Been thinking about getting a new cash back credit card?
Truth be told, there’s never been a better time. There are great new offers on both premium and no fee cash back credit cards alike.
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Summary of the best cash back credit card offers
Here are 6 top cash back offers right now, with cards that have an annual fee, as well as cards that don’t have one.
| Credit Card | Welcome Bonus | Earn Rates | Annual Fee, Income Requirements | Apply Now |
|---|---|---|---|---|
| BMO CashBack World Elite Mastercard |  $150 GeniusCash + Up to $480 cash back in the first year, first year free (terms) |
* 5% cash back on groceries, up to $500 in monthly spend * 4% cash back on transit, up to $300 in monthly spend * 3% cash back on gas, up to $300 in monthly spend * 2% cash back on recurring bills, up to $500 in monthly spend * 1% cash back on all other purchases |
* $120, first year free * $80K personal or $150K household |
Apply Now |
| American Express SimplyCash Preferred | 10% cash back for the first 3 months + $50 (terms) | * 4% cash back on gas and groceries * 2% cash back on all other purchases |
* $119.88 * No income requirements |
Apply Now |
| MBNA Rewards World Elite Mastercard | $150 GC Boost + 30,000 bonus points (terms) |
* 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) * 1 point per $1 spent on all other purchases |
* $120 * $80K personal or $150K household |
Apply Now |
| BMO CashBack Mastercard | $20 GeniusCash + 5% cash back for the first 3 months (terms) |
* 3% cash back on groceries (up to $500 per month) * 1% cash back on recurring bill payments (up to $500 per month) * 0.5% cash back on all other purchases |
* $0 * $15K personal income requirement |
Apply Now |
| American Express SimplyCash | 5% cash back for the first 3 months (terms) | * 2% cash back on gas * 2% cash back on groceries (up to $300 cash back annually) * 1.25% cash back on all other purchases |
* $0 * No income requirements |
Apply Now |
| MBNA Smart Cash Platinum Plus Mastercard | 5% cash back on gas and groceries for the first 6 months, up to $500 spent per month (terms) | * 2% cash back on gas and groceries, up to $500 in combined spend monthly * 0.5% cash back on all other purchases |
* $0 * No income requirements |
Apply Now |
up to $480 cash back in the first 12 months
GC: $150
BMO has a top offer with the
It’s up to $480 cash back in the first 12 months
With the BMO credit card you’ll earn up to 5% cash back on all other purchases. It’s for an annual fee of $120 and income requirements of either $80,000 personal, or $150,000 household.
Just note that the BMO offer is scheduled to end on October 31, 2021.
Up to $200 in statement credits
Our best cash back offer right now belongs to the
You’ll earn 10% cash back for the first 3 months, up to $2,000 in spend. Plus, earn $50 when you make a purchase on month 13. It’s an incredible offer to save money on your basic purchases.
On top of that, you’re earning:
- 4% cash back on gas and groceries
- 2% cash back on all other purchases
Just note that this card has an annual fee of $119.88.
Up to 30,000 bonus points, worth $249 in cash
×4 Award winner GC: $125 + $25
4x Award winner
While not a true cash back card, the
You’ll earn 30,000 bonus points after spending $2,000 in the first 90 days and signing up for paperless e-statements.
An MBNA Rewards points is worth 0.83 cents each (for this card only), giving the welcome bonus a value of $300.
On your purchases, you’ll earn up to 5 points for every $1 spent, a return of up to 5% when redeemed for cash.
This card has an annual fee of $120, with income requirements of either $80,000 personal or $150,000 household.
5% cash back for the first 3 months and our top balance transfer offer
In the no fee cash back division, the
For cash back, you’ll earn 5% cash back for the first 3 months, up to $2,500 in spend.
Once the bonus rate is over, this card earns:
- 3% cash back on groceries (up to $500 spent per month),
- 1% cash back on recurring bills (up to $500 per month), and
- 0.5% cash bacon all other purchases.
There’s also a great balance transfer offer if saving on credit card debt is your current game. You’ll get a rate of 0.99% for 9 months, with a low transfer fee of 2%.
Up to $100 in statement credits
Another top offer is with the
This card will get you 5% cash back for the first 3 months, up to $2,000 in spend. That’s a lot of bonus cash back on a no fee card.
On all your purchases, you’ll also be earning:
- 2% cash back on gas
- 2% cash back on groceries (up to $300 cash back annually)
- 1.25% cash back on all other purchases
5% on gas and groceries for the first 6 months
Our last offer has actually been around from quite some time on the
Unlike the other cards that give you rewards on all your purchases, this one earns bonus rewards on gas and groceries. You’ll earn 5% cash back on gas and groceries for the first 6 months, up to $500 spent per month.
Normally, this card earns 2% cash back on gas and groceries, giving the welcome bonus a value of $90.
On all other purchases, you’ll earn 0.5%.
A big plus with this card? The insurance. You’ll get 7 types of purchase and travel insurance. And it’s for no annual fee.
This same welcome offer is also available on the
Which cash back offer will you take advantage of?
There are lots of great offers out there if you’re in the market for a new cash back credit card.
Which offer appeals to you?
Let us know in the comments below.
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