We’ve simplified things with our “Best Of” rankings for best cash back credit card offers. If you don’t have time to research cards, take advantage of our expertise! CashFreely is here to help you with the best cash back credit card offers. Need a primer on Cash back cards? Sign up for CashFreely Freely (for free) or check out Cash Back Cards 101.
Don’t Let Offers Disappear – We’ve seen a LOT of offers come and go. Some offers have clear expiration dates, and others just vanish without warning. My advice: If you are ready for another card, and you know the card you want… Don’t delay!
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Best Cash Back Credit Card Offers for December 2024
At CashFreely, we are all about maximizing great sign-up bonuses with the best cash-back credit cards. Our approach is to get the most cash back in the least amount of time. Sign-up bonuses are the #1 way to rack up cash back without spending a lot of money. Some people get more cash back in one bonus than they would in an entire year’s worth of spending on the same old card they’ve had for 5 years. Check out the BEST deals here.
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- Overall Starter Best Cash Back Credit Card: Chase Sapphire Preferred® Credit Card
- Overall Best Business Cash Back Card: Chase Ink Business Preferred® Credit Card or Chase Ink Business Cash® Credit Card or Chase Ink Business Unlimited® Credit Card
- Best Cash Back Personal Card for low spenders: Chase Freedom Unlimited® or Citi Double Cash® Card
- Easiest Cash Back Earning Personal Card: Citi Double Cash® Card (2% back on everything)
- Best Card for Gas, Groceries, and Restaurants: Citi Strata Premier℠ Card ($750 cash value)
- Best Cash Back Card for College Students/Grads: Discover It Student or Deserve® EDU Mastercard for Students
- Best Personal Cards for Carrying a Balance: Citi Double Cash® Card, or Blue Cash Everyday® Card from American Express
- Best Business Card for Carrying a Balance: Chase Ink Unlimited
- Best Personal Balance Transfer: Citi® Diamond Preferred® Card or Citi Double Cash® Card
Amazing Offers on Chase Business Cards
Chase Ink Business Preferred
A highly recommended business card for signup bonus and 3x (3% cash back) categories on the first $150,000 spent in combined purchases. All Ink cards earn Ultimate Rewards with the option of converting to cash back.
This business card has a great sign-up bonus and 3X categories. It’s hard to beat the Chase Ink Business Preferred if you’re looking for an all-around business card that has flexible redemption options and can be combined with your personal Chase Ultimate Rewards points.
- Earns 3X rewards (worth 3% cash back) on travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)
- Cash out points for 1 cent per point (e.g. 90,000 points = $900 cash)
- Points worth 25% more when redeemed for travel
- Cell phone protection against theft or damage
- No foreign transaction fees
Chase Ink Business Cash
Incredible signup bonus for a no-fee card. An excellent companion to the Ink Preferred, personal Sapphire Reserve or Sapphire Preferred. Like the personal Sapphire cards, this card earns valuable Chase Ultimate Rewards. As of 3/21/24, this card has a new multi-tiered offer where the points amount on the offer has not changed, but the spending required to hit the bonus has become significantly more achievable for many people. You now have 6 months to meet the spending requirement, where previously you only had 3 months.
- Earn 5X rewards (worth 5% cash back) (on first $25k spent) for phone, TV, internet, and office supply stores.
- Earn 2X rewards (worth 2% cash back) on gas and restaurants
- Cash out points for 1 cent per point (e.g. 75,000 points = $750 cash)
- No Annual Fee
Chase Ink Business Unlimited
A no-brainer, great business card with a great bonus, and great for carrying a balance. Earn unlimited 1.5% cash back on all purchases.
An all-round great cash back business card with no annual fee. It’s very simple. You earn unlimited 1.5 points per $1 spent on all purchases. This can be a great standalone card, but it is an excellent companion card to the Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!
- Earn 1.5X rewards on Everything
- Cash out points for 1 cent per point (e.g. 75,000 points = $750 cash)
- No Annual Fee
| Card | Sign-up Bonus | Spending Required | Annual Fee |
|---|---|---|---|
| Ink Preferred | $900 | $8,000 in first 3 months | $95 |
| Ink Cash | Up to $750 | $350 after spending $3,000 in first 3 months, plus an additional $400 after spending $6,000 total in first 6 months | $0 |
| Ink Unlimited | $750 | $6,000 in first 3 months | $0 |
Our Top Recommendations for Carrying a Balance
Best cards for Intro Purchases and Balance Transfer: If you’re looking to carry a balance, think about the Citi Diamond Preferred World Mastercard. The next best option would be the Citi Double Cash® Card. Note: You do not earn rewards for balance transfers. Make sure to check terms when applying. For great introductory offers, check out the Amex Blue Cash Everyday or Chase Freedom Unlimited because they also have a welcome bonus.
In addition to the welcome offer you receive after meeting the minimum spend requirement, you'll also receive 10% back as a statement credit on purchases made at restaurants worldwide within the first 6 months of card membership (up to $150 back). Definitely worth considering if you're looking for a cash-back card, as you'll earn 3% cash back on several credit cards. Cash back is received in the form of reward dollars that can be redeemed as a statement credit. Terms apply.
Best Business Cards for Carrying a Balance
A no-brainer, great business card with a great bonus, and great for carrying a balance. Earn unlimited 1.5% cash back on all purchases.
What’s Our Criteria for the Best Cards?
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- Bonuses – CashFreely seeks to maximize sign-up bonuses, so if great sign-up bonus offers come out, those cards will move up in the rankings.
- Value of points – Not all points and miles have the same value when it comes time to redeeming them. We take this seriously when helping you with the best credit cards with cash back rewards.
- Bonus spending requirement – We rank cards lower that require major spending ($10,000+) as part of sign-up bonus.
- Ease-of-use – Factors such as customer service and ease of cashing out play a factor in our rankings. We don’t want you to spend hours on the phone with poorly trained, off-shore customer service when you have a question about your card.
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