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Cash Back Credit Cards

4.9 4.9 - 99 reviews for top rated card

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…show more

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until February 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • Enjoy a low intro APR on purchases until February 2016; 11.9%-19.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
    • $0 Fraud Liability if your card is lost or stolen.
    • 24-hour travel & emergency assistance gives you a replacement card and cash advance.
    • Auto rental insurance -- use your card to rent a car and you're covered for collision, damage, and loss.
    • Image Card -- personalize your card with an image of your choice.

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • No Annual Fee

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until November 2015
    • 0% Transfers until November 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • 0% intro APR on purchases until November 2015; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
    • Capital One® Credit Tracker — the free way to easily monitor your monthly credit score anytime, anywhere
    • Pay no annual fee or foreign transaction fees

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1% - 3% cash back
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until May 2016
    • 0% Transfers until May 20163% Transfer Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Chase Freedom®


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1% - 5% cash back
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open

    Barclaycard® Rewards MasterCard®


    barclaycard credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Points
    • Initial Bonus None
    • Earn Rate 1 - 2 points/$1
    • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
    • No annual fee.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.

    U.S. Bank Visa® Platinum Credit Card


    us bank platinum credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 9.99% - 23.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

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    EXPERT’S ANSWERS

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

    By: John Kiernan, Personal Finance Editor“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, CardHub CEOThere 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, Personal Finance EditorWhile 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, Personal Finance EditorIt’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, CardHub CEONo 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.

    -- Questions --

    COMMUNITY DISCUSSION

    Ask a question or help others find the best cash back by sharing some tips.

     
    Feb 27, 2015
    By:

    --Comment from Shane Hall--

    Feb 27, 2015
    I currently use a Navy Federal Credit Union anytime cash back card. It has no fees and no annual cost to use, and it gives me 1.5% cash back on every purchase. I don't think any credit card is perfect and all rewards could be more, but I do feel that cash back cards are the best of them all. Especially because mine has no minimum withdrawal threshold. I always pay off my card, so essentially I pay 98.5% for all my purchases because of this card. That money that I earn can be invested vs. the other reward cards which cannot be invested but only consumed through a restaurant or something similar.
    Feb 14, 2015
    By:

    --Comment from Court Belle--

    Feb 14, 2015
    I use the Chase Freedom Cash Back credit card, and I love it. With the 5% cash back return rate, I find that the cash rewards really add up quickly. The interest rate is also low on this card so I find myself using the card for day to day purchases, such as gas, groceries, drugstore purchases, dining out, etc. I also use it for big purchases like airfare and hotels. I think that cash back offers are really good in comparison to other rewards cards because you are earning cash as opposed to points. Cash can be used anywhere, not specifically on travel, hotels, dining out, or gift cards like some other cards with points require.
    Oct 11, 2014
    By:

    --Comment from Joseph Smith--

    Oct 11, 2014
    I love my cash back credit cards with no annual fee. I pretty much use them for every purchase that I make, whether that is at the grocery store, gasoline for the car, or online. The key is to only buy things that you would only normally buy or need. In other words, don't spend needlessly just so you can get more cash back rewards. In buying only the things you need, you are at least getting some money back on these purchases and thus will be saving money. I also use different cards to maximize the amount of cash back. For example, the Chase Freedom card has rotating categories that are 5% back. I find the cash back credit cards to be very useful because you are essentially getting money back, which means you can use it however you want. You can put it towards your credit card bill. You can use it to get gift cards. Or you can use it to get cash. Really, it is money back in your pocket for you to spend as you see fit. That's the best thing in the world!!!
    Oct 4, 2014
    By:

    --Comment from Darnell Carey--

    Oct 4, 2014
    I think credit cards that offer cash back are way better than cards that offer other types of rewards. You can’t go wrong with cash right? You are basically getting a discount on your purchases if you receive cash back. I have credit cards that offer other types of rewards like free electronics or some other items but I can always just buy these using my cash back. Also sometimes these other rewards aren't appealing to me so I would definitely rather have cash so I can decide what to do with it instead of the rewards company telling me what I can get.
    Sep 9, 2014
    By:

    --Comment from Shelle Parsons--

    Sep 9, 2014
    I like the cash back cards because you can pay down your credit card bill if you need to, or sometimes you can use their special deals to turn you cash back into more purchasing power. I have one card that lets you buy a $30 Home Depot or CVS Pharmacy card for $25 of your cash back. Right now I'm signed up with Discover to earn 5% cash back on gas. To me that's like saving $3.50 per tank of gas. The only catch is to make sure you aren't using the cash back as an "excuse" to purchase more than you should. Make sure you can pay it off before it accrues interest, or the cash back doesn't make any sense.
    Aug 26, 2014
    By:

    --Comment from Tova Haines--

    Aug 26, 2014
    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.
    Jul 15, 2014
    By:

    --Comment from Amanda Taylor--

    Jul 15, 2014
    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.
    Jul 7, 2014
    By:

    --Comment from Ruth Henne--

    Jul 7, 2014
    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.
    Jun 23, 2014
    By:

    --Comment from Joseph Broski--

    Jun 23, 2014
    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.
    Jun 6, 2014
    By:

    --Comment from Aldric Alfonso--

    Jun 6, 2014
    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
    By:

    --Comment from Tim Shaw--

    May 29, 2014
    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
    By:

    --Comment from Heather Payton--

    May 6, 2014
    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
    By:

    --Comment from Malia Palea--

    May 3, 2014
    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.
    Mar 24, 2014
    By:

    --Comment from Hub Hum--

    Mar 24, 2014
    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 more
    Mar 13, 2014
    By:

    --Comment from Yo Hashuan--

    Mar 13, 2014
    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.
    Mar 20, 2014
    Photo of Christopher D.
    Mar 20, 2014
    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.
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