Cashback
Monkey Miles Cashback Credit Cards
Miles
Here at Monkey Miles we strive to provide you the best credit card offers available, whether we make a commission or not. With that being said, we appreciate when you use our affiliate links when they are the best available since this is a source of income for our site, and how we keep Miles the Monkey happy.
How it Works – Cashback
Even if you’re not into points and miles, at the very least you should be carrying a great cashback card to earn a return on your expenses. Some cashback cards only earn a percentage back on your purchases. Others, if paired with premium cards from the same bank, can be converted into premium points and then transferred to partner programs. These cards are incredibly valuable and open up ways to earn multiple points on every dollar you spend.
- Best of Main Cast
*Reader Referral
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
Chase Freedom Flex®
Chase Freedom Flex® is an all out beast of card. Hands down, it’s one of the best on the market and offers a rotating 5x category bonus that allows helps you earn a ton of points.
Make sure you pair this card with a Chase Sapphire Preferred®, Chase Sapphire Reserve® or Chase Ink Business Preferred® for max value
Welcome Offer
$200 or 20k Ultimate Rewards after $500 spend in 3 months see card benefits for terms
Note this is a non-affiliate reader referral offer
Annual Fee
$0
Points Earned
Cash Back or non-transferrable Ultimate Rewards unless paired with a premium Chase card
- 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 back
- on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back
- on drugstore purchases
- dining at restaurants, including takeout and eligible delivery service,
- 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!
- No annual fee
- Member FDIC
Additionally, you’ll get World Elite Mastercard benefits, including
- Mobile Phone Insurance – Up to $800 per claim and $1,000 per year on mobile phone protection
- theft and damage on users listed on the phone bill paid by the cardholder
- Lyft – $10 in credit for every five rides taken in a calendar month
- This gets applied to the next ride
- 1x per month
- ShopRunner – free membership
- 2 day shipping at over 100 stores
- Fandango – 2x VIP+ points on movie tickets bought on the Fandango app or Fandango.com
- Mobile Phone Insurance – Up to $800 per claim and $1,000 per year on mobile phone protection
The best offer we’ve consistently seen is via reader referral= $200 after $500 spend in 3 months + an additional 5x category for 12 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
When you carry a Chase Sapphire Preferred® or Chase Sapphire Reserve®, the The Chase Freedom Flex® works exceptionally well in tandem.
It gives you the ability to earn 5x on rotating category bonuses each quarter which really expands your ability to earn points faster.
The base rate on the card is 1x though, so I’d recommend using this for the rotating category bonuses, but using a card that earns 1.5x or 2x for all your non-bonus spend. Like a Capital One Venture X, Venture Rewards, or Chase Freedom Unlimited
- Best of Main Cast
Reader Referral
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
Affiliate Link
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a no annual fee card that earns an unlimited 1.5x on all purchases and is a great everyday card in the USA.
It’s a fantastic card for those who prefer cash-back, OR to pair with either the Chase Sapphire Preferred® or Chase Sapphire Reserve®.
Welcome Offer
2 offers:
See benefits
Annual Fee
$0
Points Earned
Cashback/ Non-transferrable Ultimate Rewards
Reader Referral Offer
- Earn $200 ( 20k Ultimate Rewards ) after $500 spend in 3 months
- No Annual Fee
- 5x on Travel booked through Chase Travel(SM)
- 3x at Dining
- 3x Pharmacies
- 1.5% or 1.5x points on every purchase
Affiliate Offer
- Intro Offer:
- Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
- 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent,
- enjoy 5% cash back on travel purchased through Chase Travel℠,
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
- Unlimited 1.5% 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!
- Enjoy 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 Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Everyone needs a credit card that earns more than 1 point per dollar. The Chase Freedom Unlimited® earns an unlimited 1.5x on all purchases + has bonus categories for dining, pharmacies, and travel.
Points that you earn from this card can be combined with those from a Chase Sapphire Preferred®, Chase Sapphire Reserve® or Chase Ink Business Preferred® and then transferred to partner programs. You can read more about that here.
- Best of 2024
Non- Affiliate Link
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
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Bank of America Premium Rewards®
This card earns an unlimited 1.5% on all purchases; however, if you keep more than $100, with BofA or Merrill Lynch, you can earn up to 2.625% cashback which is incredible. I don’t have this card since I value transferrable points more, but if you’re a cashback king…it doesn’t get much better.
Welcome Offer
60,000 Points after $4k spend in 3 months
Annual Fee
$95
Points Earned
Cashback – up to 2.625%
If you keep more than $100k at Bank of America ( including retirement accounts via Merrill Lynch, etc ) you can earn up to 2.625% on all purchases. That is best in the business folks if you’re looking for cashback.
- Unlimited 1.5 points for every $1 spent on all other purchases
- Unlimited 2 points for every $1 spent on travel and dining purchases
- No expiration on your points as long as the account remains open
Earning cashback: Redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center
- Get up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees—automatically applied to your card statement.*
- Get up to $100 in Airport Security Statement Credits towards TSA PreCheck®/Global Entry Application fees, every four years.**
- Gold – 25% bonus
- Platinum – 50% bonus
- Platinum Honors – 75% bonus
The bonus is applied to the earn rates above…so 1.5x on all purchases with a 75% multiplier = 2.625%
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
- Best Business Cards
Affiliate Link
Note….you may be able to get a 120k offer in branch with a Chase Business Manger…YMMV
Chase Ink Business Unlimited® Credit Card
The Chase Ink Business Unlimited® Credit Card is a no annual fee card that earns an unlimited 1.5x on every single purchase without cap.
Welcome Offer
$750 (75k Ultimate Rewards) after spending $6k in 3 months
Annual Fee
$0
Points Earned
Cashback in the form of Ultimate Rewards
- 1.5x everywhere
- No Annual fee
- Cashback can be combined with a Premium Chase card and then transferred to partners.
90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months.
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Earn unlimited 1.5x on purchases.
I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.
- Chase Ink Business Preferred® Credit Card
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
Chase Ink Business Cash® Credit Card
The Chase Ink Business Cash® has no annual fee, gives you access to some great 5x bonus categories, and has a stunning welcome offer
Welcome Offer
Up to $750 or 75k Ultimate Rewards
- Earn $350 when you spend $3,000 on purchases in the first three months
- $400 when you spend $6,000 on purchases in the first six months after account opening
Annual Fee
$0
Points Earned
Cash Back in the form of Ultimate Rewards.
- 5x Bonus points at
- Office Supply stores
- Internet, Cable, and Phone Services
- capped at $25k
- 2x Bonus points at
- Gas Stations
- Restaurants
- capped at $25k
- 10% Business Relationship Bonus
- If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- .No Annual Fee
90k is the best offer we’ve seen on this card with a $6k spend requirement in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Ink Business Cash® gives you the ability to earn 5x points on purchases at office supply stores, internet, cable, and phone services up to $25k total a year. That’s 125k points if maxed out.
I know a lot of businesses incentivize their employees with gift cards as contest prizes, when they hit sales, thresholds, sign a new lease, renew contracts, etc. Many Office Supply stores sell gift cards and this gives you the ability to earn 5x points on office supply purchases. Pretty awesome if you ask me.
Also, if you carry a I’d highly recommend pairing this card with a Chase premium card so you can combine points and transfer them.
- Chase Ink Business Preferred® Credit Card
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
- Best of 2023
Non- Affiliate link
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy
The American Express Blue Business Cash™ Card
Earn 2% cashback on purchases up to $50k a year, then 1x
Welcome Offer
Earn up to $500 after $8k in 3 months
Annual Fee
Points Earned
Cashback
I prefer The Blue Business Plus™ Credit Card from American Express since it earns Membership Rewards and I value them at more than a penny a point…but, if cashback is your jam…this is pretty great at 2% and no fee.
- Earn $250 after $5k spend in 6 months
- 2% cashback on all purchases up to $50k throughout the year.
- 2% cashback on all purchases up to $50k a year, then 1%
- $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.
- No Annual Fee. *Rates and Fees; terms appl
We have seen $250 cashback after $3k spend in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
- Best of Main Cast
Non-Affiliate
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
Citi Double Cash® Card
Simply put…earn unlimited 2% cashback
Welcome Offer
$200 after $1500 spend in 3 months
Annual Fee
$0
Points Earned
Cashback Thank You points, but if held alongside Citi Premier they can be combined and transferred
You’ll earn 1% cashback when you make a purchase, and another 1% when you pay for the purchase = 2%.
There is no cap to the 2% back and it’s paid in the form of Citi Thank You points.
The strategy of holding this card is to pair it with the premium Citi Strata PremierSM card which earns transferrable Citi Thank You points.
Citi allows you to combine the cashback with the Citi Strata PremierSM points and transfer into partners. Similar to how the Chase system works.
It’s a great combo set of cards and the Double Cash has no annual fee…making it a no brainer.
This card could serve as your everyday card to use on purchases that don’t have a category bonus and earn a minimum of 2x on every purchase
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% when you pay for those purchases.
- Keep an eye on 0% interest offers as they fluctuate but can offer up to 18 months interest free.
We have seen $200 or 20k Thank You points after $1500 spend in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
How it Works – Cashback
Even if you’re not into points and miles, at the very least you should be carrying a great cashback card to earn a return on your expenses.
Some cashback cards only earn a percentage back on your purchases. Others, if paired with premium cards from the same bank, can be converted into premium points and then transferred to partner programs. These cards are incredibly valuable and open up ways to earn multiple points on every dollar you spend.
