Cash Back

card_name

Cash Back Structure:

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% cash back on select U.S. streaming subscriptions.
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 3% cash back at U.S. gas stations.
  • 1% cash back on all other purchases.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • High Cash Back on Supermarkets and Streaming: The 6% cash back at U.S. supermarkets makes this card particularly valuable for families or individuals who spend heavily on groceries.
  • Flexible Cash Back Redemption: Cash back is received in the form of Reward Dollars that can be redeemed for statement credits, gift cards, or merchandise.
  • Purchase Protection: Offers protection against theft or damage for eligible purchases made with the card.
  • Access to American Express Offers: Cardholders can access exclusive offers and discounts at various retailers and services.

Who Should Get It: card_name is best suited for individuals or families who spend significantly at supermarkets and on streaming services. The high cash back rates in these categories can outweigh the annual fee, especially for those who maximize their grocery spending.

Drawbacks: The annual_fees annual fee, though waived for the first year, may be a consideration for those who do not spend enough in the bonus categories. Additionally, the 6% cash back on groceries is capped at $6,000 annually, meaning any spending beyond that will earn only 1%.

card_name

Cash Back Structure:

  • 5% on travel purchases made through the Chase Ultimate Rewards® portal.
  • 3% on dining, including takeout and delivery.
  • 3% on drugstore purchases.
  • 1.5% on all other purchases.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • Chase Ultimate Rewards® Integration: Points earned can be combined with cards like the Chase Sapphire Preferred® or Sapphire Reserve®, enhancing their value when redeemed for travel.
  • No Category Restrictions for 1.5% Cash Back: Every purchase outside the bonus categories earns 1.5%, which is higher than the standard 1% offered by many other cards.
  • Flexible Redemption Options: Cash back can be redeemed for statement credits, direct deposits, or travel bookings, providing flexibility in how you use your rewards.
  • Purchase Protection: Offers protection for eligible purchases against theft or damage, providing added security for cardholders.

Who Should Get It: card_name is best for individuals who value flexibility in their cash back rewards and want to maximize earnings on everyday purchases, especially dining and travel booked through the Chase portal. The integration with Chase Ultimate Rewards® adds significant value for those who also have other Chase cards.

Drawbacks: Travel rewards are tied to the Chase Ultimate Rewards® portal, which means users may not have the same flexibility as direct booking. Additionally, those who spend heavily in specific categories may find other cards offer higher rewards in those areas.

card_name

Cash Back Structure:

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply.
  • 1.5% cash back on every purchase, everywhere, with no limits.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • Unlimited Cash Back: The straightforward 1.5% cash back on all purchases makes it easy to earn rewards without worrying about rotating categories or spending limits.
  • No Foreign Transaction Fees: Ideal for travelers, as there are no additional fees for purchases made outside the U.S.
  • Flexible Cash Back Redemption: Cash back can be redeemed as a statement credit, a check, or for gift cards, providing flexibility in how you use your rewards.
  • Purchase Protection: Offers protection against theft or damage for eligible purchases made with the card.

Who Should Get It: card_name is ideal for individuals seeking a simple, straightforward cash back card with a decent earning rate on all purchases. It’s perfect for those who want to earn cash back without the hassle of rotating categories or complicated redemption processes.

Drawbacks: The 1.5% cash back rate is lower than some competitors that offer higher rates in specific categories. Additionally, while the card has a solid cash back structure, it lacks more extensive travel benefits or rewards features found in premium cards.

card_name

Cash Back Structure:

  • 8% Cash Back on Capital One Entertainment purchases.
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
  • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% cash back on all other purchases.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • High Rewards for Foodies and Entertainment Lovers: The 3% cash back on dining and entertainment makes this card particularly attractive for those who frequently dine out or enjoy going to events.
  • No Foreign Transaction Fees: Great for international travelers, as there are no additional fees for purchases made outside the U.S.
  • Flexible Cash Back Redemption: Cash back can be redeemed for statement credits, checks, or gift cards, allowing flexibility in how you use your rewards.
  • Anniversary Bonus: Earn 10% back on your cash rewards if redeemed for travel through Capital One Travel.
  • Purchase Protection: Offers protection against theft or damage for eligible purchases made with the card.

Who Should Get It: card_name is ideal for individuals who frequently dine out, enjoy entertainment, or subscribe to streaming services. The high cash back rates in these categories make it a great fit for those who want to maximize their rewards in areas where they spend the most.

Drawbacks: The annual_fees annual fee, while waived in the first year, may be a consideration for those who do not spend enough in the bonus categories to justify the cost. Additionally, the card may not be as beneficial for those who do not dine out or engage in entertainment activities frequently.

card_name

Cash Back Structure:

  • 3% cash back on the first $6,000 spent annually at U.S. supermarkets (then 1%).
  • 2% cash back on U.S. gas station purchases.
  • 2% cash back on select U.S. department store purchases.
  • 1% cash back on all other purchases.

Annual Fee: annual_fees

Sign-Up Bonus: bonus_miles_full

Key Features:

  • No Annual Fee: Enjoy earning cash back without the burden of an annual fee, making it an excellent option for budget-conscious consumers.
  • High Cash Back at Supermarkets: The 3% cash back on U.S. supermarket purchases is beneficial for families or individuals who frequently shop for groceries.
  • Flexible Cash Back Redemption: Cash back is received in the form of Reward Dollars that can be redeemed for statement credits, gift cards, or merchandise.
  • Access to American Express Offers: Cardholders can take advantage of exclusive offers and discounts at various retailers and services.

Who Should Get It: card_name is best suited for individuals or families who want to earn cash back on everyday spending, particularly at supermarkets and gas stations, without incurring an annual fee.

Drawbacks: The 3% cash back on groceries is capped at $6,000 annually, meaning any spending beyond that will earn only 1%. Additionally, while it offers solid rewards for supermarkets and gas, it may not be as beneficial for those who spend heavily in other categories.