5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (2024)

KEY POINTS

  • The Blue Cash Preferred® Card from American Express earns 6% cash back at U.S. supermarkets (on up to $6,000 spent each year).
  • The Chase Freedom Flex® earns 5% cash back on rotating quarterly categories (up to $1,500).
  • The Prime Visa earns 5% cash rewards on Amazon, AmazonFresh, and Whole Foods, and Chase Travel purchases with an eligible Prime membershipv.

A few years back, I began to realize my suite of credit cards wasn't earning the most for my spending. My best credit card at the time earned 3% back on food, while my go-to card for every purchase earned 1.5%. When a friend told me that she was earning 5% back on nearly every purchase, I began to realize I was leaving money on the table -- a wake-up call that has helped me build the credit card arsenal I have today.

In my quest to earn 5% back on nearly every purchase, I've come across quite a few cards that deserve a permanent place in a 5%-earning wallet. While there are plenty of cards that might deserve mention, the following five are some of my favorites.

1. Amex Blue Cash Preferred

Good for: Grocery shopping

Featured offer: save money while you pay off debt with one of these top-rated balance transfer credit cards

Let's start with a card that doesn't earn 5% back. Instead, the Blue Cash Preferred® Card from American Express earns 6% cash back at U.S. supermarkets (up to $6,000 per year) and select U.S. streaming subscriptions, then 1% after (terms apply, see rates and fees). The card also earns 3% at U.S. gas stations and on transit, including ride hailing (terms apply; $0 intro annual fee for the first year, then $95.).

Ratings Methodology

5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (1) 2024 Award Winner

Blue Cash Preferred® Card from American Express

Apply Now for Blue Cash Preferred® Card from American Express

OnAmerican Express'Secure Website.

Terms apply

Rates & Fees 5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (2)

Rating image, 4.50 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (4)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (5)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (6)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (7)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (8)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (9)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (10)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (11)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (12)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (13)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (14)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (15)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (16)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (17)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (18) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (19)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (20)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (21)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (22) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (23)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (24)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (25) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (26)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (27) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (28) = Poor

Rating image, 4.50 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (29)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (30)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (31)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (32)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (33)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (34)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (35)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (36)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (37)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (38)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (39)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (40)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (41)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (42)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (43) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (44)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (45)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (46)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (47) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (48)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (49)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (50) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (51)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (52) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (53) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Blue Cash Preferred® Card from American Express

OnAmerican Express'Secure Website.

Terms apply

Rates & Fees 5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (54)

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

19.24%-29.99% Variable

Rewards6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-6% Cash Back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome OfferEarn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

  • This card offers market-leading cash back at U.S. supermarkets. The welcome bonus and intro APR offer sweeten the deal. Terms apply. If you spend a lot on groceries (excluding wholesale clubs and superstores like Costco and Walmart), this card is worth considering.Read Full Review

    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Travel and purchase protections
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations.
    • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
    • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
    • Terms Apply.

If you spend at least $6,000 at U.S. supermarkets each year, you would earn $360 in cash back, which becomes $265 after we subtract the annual fee. Meanwhile, a no-fee card that earns 3% back on groceries -- like the Capital One SavorOne Cash Rewards Credit Card -- would have earned just $180 on the same spending.

2. Citi Custom Cash Card

Good for: Flexible spending categories

To earn 5% back on nearly every purchase, you need at least one credit card with a flexible cash back rate; that is, a card whose 5% categories you can choose from a list. This can help you fill in the gaps where other cards would earn less. A few cards have flexible rates, but the Citi Custom Cash® Card is one of the few whose categories include those that take up nearly every household budget.

Ratings Methodology

Citi Custom Cash® Card

Apply Now for Citi Custom Cash® Card

OnCiti'sSecure Website.

Rates & Fees 5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (55)

Rating image, 5.00 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (57)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (58)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (59)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (60)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (61)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (62)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (63)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (64)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (65)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (66)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (67)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (68)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (69)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (70)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (71) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (72)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (73)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (74)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (75) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (76)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (77)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (78) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (79)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (80) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (81) = Poor

Rating image, 5.00 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (82)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (83)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (84)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (85)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (86)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (87)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (88)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (89)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (90)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (91)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (92)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (93)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (94)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (95)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (96) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (97)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (98)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (99)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (100) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (101)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (102)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (103) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (104)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (105) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (106) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Fair to Excellent (580-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Citi Custom Cash® Card

OnCiti'sSecure Website.

Rates & Fees 5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (107)

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% (Variable)

Rewards5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases. Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

1% - 5% cash back

Annual Fee

$0

Welcome OfferEarn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

20,000 ThankYou® Points

  • We love this card’s easy-to-use yet lucrative cash back program. Each billing cycle, cardholders earn 5% cash back in their top spend category (up to $500 spent in eligible categories). Eligible categories include grocery stores, restaurants, gas stations, select travel and more. The card automatically adjusts to your spending habits, which makes it easy to maximize your rewards.Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Foreign transaction fee
    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou®Points, which can be redeemed for $200 cash back.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

      Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

    • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
    • No Annual Fee
    • Citi will only issue one Citi Custom Cash® Card account per person.

The Citi Custom Cash® Card automatically applies the 5% cash back rate to your your top eligible spend category each billing cycle (up to the first $500 spent). So if you were to max out the rate each billing cycle, you'd end up with $300 in total cash back. Categories include the following:

  1. Drugstores
  2. Gas stations
  3. Grocery stores
  4. Fitness clubs
  5. Home improvement stores
  6. Live entertainment
  7. Restaurants
  8. Select streaming services
  9. Select transit
  10. Select travel

3. U.S. Bank Shopper Cash Rewards Visa Signature® Card

Good for: Walmart, Target, retail shopping

The U.S. Bank Shopper Cash Rewards Visa Signature® Card earns 6% back on your first $1,500 in combined eligible purchases each quarter from two retailers that you choose. These retailers currently include:

  • Ace Hardware
  • Apple
  • Amazon.com
  • Anthropologie
  • Bed, Bath, & Beyond
  • Best Buy
  • Chewy.com
  • Crate & Barrel
  • Disney
  • Home Depot
  • Ikea
  • Kohl's
  • Lowe's
  • Lululemon
  • Macy's
  • Menards
  • Nordstrom
  • Pottery Barn
  • QVC
  • Restoration Hardware
  • Target
  • Walmart
  • Wayfair.com
  • Williams Sonoma

Since many grocery credit cards don't count Walmart or Target as supermarkets, this card could give you a way to earn 6% on those two stores. The card has a $95 annual fee, which is waived for its first year. If you spend $1,583 on any combination of the stores above, the card's cash back would pay for its fee.

4. Chase Freedom Flex

Good for: Rotating categories, travel

The Chase Freedom Flex® earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, plus an unlimited 5% cash back on all travel booked through Chase Ultimate Rewards®.

Ratings Methodology

5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (108) 2024 Award Winner

Chase Freedom Flex®

Apply Now for Chase Freedom Flex®

OnChase'sSecure Website.

Rating image, 5.00 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (110)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (111)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (112)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (113)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (114)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (115)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (116)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (117)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (118)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (119)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (120)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (121)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (122)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (123)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (124) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (125)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (126)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (127)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (128) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (129)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (130)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (131) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (132)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (133) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (134) = Poor

Rating image, 5.00 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (135)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (136)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (137)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (138)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (139)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (140)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (141)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (142)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (143)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (144)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (145)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (146)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (147)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (148)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (149) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (150)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (151)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (152)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (153) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (154)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (155)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (156) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (157)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (158) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (159) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Chase Freedom Flex®

OnChase'sSecure Website.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

20.49%-29.24% Variable

Rewards5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual FeeN/A

$0

Welcome OfferEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus.Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash backon travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • No annual fee –You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

This gives you fresh ways to earn 5% cash back each quarter. If you max out the bonus categories, you can net $75 in cash back each quarter, or $300 annually. For 2024, the categories have included grocery stores, fitness clubs, gym memberships, hotel stays, restaurants, and qualifying Amazon purchases.

5. Prime Visa

Good for: General spending

For Prime members, the Prime Visa earns an unlimited 5% cash rewards on Amazon, AmazonFresh, and Whole Foods, and Chase Travel purchases with an eligible Prime membership. Since Amazon sells pretty much everything, this card can be an excellent way to earn 5% cash rewards on spending that doesn't fit neatly into other bonus categories. For example, you could use the card to buy electronics, games, books, clothing, sports equipment, and toys.

Ratings Methodology

Prime Visa

Apply Now for Prime Visa

OnChase'sSecure Website.

Rating image, 4.00 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (161)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (162)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (163)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (164)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (165)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (166)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (167)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (168)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (169)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (170)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (171)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (172)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (173)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (174)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (175) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (176)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (177)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (178)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (179) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (180)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (181)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (182) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (183)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (184) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (185) = Poor

Rating image, 4.00 out of 5 stars.5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (186)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (187)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (188)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (189)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (190)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (191)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (192)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (193)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (194)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (195)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (196)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (197)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (198)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (199)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (200) = Best
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (201)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (202)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (203)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (204) = Excellent
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (205)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (206)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (207) = Good
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (208)5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (209) = Fair
5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (210) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Prime Visa

OnChase'sSecure Website.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 29.24% Variable

RewardsEarn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

1% - 5% back

Annual Fee

$0

Welcome OfferGet a $200 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $200 Amazon Gift Card

  • If you have an Amazon Prime account, do we have the card for you! This one is part of Chase's lineup, and earns a whopping 5% cash rewards on Amazon, Whole Foods, and Amazon Fresh purchases. Best of all, that cash back is available to you as soon as the next day -- so if you make frequent Amazon purchases and have a Prime membership, you'll easily save.Read Full Review

    • Big Amazon and Whole Foods rewards
    • Instant Amazon gift card
    • No annual fee
    • Consumer and travel protections
    • No 0% intro APR offer
    • Requires Prime membership
    • Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
    • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
    • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
    • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
    • Earn unlimited 1% back on all other purchases
    • No annual credit card fee
    • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
    • Member FDIC

To be sure, no card earns a flat 5% back on every purchase. But when you put a few curated cards in the same wallet, you can earn that much on your biggest spending categories. If you're not earning 5% on (nearly) every purchase, add one or several of these rewards cards to your mix to generate rewards that you deserve to earn.

Alert: our top-rated cash back card now has 0% intro APR until 2025

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a lengthy 0% intro APR period, a cash back rate of up to 5%, and all somehow for no annual fee! Click here to read our full review for free and apply in just 2 minutes.

5 Credit Cards That Will Help You Earn 5% Back on Nearly Every Purchase (2024)
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