Top Cash Back Credit Cards 2021 – Review New Offers and Deals

Cash Back Credit Cards are among the most competitive and highly sought after by consumers. This year we saw major card companies expand on the depth of the cash back promotions to feature rotating bonus opportunities by shopping at select retail stores, visiting online sites and tiered levels for restaurants an grocery stores. In 2021, it is all but certain that the level of competition for consumers who are searching for cash back credit cards will increase, which should elevate the promotions and offers in this category for the entire year.

best cash back cards for 2021

Guide to the top rated cash back cards in 2021 – Top Cash Back Cards for The New Year

Rewards credit cards are credit cards that allow you to earn cash back when you swipe the card for your purchases at a store. These cash back rewards can be redeemed at anytime you want. You need to have a credit score of 690 – 850 in order to get approved for a cash back rewards card.
A Quick Guide to Finding the Top Cash Back Credit Card Offers
Cash back credit card offers are a dime a dozen these days, but if you’re careful about how you choose yours, you can yield considerably favorable results. Since you likely spend frequently with your plastic anyway, why not get a little something back in return?

New For 2021! An Amazing 3% Cash Back Rewards Card – Get Full Details and See our In-Depth Review

Beating the Averages

Most cards give you one percent cash back on your annual purchases and beating that deal can get complicated. Some offer as much as five percent if you buy certain items or buy from categories that change, provisional to substantial spending. The best way to find the top cash back credit card and get it to really work for you is to really work its terms. Know what they are in advance and plan your spending around them without exception.

Review the Top New Cash Back Card Offers On Chase, Barclay, Citigroup, Capital One and American Express Cards in 2021 To Get The Best Deals

Categories and Expiration

Many cash back rewards are exclusive to purchases made in certain categories, such as gas and dining. It’s a good idea to think ahead about how you will meet the conditions of the card, because you can end up saving a lot of money and earning your rewards at the same time. Also, taking note of when your bonuses expire is a good idea. Although most give you plenty of time, you want to use them on your own terms, and not be rushed about it.

Strings Attached to Bonuses

The sign-on bonus for cash back credit cards should be examined carefully. Most cards stipulate that you must meet a minimum purchase amount or they limit your opportunities with bonuses to the first few months after issue. The minimum amount can be as high as a few thousand dollars and you must spend that much in three months or less. A minority of cards will allow you to earn the bonus simply for completing your first purchase.

Earnings Cap
Many cash back rewards credit cards limit the amount consumers can earn in any given year. While this makes a lot of sense for the credit card companies, it can be disappointing to you, the card bearer. If, for example, you calculate an annual cash back bonus based on advertised rates alone, you may be expecting to earn a lot more than what is allowed. Most of these deals end up being favorable, just not as favorable as you might like.

Invest in Research
While cash back credit cards have a lot to offer you, if you fail to read the fine print on every prospect, you may not end up with the best deal. Research the cards by making your own chart based on spending requirements and stipulations to avoid the dizzying double talk. Knowing exactly what each card offers you and restricts you to is the best and only way to find the one that will work best for you.

Finding the top cash back credit card offer should pay off handsomely for you, by rewarding you for what you do anyway, which is buy things. Choose a card that complements your consumer profile and find yourself ahead in the spending game.

American Express Cards

Amex EveryDay® Credit Card
American Express® Green Card
Blue Cash Everyday® Card
Blue Cash Preferred® Card
Gold Delta SkyMiles® Credit Card
Hilton HHonorsTM Card from American Express
Platinum Card® from American Express
Platinum Delta SkyMiles® Credit Card
Premier Rewards Gold Card

Read Full Reviews or Apply Online For A Top Rated Card

Bank Cash Rewards™
Bank Travel Rewards®
Bank Better Balance Rewards™
Bank Cash Rewards™ Students
MLB® credit card
Royal Caribbean®

Read Full Reviews and See New Promotional Card Offers up to 4%

Barclay Credit Cards

Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard CashForward™ Mastercard
Barclaycard Rewards MasterCard®
Barclaycard Ring MasterCard®
Barclaycard Visa® with Apple Rewards Card
Hawaiian Airlines® Business MasterCard®

Read In-Depth Reviews or Apply Online For A Cash Back Card Offer

Capital One

Journey® Student Rewards
Quicksilver® Rewards
QuicksilverOne® Rewards
Spark® cash back rewards
Spark® miles rewards
Venture® Rewards
VentureOne® Rewards

Read Full Reviews On All Chase Cash Back Cards

Chase Rewards
Chase Freedom
Chase Ink Cash
Chase Ink Plus
Chase Sapphire Preferred
Chase Slate
Disney Premier Visa
Marriott Rewards
The Ritz-Carlton Rewards
Southwest Airlines
United MileagePlus

More Cards With Top Promotions Including Rotating Cash Back Categories


Citi® / AAdvantage® Platinum Select® MasterCard®
Citi® / AAdvantage® Gold MasterCard®
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
Citi® Diamond Preferred® Card
Citi® Double Cash Card
Citi® Hilton HHonorsTM Visa Signature®
Citi Prestige® Card
Citi Simplicity® Card
Citi ThankYou® Preferred Card
Citi ThankYou® Preferred Card for College Students

See All Cash Back Cards from 1 to 4% Promotions


PenFed Premium Travel Rewards American Express® Card
PenFed Platinum Rewards VISA Signature® Card
PenFed Promise Visa® Card
PenFed Gold Visa® Card

Read Full Reviews or Apply Online For A Top Rated Card

top rewards and cash back credit cards

The following are the top 5 cash back rewards credit cards for 2021

1. Chase Freedom
Chase Freedom offers 5% cash back when you spend money on rotating categories. When your balance reaches a minimum of $500, you will be rewarded with a $150 cash back sign up bonus. To redeem the cash back bonus, you must opt in for the bonus category. Chase Freedom is ideal for people who want to apply a card that give them optimal cash back.

2. American Express Blu Cash Preferred Card

American Express Blu Cash Preferred Card is an every day rewards card that offers up to 6% cash back for grocery shopping. You will keep on getting reward with the 6% cash back until you have spent $6,000. Purchases made at a local gas station will get you a 3% cash back reward. It is worthwhile to sign up for the Blu Cash Preferred Card if you use the card to spend over $1,600 annually.

3. Citi Double Cash Card

Citi Double Cash Card offers 2% cash back rate but you only get 1% cash back instantly credited into your account when your card is swiped. The other 1% cash back will be credited to your account when you settle the repayment for the balance of the card in full. The cash back can be redeemed as a statement credit or in the form of a gift card. You can also request that they send the cash back rewards via check.

4. Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® card is an impressive cash back card offering 1.55 on all purchase. This is a great option for using at local restaurants, online stores and gas stations. The card is great for consumers who love cards without annual fees and carries some impressive sign up offers to get started with an amazing bonus card today!

5. Capital One Quicksilver Cash Rewards

Capital One Quicksilver Cash Rewards credit card offers great options for cash back. It’s consistently among the top cash back card offers and borrowers love the customer services and perks that come with using a Capital One credit card.

Upromise World Mastercard
Citi Thank You Preferred Card
Citi Dividend Platinum Select Card
American Express Costco Card
Chase Saphire Card