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Balance Transfer Cash Back Credit Cards

balance transfer cash back credit cards

You might assume that cash back balance transfer credit cards offer cash back on the amount of debt you transfer, but that’s probably not true. You might think that a cash back balance transfer credit card will help you lower the cost of your debt while earning rewards on new purchases, but this is unfortunately not true either, unless the card also offers 0% on purchases. Why? Well, for starters, most issuers only allow you to earn rewards on purchases. In addition, buying things with a balance transfer credit card is ill-advised. The fact that you’re already revolving your transferred debt means you no longer have a grace period for payments, and whatever you charge will begin incurring interest immediately. As a result, while there are likely to be 0% balance transfer cash back credit cards listed below, it’s a good idea to apply the Island Approach in order to isolate the single best card for each of your needs and benefit overall. More specifically, you should get both the best balance transfer credit card in order to pay down your existing debt at the lowest cost and the best cash back credit card with which to make everyday purchases that you pay for in full.

Expand your search past Balance Transfer Credit Cards with Cash Back Rewards

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    3.5

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS until June 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

     
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    4

    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department stores
    • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

     
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    4

    Blue Cash Preferred® from American Express

    blue cash preferred credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $150
    BASE EARN 1%
    MAX EARN 6%
    • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

     
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    4

    Blue Cash Everyday® Card from American Express

    blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 3%
    • Get $100 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

     
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    3.5

    Citi® Double Cash Card

    citi cashreturns mastercard
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 2%
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

     
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    4

    Dollar Bank Valued Customer Visa® Credit Card

    dollar bank valued customer visa credit card
    • 0% PURCHASES 6 months
    • 0% TRANSFERS 6 months ;   Fee.....1% (max $150)
    • REGULAR RATE 12.24% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.25%
    MAX EARN 1.25%
    • Earn a 1.25% cash back rebate on card purchases.

     
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    4.5

    First National Bank of Omaha Discover® Credit Card

    first national bank of omaha discover credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 15.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 1%
    • Earn 1% Cash Bank on all purchases. Cash Back is based on points earned. You have 3 years from when points are awarded to use them before they expire.

     
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    4

    Discover it® Credit Card

    discover it credit card
    • 0% PURCHASES 14 months
    • 0% TRANSFERS 14 months ;   Fee.....3%
    • REGULAR RATE 10.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 5%
    • Get 5% Cashback Bonus on up to $1,500 in Online Shopping and Department Store purchases from October through December 2014.
    • Earn 1% cash back on all other purchases.
    • Get 5-20% cash back at 200+ online retailers like Apple Store, Macy's and BestBuy.com through ShopDiscover.com
    • Choose from millions of items at Amazon.com and Pay with Cashback Bonus. $1 cash back = $1 at checkout

     
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    3.5

    PNC CashBuilder® Visa® Credit Card

    pnc bank visa platinum credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.25%
    MAX EARN 1.75%
    • Earn 1.75% cash back on all your net purchases for the first billing cycle after account opening.
    • Earn a minimum of 1.25% cash back on just about every purchase.
    • Earn 1.50% cash back when you make adjusted purchases totaling $2,000-$3,999.99.
    • Earn 1.75% cash back when you make adjusted purchases totaling $4,000 or more.
    • Earn same cash back rate on ALL categories, including travel, gas, groceries and more.

     
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    3

    Pink Ribbon Credit Card

    pink ribbon credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 3%
    • Get a $100 cash rewards bonus after making $500 in purchase(s) within the first 90 days.
    • 1% cash back on every purchase.
    • 2% on groceries and 3% on gas for the first $1,500 in combined gas and grocery purchases each quarter.
    • Choose how you want to receive your cash. Have it deposited into any checking or savings account, credited to your statement or sent directly to you.
    • Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.

     
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