Best Cash Back Credit Cards of October 2021

This fall, take a look at these cash back credit cards offering some of the most lucrative rewards rates and signup bonuses without charging exorbitant fees. If you can’t seem to settle on a cash back card for your wallet, any of the cards on this list can help guide your decision.

  • Wells Fargo Active Cash Card: Best for Flat-Rate Rewards
  • Blue Cash Preferred® Card from American Express: Best for Bonus Rewards
  • Discover it® Miles: Best for First-Year Rewards
  • Chase Freedom Flex: Best Cash Back Card with Rotating Categories
  • Capital One QuicksilverOne Cash Rewards Credit Card: Best for Fair Credit
  • Capital One Savor Cash Rewards Credit Card: Best for Dining and Entertainment

Best Cash Back Card for Flat-Rate Rewards: Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card helps you maximize the cash back you earn by offering a great flat-rate cash back on all purchases, all of the time.


  • Earn up to 2% cash rewards on all purchases.
  • Earn $200 cash rewards bonus after spending $1,000 in purchases within first three months of account opening.
  • 15 months of 0% intro APR financing on both new purchases and qualifying balance transfers
  • No annual fee


  • 3% foreign transaction fee

The Wells Fargo Active Cash Card offers 2% cash rewards every time you make a purchase, with no limits, categories or gimmicks. These cash back rewards apply to all purchases and there’s no limit on the amount of cash back you can earn.

This card also offers you a $200 new account bonus after spending $1,000 in purchases within three months of account opening. You also get 15 months of 0% intro APR on new purchases and balance transfers (after that the standard APR applies) with a 3% balance transfer fee (or $5, whichever is greater). Balance transfers must be completed within the first 120 days of account opening to receive the introductory offer. There’s also no annual fee for this card.

Best Cash Back Credit Card for Bonus Rewards: American Express Blue Cash Preferred® Card

When it comes to earning up to $400 of cash back on purchases you make the most, this card can’t be beat.


  • 6% cash back at U.S. supermarkets and on select U.S. streaming subscriptions.
  • Unlimited 3% cash back at U.S. gas stations and on transit.
  • $200 welcome bonus after you spend $3,000 in first 6 months of card membership.
  • Earn 20% back on purchases on the card within first 6 months of card membership (up to $200 in cash back).
  • 12 months of 0% intro APR on new purchases.


  • $95 annual fee, waived the first year.
  • 6% cash back at U.S supermarkets is limited to your first $6,000 spent each calendar year (then 1%).

There are a lot of bonus cash back options to get excited about with this card. First, there’s the whopping 6% cash back you receive on up to $6,000 spent at U.S. supermarkets each year. You also receive 6% back on select U.S. streaming subscriptions and 3% back on transit and at U.S. gas stations. You’ll also earn 1% cash back on all other purchases. This gives you the chance to earn up to $400 in cash back each year on groceries alone.

This card currently offers new accounts 20% back on purchases on the card within the first 6 months of Card Membership, (up to $200 back). Plus, earn $200 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership (received in the form of statement credits), for a total bonus of $350 cash back. You’ll also enjoy 12 months of 0% intro APR financing on new purchases (after that the standard APR applies). All of these opportunities to earn cash back make it well worth the card’s $95 annual fee, which is currently waived the first year.

See Rates & Fees. Terms apply*

Best for First Year Rewards: Discover it® Miles

The Discover it Miles Card offers 1.5 miles per dollar spent and miles are worth one cent each towards cash back. Plus, Discover will match your miles after your first year to give you a total of three miles per dollar, worth 3% of your spending as cash back.


  • Earn 1.5x Miles for every dollar spent, with no limits.
  • Earn a rewards match during your account’s first year.
  • 0% Intro APR for 14 months on purchases.
  • Redeem reward miles for travel statement credits or cash back.
  • Strong customer service.
  • No annual fee and no foreign transaction fees.


  • The Discover card offers few cardholder benefits.
  • No sign-up bonus.

The Discover it Miles Card can either be used as a cash back card or a travel rewards card since you can redeem your Miles for cash back or travel. You’ll receive unlimited 1.5x Miles per dollar spent on all purchases and Discover will match the miles you’ve earned at the end of your account’s first year. This gives you an amazing 3% cash back on all purchases made during your first year.

New cardholders will receive 14 months of 0% intro APR on purchases and a lowered intro balance transfer rate of 10.99% APR for the first 14 months (after that the ongoing rate applies). Discover is also well known for its excellent customer service and has very friendly policies such as no penalty interest rate, automatically waiving your first late payment fee and no annual fee or foreign transaction fees.