Blue Cash from American Express
800-223-2670Once you've charged $6,500 in a year, you get 5% back on grocery, drugstore and gas purchases and 1.5% on everything else vs. 1% for the average cash-back card. (Below $6,500 you earn 0.5% to 1%). Blue credits the cash to your account automatically, so you don't risk leaving rewards on the table. Interest rates start at 10.99%.
NEXT: If you want cash back (and you spend small)