Best Cash Back Credit Cards of 2017
It's pretty obvious we're obsessed with points and miles here at Brad's Deals. However, we understand that many of our readers' core focus when it comes to credit cards is getting cash back savings on their everyday purchases. Lucky for them, we know a thing or two about that, too!
There are many cash back cards out there, but we think these ones are the best on the market. Here are our picks for the best cash back credit cards of 2017.
The Best Cash Back Credit Cards of 2017
|Credit Card||Cash Back Bonus|
|Fidelity® Rewards Visa Signature® Credit Card||2% Cash Back||Apply|
|Citi® Double Cash Card||1% Cash Back, Plus 1% Cash Back After Paying Bill||Apply|
|Barclaycard CashForward™ World MasterCard®||1.5% Cash Back after Redemption||Apply|
|Chase Freedom Card||5% Cash Back Categories||Apply|
|Chase Freedom Unlimited Card||1.5% Cash Back||Apply|
|2.5% Cash Back (with $1,000 direct deposit)||Apply|
Fidelity® Rewards Visa Signature® - 2% unlimited cash back Card
Our first pick for best cash back credit cards of 2017 is the Fidelity® Rewards Visa Signature®Card. Those with a Fidelity trading account can earn 2% unlimited cash back on every purchase when they transfer their cash back into their account. Once it's in there, you can transfer it into your regular checking account, or leave it if you wish. There's also no annual fee on the card, and it comes with standard Visa Signature benefits, like lost luggage protection, auto collision damage waiver, and more. This is the best no-hassle card on the market for everyday cash back.
Fidelity® Rewards Visa Signature®Card Highlights
- 2% unlimited cash back on every purchase
- Visa Signature benefits
- No annual fee
Citi® Double Cash Card - 1% Cash Back, plus 1% cash back when you pay your bill
The Citi® Double Cash Card is another strong cash back card. You'll earn 1% cash back on every purchase, plus an additional 1% cash back for every dollar spent when you pay your bill. Essentially, if you pay your bills on time, you'll be earning 2% cash back. Additionally, this card has a 0% APR period of 18 months for balance transfers (13.99-23.99% APR after that), but keep in mind those transfers do not earn cash back rewards. If you're ever late on a payment, there's a one-time waiver of the late fee. All cash back spending is unlimited, and there is no annual fee.
Citi® Double Cash Card Highlights
- 1% cash back on every purchase, then 1% cash back when you pay your bill
- 0% APR period of 18 months for balance transfers (13.99-23.99% after that)
- No annual fee
Barclaycard CashForward™ World MasterCard® - 1.5% cash back after redemption
We like the Barclaycard CashForward™ World MasterCard® because it combines a sign up bonus, a powerful everyday spending bonus, and and additional 0% introductory APR benefit. The card features 1.5% cash back on every purchase. Plus, you'll receive a 5% bonus on your cash back when you redeem your reward (you must earn $50 to redeem), making the effective rate 1.575% cash back on every dollar spent. There's a $200 bonus for spending $1000 in the first 90 days after account opening.
Barclaycard CashForward™ World MasterCard® - 1.575% Highlights
- $200 sign-up bonus for spending $1000 in the first 90 days
- 1.5% cash back, plus a 5% bonus on your cash back when you redeem
- No annual fee
Chase Freedom Card - 5% cash back in rotating categories
The Chase Freedom card is featured on quite a few of our "best of" lists, and that's because it features a rotating 5% cachback on a rotating set of quarterly categories. In the past, we've seen 5% cash back on gas purchases, movie tickets, Amazon.com, and more. Keep in mind, this 5% cash back is limited to $1,500 per quarter; after that, it drops to just 1% cash back per dollar. If you have a Chase Sapphire Preferred or Reserve Card, you could increase your bonus by transferring your cash back into Ultimate Rewards points at a 1 cent per point ratio, which you can use for transferring to travel partners like Hyatt and United. There's no annual fee. To learn more about Ultimate Rewards points, click here.
Chase Freedom Card Highlights
- 5% cash back in a rotating list of categories
- 1% cash back on everything else
- $150 bonus when you spend $500 in three months
Chase Freedom Unlimited Card - 1.5% cash back
Similar to its sister card highlighted above, the Chase Freedom Unlimited Card offers 1.5% cash back on every purchase. There are no categories to remember with this card, and you can increase your bonus in a similar manner when you utilize an Ultimate Rewards earning credit card. There's a $150 sign up bonus when you spend $500 in three months, and no annual fee.
Chase Freedom Unlimited Card Highlights
- 1.5% cash back on every purchase
- $150 sign up bonus for spending $500 in three months
- No annual fee
Limitless™ Cashback Rewards Visa Signature® Card - 2.5% cash back
If you're a USAA member (and you can check your eligibility here), this is by far the best offer on this list. The Limitless™ Cashback Rewards Visa Signature® Card offers 2.5% cash back on every purchase, unlimited, as long as you direct deposit $1,000 into a USAA checking account each month. That's major savings, and the best offer we could find on the market. Plus, there's no annual fee, and no foreign transaction fees. If you're a USAA member, you will definitely want to use this credit card. Keep in mind, the card is currently available in these states:
- AL, AR, AZ, CO, CT, FL, GA, HI, ID, IL, IN, KS, LA, MD, MI, MN, MT, ND, NM, NV, NY, OR, PA, RI, SC, TN, TX and WA
Limitless™ Cashback Rewards Visa Signature® Card Highlights
- 2.5% Cash Back on Every Purchase with Monthly $1,000 Direct Deposit into a USAA Checking Account
- No Annual Fee
- No Foreign Transaction Fees