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If you can’t wait to get your hands on this year’s Prime Day deals but need to be certain you’re saving as much money as possible, be certain with a top cash-back rewards credit card.
Combine sweet savings with a big return on your spending, and you’ll be one happy shopper. You’ll also be in a great position to save on future purchases.
Here are the best cash-back rewards cards we recommend right now:
Citi Double Cash
Why we like it: We’ve called this “The Best Cash-Back Credit Card for Everyday Use” since it earns 1% cash back on every purchase, then earns another 1% cash back when you pay for those purchases. If you want the peace of mind that you’re earning good cash-back rewards on everything, with no gimmicks or expiration dates, this is your card.
Plus, for a limited time, you can earn points worth $200 in cash back when you make $1,500 in purchases in your first six months as a cardmember.
What to know:

- $200 cash back when you spend $1,500 on purchases in the first six months from account opening.
- 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.
Note: This card offers 18 months of 0% introductory APR on balance transfers.
Capital One Venture
Why we like it: An early spending bonus offer of 75,000 miles when you spend $4,000 within the first three months is worth $750 in travel.
What to know:

- Earn 75,000 bonus miles when you spend $4,000 in the first three months of membership.
- Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
- Earn 2 miles per dollar on every other purchase with no annual cap or expiration.
- Get up to a $100 credit on Global Entry or TSA PreCheck.
- $95 annual fee.
Note: This card has a $95 annual fee. The Capital One VentureOne card does not, but doesn’t have the same early spending bonus offer and offers a lower rate of return.
Blue Cash Everyday from American Express
Why we like it: The Blue Cash Everyday card lives up to its name as a great value all the time — but especially for new cardholders. You can earn $100 back by making $2,000 in purchases in the first six months. You can also earn 20% back on purchases made through PayPal in the first six months for up to $150 back.
What to know:

- 3% cash back on up to $6,000 in purchases at U.S. supermarkets per year, and 1% cash back after that amount.
- 3% cash back on up to $6,000 in U.S. online retail purchases per year, and 1% cash back after.
- 3% cash back on up to $6,000 in purchases per year at U.S. gas stations, and 1% cash back after.
- 1% cash back on other purchases.
- 0% introductory APR on purchases for 15 months. (See rates and fees)
- No annual fee. (See rates and fees)
Note: Cash back is redeemed as statement credits.
Chase Freedom Unlimited
Why we like it: With no annual fee to worry about, the Chase Freedom Unlimited card is a top-tier choice for grocery or general cash-back rewards, offering at least 1.5% cash back on every purchase and more in certain categories. You also earn an extra 1.5% cash back on every purchase on up to $20,000 spent in the first year. For example, that extra 1.5% would boost the 5% cash back normally available for travel up to 6.5%.
What to know:

- 5% cash back on travel-related purchases through Chase.
- 3% cash back on dining at restaurants and on drugstore purchases.
- 1.5% cash back on every other purchase.
- No expiration on cash-back rewards.
- 0% introductory APR on purchases for 15 months, then a variable rate of 17.24% to 25.99%.
- No annual fee.
Note: This card has a foreign transaction fee, so plan accordingly for international travel.
Of course, if the only thing you care about is saving on Amazon.com, the company’s own
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