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Best Cash Back Credit Cards

Last update: Feb 24, 2015

best credit card deals Cash back credit cards make for a great addition to anyone’s wallet because they provide a straightforward earning and redemption mechanism in a currency that cannot be devalued by a credit card company. The best cash back credit cards tend to be those that keep things simple by providing attractive earning rates across all purchases. CardHub’s editors tend to avoid cards offering higher earning rates in rotating spending categories, as they require quarterly sign-up, are difficult to plan for, and are often not for the types of purchases that people make most often. The best cards also either do not charge annual fees or provide rewards that are easily lucrative enough to cover the fixed costs. The products listed below (some of which originate from CardHub advertising partners) were chosen by CardHub’s editors because they meet these characteristics.

Excellent Credit Best Cash Back Credit Card for Excellent Credit
Citi® Double Cash Card

citi double cash card Apply Now

  • Annual Fee: $0*
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 2%
  • Editor's Notes: Best for Cash Back Rewards. The Citi Double Cash Card is one of the best everyday rewards cards on the market given that it will earnmore
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Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver cash rewards credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. The relatively new Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s more
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Blue Cash Preferred® from American Express

american express blue cash preferred Apply Now

  • Annual Fee: $75
  • Rewards: Cash Back
    • Bonus: $150
    • Base Earn: 1%
    • Max Earn: 6%
  • Editor's Notes: The Blue Cash Preferred Card from Amex is one of the best everyday rewards cards on the market given its exceptional earning rates in important spendimore
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Good Credit Best Cash Back Credit Card for Good Credit
Capital One® Quicksilver® Cash Rewards Credit Card

capital one quicksilver cash rewards credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. The relatively new Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s more
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Fair Credit Best Cash Back Credit Card for Fair Credit
Capital One® QuicksilverOne® Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Limited History Best Cash Back Credit Card for Limited History
College Students
JourneySM Student Rewards from Capital One®

capital one student rewards credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 1.25%
  • Editor's Notes: Best for College Students. Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards withoumore
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BankAmericard Cash Rewards™ for Students Credit Card

bankamericard cash rewards students credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $100
    • Base Earn: 1%
    • Max Earn: 3%
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Non-College Students
Capital One® QuicksilverOne® Cash Rewards Credit Card

capital one quicksilverone cash rewards credit card Apply Now

  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Bad Credit Best Cash Back Credit Card for Bad Credit
Secured Card

Unfortunately, there are no cash back credit cards for people with bad credit. Below is the best secured credit card for people with bad credit.

Capital One® Secured MasterCard®

capital one secured credit card Apply Now

  • Min Deposit: $49, $99, or $200
  • Annual Fee: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (V)
  • Editor's Notes: Best Partially Secured Card. While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its clamore
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Unsecured Card

Unfortunately, there are no cash back credit cards for people with bad credit. Below is the best unsecured credit card for people with bad credit.

Credit One Bank® Credit Card with Gas Rewards

credit one credit card Apply Now

  • Annual Fee: $35 - $99
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 17.90% - 23.90% (V)*
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About our Editor's Picks

Our editors' recommendations for the Best Cash Back Credit Card are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your credit card. We work hard to present you with the most accurate credit card information, however, the credit card terms and conditions do not originate from us and thus we do not guarantee the accuracy of the information. Before applying for a credit card we recommend that you verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising status does not affect which cards show up on this page but may impact the order in which they appear. At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Ask our Experts
EXPERT’S ANSWERS

Why get the best cash back credit card and not the best travel rewards credit card?

By: Odysseas Papadimitriou, CardHub CEOIn a word, flexibility. Though certain travel rewards credit cards might be more lucrative, the best cash back rewards credit cards simplify redemption and broaden rather than limit the possible uses of your earnings. In addition, cash back credit cards represent a lower risk because credit card companies cannot devalue what you have already earned, as they can with rewards miles or points. Whether you don't travel enough to warrant getting a travel rewards credit card or you merely value the simplicity of cash rewards, you can't go wrong with the best cash back card.

How often do the best cash back credit cards change?

By: John Kiernan, Personal Finance EditorThe best cash back credit cards page changes whenever new deals that warrant inclusion are introduced. There is no specific timetable for this as credit card companies alter offers at their own discretion based on various economic trends. As a result, the best cash back credit cards for 2011 will likely differ from those for 2010.

Do the best cash back credit cards make rewards redemption easier?

By: Debra Wei, Personal Finance ReporterRewards redemption is very simple with all cash back credit cards. You earn rewards in terms of cash, which you receive in the form of checks or statement credits. There are no blackout dates, no risk of devaluation, no loopholes, no point benchmarks to reach, just a clear cash earning rate. The best cash back cards simply heighten the benefits provided by your typical cash back credit card.
COMMUNITY DISCUSSION

Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

 
Feb 24, 2015
By:

--Comment from Adriane Lynn--

Feb 24, 2015
I think Capital One Quick Silver is good for a first credit card. First i would like to state that i am very satisfied with my capital one quick silver card. I honestly use my card on a daily basis, its nice because they offer a 1.5% cash back on all items purchased. Another thing that i liked very much about capital one is that every 6 months they will evaluate your payment history, and if you have a clean payment history they will give you a credit increase. Overall i am a very satisfied custom with capital one! If you are someone who is not familiar with capital one yet i would suggest reading some of the previous comments below, i think the card speaks for itself!
Feb 24, 2015
By:

--Comment from Christina Petra Fernandez--

Feb 24, 2015
I think BankAmericard Cash Rewards™ for Students Credit Card is a good first credit card to get. It works well when you are young, and don't have a big salary job, yet. It's a nice and easy way to build up your credit at a young age, without having the annual fees and the big purchases. This is a credit card to use when you are making purchases on groceries or everyday things, that you intend on paying back right away! Instead of using a debit card, use this credit card, and then pay it back at the end of the month. Even the people working at BofA would not recommend that you make big purchases that you cannot pay off at the end of the month. This is a credit card that you get to build up your credit, so that eventually you can apply for better credit cards once out of school. This is a good starter-off credit card for first time credit card holders. Also, it is a good credit card to get if you already or plan on having a BofA checking and savings account, as well, because you earn more cash back. There is no annual fee, which is good for younger people, and there are no spending requirements.
Feb 24, 2015
By:

--Comment from Bee Heed--

Feb 24, 2015
The Chase Freedom card is my favorite cash back card. I use this as my everyday card for purchases on everything, whether it be clothes, dinners out, gas, or groceries. Since it's 5% cash back, you end up earning pretty quickly. I was surprised at how quickly I had a good amount of cash back. I can use that money to pay off more of my credit card or get gift cards to various retailers. I’ve used other types of rewards cards like flight and hotel ones, but cash is still my favorite. Overall, I’d highly recommend this card for anyone looking to earn rewards without spending high amounts on interest rates or annual fees.
Feb 18, 2015
By:

--Comment from Robert Marco Solis--

Feb 18, 2015
It’s hard to top the BankAmericard Cash Rewards Credit Card for students. I was still a student back then and it was my first-ever credit card. Back then, I was so hesitant about applying for credit cards, because for one, I didn’t need it, and another thing is I hate everything I hear about maxing out and being buried in card debt. The only reason why I applied for this (with a sales person who visited the store I worked in) is because I was told that I could get $100 cash back just for opening up an account and spending $500 within the first few billing cycles. Well who wouldn’t love another extra Benjamin right? So I took it and have been using it ever since. I particularly love the gas rewards (3%) because I work much farther now and I travel for a total of 2 hours every day. I also love how I can still gain at least 1% for every other type of purchase. At my spending rate, I am able to save $25 every three months. It may not sound a lot, but it’s better than nothing. Plus, the minimum payments and the overall APR are not too bad as well. I just have to be a responsible borrower of course. All-in-all, great cash back card!
Feb 18, 2015
By:

--Comment from Ella Lee--

Feb 18, 2015
I recommend the Citi Double Cash Card, because it has got the highest cash back rate of any reward card out right now. You get a total of 2% back, 1% on every purchase you make, and another 1% when you pay it off. They have wonderful customer service, and they are very informative and prompt whenever I call with a question. The card also has the new security chip in it, which makes me feel even more secure when I use it. Citi is on top of their game with this card. Highly recommended for anyone that wants to make the most out of their rewards on money you are spending anyway.
Feb 9, 2015
By:

--Comment from Aletha Roach--

Feb 9, 2015
I recently received an offer for the American Express Blue Cash Everyday Card. At first the offer seemed too good to be true, but I applied and received my card quickly. What attracted me to the card was the offer to get $200 cash back as long as you put $1000 on the card within the first three months. The offer also included a free year of Amazon Prime which is worth another $100. Since I use another cash back credit card regularly for bills and groceries I knew it wouldn't take long to put $1000 on the card. Within a couple days of doing so, I received the $200 statement credit and the code for my free year of Amazon Prime. I feel like this was an amazing offer, however the benefits don't stop there. There is no annual fee, and it has a zero percent APR for the first 15 months. You get 3% cash back at grocery stores, 2% cash back at gas stations, 2% at select department stores, and 1% on other purchases. I don't really see what's not to love here. This is my new favorite credit card.
Jan 22, 2015
By:

--Comment from Fish Ham--

Jan 22, 2015
I like the Capital One Quicksilver Cash Rewards Credit Card the most. I really love the fact that you are able to earn $100 extra bonus cash within the first three months if you spend a minimum of $500. Most people spend this easily in three months especially if you have kids, or you pay many of your bills via the card. It is also very neat that you earn 1.5% cash back on all purchases, most cards don't allow you to gain cash-back on all purchases and require special stores or restaurants to be shopped at. This is the best card on this page due to its numerous features and the inclusion of the 1.5% cash-back promise on any purchase. This feature alone makes having the card worth it.
Jan 16, 2015
By:

--Comment from Rebecca Hampton--

Jan 16, 2015
My favorite is the BankAmericard Cash Rewards card for students. The bonus is really nice because not a lot of card deals include that offer and it is really helpful for college students who are always in need of extra cash! It is easy to meet the $500 requirement just by buying textbooks, for example. The rest of the card package is not particularly flashy but it is just as good as most other cards, and the fact that this card is designed for people for almost no credit history makes it a perfect choice for someone just starting out. That's why I chose this card.
Jan 8, 2015
By:

--Comment from Melissa Jones--

Jan 8, 2015
I love my Citi Double Cash Back card. I've already earned a ton of cash back. The only thing that is frustrating is that there is a $25 minimum for redemption. My Discover It card allows me to use any amount towards my amazon checkout balance. I use Amazon a lot so I wish this was a feature for my Citi Double Cash Back card. Either way, I am getting 2% cash back on every transaction (1% when I buy and 1% when I pay) which is better than rotating categories with most other cards. Also, I was able to transfer a balance for 0% interest for 15 months which was great in managing my debt and the monthly interest amount.
Dec 9, 2014
By:

--Comment from Aly Clark--

Dec 9, 2014
The best cash back credit card in my opinion is BankAmericard Cash Rewards™ Credit Card for Students. This is because you get 1% cash back on any purchase at any time with no limits. Also, each quarter you get 2% cash back at grocery stores and 3% on gas for your first $1,500 spent in that quarter. The fact that the cash back has very few limits and that their are no annual fees makes this a great card. I handle most of my banking needs with Bank of America because of their great customer service and rewards. This card is another thing I have from this bank that I am very satisfied with. I would recommend it to anyone.
Nov 19, 2014
By:

--Comment from Ann Ueda--

Nov 19, 2014
I just received the Citi Double Cash back card. I'm really excited about it, because I earn 1% when I buy things and then another 1% when I pay off the transactions. That's a total of 2% back on all purchases. I've been researching the best cash back cards and this one is one of the best ones currently on the market.
Nov 19, 2014
By:

--Comment from Joey Okstone--

Nov 19, 2014
The best cash back credit card is the Discover IT card. You get cash back on all purchases and best of all, they a run a promotional period where once you sign up for the card, you get 5% cash back on all purchases for about 3 months or so. Another good thing is you can actually spend your points on purchases on Amazon and there is no minimum so if you have 300 points, you can spend all $3 at Amazon. I like this feature so you don’t have to wait to cash in you points.
Nov 14, 2014
By:

--Comment from Joseph Broski--

Nov 14, 2014
The best cash back credit card depends on what you can get. Usually if you have bad credit the best you're looking at is a retailer branded card which has high fees. Despite that, they do have two I would recommend. Both the Amazon and Best Buy credit cards. They usually give heavy cash back for purchases made for their own stores. Best Buy's also gives you several times the purchase points they normally would as well as help you retain your Elite status. There is also the Paypal Credit Card which gives cash back for every purchase. None of these have any annual fees, so check them out.
Nov 13, 2014
By:

--Comment from Ray Josephson--

Nov 13, 2014
I recently obtained the Chase Freedom card. I was impressed by the $200.00 cash back offer once I had made $600.00 worth of purchases on my card. It was a great feature that I had multiple ways to enjoy the money back. These options included to use the money towards travel expenses as well as have the money credited back to my credit card account. The customer service at Chase Freedom is top notch as well. I use my Chase Freedom card whenever I have purchases to be made.
Oct 22, 2014
By:

--Comment from MamaToks MaiTonde--

Oct 22, 2014
I have a Discover It credit card and it has been a life saver for me so far. The card offers 5% cash back on categories that change over the year. For the period from October 2014 to December 2014, for example, one can get 5% cash back on up to $1500 spend on online shopping and department stores. During other periods of the year, it might be 5% back on gas purchases. The very neat part is that you can rack up rewards quickly and there are so many options of where you can spend them. I spend most of my rewards at Amazon.com. I try to save them up until I have a decent chunk then I can splurge on something. The best part is that I don’t have to buy anything I would not ordinarily buy in order to get cash back.
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