Verified November 14, 2026 • US Smart Money
Best US Cashback Credit Cards & Bank Bonuses (November 2026)
Every welcome bonus, annual fee, and APY below is verified directly on the issuing bank's official US offer page.
| Card / Account | Welcome Bonus | Annual Fee | Key Rewards / APY | Official Offer |
|---|---|---|---|---|
| Chase Ink Business Cash® | $750 cash back ($6K spend / 3 mos) | $0 | 5% office supply & internet/phone (up to $25K/yr), 0% intro APR 12 mos | Chase ↗ |
| Chase Sapphire Preferred® | 75,000 points ($5K spend / 3 mos) | $95 | $100 Chase Travel hotel credit, $120 TSA/GE credit, 1-yr Apple TV & DashPass | Chase ↗ |
| Capital One Venture Rewards | $300 Travel credit + 75K miles ($4K / 3 mos) | $95 | Unlimited 2X miles everywhere, 5X on Capital One Travel, $120 TSA/GE credit | Capital One ↗ |
| Citi Double Cash® Card | $200 cash back ($1.5K spend / 6 mos) | $0 | Unlimited 2% cash back (1% buy + 1% pay), 0% intro BT APR 18 mos | Citi ↗ |
| Wells Fargo Active Cash® | $100 cash rewards ($500 spend / 3 mos) | $0 | Unlimited 2% cash rewards, 0% intro APR 12 mos, $600 cell phone protection | Wells Fargo ↗ |
| Discover it® Cash Back | $200 bonus ($500 spend / 3 mos) + Year-1 Match | $0 | 5% rotating categories (up to $1,500/qtr), 0% intro APR 15 mos | Discover ↗ |
| SoFi Checking & Savings | Up to $400 cash bonus (direct deposit) | $0 | Up to 4.40% APY boost for 6 months (1.10% boost over 3.30% APY) | SoFi ↗ |