Best US cash back credit cards 8


I have only one thing in my mind when choosing credit cards. ‘Cash is the King’. The flexibility of cash gives me an absolute advantage over other travel rewards credit cards. I researched a bit of the US cash back credit cards and there are 3 strong contenders based on a cash back point of view.

  Chase Freedom Blue Cash Everyday- American express Discover it
Annual fee No annual fee No annual fee No annual fee
Bonus 1 $100 bonus after spending first $500, $100 bonus after spending first $1,000, N/A
Bonus 2 $25 bonus after adding first authorized user Get one year of Amazon Prime with Free two day shipping N/A
Bonus 3 0% APR on purchases and balance transfer for 15 months 0% APR on purchases and balance transfer for 15 months 0% APR on balance transfers for 18 months
Bonus 4 Various car rental insurance, roadside assistance, travel insurance 0% APR on purchases for 6 months
Cash back 1 5% cash back selected stores for selected period 3% of US supermarkets up to $6,000 per year, 5% cash back for online shopping and other department store for selected period
Cash back 2 5% cash back on every 3months categories 2% US gas station and US department stores 1% cash back on all other purchases
Cash back 3 Unlimited 1% cash back on everything else 1% on other purchases

All three are really good but my favorite is the Blue Cash Everyday-American express as I know that more than 70% my major purchases every month are grocery and gas. This gives me 3% over grocery store purchases and 2% on US gas station for no annual fee. Chase Freedom isn’t too bad for 5% cash back at selected category but I don’t think I can control my spending efficiently if I have to wait for the right time to purchase on movie theaters, starbucks (which I am trying to stay away anyways)

What is your favorite US credit card and why?

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