5 Credit Cards to Earn More Cash Back in November 2024

Cash back credit cards save you money on everyday expenses by giving you a percentage of your spending as a reward. Many of these cards have no annual fees and offer one-time sign-up bonuses ranging from $200 to $300. With cash back rates up to 5% back, these cards can play a vital role in saving you money during the upcoming holiday season.

If you’re not using cash back credit cards right now — or you haven’t gotten a new one in quite some time — here are five top credit cards with huge earning potential.

1. Chase Freedom Flex

The Chase Freedom Flex® is one of the best cash back credit cards out there. It earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Currently, those spending categories are McDonald’s, PayPal, pet shops and vet services, and select charities.

The card also earns cash back in the following ways:

• 5% cash back on travel purchased through Chase Ultimate Rewards®
• 5% cash back on Lyft rides through March 31, 2025
• 3% cash back at dining and drugstores
• 1% cash back on all other purchases

Finally, the Chase Freedom Flex® offers a $200 bonuswhen you spend $500 in the first 3 months.

2. Discover it® Cash Back

The Discover it® Cash Back (see rates and fees) is another credit card that can turn your wallet into a high-performing cash back machine. Like the Chase Freedom Flex®, this card earns 5% cash back, up to a quarterly maximum of $1,500, on rotating categories. These categories must be activated quarterly and may include popular spending like grocery stores, restaurants, and gas stations.

But don’t get the wrong idea — this card isn’t a replica of the Chase Freedom Flex®. Not only do the cards rarely offer the same rotating categories within the same quarter, but the Discover it® Cash Back’s welcome bonus is structured differently. For new cardholders, Discover will match all the cash back you’ve earned at the end of your first year. If you earn $300 in cash back, Discover will give you another $300 as a bonus.

This bonus only applies for your card’s first year, but its unlimited potential could give you a sizable bonus that no other card can match.

3. Wells Fargo Active Cash Card

The Wells Fargo Active Cash® Card (see rates and fees) is a utility card that earns an unlimited 2% cash rewards on all purchases. This makes it an excellent companion to other credit cards. Since most cards earn only 1% on everyday spending, this card could double your rewards.

The card also offers an easy-to-earn $200 cash rewards welcome bonus when you spend $500 in the first 3 months. That breaks down to $167 in spending per month. Since this card is issued by Visa, it can also make an excellent Costco credit card.

4. Citi Custom Cash Card

Only a few credit cards will earn 5% back on popular spending categories; even fewer will let you choose those spending categories yourself.

That, in a nutshell, is the Citi Custom Cash® Card’s secret sauce: It earns 5% cash back on your top eligible spend category each billing cycle (up to the first $500 spent) from a list of 10 (see rates and fees). Some of these categories include popular options like restaurants, gas stations, and grocery stores. If you max out the spending categories each billing cycle, you can earn $300 each year.

The card also earns a 20,000 ThankYou® Points sign-up bonus after you spend $1,500 in purchases in the first 6 months of account opening. If you hit that spending threshold and max out your monthly 5% category, this card could yield $500 in the first year.

5. Amex Blue Cash Everyday

The Blue Cash Everyday® Card from American Express is a must-have for big-time grocery spenders and online shoppers.

The card earns 3% cash back at supermarkets, online retail purchases, and gas stations in the U.S., on up to $6,000 per year, per category. Terms apply, see rates and fees.

These cash back rates make it one of the best cards for groceries and gas. It also offers cardholders $84 in Disney Bundle credits (comes in $7 monthly statement credits) after you use your Blue Cash Everyday® Card from American Express to spend $9.99 or more on a Disney Bundle subscription. Terms apply.

These five cash back cards can help you generate some much-needed savings on your everyday purchases. For more cards like these, check out our curated list of best cash back credit cards.