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Cash Back Credit Cards

Cash Back Credit Cards

Cash back credit cards refund a certain percentage of your charges either in the form of a statement credit or via check, thereby lowering the effective cost of the purchases that you make. While cash back rewards are typically considered the most straightforward, hassle-free rewards currency, there are a few issues to keep in mind when attempting to compare cash back credit cards. ...show more

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    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS until May 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.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    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 July 1 and September 30, 2014 at gas stations and Kohl's®
    • 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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    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $99
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.90% - 23.90% (V)*
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    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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    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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    TrueEarnings® Card from Costco and American Express

    costco credit card
    • 0% PURCHASES 6 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 3%
    • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
    • You will receive your cash back annually in the form of a reward coupon
    • The Two-In-One Card: it's an American Express® Card and Costco membership Card, with no annual fee for Costco members
    • Maximize your cash back: Add additional Card Members to help get more cash back for you, also with no annual fee for Costco members
    • Terms and restictions apply.

     
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    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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    Ace Rewards® Visa Credit Card

    ace credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN up to 10%
    • Up to 10% back quarterly in popular categories.
    • Up to 5% back on Ace purchases.
    • 2% back on gas and groceries.
    • 1% in Rewards everywhere else Visa is accepted.

     
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    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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    Ask our Experts
    EXPERT’S ANSWERS

    What is cash back and how does it compare to points & miles?

    By: John Kiernan “Cash back” is one of the three main rewards currencies, along with points and miles. When you have a credit card with cash back, a certain percentage of each purchase you make is returned to you via check, statement credit or gift card. The main advantage of cash back rewards is that they earned and redeemed in terms of dollars (and not points and miles that must be converted into corresponding amounts of specific goods or services). As a result, cashback rewards are not only the easiest to understand, but perhaps more importantly, cannot be devalued and can be used for any type of purchase. On the other hand, points and miles may allow you to get more bang for your buck IF you redeem often and toward the card’s intended purpose (e.g. if you have a Starwood Hotels Credit Card, you’ll get significantly more value on points redeemed for Starwood nights than, say, an iPad).

    Are there different types of credit cards with cash back?

    By: Odysseas Papadimitriou There are indeed different types of cash rewards credit cards, and they tend to differentiate from each other for one of three reasons. First of all, they differ based on credit level. For example, cash back credit cards for people with fair credit offer different terms than most excellent credit cash back credit cards, and so on.

    Second, some cash rebate credit cards are intended for specific consumer segments. Cash back student credit cards are a prime example of this. Despite the fact that college students typically have limited credit, the cash rewards credit cards they’re offered are different than those for people with no or limited credit. Most issuers are eager to establish relationships with college students and the competition leads to better rewards for this consumer demographic. Small business owners also have their own cash back cards, as their needs and spending habits differ from the general consumer population.

    Third, some credit cards with cash back only allow you to earn the most cash possible if you make purchases through affiliated companies. This type of card is most common in the gas, airline and hotel rewards categories.

    Obviously, within these general types of cashback credit cards, individual offers will also differ from one another due to earning rates, tiered rewards structures and caps.

    What to look for on a cash back credit card application?

    By: John Kiernan While cash is undoubtedly the most straightforward rewards currency, you must keep an eye out for the following things if you are to effectively evaluate cash back credit card offers and maximize the value of the card you ultimately open:
    1. Tiers: With some cards, you earn cash back at a particular rate until you’ve spent a certain amount of money or a specific amount of time elapses, at which point another cash back earning rate (sometimes higher than the original rate, sometimes lower) kicks in. For example, you might get 5% cash back on dining for the first six months that you’re a cardholder and only 1% thereafter. Rewards tiers can thereby seriously affect the value provided by any cash credit card.
    2. Caps: Some cash reward credit card offers also limit the amount of cash back you can earn, be it in certain spending categories, per month, per quarter, per year or some combination thereof. For instance, a card offering 3% cash back on gas purchases might only offer it for the first $200 you spend on gas per month.
    3. Enrollment: You might be required to enroll in a card’s rewards program in order to earn additional rewards on rotating spending categories. For example, cash back rewards credit cards often advertise up to 5% cash back on major expenses such as dining, travel and gas. However, unless you sign up for these heightened rewards (usually on a quarterly basis) you will only get the card’s base cash back earning rate, usually 1%. These enrollment requirements are the credit card companies’ way of advertising particularly lucrative rewards without actually giving them to everyone that opens a card.
    4. Bonus: Many cash back cards offer initial rewards bonuses (i.e. extra cash back just for signing up, making a single purchase or spending a certain amount in the first few months). Others provide annual rewards bonuses, which amplify your accumulated rewards at the end of the year by a certain percentage.

    How does one compare credit cards with cash back rewards?

    By: John Kiernan It’s important to note from the outset that you shouldn't even consider opening a cash back card, or any type of rewards credit card for that matter, if you don't pay your bill in full every month, as minimizing finance charges should be your primary focus. With that being said, your goal in comparing cash back credit cards is to find the single card that will be most lucrative in light of your individual spending habits. To this end, ask yourself the following questions each time you evaluate cash back credit card offers:
    1. What is the cash back earning rate for my biggest spending categories?
    2. What is the cash back rate across all purchases?
    3. Are any of the cash back pitfalls touched on above part of this credit card offer?
    Whichever cash back rewards card allows you to maximize the value of your rewards without changing your current purchasing patterns is the card for you.

    How does the Island Approach apply to cash back credit cards?

    By: Odysseas Papadimitriou No one said that you’re only allowed to open one rewards credit card. Actually, according to the Island Approach, you’d be well advised to have 2-3 different rewards cards, provided, of course, that you pay your bills in full every month. The theory behind this is that while you won’t be able to find a single rewards card offering the best available rewards on every purchase category, you can find a few different cards that collectively do so. We therefore suggest getting the cash rebate credit card with the highest earning rate across all spending categories and using it to make everyday purchases. Then augment the earning potential of this card by identifying rewards cards that offer at least twice that much on your largest spending categories.
    COMMUNITY DISCUSSION

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

     
    August 26, 2014
    Photo of Tova H.
    By: Tova Haines
    I refuse to use any credit card with an annual fee. My favorite cash back card is the HSBC Platinum Cash MasterCard. It gives me an amazing 5% back on all gas, groceries, and drug store(non-prescriptions only) purchases but stops the yearly rewards after it reaches $500.00. It does not have any annual fee. I always reach the maximum and get $500 each year which we apply against our next statement when awarded. I have a feeling that they will drastically change or eliminate this card soon since their credit card division has recently been sold to another company. We also have a straight 1% cash back MasterCard for purchasing anything from Bank of America that does not limit how much you can earn. It also includes ShopSafe software that we use for all internet purchases since we can assign temporary credit card numbers with amount and expiration date adjustable. We also have a third card from Capital One that gives 1% on most stuff and 2% on gas which we got mainly for travel outside the US so we will not have to pay the 3% transaction fee that is common for our other cards.
    July 15, 2014
    Photo of Amanda T.
    By: Amanda Taylor
    If you're the type of person who doesn't travel much, then cards with cash back rewards are better than other rewards programs. There are cards that don't have annual fees that still offer cash back. I have a Wells Fargo Rewards Card, and set up all of my bills to come out of it. I have to pay bills anyway; I might as well earn cash back on them, since I can.
    July 7, 2014
    Photo of Ruth H.
    By: Ruth Henne
    I have the Capital One Quicksilver card, I got it last year. I just started paying interest on it, I went for a long time without paying interest on it. I really like the cash back on it. It started at 1% and is now 1.5%, they even raised my limit on it. I setup my cahback to be applied to my account when I hit $50, which is a good way to build it up again. I really like this card but don't use it a lot, just when I run short at the end of the month it really does come in handy.
    June 23, 2014
    Photo of Joseph B.
    By: Joseph Broski
    Cash back credit cards are fantastic and give me a strong reason to use them over any other card. They are one of the reasons I prefer store credit cards. I know that their rates are incredibly high, but if you pay them off on time everything begins to add up. You get quite a bit of money out of it.
    June 6, 2014
    Photo of Aldric A.
    By: Aldric Alfonso
    I think that credit cards that offer cash back rewards are better than credit cards that offer other types of rewards. The reasoning for that, at least for me, is that people can always use extra cash. Plus, they are not limited to what they can use that cash on. I think it is a very beneficial type of program. Plus it encourages people to use their credit card because it not only helps them get extra cash, but it also helps with their credit. That is why I love my Capital One® Quicksilver® Cash Rewards Credit Card.
    May 29, 2014
    Photo of Tim S.
    By: Tim Shaw
    I have the Chase Freedom card and it is wonderful. I use it for almost everything I buy, and even to pay some bills. You get 1% back on everything, and 5% cash back on certain categories that switch every quarter. If you make a lot of online purchases you can shop through the online mall and get even more rewards. They add up quickly. Just make sure you pay off the card every month so you aren't accruing interest.
    May 6, 2014
    Photo of Heather P.
    By: Heather Payton
    I like credit cards that offer cash back. I find that I like getting money back, better than anything else. Reward programs take too long to accomplish and a lot of times the terms change. But cards that offer cash back usually always offer cash back. I find that if you pay all your bills with your card, then just pay it off, the cash back really adds up fast.
    May 3, 2014
    Photo of Malia P.
    By: Malia Palea
    I made it a point to choose a credit card that offered cash back on my purchases. I have a visa card from chase. I think it's a great incentive to use the card knowing you'll get a little cash back on the purchases you make. I use my card as much as possible. I use it for grocery shopping, paying bills, and other daily purchases. Using the card for things I'd have to purchase anyway is a great way to save me a little extra money which is very important to me. I'm always looking for ways to make or save a little money. The way I see it is, every little bit counts! Once I reach $100 of cash back I am able to request a check. I use that check towards future purchases. If possible, everyone looking to open a credit card should choose one that offers cash back.
    March 24, 2014
    Photo of Hub H.
    By: Hub Hum
    Cash back rewards are really only great if the company that promises them actually gives them to you! I recently decided to get a US Bank Cash+ Visa Card. The 5% cash rewards on many different categories sounded pretty good in the ads. Wow, I thought, I will be able to choose the category where you purchase the most goods in. Not until after I had signed up did I notice all the odd areas that US Bank actually gives you to choose from. Many of these pre set and static reward categories are nothing like other reward cards from Citibank, Chase or Discover, (such as for online purchases, bill pay, or travel/airline purchases.) Oh no, they are the same lame narrow choices such as car rentals, sporting goods stores or furniture stores - surely nothing for most people to get excited about. The ones that were actually useful have long been discontinued - I guess it was only profitable for the customers and not for the bank. I just received my latest statement and found that none of the many purchases I made in electronic stores (the category I had chosen) were rewarded with the promised 5%! I sent an email via my US Bank internal account messaging system to get an answer - but did not get a response at all. After about two weeks I decided to call their phone number - they would have to talk to me - this way I could not just be ignored. After being on hold for about ten minutes (while the operator discussed the situation with her supervisor) I was told that all these purchases were made at stores that are categorized as "software stores" not electronic stores and I, therefore, will not receive rewards for any of the items purchased. These were all expensive electronic items that I purchased at Sears, eCost, Adorama, Calumet and eBatts! Since when are any of these venues considered software sellers? Well, how convenient for US Bank though - they arbitrarily assign different labels/categories to stores if the rewards amount gets too high (I purchased electronic items such as an expensive black magic camera, battery chargers, batteries, etc for several thousand dollars and would have received up to $200 in rewards.) US Bank wants us to purchase items with their card yet they are not really interested in fulfilling their reward promise. I urge you not to use this card - you will get some cash back for small, insignificant purchases just to keep you hooked but do not expect to get rich here! Use a rewards card where you know that the promised benefit will surely end up in your account at the end of the month! With US Bank's "selective" reward system and shoddy customer service - Cash+ Visa Signature Card is not one of them! I have years of experience with other cards - the ones I have mentioned earlier. They deliver what is promised and, in case of a problem, they will even err in your favor - as happened many times before with me. Just say no - the Cash+ card is not worth the trouble and a waste of your time!
    March 13, 2014
    Photo of Yo H.
    By: Yo Hashuan
    All things being equal, I tend to agree with most of the others here: nothing's better than getting cash back. It really is a judgement call, though. Some rewards programs can give you a greater percentage return that you can use towards items you'd be buying with cash anyway. Airline miles for people who fly a lot are a good example of this. If you're going to end up spending a certain amount of money on airline tickets over the course of a year, getting extra miles will end up saving you hundreds of dollars on tickets that you'd end up buying anyway, and that can end up saving you more in the long run. But for me (and I imagine most others) it's just easier and makes more economic sense to opt for a cash back card over one with a fixed rewards system of any kind.
    March 20, 2014
    Photo of Christopher DesRoches
    Christopher DesRoches
    I agree with most everything you said. I don't utilize reward systems that often, primarily because they're irrelevant to my purchasing habits (air miles are useless as I rarely fly anywhere.) I would rather get cash back any day.
    March 6, 2014
    Photo of Jackie F.
    By: Jackie Farace
    I like cash back better than other rewards. I have a Navy Federal Visa card that offers gift cards after earning so many points, but I prefer to use my Discover More card because of their cash back benefits. With my Discover More card, I can request a statement credit after I reach $50 in cash back, or I can use any amount of cash back toward purchases on Amazon. This is really helpful because I buy diapers for my kids and other necessities on Amazon. I find cash back to be much more rewarding than gift cards to places I wouldn't normally go to anyway.
    April 1, 2014
    Photo of Virginia Flores
    Virginia Flores
    I agree, I would much rather have cash back than earn rewards. With cash back you have much more control over how you use the money. I especially like cash back on gas. My husband travels a lot and we purchase a lot of gas, so this is a great savings for us.
    February 20, 2014
    Photo of Nicole L.
    By: Nicole Latti
    I think Cash Back rewards are better than other rewards because they usually end up being equivalent, if not more, in the amount of compensation and then you get to spend it on whatever you want rather than having to choose and pick through specific reward options such as prizes or gift cards.
    February 28, 2014
    Photo of Bryan McWethy
    Bryan McWethy
    I agree 100%, the flexibility that cash back rewards are pretty invaluable. The Chase Freedom card does a great job of rewarding their credit card users. I love that there is a different category of 5% off products every few months. It allows me to indulge in certain forms of entertainment/experiences for cheaper prices at different times of the year, while always receiving cash back. It's great that no matter what purchase I make, I receive at least 1% cash back. Every little bit helps, considering that I don't expect any rewards for using a form of payment.
    March 6, 2014
    Photo of Annie November
    Annie November
    I totally agree. It's not so limited to certain rewards that they think you should want or need. You get more freedom in deciding what to do with it. Besides that, rewards are always changing so you could spend months saving up enough for a reward just for it to completely change and it won't be available anymore. Especially with the way the economy is now, extra cash goes a long way.
    February 14, 2014
    Photo of Patricia V.
    By: Patricia Van Landingham
    If you’re getting a credit card, cards with cash back options are the best to get. I’ve been more than happy with my Discover cash back card. When I first got it, I used it as a regular credit card, but now I use it as an easy way to pay for items, without worrying about carrying cash or my check card. I then earn real money by using the card, but I pay off the card balance at the end of the month. In this way, I’m using the card like I would my check card, but I make money using it!
    February 19, 2014
    Photo of Charlie Shields
    Charlie Shields
    Exactly. You pay off the credit card each month and then every couple of months you have free money from Discover. Discover also has some great partner gift cards, where you can get a $50 gift card for $45. If you can find one for a place you visit anyway, it's just more free money. I have used their restaurant gift cards for places like Chili's and Buffalo Wild Wings, and I recently used my $45 worth of cash back to get a $50 gift card for Barnes and Noble. $50 worth of books just for using my Discover card. It's a great way to make a little extra or treat yourself if you're on a budget.
    February 4, 2014
    Photo of Howl C.
    By: Howl Carnage
    I think that cards that offer cash back are the best kind to own. My current favorite CB card at the moment is my Discover IT, thanks to its rotating categories. The 5% CB you get on whatever category is selected for that quarter, easily makes this card the best CB card on the market. I remember during Christmas time I racked up a good $150 in CB, thanks to the 5% I got due to online purchases being the selected category. The Discover merchant outlet is also nice, as it allows you to get an extra 5-20% CB on merchants that participate in the program.
    January 31, 2014
    Photo of Thomas S.
    By: Thomas Santell
    In my opinion, credit cards that offer cash back are the ideal type of rewards system. Cash is the most usable reward (compared to discounts or gift cards), so it should be the most rewarding and sought for. Cash rewards can be used to buy anything, so that is a definite plus. Also, with cash back rewards, you get them instantly with whatever purchase you are making. So you are basically saving money on every thing you buy. Think of it as an extra coupon or discount every time you shop no matter what it is. I would recommend this type of system to anyone.
    January 17, 2014
    Photo of James L.
    By: James LeGrand
    Cash back is my favorite type of reward. It is the only reward that comes to you in cash. Therefore allowing you to put it towards anything you may need. Gas rewards and other things like that can only be applied to what the reward is. Cash rewards could even help you pay the bills.
    February 18, 2014
    Photo of Villanova Rambonicus
    Villanova Rambonicus
    The reason that I use the Chase Freedom card is in its name: freedom. When you get cash back, you have the freedom to use it however you want. I don't understand why people enjoy being forced into using their rewards to make purchases at certain stores or fly somewhere on a plane. Those kinds of rewards are hardly, if ever, more valuable than simply getting the cash.
    April 1, 2014
    Photo of Kyle Storm
    Kyle Storm
    Not only that, but they can help you with other things besides bills. If you like to travel, cashback is really good for that too with these cards.
    December 11, 2013
    Photo of Jess M.
    By: Jess McNallie
    I agree that cards that offer cash back are better than cards that offer any other rewards. I like that it’s instantaneous and doesn't require any extra work or thought - I know I tend to forget to check or cash out my rewards and they sometimes lose value, so something that happens automatically is right up my alley.
    December 4, 2013
    Photo of Amy F.
    By: Amy Fisher
    The best cash back card for me is the Chase Freedom card. The main reason I got it was because of the 5% cash back. You can get cash back on a lot of things, including everyday things like gas and groceries. That's a major plus for me. Even for things where you can't get 5% cash back, you can still get 1%.
    December 3, 2013
    Photo of Ashley F.
    By: Ashley Fraiser
    I shop on amazon.com so I decided to go for their credit card just to see if I would get approved. Surprisingly I was approved instantly. I like that they give a $30 giftcard to everyone who is approved for their card. Although i have yet to use it I love that even though i don't have the card yet I was still given my card number to be able to use, at least on amazon.com. The card can be used everywhere, not just on amazon and depending on what the card is used for you earn a certain amount of points each time the card is used.
    December 3, 2013
    Photo of Scott B.
    By: Scott Bryant
    I wanted a card where I could be rewarded for making purchases I already make, and then have rewards that didn't require me to reach a certain point let me use them. With the Chase Amazon Rewards Credit Card I'm able to easily earn points while shopping normally and then use the cash back to make purchases immediately!
    November 27, 2013
    Photo of Joseph G.
    By: Joseph Gordon
    I always preferred a cash back card over a rewards card since I was not willing to go through the whole process of redeeming the reward points against money or a product. I just needed the money back into my account so that I could use it at my disposal. Since I regularly shop from Costco, I applied for the TrueEarnings from Costco and AmEx. Its a great card to have as I have zero annual fee. I have always been surprised when I look into my account and see that some money has always been credited for some purchase or the other. I still do not know what % i receive in cash back for each purchase, as Costco has a tie-up with lots of other 3rd parties. The true worth of the card is due to the contacts Costco has and the wide range of places where its gladly accepted.
    November 27, 2013
    Photo of Danny D.
    By: Danny Demon
    The Chase Freedom credit card is the best cash back card for a variety of reason. The first reason it is the best card is because of the $200 you get back for just spending $500 in the first 3 months. This is a free $200 because you can get to the $500 very easily. Then you can get 5% cash back on Amazon until December 31st, which is great for holiday shopping! This is the big deciding factor for me because I love shopping on Amazon, and this card gives me the most money back!
    November 27, 2013
    Photo of John D.
    By: John Dancear
    The Capital One Venture Rewards Credit Card is a very great card that offers tons of rewards. There are no foreign transaction fees which is excellent. Tons of incentives to use this card, including 20,000 bonus miles depending on how much you spend. If you want a card with minimal fees and tons of rewards, this is the one for you. An added bonus is that this also serves as a Costco membership card, and there is no additional fee for being a Member. This card offers 3% cash back at gas stations and 2% at restaurants
    November 25, 2013
    Photo of Andy I.
    By: Andy Ing
    I believe that the Blue Cash Preferred card from American Express is the best card on the market. I believe that in my experience, it has the best all around benefits that appeals to me. The maximum amount I can earn might not be as high as the Ace Rewards Visa Credit Card, but the Blue card has a lower regular rate, and an initial bonus. It also has a limited time where there is 0% purchases and transfers for 15 months, which is a long time I believe. The one down side might be the steep annual fee, but the cash back will most likely pay for itself, and then some as I use it. Also the service with American Express has been outstanding.
    November 20, 2013
    Photo of Kyle C.
    By: Kyle Curry
    One of the reasons that I recently opted for the Capital One Quicksilver Cash Rewards Credit Card was because they recently bought out ING. For years, I had all of my online banking through ING, and when it turned into Capital One banking, I received a slew of credit card offers. After dealing with their customer service I made my choice. I love the fact that I get cash back on all my purchases, not just certain categories.
    November 19, 2013
    Photo of John D.
    By: John Dover
    I went with the "Citi Dividend Platinum Select Visa Card" because i needed a different credit card to keep my gas and food purchases separate from my major purchases etc. I use this card for major purchases since it gives 5% cash back on those types of purchases, and there is no APR. Overall my experience with Citi has been very positive.
    November 19, 2013
    Photo of Diane M.
    By: Diane Morris
    I chose Bank of America Credit Card, "BankAmericard/Cash Rewards" because it gives me a percentage of my spent money back. I love using it at Service Stations to fill up my truck. BOA Credit card gives me 1% on purchases, 2% on groceries and 3% on gas. Its the best way to help yourself out financially. BOA has been around for a long time, I personally have been with them for the last twenty years, but I did not get a cash back credit card until two years ago. I really enjoy using it for everything.
    November 17, 2013
    Photo of Theshack O.
    By: Theshack Ofsin
    The Capital One Quick Silver credit card caught my eye because of their Sunday evening commercials with the Vikings running around. I know it sounds corny, but hey, this is 2013, and the advertising works. I've been happy with it this year, although there is an annual fee coming due in a couple of months. Aside from that, a very good card, handy, I do it all online and I even receive alerts from Capital One Quick Silver on my android.
    November 16, 2013
    Photo of Michael C.
    By: Michael Concialdi
    I chose the Capital One Quick Silver credit card because I wanted to earn a greater percentage on my cash back. The Quick Silver card offers 1.5% cash back on all purchases with no limits and no annual fee. I was unhappy with my other cards rewards program so Capital One allowed me to upgrade to the Quick Silver card. I use my card for all purchases and I enjoy watching the dollars and cents add up.
    November 16, 2013
    Photo of Diane M.
    By: Diane Morris
    I chose Bank of America Credit card because it gives me a percentage of my spent money back. I love using it at Service Stations to fill up my truck. BOA Credit card gives me 1% on purchases, 2% on groceries and 3% on gas. Its the best way to help yourself out financially. BOA has been around for a long time, I personally have been with them for the last twenty years, but I did not get a cash back credit card until two years ago. I really enjoy using it for everything.
    November 15, 2013
    Photo of Villanova R.
    By: Villanova Rambonicus
    I chose the Chase Freedom cash-back card. The deciding factor for me was the 5% cash back bonus in rotating categories. It's particularly useful for gas stations and groceries. If gas is 3.00 per gallon, you're actually getting it for 2.85 for at least 3 months per year. The baseline bonus is 1% cash back as well. My old credit card offered only the 1% cash back and no other bonuses. I switched to Chase Freedom and haven't used my old card since I switched.
    November 11, 2013
    Photo of Chris N.
    By: Chris No
    In my experience with cash back credit cards I'd have to say Blue Cash Preferred from American Express is the best card out there. This card gives you a $150 bonus for just signing up for the card and using it. One of the great features of this card is you get cash back extra on gas purchases because face it that's something we all need in life gas and getting something extra in return is always nice. The only downfall to this card is the fact that it has an annual fee that's the only thing I would change about this card, other than that it's the best out there!
    November 6, 2013
    Photo of Nicole W.
    By: Nicole Williams
    I chose the Bank of America Americard because it offers a higher percentage of cash back on groceries, and I was look for an “everyday” card to use to make purchases easier. I was approved and received my card quickly, and it was very easy to set up my online account. I can see which new categories are offering higher cash back at any time, which is helpful if I am deciding to pay cash or credit for a purchase.
    November 6, 2013
    Photo of Bambi J.
    By: Bambi Jo
    I have the Discover It card and could honestly not be happier with this card. Discover has top of the line customer service, great interest rates, and an excellent cash back rewards program. The cash back rewards vary based on the season, but they are always great. Currently they are offering 5% back on online purchases through December 2013 and 1% back on all other purchases making this a great card to use for all of your holiday shopping needs. I have called Discover to add and remove services and request new card copies and every request has been handled quickly and without any pressure or upselling of additional services. If you're looking for a great cash back card from a company that provides top notch service definitely check out the Discover It Card.
    November 5, 2013
    Photo of Darrell B.
    By: Darrell Brown
    The best cash back credit card on the market today is the Capital One Quicksilver Cash Rewards Credit Card. There are two types of cards listed here but the Visa card offers 0% on purchases and transfers for one year is the better of the two. Along with that there is no annual fee and you earn 1.5% cash back on all purchases, which never expire. With an interest rate that is variable between 12 and 21% is an awesome offer for a credit card. There is also excellent customer support for this card online and on the phone in case you have any questions or concerns.
    November 4, 2013
    Photo of Daniel S.
    By: Daniel Shaw
    As a long term customer of Discover, I have been quite pleased by the customer service rendered for users of the Discover it card. While other credit card companies appear to have a "canned" response to customers, I felt that the service for the Discover it card reflected a more honest approach to business than previous companies I had dealt with. Once when I had a mishandled charge on my card, they cleaned it up right away with no hassles. That put a smile on my face, and I'm grateful to have this card at my disposal.
    November 4, 2013
    Photo of Donald P.
    By: Donald Pinckney
    I have had the Bank of America credit card for the past two years and have really enjoyed the cash back offers. It is nice that they rotate cash back offers and allows me to try restaurants that I normally wouldn't knowing it won't cost me as much. Also the 2 percent back on grocery purchases and gas allows me build up my rewards much more frequently.
    November 1, 2013
    Photo of Allen M.
    By: Allen Marshall
    The Chase freedom credit card is great if you want cash back on everyday purchases. While the interest rate is slightly high its fine if you pay off your balance every month so it does not bother me. You can earn anywhere from 1-5% cash back on purchases you were going to make anyway. They have promotions that give you 5% cash back for amazon.com purchases, which is great since amazon prices are already so great. I like that it is a visa, they seem to be the most accepted cards with the best and most friendly customer service, and you get a $100 dollar bonus for signing up.
    October 30, 2013
    Photo of Tina R.
    By: Tina Raikar
    I recently got my Discover It card about 2 months ago and so far I love it! Every quarter, they offer up to 5% cash back on purchases under different categories and 1% on all other purchases. They even offer up to 20% cash back on purchases you make on different sites! No doubt about it that this high flexibility is what makes this credit card the best!
    October 30, 2013
    Photo of Guate S.
    By: Guate Slotoman
    The Chase Freedom card is the best for me. It is accepted everywhere I go (or virtually everywhere) and provided 5% cash back on rather popular categories every three months. I personally like the fact that the 5% categories are pretty popular - like gas, groceries or such. That way I can maximize that cash back without making unnecessary purchases. The 1% cash back on everything else is a bonus. Sadly, though I am starting to assume things are always 1% off!