Choosing the right credit card is crucial to meet your needs. Cashback cards reward you with money for making purchases and timely bill payments. However, finding the perfect card that aligns with your budget and preferences is essential.
Researching various cashback cards is worthwhile, as they offer rewards for diverse categories like travel, groceries, online shopping, car maintenance, and more. With numerous options available, understanding complex terms and conditions can be confusing.
To assist, we've compared and listed The Smart Investor Select’s top picks for the best cash-back credit cards.
Card | Rewards | Bonus | Annual Fee | Best For | 1-5%
5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. Plus, you’ll get 2% back at gas stations, restaurants, and on local transit, and 1% on all other purchases
| $200
$200
| $0 ($139 Amazon Prime subscription required) | Online Shopping |
---|---|---|---|---|---|
1-5%
| $200
| $0 | Rotating Categories | ||
1.5% – 5%
5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
| $200
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
| $0 | Less than Perfect Credit | ||
1% – 4%
unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
| $300
$300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
| $95 | Sign up Bonus | ||
1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
| $250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
| $95 ($0 intro for the first year), Rates & Fees | High Cash Back | ||
1-4%
4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
| None
| $0 ($60 Costco membership fee required) | Store Cash Back | ||
1% – 2%
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
| $200
$200 cash back after spending $1,500 on purchases in the first 6 months
| $0 | Flat Rate Cashback | ||
1.5% – 2.5%
up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
| None
None
| $99
| Credit Unions | ||
1-5%
5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
| Cashback Match
All cash back earned at the end of the first 12 months is matched.
| $0 | Digital Experience |
Amazon Prime Rewards Visa Signature Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
- Overview
- Features
- Pros & Cons
- FAQ
The Amazon Prime Rewards Visa Signature Card is one of the best shopping cards available, especially if you're a frequent buyer on Amazon.
This card offers an outstanding 5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. Plus, you’ll get 2% back at gas stations, restaurants, and on local transit, and 1% on all other purchases, making it a suitable choice for commuters and a $0 fee on foreign transactions.
However, warehouse clubs and superstores are not included and you aren't eligible for 0% intro APR period. Overall, the Amazon card is suitable for individuals that buy or purchase their groceries at traditional supermarkets.
- Rewards Plan: 5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. Plus, you’ll get 2% back at gas stations, restaurants, and on local transit, and 1% on all other purchases
- APR: 19.99% – 28.74% Variable
- Annual Fee: $0 ($139 Amazon Prime subscription required)
- Balance Transfer Fee: $5 or 5%, whichever is greater
- Foreign Transaction Fee: $0
- Sign Up bonus: Get a $200 Amazon Gift Card
- Sign-Up Bonus
- Cash Back at Supermarkets & Gas Stations
- No Annual Fee
- Extended Warranty on Purchases
- Amazon Prime subscription required
- Balance Transfer Fee
- Foreign Transaction Fee
- Minimum Redemption Amounts
Does the card have a rewards limit?
The Amazon card doesn't have a rewards limit, so you can earn cash back on all of your purchases. It has a tiered structure, so even purchases that are not on Amazon can still earn you some cash back.
Does anyone can get the Amazon card?
you’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration.
Can you get pre approved
There is no pre approval option for the Amazon Prime Rewards card. This means that you’ll need to complete a full application and this will trigger a hard pull on your credit.
What’s the initial credit limit I'll get?
The Amazon Prime Rewards card has a minimum initial credit limit of $500. The exact amount can be much higher but it mainly depends on your credit score.
How long does approval take?
If you don’t get an instant decision after you submit the online application form for the Amazon Prime Rewards card, you may be waiting two to four weeks.
What are the top reason not to get the Amazon card?
The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.
Sam's Club Mastercard
Reward details