The Best Cash Back Credit Cards in 2022

There are a couple of new no-annual-fee cards that make the list of best cash back credit cards in 2021, including a card from US Bank that gives you 4% back at restaurants and a Mastercard from Chase with World Elite perks.

Every time you swipe a credit card, the merchant pays a fee in the neighborhood of 3%. Businesses that want to be profitable will factor those costs into the price of the products and services they offer.

The Best Cash Back Credit Cards in 2021

Today, I’ll review some of the best cards available for good old, simple cash back.

Personal Cards Offering Cash Back as a Flat Percentage

It doesn’t get any simpler than getting a flat percentage back on every dollar you spend.

Wells Fargo Active Cash

New to the market in 2021 is a simple cash back credit card that gives you 2% cash back on all purchases. No categories to track, no strings attached, and most importantly, no annual fee.

Chase Freedom Unlimited

The Chase Freedom Unlimited card offers $200 cash back after spending $500 in the first three months. The card also offers 3% back on restaurant and drugstore purchases, and a flat 1.5% cash back on all other purchases.

Capital One Quicksilver Cash Rewards Card

The Capital One Quicksilver Cash Rewards Card will also get you 1.5% back on all purchases. The early spend bonus on this card is $200 when you put a total of $500 on the card within the first three months.

Citi Double Cash Card

The Citi Double Cash Card offers a total of 2% cash back on all purchases: 1% when you charge and 1% when you pay. The card carries no annual fee and a 0% introductory APR on balance transfers for 18 months (fees apply).

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