The 9 Best Cash Back Credit Cards For September

Cash is often thought of as king. The best cash back credit cards can make sure you get lots of cash back. Why not get cash back on the spending you do? Many people use cash back credit cards to get a small percentage back on their everyday spending. 

Those people may want to use that cash back to buy things on Amazon, save it for a rainy day in an emergency fund, invest it, or use it for a night out on the town. 

Cash back credit cards are not like travel rewards cards. They are much more straightforward, allowing you to charge everything to the card and get that percentage. There are no conversions to think about, portals to transfer points or miles; you swipe and earn. 

There are many things to do with your cash-back, but you only need to consider which card is the best to get the most value. 

Here is a list of 9 of the Best Cash Back Credit Cards.

Chase Freedom Unlimited

The Chase Freedom Unlimited is one of my favorite cash back credit cards. 

• Intro Offer: Earn an additional 1.5% for the first year on purchases of up to $20,000. That is another possible $300 in cash back. 
• 5% on travel booked through the Chase travel portal
• 5% back on Lyft rides
• 3% back on restaurant dining, drugstores, and take out on eligible delivery services
• 1.5% on everything else
• Cash-back can be transferable as Ulitmate Rewards points.
• No minimum to redeem cash back
• $0 Annual fee
• 0% APR for the first 15 months
• Learn How To Apply

Chase Freedom Unlimited is a fantastic card for cash back. Chase has increased the value of this card from a 1.5% cash back to giving you 5% on their travel portal and 3% for dining at the low cost of a $0 annual fee. 

If you enjoy eating out and traveling, this could be a great cash-back card to get a higher percentage on the things you want. 

For those travelers and travel hackers, you can use the cash back as UR points and transfer them to the Chase Sapphire Preferred, The Chase Sapphire Reserve, or the Chase Ink Businesses cards to get even more value out of the points and cash back. 

Chase Freedom Flex

The Chase Freedom Flex gives more rewards depending on the categories for each quarter. It has a rotating bonus of 5% for specific categories. 

• Welcome Offer: $200 bonus after spending $500 in the first three months. 
• 5% on travel booked through Chase Travel Portal
• 5% on rotating quarterly categories up to $1,500 spend
• 5% on Lyft rides
• 3% back on drugstores and restaurant dining ( and eligible takeout delivery services)
• 1% on all other purchases
• 0% APR for the first 15 months
• $0 Annual Fee
• Learn How to Apply

The Chase Freedom Flex revamps the old Chase Freedom card with more significant rewards and cash-back and maintains the quarterly bonuses. 

You can have stable cash back with 5% back on Lyft rides and travel booked through the Chase Travel Portal.

The Freedom Flex also gives you a 3% back on restaurants and drugstores, which makes it very convenient to hold just one card in your pocket to get the most out of your spending. 

The Welcome Offer gives you an additional $200 on $500 spent in the first three months. That is an excellent bonus for those going after some cash back. 

Learn How To Apply

Capital One Quicksilver Cash Rewards Credit Card

Another tremendous simple cash back credit card is the Capital One Quicksilver Cash Rewards Credit Card. 

• Welcome Offer: $200 back after spending $500 in the first three months
• 5% cash back on hotels and rental cars booked through the Capital One Travel Portal
• 1.5% back on all other purchases
• 0% APR for the first 15 months
• $0 Annual fee
• No foreign transaction fees
• Learn How To Apply

If you are looking for a simple cash-back card, look no further than the Capital One Quicksilver Cash Rewards Credit Card. It gives you 1.5% on everything, and you will get a 5% cash back on travel booked through the Capital One Travel Portal. 

There are no rotating category bonuses to worry about; know that you will get 1.5% back on everything. 

The exciting thing is that you can take this card abroad on travels and not incur any foreign transaction fees. 

If you are looking for a simple card with a great bonus, check out the Capital One Quicksilver Cash Rewards Credit Card.

Capital One SaviorOne Cash Rewards Credit Card

Want a fee-free card that gets you 3% on dining? Look no further than the Capital One SaviorOne Cash Rewards Credit Card. 

• Welcome Offer: $200 bonus when you spend $500 in the first three months. 
• 3% unlimited cash back on dining, streaming, and popular grocery stores (excluding Walmart and Target)
• 5% back on hotels and rental cars booked on the Capital One travel portal.
• 0% APR on the first 15 months
• No annual fee
• No foreign transaction fees
• Learn How To Apply

If you like food, then this could be the card for you. It has no annual or foreign transaction fees, so you can get 3% off all dining anywhere in the world—3% on all grocery stores (except for Target and Walmart). 

There is no cap on these categories, and there is a bonus if you spend $500 in the first three months of opening the card. 

Other cards will have limits on categories or rotating categories, but the Capital One SaviorOne Cash Rewards Credit Card helps simplify things with a flat 3% on dining and groceries. 

Blue Cash Preferred from American Express

American Express is blowing the other credit cards out of the water with this cash back credit card. 

• Welcome Offer: $350 after spending $3,000 in the first six months.
• 6% back on U.S. Supermarkets ($6,000 annual max, and 1% afterward)
• 6% back on select streaming services
• 3% back on gas stations and other transit
• 1% on everything else
• 0% APR for the first 12 months
• $95 Annual fee
• Learn How To Apply

The cash back is massive with this card. You are getting a great deal with a 6% back on groceries and streaming services and 3% back on gas and other transit. That is a good amount of cash back coming to you. 

The welcome Offer of $350 after spending $3,000 in six months is a large bonus for most of these cards. 

There is also a 0% APR for the first 12 months, giving you time to make payments and not have any unnecessary interest on the debt. 

The only bad part is the $95 annual fee. The bonus on supermarkets and gas stations makes this card great for your wallet. 

Learn How To Apply

Blue Cash Everyday Card from American Express

If you do not want to pay the annual fee of the Blue Cash Preferred Card, then go with the Blue Cash Everyday card that allows you to have significant rewards without the annual fee. 

• Welcome Offer: $200 statement credit after you spend $2,000 in the first six months
• 3% on grocery stores on up to $6,000 spent annually, and 1% after that. 
• 3% on gas station purchases on up to $6,000 spent annually, and 1% after that. 
• 3% on U.S. online retail purchases of up to $6,000 spent annually, and 1% back after that.
• 0% APR on the first 15 months of opening the account
• No annual fee
• Learn How To Apply

It is hard not to look at the Blue Cash Everyday Card. It offers a 3% back on grocery stores, gas stations, and online retail purchases. The great thing is that there is no annual fee. 

So if you are looking for a simple sound cash back card that gives you 3% on the items like food and gas, there is no better place to look than the Blue Cash Everyday Card from American Express.

Learn How To Apply

Citi Double Cash

Having the ability to earn a flat rate on almost any purchase is good news to the cash-back community. The Citi Double Cash Card offers a flat 2% back on all purchases, which makes it a simple card to use on everything. 

• 2% on every purchase. 1% when you purchase and 1% when you pay off the statement. 
• 0% APR for the first 18 months of opening your card.
• No annual fee
• Learn How To Apply

The great thing about Citi Double Cash is the simple flat rate of 2%. You get the 1% when you make the purchase and 1% when you pay it off. Simple and easy to use. 

With the welcome Offer of $200, there is even more cash in your pocket as you make purchases. Hurry to grab this card when you can; we do not know how long that Offer will last. 

You cannot go wrong with a flat 2%.

Citi Custom Cash

The Citi Custom Cash Card gives 5% back on your highest spend category. 

• Welcome Offer: $200 back when you spend $1,500 in the first six months
• 5% back on your highest spend category
• 0% APR for the first 15 months
• No annual fee
• Learn How To Apply

The Citi Custom Cash card allows you to earn 5% on the highest category you may spend in a month. So if you paid the most on restaurants, you would get 5% on those purchases.

A strategy for using this card could be to use it only for one category and always get 5% back. It is unlike the Chase Freedom Flex or other cards with rotating bonuses. It allows you to pick your category to get the 5%. 

I think that makes it a win in everyone’s book. Plus, there is no annual fee, which means cash back and no money leaving your pocket—a win-win.

Wells Fargo Active Cash Credit Card

Wells Fargo is getting into credit cards, and their Active Cash Credit Card offers a flat 2% on everything. 

• Welcome Offer: $200 bonus after spending $1,000 in the first three months of opening the card.
• 2% cash back on every purchase
• 0% APR for the first 15 months
• No annual fee

The Wells Fargo Active Cash Credit Card is a simple-to-use card that will get you 2% back on every purchase. 

There are no rotating category bonuses to worry about, no spending caps to worry about, and a flat 2%. It makes it simple to earn cash back. 

Final Thoughts

If you are looking for a great cash-back credit card to earn a bonus on the things you already spend money on, this list can help you determine which is best. They all have significant attributes, ranging from flat rates category bonuses to welcome offers. No matter what, you must make the best decision for your spending needs. Pay off those statement balances at the end of the month.