Cashback

Monkey Miles Cashback Credit Cards

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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.

Learn More

*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(SM)

4.8
4.8/5

The Chase Freedom Flex(SM) 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

 

  • No Annual Fee
  • Earn $200 or 20k Ultimate Rewards after $500 spend in 3 months 
    • : Some have gotten 20k after $500 spend in 3 months + 10x on Grocery Stores ( excluding Target and WalMart ) up to $12k spend in 12 months. 
    • 5x on Bonus Quarterly Categories – each quarter members can activate a 5x category bonus on purchases up to $1500 per quarter on the selected categories
    • 5x on Travel purchased through Chase Travel
    • 3x on Dining  including take out/eligible delivery services.
    • 3x on Drugstore
    • 1x unlimited cash back on all other purchases.

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

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 (SM) 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

 

a close-up of a credit card

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Reader Referral

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

 

Learn More

Affiliate Link

Chase Freedom Unlimited®

4.8
4.8/5

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

  • 3x cash back on all purchases
    • 1.5x up front when you purchase
    • 1.5x bonus first year up to $20k total combine purchases
  • 4.5x cash back on drugstore purchases
    • 3x up front when you purchase
    • 1.5x bonus first year up to $20k total combine purchases
  • 4.5x cash back on dining at restaurants, including takeout and eligible delivery services
    • 3x up front when you purchase
    • 1.5x bonus first year up to $20k total combine purchases
  • 6.5x cash back on travel purchased through Chase Travel(SM)
    • 5x up front when you purchase
    • 1.5x bonus first year up to $20k total combine purchases
  • No annual fee
  • 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.

a close-up of a credit card

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®

4.6
4.6/5

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% 

 

a screenshot of a web page

 

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. 

Learn More

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

4.9
4.9/5

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
a silver credit card with white text

Learn More

Affiliate Link 

 

Chase Ink Business Cash® Credit Card

4.9
4.9/5

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
a credit card with a picture of a man

Learn More

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

4.6
4.6/5

Earn 2% cashback on purchases up to $50k a year, then 1x

Welcome Offer

 Earn up to $250 after $5k in 3 months

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%
  • 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. 

a credit card with a chip and a chip

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

4.8
4.8/5

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.

Miles' Top Credit Cards

a stuffed animal lying on a wood floor with many credit cards around it

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