RateHerald

The full list

All cash back cards

All 148 cards on the list, to sort and filter. The list page shows the top of each ranking.

Checked Oct 12, 2026

Sorted by Yearly cash value after the first year for our typical spender (rewards and credits minus fees), highest first. Counts only cash back and points the issuer prices in cents; cards whose rewards we can’t count, or whose points have no stated cash value, come last.

  1. 1Citizens Summit World MastercardCitizensYearly value$610 a yearIntro APRNonePurchase APR17.99%
  2. 2Wells Fargo Cash Back Credit CardWells FargoWelcome offer: $100 cash back after $500 in 3 monthsOnce per 48 monthsYearly value$600 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  3. 3Credit One Bank Omni Rewards American Express® CardCredit OneWelcome offer: $200 cash back after $1,000 in 6 monthsYearly value$600 a yearIntro APRNonePurchase APR29.99–30.49%
  4. 4Evergreen Credit CardFNBOYearly value$600 a yearIntro APRNonePurchase APR19.74–28.24%
  5. 5Evergreen® Business Edition® Credit CardFNBOYearly value$600 a yearIntro APR0% for 6 mothen 17.49–28.24%Purchase APR17.49–28.24%
  6. 6Personal Credit CardHoosier Heartland State BankYearly value$600 a yearIntro APRNonePurchase APRNot stated
  7. 7Platinum Visa Card with and without Rewards.1st Community Federal Credit UnionYearly value$600 a yearIntro APRNonePurchase APRNot stated
  8. 8U.S. Bank Business Essentials Visa® CardUS BankWelcome offer: 50,000 points after $5,000 in purchasesYearly value$600 a yearIntro APRNonePurchase APRNot stated
  9. 9U.S. Bank Smartly™ Visa Cash Back Credit CardUS BankYearly value$600 a yearIntro APR0% for 12 mothen 17.99–28.24%Purchase APR17.99–28.24%
  10. 10Blue Cash Preferred® CardAmerican ExpressYearly value$555 a yearIntro APRNonePurchase APR19.74–28.74%
  11. 11Savor RewardsCapital OneWelcome offer: $200 cash back after $500 in 3 monthsOnce per 48 monthsYearly value$515 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  12. 12Savor Rewards for Good CreditCapital OneYearly value$515 a yearIntro APRNonePurchase APR29.24%
  13. 13Savor Student Credit CardCapital OneWelcome offer: $50 cash back after $100 in 3 monthsOnce per 48 monthsYearly value$515 a yearIntro APRNonePurchase APR18.74–28.74%
  14. 14Capital One Spark Cash CardCapital OneWelcome offer: $1,000 cash back after $10,000 in 3 monthsNeeds $3,334 a monthOnce per lifetime on this card familyYearly value$505 a yearIntro APRNonePurchase APR24.74%
  15. 15Chase Freedom Unlimited Credit CardChaseWelcome offer: $200 cash back after $500 in 3 monthsOnce per 24 monthsYearly value$505 a yearIntro APR0% for 15 mothen 18.49–27.99%Purchase APR18.49–27.99%
  16. 16Costco Anywhere Visa® Card by CitiCitiYearly value$505 a yearIntro APRNonePurchase APR18.99–26.99%
  17. 17Ollo Rewards+ for Educators MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
  18. 18Ollo Rewards+ for Nurses MastercardMerrick BankYearly value$490 a yearIntro APR0% for 12 mothen 24.49–28.99%Purchase APR24.49–28.99%
  19. 19Nih FCU Visa Platinum CardNih Federal Credit UnionYearly value$490 a yearIntro APRNonePurchase APR11.99–16.99%
  20. 20Cash Rewards Secured Credit Card from Bank of AmericaBank of AmericaYearly value$480 a yearIntro APRNonePurchase APR27.74%
  21. 21SavorOne RewardsCapital OneYearly value$475 a yearIntro APRNonePurchase APR29.24%
  22. 22Blue Cash Everyday® CardAmerican ExpressYearly value$470 a yearIntro APRNonePurchase APR19.74–28.74%
  23. 23VISA PLATINUM CASH REBATEKirtland Federal Credit UnionYearly value$460 a yearIntro APRNonePurchase APRNot stated
  24. 24Ollo Everyday Rewards MastercardMerrick BankYearly value$455 a yearIntro APR0% for 12 mothen 24.49–29.99%Purchase APR24.49–29.99%
  25. 25Susan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit CardBank of AmericaWelcome offer: $200 cash back after $1,000 in 3 monthsYearly value$455 a yearIntro APRNonePurchase APR17.74–27.74%
  26. 26AFA-CWA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  27. 27AFGE Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  28. 28AFM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  29. 29AFSCME Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  30. 30AFSCME Primary Access Credit CardCapital OneYearly value$450 a yearIntro APRNonePurchase APR26.99%
  31. 31AFT+ Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  32. 32AFT+ Primary Access Credit CardCapital OneYearly value$450 a yearIntro APRNonePurchase APR26.99%
  33. 33Alliant Visa® Signature Credit Card with CashbackAlliant Credit UnionYearly value$450 a yearIntro APRNonePurchase APRNot stated
  34. 34ALPA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  35. 35APL FCU CLASSIC VISA CARDApl Federal Credit UnionYearly value$450 a yearIntro APRNonePurchase APR6.49–18.00%
  36. 36APWU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  37. 37ATU Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  38. 38Bank of America® Unlimited Cash Rewards Credit CardBank of AmericaWelcome offer: $250 cash back after $1,000 in 3 monthsYearly value$450 a yearIntro APRNonePurchase APR17.74–27.74%
  39. 39Bank of America® Unlimited Cash Rewards Credit Card for StudentsBank of AmericaWelcome offer: $250 cash back after $1,000 in 3 monthsYearly value$450 a yearIntro APRNonePurchase APR17.74–27.74%
  40. 40Bank of America® Unlimited Cash Rewards Secured Credit CardBank of AmericaYearly value$450 a yearIntro APRNonePurchase APR27.74%
  41. 41BCTGM Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%
  42. 42Business Advantage Unlimited Cash Rewards Mastercard® Credit CardBank of AmericaWelcome offer: $500 cash back after $5,000 in 3 monthsYearly value$450 a yearIntro APR0% for 7 mothen 16.99–26.99%Purchase APR16.99–26.99%
  43. 43Business Advantage Unlimited Cash Rewards Secured Business Credit CardBank of AmericaYearly value$450 a yearIntro APRNonePurchase APR26.99%
  44. 44BECU Business Cash Back Credit CardBECUWelcome offer: $300 cash back after $3,000 in 3 monthsOnce per 12 monthsYearly value$450 a yearIntro APRNonePurchase APR17.24%
  45. 45BECU Business Low Rate Credit CardBECUYearly value$450 a yearIntro APRNonePurchase APR14.74%
  46. 46Capital Credit Union VISA Credit CardCapital Credit UnionYearly value$450 a yearIntro APRNonePurchase APR15.49–27.49%
  47. 47Capital One Spark 2% Cash PlusCapital OneWelcome offer: $2,000 cash back after $30,000 in 3 monthsNeeds $10,000 a monthOnce per lifetime on this card familyYearly value$450 a yearIntro APRNonePurchase APRNot stated
  48. 48Regions Cash Rewards Credit CardRegionsWelcome offer: $100 cash back after $500 in 3 monthsWas $200Yearly value$450 a yearIntro APR0% for 12 mothen 18.74–28.74%Purchase APR18.74–28.74%
  49. 49Chase Freedom Rise Credit CardChaseWelcome offer: $25 USD statement creditOnce per 24 monthsYearly value$450 a yearIntro APRNonePurchase APR18.49–27.99%
  50. 50CSEA Cash Rewards Credit CardCapital OneYearly value$450 a yearIntro APR0% for 12 mothen 16.65–26.49%Purchase APR16.65–26.49%

Values are estimates for our typical spender ($2,500 a month) from each card’s published terms, not advice. “Needs $… a month” marks a bonus whose spending requirement is above that pace. We sort by the measure you pick and nothing else; no link here pays us. How we value cards