Best Cash Back Credit Card

Up-to-date as of: May 23, 2013

best cash back credit card 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, 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. Read more about our Editor's Picks for the Best Cash Back Credit Card.

Excellent Credit Best Cash Back Credit Card for Excellent Credit
Capital One® Cash Rewards - $100 Cash Back Bonus

capital one no hassle cash rewards excellent credit Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Initial Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
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Blue Cash Preferred® from American Express

Blue Cash Credit Card Apply Now

  • Annual Fee: $75
  • Rewards: Cash Back
    • Initial 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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Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

chase freedom credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Initial Bonus: $100
    • Base Earn: 1%
    • Max Earn: 5%
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Good Credit Best Cash Back Credit Card for Good Credit
Capital One® Cash Rewards - $100 Cash Back Bonus

capital one no hassle cash rewards excellent credit Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Initial Bonus: $100
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Learn More »
 
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

chase freedom credit card Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Initial Bonus: $100
    • Base Earn: 1%
    • Max Earn: 5%
  • Learn More »
Fair Credit Best Cash Back Credit Card for Fair Credit
Capital One® Cash Rewards for Newcomers

capital one cash rewards credit card for new to credit Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Initial Bonus: None
    • Base Earn: 1%
    • Max Earn: 2%
  • Editor's Notes: Finding a card with no annual fee should be the biggest concern for inexperienced consumers, as issuers often like to use fixed costs to offset the rimore
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Capital One® Cash Rewards

capital one no hassle cash rewards Apply Now

  • Annual Fee: $39
  • Rewards: Cash Back
    • Initial Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Learn More »
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
    • Initial Bonus: None
    • Base Earn: 1.25%
    • 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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Citi® Dividend® Card for College Students

Student Credit Card Offer from Citibank Apply Now

  • Annual Fee: $0*
  • Rewards: Cash Back
    • Initial Bonus: None
    • Base Earn: 1%
    • Max Earn: 5%
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Non-College Students
Capital One® Cash Rewards for Newcomers

capital one cash rewards credit card for new to credit Apply Now

  • Annual Fee: None
  • Rewards: Cash Back
    • Initial Bonus: None
    • Base Earn: 1%
    • Max Earn: 2%
  • Editor's Notes: Finding a card with no annual fee should be the biggest concern for inexperienced consumers, as issuers often like to use fixed costs to offset the rimore
  • Learn More »
 
Capital One® Cash Rewards

capital one no hassle cash rewards Apply Now

  • Annual Fee: $39
  • Rewards: Cash Back
    • Initial Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Learn More »
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 - $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.

VISA® Platinum from Credit One Bank®

credit one credit card Apply Now

  • Annual Fee: $75 1st yr, $99 after
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 23.9% (V)
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