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The Best Cash Back Credit Cards of 2019

Advertiser Disclosure: I Will Train You To Be Wealthy has partnered with CardRatings for our protection of bank card merchandise. I Will Train You To Be Wealthy and CardRatings might obtain a fee from card issuers.
Editorial Disclosure: Opinions, evaluations, analyses & suggestions are the writer’s alone, and haven’t been reviewed, endorsed or accepted by any of these entities.

You understand what’s superior?

Free cash.

With a money again card, you get free cash. That’s a tough deal to beat.

Take your present spending and faux somebody minimize you a examine for 1-5% of that spending. You don’t need to raise a finger or do something, the examine magically reveals up in your account routinely. That’s what it’s like having a money again card.

There’s actually no catch both.

So long as you already pay your bank cards off each month, there’s no draw back. To be sincere, you shouldn’t be utilizing bank cards when you don’t repay your steadiness every month anyway. Each bank card is a horrible deal when you don’t.

For these of you that do repay your playing cards each month, a money again bank card is one of the most effective offers in private finance.

Earlier than breaking down the most effective money again playing cards, let’s be sure that a money again card is the fitting kind of bank card for you.

There are two varieties of rewards bank cards: journey playing cards and money again playing cards.

We go into so much of element on how they differ from one another in our greatest rewards bank cards information. The fast abstract:

  • Get a journey bank card if you wish to maximize the worth of your rewards and perks
  • Get a money again card (like those beneath) if you wish to maximize simplicity or your don’t journey

So what are the most effective money again playing cards?

The greatest money again playing cards

After scouring all of the money again gives on the market, we’ve discovered these playing cards to be the most effective choices:

How we consider money again playing cards

For a card to make it on our listing of greatest playing cards, we evaluated it utilizing this standards.

Bonus worth

We don’t put a lot weight on the signup bonus. In actual fact, we ignore them for probably the most half.

Sure, the bonuses are nice. At all times take benefit of them.

However I by no means choose my bank cards based mostly on the bonus itself. Since I by no means chase bank card promos, I keep on with the identical set of playing cards for years. The rewards program, perks, and charges will all outlast the bonus. Ultimately, the bonus is a minor profit.

Choose the cardboard you need with out worrying concerning the signup bonus.

Cash again system

That is crucial half of your money again card. Sweat the small print right here.

Heaps of money again playing cards promote superb money again rewards (get 5% money again!) after which severely restrict it with spend limits, rotating classes, or different nonsense.

As a basic rule, the easier the money again program, the higher. I’d a lot fairly get 80% of the potential money again if it means I by no means have to consider something.

That mentioned, when you’re making an attempt to push your money again rewards to the restrict and are prepared to tackle the additional complexity, taking part in these video games is the important thing to maximizing your rewards. It’s not how I personally wish to spend my time, however when you do, all the facility to you.


Hold a detailed eye on international transaction charges with money again playing cards.

The greatest journey bank cards often don’t have international transaction charges. That makes since they aim vacationers.

However money again playing cards aren’t as beneficiant. Many of them do have international transaction charges. This can be a 1-3% payment on high of each transaction from a international financial institution. When you journey as soon as per 12 months, you would simply negate all of your money again rewards by paying hefty international transaction charges in your complete journey.

In any other case, money again playing cards don’t have many charges, and virtually all of them don’t have an annual payment.

So long as you’re paying your card off each month (which you completely ought to be doing), you’ll be capable to get your money again rewards with out ever having to pay a single payment.


As you choose your playing cards, keep watch over what number of banks you’re utilizing.

Managing 2-Three logins throughout totally different banks isn’t a giant deal however having a dozen or extra logins begins to be an actual headache. With a partner and household, it’s surprisingly straightforward for financial institution accounts to get out of hand.

Everytime you’re making an attempt to resolve between two playing cards with comparable gives, choosing the choice with a financial institution that you just already use will assist hold issues easy. Not all the pieces is about optimizing for each final greenback, simplicity and fewer complications go a great distance.

Financial institution repute

At I Will Train You To Be Wealthy, we now have zero tolerance for banks that gouge prospects on charges or deal with prospects poorly. Having a dependable financial institution is simply too essential to place up with horrible therapy.

Sadly, Wells Fargo and Financial institution of America each have lengthy histories of doing horrible issues to their prospects. We suggest avoiding them totally. In actual fact, we didn’t even think about any money again playing cards from both financial institution.

The greatest money again bank cards

Listed below are all of the money again playing cards that it’s best to think about.

Citi Double Cash

Citi Double Cash Card

The Citi Double Cash card gives some of the very best money again rewards which are tremendous easy.

That is our favourite total money again card.

You get 2% money again on all the pieces, which is an excellent rewards price. There aren’t any rotating classes or spend limits both. It’s really so simple as it will get.

The solely draw back is the three% international transaction payment. So undoubtedly keep away from utilizing this card when touring internationally.

*Phrases Apply – Discover ways to apply on-line.

Chase Freedom

Chase Freedom

The Chase Freedom is the most effective card for these prepared to make use of rotating classes 

The 5% money again is spectacular. Every quarter, you’ll have a brand new spending class that will get the 5% money again as much as a sure restrict. One quarter is perhaps groceries, the subsequent is perhaps and The whole lot else will get 1% money again.

I desire to keep away from rotating classes, I don’t wish to spend the psychological power preserving observe of these items.

However when you have been making an attempt to maximise the rewards out of your money again playing cards, having one rotating class card might be price it. You’d solely have one set of rotating rewards to fret about. That might provide you with a number of easy guidelines for spending:

  • Examine the brand new class as soon as per quarter to see what will get the 5% bonus
  • Use the Chase Freedom card for that class
  • Use your default money again card for all different spending

So long as you bear in mind to examine the rewards class every quarter, that is nonetheless a easy system to observe. I’m not going to do it, however I completely perceive if you wish to.

The 5% money again does have a quarterly spending restrict, often about $1,500. So the money again will probably be restricted to about $75 per quarter.

That is similar to the Uncover it card, which we’ve included beneath. It’s principally the identical supply. We suggest the Chase Freedom as a substitute as a result of it’s a Visa, which suggests it’s accepted at much more companies than a Uncover card.

Solely think about this card when you’re prepared to take care of the rotating classes.

*Phrases Apply – Discover ways to apply on-line.

Chase Freedom Limitless

Chase Freedom Unlimited

The Chase Freedom Limitless is a superb card for the primary 12 months, then a mean card after that

3% money again as much as $20,000 in card spending for the primary 12 months, then 1.5% after that.

No annual payment and no different complexities to fret about both.

This may be a tremendous card if the three% money again on the primary $20,000 in spending occurred yearly. But it surely doesn’t, you solely get 3% through the first 12 months.

It’s greatest to deal with the three% like a signup bonus and think about this card like a standard 1.5% money again card. 1.5% is sweet, however different playing cards have greater charges.

I’d take a look at different playing cards.

*Phrases Apply – Discover ways to apply on-line.

Blue Cash Most well-liked Amex

American Express Blue Cash Preferred

A superb secondary card to maximise particular spending classes

If I had two money again playing cards, the Blue Cash Most well-liked can be one of them.

I’d use my Blue Cash Most well-liked Amex on all my transit, grocery store, gasoline station, and streaming subscriptions. That might enable me to get 3-6% money again on all that spending. For all the pieces else, I’d use a card just like the Citi Double Cash which might then give me 2% money again on all the pieces else.

That’s a great way to maximise money again rewards and nonetheless have a quite simple set of bank cards.

The annual payment makes this card a bit extra difficult although. Not solely do we have to earn sufficient money again to cowl the payment, we additionally must earn sufficient money again to outweigh the usual 1-2% money again rewards from another card.

We may construct a brilliant fancy spreadsheet with rewards projections based mostly in your annual budgets. Let’s skip all that. There’s a easy approach to discover out if Blue Cash Most well-liked Amex is price it for you.

I’m going to imagine that you just spend about:

  • $50/month in streaming subscriptions. That’s $36/12 months money again.
  • $100/month in taxis and different transit. That’s $36/12 months money again.
  • $100/month in gasoline. That’s $36/12 months money again.

Mixed, you’ll get $108/12 months money again which covers the annual payment.

Now, when you max out the 6% grocery store class with $6,000 in annual spending, you’ll get one other $360 in money again. That simply covers the chance price of sticking with a straight 2% money again card.

In different phrases, when you spend over $100/week on the grocery retailer, it’s price getting this card as your second money again card. You’ll max out the grocery profit when you common $115/week in spending.

And when you spend greater than $100/month in taxis or gasoline, this card will get much more invaluable.

*Phrases Apply – Discover ways to apply on-line.

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards

The greatest money again card for vacationers

One factor to observe for on money again playing cards is the international transaction charges. Rather a lot of them have it, which provides 1-3% to any international transaction. When you journey internationally in any respect, you’ll desire a card that doesn’t have it.

If you wish to use a money again card whereas touring, the Capital One Quicksilver Cash Rewards is a superb choice. You get all the advantages of having a brilliant easy money again rewards program, a simple 1.5% money again on all the pieces, and no international transaction charges to fret about.

This additionally makes a wonderful second card when paired with the Citi Double Cash card. Use the Citi Double Cash when within the U.S. to get 2% money again on all the pieces. Then use the Capital One Quicksilver when touring to get 1.5% money again and keep away from international transaction charges.

*Phrases Apply – Discover ways to apply on-line.

Uncover it Cash Back

Discover It Cash Back

This solely a great choice if you need rotating classes and a Uncover card

Full disclosure: I’m not an enormous fan of Uncover playing cards.

They get rejected at shops and eating places on a regular basis. I hate coping with that trouble.

Not solely is it a Uncover card, it additionally has rotating classes. Like different rotating money again playing cards, sure spending classes get 5% money again whereas all the pieces else will get 1%. And the classes rotate every quarter.

When you’re a giant fan of Uncover and desire a card with rotating classes, this might be a great choice.

However I wouldn’t select this card myself. Coping with Uncover and the additional complications or rotating classes is an excessive amount of trouble for me. I’d select any of the opposite playing cards on this listing.

*Phrases Apply – Discover ways to apply on-line.

Capital One® SavorOne® Cash Rewards Credit Card

Capital One SavorOne

The greatest money again card for eating and leisure purchases

With the three% money again on eating and leisure, this card makes an incredible choice as a secondary card to maximise your returns in that class.

When you eat out so much or attend so much of occasions, it’s undoubtedly price contemplating this card.

It additionally makes an incredible backup card for whenever you’re touring, because it doesn’t have any international transaction charges.

*Phrases Apply – Discover ways to apply on-line.

Methods to use a number of money again playing cards to maximise your rewards

Truthfully, you will get 80% of the potential money again worth from getting a single money again card and utilizing that card for all the pieces.

To maximise simplicity, sticking to a single card actually is a superb transfer.

However what when you actually wish to get a pair of playing cards to maximise your money again advantages? What does that system appear to be?

I’m going to stroll you thru a three-step system on tips on how to construct your money again machine utilizing a number of playing cards.

You’ll have to concentrate to some spending classes and the foundations will probably be a bit extra difficult. However when you’re seeking to maximize your money again rewards, that is the only approach to do it.

Step 1: Choose your default money again card

Even when you plan on having a number of playing cards from the get-go, you wish to begin along with your “default” card. That is the money again card you’ll use for all purchases that don’t fall into any of the spending classes that we’re utilizing different playing cards for.

For most people, we extremely suggest the Citi Double Cash card as your default money again card.

The solely draw back is that the Citi Double Cash does have a 3% international transaction payment, which is fairly excessive.

When you journey repeatedly and don’t desire a journey rewards card, think about using the Capital One® Quicksilver® Cash Rewards as your default card. There’s no international transaction payment, and also you’ll get 1.5% money again on all the pieces. It’s not fairly as excessive as the two% from the Citi Double Cash, however avoiding international transaction charges will simply cowl the hole.

Step 2: Choose one maximization card

Now we get to have some enjoyable.

It’s time to select your maximization card. You’ll use this card solely whenever you make purchases that take benefit of the elevated money again rewards within the classes for that card. For all the pieces else, you’ll use your default card that you just already picked throughout the first step.

Relying in your private spending, you’ve gotten a number of choices.

Possibility 1: Blue Cash Most well-liked Amex for groceries and gasoline

When you spend $100/week on groceries, you’ll simply max out the advantages of this card. Begin utilizing it on your groceries, streaming, transit, and gasoline. Even with the annual payment, it’s a incredible card for anybody that spends repeatedly in these classes. Phrases apply. Study extra about this card.

Possibility 2: Capital One SavorOne for eating and leisure

You’ll get 3% money again on all eating and leisure. I are likely to eat out so much, so it is a nice match for me. It additionally has a 2% money again on groceries, however that doesn’t actually matter when you get the Citi Double Cash as your default. You’ll already be getting 2% on each buy. Phrases apply. Study extra about this card.

Possibility 3: Chase Freedom for maxing returns with rotating classes

When you actually wish to maximize your money again, you’ll must get a card with rotating classes. This will get you a 5% money again, however it’s important to take care of the complications of remembering which classes are energetic. I might by no means do that myself, it’s an excessive amount of hassle. However when you don’t thoughts remembering which classes have the 5% bonus, you’ll be capable to maximize your money again. Phrases apply. Study extra about this card.

Additionally bear in mind to observe the international transaction charges on money again playing cards

When getting a second money again card, attempt to get one card with out international transaction charges. You then’ll be lined everytime you journey internationally. The Capital SavorOne is a superb choice for this. You need to use it for the three% money again on eating and leisure when stateside, then use it for all the pieces to get 1% money again and keep away from international transaction charges when touring.

Step 3: Non-obligatory second maximization card

When you’re wanting on the listing of maximization playing cards above and having hassle choosing between two of them as a result of they each suit your spending very well, think about grabbing them each.

This may provide you with a complete of three money again playing cards. One is your default, the opposite two are maximization playing cards.

For instance, let’s say that I spend tons of of {dollars} each month on groceries, gasoline, eating, and leisure. There can be a robust case for me getting three money again playing cards:

  1. Citi Double Cash as my default card
  2. Blue Cash Amex for my groceries and gasoline
  3. Capital One SavorOne for eating and leisure

This setup would enable me to maximise my money again throughout a number of spending classes. I’d have 2% money again as my default and 3-6% throughout a number of classes. That’s a very nice return with a money again machine that’s nonetheless easy sufficient to recollect.

Do you have to ever think about greater than three money again playing cards?

I strongly advise in opposition to it.

You would get greater than three and it gained’t damage you. 

However I think about it utterly pointless.

After three playing cards, any further playing cards can have diminishing returns. They develop into extra hassle than they’re price.

Positively get a default money again card, get a second if you wish to bump your returns, think about a 3rd in case your private spending matches a number of playing cards, and don’t go previous that.


Out of all of the choices on the market listed here are my high 7 picks for the most effective money again playing cards in 2019.


Advertiser Disclosure: I Will Train You To Be Wealthy has partnered with CardRatings for our protection of bank card merchandise. I Will Train You To Be Wealthy and CardRatings might obtain a fee from card issuers.

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