SwitchWizeSmart financial decisions

Compare · 13 verified cards · Updated June 2026

The best cash back for how you actually spend.

Tell us your monthly spend and we rank every card by the real dollars it puts back in your pocket — bonus, rewards, and fees included. No marketing headlines.

Independent by designWe rank by value to you — not commissionEvery issuer pays us the same: nothing for a higher rankEstimates use your spend, not a marketing headlineRead methodology →
Your monthly spend$2,500/mo
Your top pick earns
$1,711
in year one with Blue Cash Preferred Card From American Express, at this spend.

Advertising disclosure: Some products are from partners. This does not affect rankings.

Full disclosure →
MethodologyRanked by true cost: Estimated first-year value, ongoing rewards rate, annual fee, sign-up bonus, APR transparency, issuer reliability, and data completeness.
1 card is not shown — missing annual fee, rewards, APR, bonus, or source data needed for an accurate comparison.
All CardsCash BackTravel & MilesBalance TransferNo Annual FeeBusinessBuild Credit
Showing 12
1Our top pick

Ranked with verified fee, rewards, APR, bonus, and source data.

AE
American Express
Full review

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American ExpressCash backVerified

Blue Cash Preferred Card From American Express

Trust 92
  • 12-month 0% intro APR
  • up to 6% back in bonus categories
Sign-up bonus
$6
first year
Annual fee
$95
Intro APR
0% · 12mo
then standard APR
Rewards rate
6.0%
cash back on spend
Est. first-year value
$1,711
Sign-up bonus$6
Rewards earned+$1,800
Annual fee-$95
Then $1,705/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
2Why #2

Ranked with verified fee, rewards, APR, bonus, and source data.

BO
Bank of America
Full review

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Bank of AmericaCash backVerified

Customized Cash Rewards

Trust 95
  • No annual fee
  • up to 3% rewards in bonus categories
Sign-up bonus
$3
first year
Annual fee
$0
Ongoing APR
17%+
see issuer terms
Rewards rate
3.0%
on eligible spend
Est. first-year value
$903
Sign-up bonus$3
Rewards earned+$900
Annual fee$0
Then $900/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
3Why #3

Ranked with verified fee, rewards, APR, bonus, and source data.

CH
Chase
Full review

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ChaseCash backVerified

Chase Freedom Unlimited

Trust 95
  • No annual fee
  • up to 3% back in bonus categories
Sign-up bonus
$3
first year
Annual fee
$0
Ongoing APR
18%+
see issuer terms
Rewards rate
3.0%
cash back on spend
Est. first-year value
$903
Sign-up bonus$3
Rewards earned+$900
Annual fee$0
Then $900/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
4Why #4

Ranked with verified fee, rewards, APR, bonus, and source data.

AE
American Express
Full review

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American ExpressCash backVerified

Blue Cash Everyday Card From American Express

Trust 92
  • No annual fee
  • up to 3% back in bonus categories
Sign-up bonus
$3
first year
Annual fee
$0
Ongoing APR
19%+
see issuer terms
Rewards rate
3.0%
cash back on spend
Est. first-year value
$903
Sign-up bonus$3
Rewards earned+$900
Annual fee$0
Then $900/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
5Why #5

Ranked with verified fee, rewards, APR, bonus, and source data.

CO
Capital One
Full review

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Capital OneCash backVerified

Capital One Savor Cash Rewards Credit Card

Trust 88
  • 15-month 0% intro APR
  • No annual fee
  • 3% rewards on Dining & Entertainment
Sign-up bonus
$3
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
3.0%
points on dining & entertainment

3% on dining, entertainment, popular streaming, and at grocery stores; 1% on everything else. $0 annual fee. Flat cash back — no transfer value.

Est. first-year value
$3
Sign-up bonus$3
Rewards earnedvaries by spend
Annual fee$0
Bonus + fee only · rewards vary · how we calc
See offer
6Why #6

Ranked with verified fee, rewards, APR, bonus, and source data.

TB
TD Bank
Full review

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TD BankCash backVerified

TD Cash Credit Card

Trust 88
  • 15-month 0% intro APR
  • No annual fee
  • up to 3% rewards in bonus categories
Sign-up bonus
$3
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
3.0%
on eligible spend
Est. first-year value
$903
Sign-up bonus$3
Rewards earned+$900
Annual fee$0
Then $900/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
7Why #7

Ranked with verified fee, rewards, APR, bonus, and source data.

WF
Wells Fargo
Full review

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Wells FargoCash backVerified

Wells Fargo Active Cash Card

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • 2.0% back on all purchases
Sign-up bonus
$2
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
2.0%
cash back on spend

Flat 2% cash rewards on all purchases — no categories to track and no caps. $0 annual fee.

Est. first-year value
$602
Sign-up bonus$2
Rewards earned+$600
Annual fee$0
Then $600/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
8Why #8

Ranked with verified fee, rewards, APR, bonus, and source data.

UB
U.S. Bank
Full review

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U.S. BankCash backVerified

Smartly

Trust 88
  • No annual fee
  • 2.0% rewards on all purchases
Sign-up bonus
$2
first year
Annual fee
$0
Ongoing APR
18%+
see issuer terms
Rewards rate
2.0%
on eligible spend
Est. first-year value
$602
Sign-up bonus$2
Rewards earned+$600
Annual fee$0
Then $600/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
9Why #9

Ranked with verified fee, rewards, APR, bonus, and source data.

UB
U.S. Bank
Full review

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U.S. BankCash backVerified

U S Bank Smartly Visa Signaturecard

Trust 88
  • 12-month 0% intro APR
  • No annual fee
  • 2.0% rewards on all purchases
Sign-up bonus
$2
first year
Annual fee
$0
Intro APR
0% · 12mo
then standard APR
Rewards rate
2.0%
on eligible spend
Est. first-year value
$602
Sign-up bonus$2
Rewards earned+$600
Annual fee$0
Then $600/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
10Why #10

Ranked with verified fee, rewards, APR, bonus, and source data.

CO
Capital One
Full review

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Capital OneCash backVerified

Quicksilver Cash Rewards

Trust 88
  • No annual fee
Sign-up bonus
$2
first year
Annual fee
$0
Ongoing APR
18%+
see issuer terms
Rewards rate
1.5%
cash back on spend
Est. first-year value
$452
Sign-up bonus$2
Rewards earned+$450
Annual fee$0
Then $450/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
1 / 2
Estimates use your $2,500/mo spend·Card terms reviewed regularly·Incomplete card economics are excluded from rankings·How we rank & value cards