized bonus up to $200 with conditions; excluded from the base estimate. | 2026-10-06 |
| OpenSky Secured Visa | $35 | No purchase threshold recorded | -$15 | OpenSky Secured Visa: This OpenSky offer may be declined if you have two Capital Bank cards or an adverse prior relationship, or do not meet identity and income conditions.Issuer terms | Network: Visa.First-year fee: $35; renewal: $35. | 2026-10-06 |
| American Express Blue Cash Preferred | $95 | $3,000 in 6 months | -$95 | American Express Blue Cash Preferred: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $95; renewal: $95.Personalized bonus up to $300 with conditions; excluded from the base estimate. | 2026-10-06 |
Timing rules for the cards on this list
Application windows and account limits
Capital One Quicksilver Cash Rewards and Capital One Savor Cash Rewards: Some Capital One consumer offers may be unavailable after a recent approval or two applications within 30 days. Check the exact offer.
Capital One Spark Cash Plus for Business and Capital One Spark Cash for Business and Capital One Spark Cash Select for Business and Capital One Quicksilver Cash Rewards and Capital One Savor Cash Rewards: Applicants have reported approvals less than six months apart. Leaving more time may help, but Capital One does not publish a universal six-month ban.
Chase Ink Business Premier and Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Ink Business Premier and Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
U.S. Bank Business Triple Cash Rewards and U.S. Bank Cash+ Visa Signature: applicants report that 5 new accounts in 12 months may make approval harder. Recent accounts may affect approval; the threshold and business scope vary.
Bank of America Unlimited Cash Rewards and Bank of America Customized Cash Rewards: Applicants report limits of two Bank of America consumer approvals in two months, three in 12, and four in 24. Exceptions may occur.
Bank of America Business Advantage Unlimited Cash Rewards and Bank of America Unlimited Cash Rewards and Bank of America Customized Cash Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.
Bank of America Business Advantage Unlimited Cash Rewards: This Bank of America business offer may be declined if the same business entity currently has or held another BofA business card in the last 24 months.
American Express Blue Business Cash and American Express Blue Cash Everyday and American Express Blue Cash Preferred: Applicants report a usual five-day gap between Amex lending-card approvals. This is an observed limit, not a published guarantee. Amex usually allows no more than two lending-card approvals in 90 days. Reported exceptions do not guarantee approval. Amex usually limits applicants to five lending cards in total, including business cards. Exceptions have been reported.
Citi Double Cash: Applicants report 8-day spacing and no more than 2 Citi applications in 65 days. This is unpublished and exceptions occur.
Discover it Cash Back: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.
Wells Fargo Active Cash Card: You may not qualify for another Wells Fargo consumer card if you opened one within the last four months.
Wells Fargo Active Cash Card: Wells Fargo may consider recently opened accounts across banks. Reports conflict on a fixed 24-month cutoff.
OpenSky Secured Visa: This OpenSky offer may be declined if you have two Capital Bank cards or an adverse prior relationship, or do not meet identity and income conditions.
Welcome offers and prior-card history
Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase Freedom Unlimited welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase Ink Business Cash welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.
Chase's terms say the Chase Ink Business Unlimited welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.
Chase's terms say the Chase Ink Business Premier welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.
American Express's terms say the American Express Blue Cash Everyday welcome offer may be unavailable if you have or had the American Express Blue Cash Preferred. Check the current offer terms; this wording varies between offers.
Capital One's terms say the Capital One Savor Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Capital One's terms say the Capital One Quicksilver Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Citi's terms say the Citi Double Cash welcome offer is unavailable if you received its welcome bonus within the past 48 months.
US Bank's terms say the U.S. Bank Cash+ Visa Signature welcome offer is unavailable if you have or had the card.
Bank of America's terms say the Bank of America Unlimited Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.
Bank of America's terms say the Bank of America Customized Cash Rewards new-account application may be unavailable if you held the card within the past 24 months.
Wells Fargo's terms say the Wells Fargo Active Cash Card welcome offer may be unavailable if you opened the card within the past 48 months.
American Express Blue Business Cash: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Blue Cash Everyday: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
American Express Blue Cash Preferred: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
Chase's terms say you cannot open the Chase Ink Business Cash while you hold it.
Chase's terms say you cannot open the Chase Ink Business Unlimited while you hold it.
Capital One Spark Cash Plus for Business and Capital One Spark Cash for Business and Capital One Spark Cash Select for Business: Capital One says this bonus may be unavailable if you currently have or previously had a Capital One Business card. Verify the exact offer before counting the bonus.
Effect on Chase 5/24
Capital One Spark Cash Plus for Business is a business card that does not report to personal bureaus, so it generally does not add to Chase's 5/24 count.
Capital One Spark Cash for Business is a business card that reports to personal bureaus and can add to Chase's 5/24 count.
Chase Ink Business Premier: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Capital One Spark Cash Select for Business is a business card that reports to personal bureaus and can add to Chase's 5/24 count.
Chase Ink Business Cash: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Chase Ink Business Unlimited: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
U.S. Bank Business Triple Cash Rewards is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Bank of America Business Advantage Unlimited Cash Rewards is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
American Express Blue Business Cash is a business card recorded as not reporting to personal bureaus, so it generally does not add to Chase's 5/24 count. Confirm how your account appears on your credit report.
Bank of America Unlimited Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Freedom Flex is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Bank of America Customized Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Quicksilver Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Savor Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Freedom Unlimited is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Citi Double Cash is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Discover it Cash Back is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
U.S. Bank Cash+ Visa Signature is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Wells Fargo Active Cash Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Blue Cash Everyday is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
OpenSky Secured Visa is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Blue Cash Preferred is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Issuer terms: consider American Express Blue Cash Everyday before American Express Blue Cash Preferred because prior American Express Blue Cash Preferred history may block American Express Blue Cash Everyday's welcome offer, with no reverse restriction recorded; check the current offer terms; applicant reports also suggest checking Chase Ink Business Premier and Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited before opening Bank of America Unlimited Cash Rewards and Bank of America Customized Cash Rewards and Capital One Quicksilver Cash Rewards and Capital One Savor Cash Rewards and Citi Double Cash and Discover it Cash Back and U.S. Bank Cash+ Visa Signature and Wells Fargo Active Cash Card and American Express Blue Cash Everyday and OpenSky Secured Visa and American Express Blue Cash Preferred if Chase access matters, because another personal account can bring you to the reported 5/24 threshold.
Questions about Cash Back
What could delay a card application for Cash Back?
Capital One, Chase, US Bank, Bank of America, American Express, Citi, Discover, Wells Fargo, OpenSky applications and recent account openings can affect timing for Cash Back. Compare the issuer-specific windows with your dates; a waiting period does not establish approval.
Do credit cards for Cash Back have an application order?
American Express Blue Cash Everyday is worth checking first: earlier American Express Blue Cash Preferred history may limit that welcome offer. An application order cannot establish eligibility on its own.
Which welcome offers for Cash Back depend on earlier card or bonus history?
Chase Ink Business Cash's welcome offer may depend on whether you have or had Chase Ink Business Unlimited. Check the specific event and waiting period in the offer terms before counting a welcome bonus.