This article is brought to you in partnership with The Points Guy.

‍

Advertiser Disclosure: This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

‍

When it comes to racking up credit card rewards, the key is to play it smart. Think about it: if you’re using just one card for everything, you’re probably missing out on some serious rewards. The trick is to have a few different cards, each one geared for different spending categories. But let’s be real, the world of credit cards can be confusing, and finding the right ones can be overwhelming. That’s why our guide is a game changer. We spotlight the best of the best cards for major spending categories. You won’t just earn more points or cash back; you’ll also get your hands on some awesome benefits that come with these cards. So, let's make your expenses work for you!

‍

In this edition, here's our rundown of the Best Cashback Cards of April 2024, broken down by:

‍

• Personal Cashback Cards
• Business Cashback Cards

‍

Personal Cashback Cards

‍

Best for gas and supermarkets: Blue Cash Preferred® Card from American Express‍

The Blue Cash Preferred Card from American Express is highly acclaimed for its exceptional cashback rewards in everyday spending categories. It offers a whopping 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% thereafter), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, 3% Cash Back at U.S. gas stations, 1% Cash Back on other purchases. Cardholders also receive a $7 monthly statement credit when using their enrolled Blue Cash Preferred Card to spend $9.99 or more each month on a subscription to the Disney Bundle, which includes Disney+, Hulu, and ESPN. With a $95 annual fee (see rates & fees) that is easily offset by the rewards for regular spenders, this card is perfect for those who want to maximize returns on everyday expenses. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

‍

Best for balance transfers: Citi® Double Cash Card

The Citi Double Cash Card offers a unique rewards structure. It rewards cardholders with 1% cash back on purchases and an additional 1% when those purchases are paid off, effectively yielding a 2% return on all spending. It also comes with a long 0% introductory APR of 18 months from date of first transfer (when transfers are completed within 4 months from date of account opening - see rates & fees). This straightforward, no-fuss approach to earning rewards, combined with no annual fee, makes it an excellent choice for those seeking a simple yet effective cashback card.

‍

Best for bonus categories: Chase Freedom Unlimited®

The Chase Freedom Unlimited Card is our favorite no-nonsense cashback card. It offers a base 1.5% cashback rate on all purchases, with 5% back on travel purchased through the Chase Travel portal and 3% back in useful categories like travel, dining, and drugstore purchases. The card also has no annual fee, making it a cost-effective choice. Additionally, it often includes an introductory 0% APR period for purchases and balance transfers, which can be beneficial for managing finances. Last but not least, it comes with other perks and protections, such as purchase protection and extended warranty, adding value beyond just the rewards.

‍

Best for entertainment cash back: Savor Rewards from Capital One

The Savor Rewards from Capital One card is one of the most rewarding credit cards available, catering to entertainment aficionados and foodies alike. It offers a generous 4% back on entertainment, dining, and grocery store purchases, making it a top choice for those who spend significantly in these categories. If you spend in these categories regularly, you'll more than pay for the $95 annual fee each year The card also earns 1% back on all other purchases. Cardholders also earn 10% back on purchases made through Uber & Uber Eats through 11/14/24 and 5% cash back on hotels & car rentals booked through Capital One Travel. The card also includes access to premium dining experiences and entertainment events. With these benefits, the Savor Rewards card is ideal for those looking to maximize rewards on their dining and entertainment spending.

‍

Best for Rotating Categories: Chase Freedom Flex℠

Since Chase introduced it a few years ago, the Chase Freedom Flex has gained a strong following from credit card aficionados. Why? It does an awesome job of providing rewards in fixed and rotating bonus cashback categories. It earns 5% on travel purchased via Chase Ultimate Rewards, 5% on up to $1,500 in purchases in rotating quarterly categories, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, and 1% everywhere else. Bonus: it carries excellent travel protection, cell phone protection, and partner benefits for a no-annual-fee card.

‍

Best for Flexibility: Citi Custom Cash® Card

We're fans of the Citi Custom Cash Card because of its flexibility. It offers 5% cash back on purchases in your top eligible spending category each billing cycle, up to the first $500 spent, and 1% cash back thereafter. This adaptability makes it ideal for varying spending patterns. It comes with a 0% introductory APR on purchases and balance transfers for 15 months, followed by a variable APR (see rates & fees). This card has no annual fee, increasing its appeal for cost-conscious folks.

‍

Best for Less than Stellar Credit: Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card is ideal for those with average to fair or limited credit, offering a straightforward cash back rewards program. It stands out for its simplicity and inclusivity, making it a good option for those looking to build or improve their credit while earning rewards. The card features a flat 1.5% cash back rate on all purchases, without any rotating categories or spending caps. This universal earning rate means cardholders can accumulate cash back on every purchase they make, which is an appealing aspect for those who prefer a hassle-free rewards system. A unique aspect of the QuicksilverOne card is its accessibility to those with less-than-perfect credit, which is not always common in cards offering cash back rewards. While it does come with an annual fee (see rates & fees), this fee can be justified by the benefits it offers, especially for those focused on building credit.

‍

Best for Gas and Groceries without an Annual Fee: Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is a popular credit card known for its cash back rewards program and for good reason. It caters to those seeking rewards on everyday purchases without paying an annual fee (see rates & fees). The card earns 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% thereafter), 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year (then 1% thereafter), 3% Cash Back at U.S. gas stations, on up to $6,000 per year (then 1% thereafter), and 1% Cash Back on other purchases. Additionally, the card has awesome American Express perks, such as fraud protection, car rental loss and damage insurance, and access to Amex Offers, which provides discounts or bonus rewards at select merchants. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

‍

Best for Students: Capital One SavorOne Student Cash Rewards Credit Card

The Capital One SavorOne Student Cash Rewards Credit Card is our choice for the best cashback card for students looking to earn cash back on their everyday spending and build their credit. Tailored for the student lifestyle, it offers 3% cash back rewards in categories like dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target). It also offers 1% cash back on all other purchases. A standout feature of this card is that it's student-friendly, requiring no credit history, which makes it accessible for young adults just starting to build their credit. Additionally, it comes with no annual fee (see rates & fees), which is beneficial for students mindful of extra expenses. The card also provides some valuable perks often found in more premium credit cards, such as no foreign transaction fees, making it a good option for students studying abroad or traveling. Plus, it offers other benefits like travel accident insurance, extended warranty, and 24-hour travel assistance services. Overall, the Capital One SavorOne Student Cash Rewards Credit Card is an awesome choice for students who want a simple yet rewarding credit card experience, with the added bonus of building a healthy credit history.

‍

Business Cashback Cards

‍

Best for Simplicity: Ink Business Unlimited® Credit Card

The Ink Business Unlimited Credit Card is a compelling choice for small business owners, offering a straightforward reward system with no annual fee. Cardholders earn an unlimited 1.5% cash back on all purchases. The card also features a 0% introductory APR for 12 months. After that, the variable APR for purchases is 18.49% to 24.49%. Keep in mind that its 1.5% cash back rate might not be optimal for businesses with high spending in specific categories like office supplies or travel. The card also includes a 3% foreign transaction fee, making it less than ideal for businesses with frequent international transactions. Still, you can maximize the power of this card by transferring the cash back you earn with it to cards like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, and Ink Business Preferred® Credit Card.

‍

Best for Streamlined Spending: Capital One Spark Cash Plus

The Capital One Spark Cash Plus is another similar no-nonsense business cash back card, earning a flat 2% on all purchases. It also earns 5% cash back on hotels and rental cars booked through Capital One Travel. This card stands out with its lack of a preset spending limit and no annual fee for employee cards (see rates & fees). Keep in mind: it does come with a $150 annual fee. The card  provides a unique yearly cash bonus for high spenders and does not charge foreign transaction fees, adding to its appeal for businesses with international dealings.

‍

Best for Office Supplies and Technology Spending: Ink Business Cash® Credit Card

The Ink Business Cash Credit Card is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations on purchases up to $25,000 per year. Other benefits of the card include no annual fee, no additional cost for employee cards, and various travel and purchase protection benefits like rental car insurance, purchase protection, and extended warranty protection. The card also integrates well with other Chase Ultimate Rewards cards like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, and the Ink Business Preferred® Credit Card, allowing cardholders to potentially increase the value of their rewards when used in combination with these cards.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.