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Best Cash Back Credit Card

Last update: Nov 20, 2014

best credit card deals Cash back credit cards are the most flexible type of rewards credit cards because they allow you to earn rewards on all of your purchases and, most importantly, redeem these rewards for cash which can be used to purchase anything. In compiling the list of the best cash back credit cards (some of which originate from CardHub advertising partners), our editors tried to find products that met as many, if not all of the following criteria: 1% cash back on all purchases, higher earning rates for certain purchase categories and an initial cash back bonus.

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

citi cashreturns mastercard Apply Now

  • Annual Fee: $0*
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 2%
  • Editor's Notes: The Citi Double Cash Credit Card has quickly become a leader in a number of key market segments, thanks to its generous terms. For starters, the cardmore
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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: The newly-branded Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s rewards earning arsenal. Its 1.5% cmore
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Blue Cash Preferred® from American Express

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  • Annual Fee: $75
  • Rewards: Cash Back
    • Bonus: $100 + 1yr of Amazon Prime
    • 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: The newly-branded Quicksilver Card assumes the role once held by the No Hassle Cash Rewards Card in Capital One’s rewards earning arsenal. Its 1.5% cmore
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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: Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a stramore
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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: Not only does the Capital One Journey Student Rewards Card offer straightforward, lucrative rewards without charging an annual fee, it also promotes gmore
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BankAmericard Cash Rewards™ for Students Credit Card

bankamericard cash rewards for students 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: Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a stramore
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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: While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its class, the fact that it can be a partially-securemore
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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

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  • 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: Sonia GarrisonRewards 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.)

 
November 19, 2014
Photo of Ann U.
By:
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.
November 19, 2014
Photo of Joey O.
By:
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.
November 14, 2014
Photo of Joseph B.
By:
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.
November 13, 2014
Photo of Ray J.
By:
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.
October 22, 2014
Photo of MamaToks M.
By:
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 more
October 9, 2014
Photo of Joao L.
By:
I have the bank of america cash back credit card and it is the best credit card I have. First of all every time I use my card at the gas station I get three percent cash back. When I use my Credit card at the Groceries store I get two percent cash back and on any other purchase I get one percent cash back. Just last month I got over 300.00 in cash back. I love how every time I use my card I get something in return and on top of all this I get a ten percent bonus if I put my Cash back in my bank more
October 3, 2014
Photo of Manda B.
By:
I have the Best Buy Mastercard. It has cash rewards of 5% (for Best Buy purchases) and 1-2% on all other purchases. It isn't a lot, but for a small limit to build credit, it's fantastic! The APR isn't too crazy, especially compared to a lot of options available for less than great credit. When applying, I was just looking for in-store credit, and I qualified for this, which was a pleasant surprise. It's the first time I've ever qualified for actual credit anywhere that wasn't secured. I have never had all too great credit but I have tried the last couple years to improve my score and credit history. more
October 2, 2014
Photo of Ken W.
By:
The BankAmericard Cash Rewards for Students Credit Card has served my needs pretty well. I got it when I had little to no credit, and it has offered pretty good cash back rewards ever since. It offers 1% on all purchases, with certain purchases offering higher percentages. You can also enroll in a rewards program that allows for up to 10-15% cash back when you shop at certain locations. There is no annual fee. One drawback may be that the limit tends to be on the lower side, since it is for people with limited credit. I have since gotten other cards with better limits, but still like this card more
October 2, 2014
Photo of Don R.
By:
Discover card is a great cash back credit card. If you use your card wisely and pay the balance in full each month, it costs you nothing to use while you earn cashback rewards of up to and greater than 1% of your spending. There are special limited time offers of increased cashback in specific categories. There are several alternative ways to redeem your cashback rewards. I have been using this card for 27 years and have been very happy with it.
September 9, 2014
Photo of Kate M.
By:
I've been using Chase Freedom ever since they same onto the market in my area. The Chase Freedom card is a great cash back reward card because you have so many choices on how to use points given to you by purchases you make. You can redeem it back for cash, use the credit on amazon.com, or use them for travel expenses in various ways. Why have a card which only gives you one choice? With the Chase Freedom card, you have freedom to spend the cash back however you like and that's why I love this card.
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