3 Best Cash-Back Credit Cards for July

A woman happy with her credit card rewards holding her credit card and using a laptop at home
Photo by TORWAISTUDIO / Shutterstock.com

Money Talks News has partnered with CardRatings for our coverage of credit card products. Money Talks News and CardRatings may receive a commission from card issuers.

It’s always good to get more for your money. In leaner times, it’s essential.

With the pandemic showing no signs of relenting, now’s the time to look for every bit of savings you can find, and one of the best ways might be a new cash-back rewards card that can ensure you’re saving more on all of your everyday purchases.

Here are our favorite cash-back cards available right now.

Citi Double Cash

Why we like it: As the name implies, the Citi Double Cash card gets you cash back coming and going. First, you earn 1% cash back on every purchase, then you earn another 1% cash back when you pay for those purchases.

What to know:

Citi Double Cash credit card
Citibank
  • Get a total of 2% cash back on every purchase.
  • No limits or caps on cash back
  • No confusing categories; everything earns cash back.
  • No annual fee
  • Get an introductory 18 months of 0% interest on balance transfers.

Note: Balance transfers don’t earn cash back, and this card charges a balance transfer fee of 3% or $5, whichever is greater. If you transfer a balance, you’ll need to pay your entire balance monthly to avoid interest on purchases.

Chase Freedom Unlimited

Why we like it: The Chase Freedom Unlimited card is another solid option for general cash-back rewards, offering a flat 1.5% cash back on every purchase plus a $200 bonus after you spend $500 within the first three months.

What to know:

Chase Freedom Unlimited credit card
Chase
  • Get 1.5% cash back on every purchase.
  • No expiration on cash-back rewards
  • No confusing categories; everything earns cash back.
  • No annual fee
  • 0% introductory APR on purchases for 15 months

Note: This card has a 3% foreign transaction fee, so plan accordingly for international travel.

Credit One Bank Unsecured Visa with Cash Back Rewards

Why we like it: The Credit One Bank Unsecured Visa with Cash Back Rewards doesn’t require excellent credit, making it possible to earn a respectable 1% cash back on eligible purchases while building credit.

What to know:

Credit One Bank Unsecured Visa with Cash Back Rewards credit card
Credit One Bank
  • Get 1% cash-back rewards automatically on eligible purchases.
  • Get a free Experian credit score.
  • Get automatic account reviews for credit line increases.

Note: This card may have an annual fee of up to $99.

Click here for more details on these cards and to compare them with other offers.

Looking for something else in a credit card? Use our credit card search tool to find the best card for you, no matter what you need or where you’re at.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

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