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Cash Back Credit Cards

Cash Back Credit Cards

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Cash back credit cards return a certain predetermined percentage of your charges to you either in the form of a statement credit or via check and thereby lower the effective cost of each purchase you make. While cash back rewards are typically considered the most straightforward, hassle-free rewards currency, there are a couple of things to keep in mind when attempting to compare cash back credit cards. First, with some cards you earn cash back at different rates, depending on the types of purchase you make. In addition, some cards may require that you re-enroll on a quarterly basis in order to earn the maximum rewards offered on certain spending categories, while others may cap the cash back you can earn. Nevertheless, Card Hub® recommends that you apply for a cash back credit card rather than any other type of rewards credit card because cash back policies are still simpler on the whole than those common with miles and points cards. Also unlike miles and points, cash cannot be devalued and can be used to buy anything you want. You should therefore compare the cash back credit cards listed below or simply take a look at our Editor’s Picks for the best cash back credit cards. Once you find a card that meets both your credit standing and spending habits, simply click the “Apply Now” button to be redirected to the respective issuer’s secure application page.

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    3

    Capital One® Cash Rewards

    capital one no hassle cash rewards
    Rates:
    • 0% on Purchases until March 2014
    • 0% on Transfers Not Offered
    • Regular Rate 19.8% (V)
    Annual Fee $39
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1.5%
    Max Earn 1.5%
    • 50% bonus on the cash back you earn every year.
    • 1% cash back on all purchases.
    • Earn unlimited cash back that doesn't expire.
    • Redeem cash back anytime for any amount, even set automatic redemptions.

     
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    4.5

    Blue Cash Preferred® from American Express

    Blue Cash Credit Card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 12.99%-21.99% (V)
    Annual Fee $75
    Rewards Cash Back
    Initial Bonus $150
    Base Earn 1%
    Max Earn 6%
    • Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases.Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.

     
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    3.5

    Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

    chase freedom credit card
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3%
    • Regular Rate 13.99% - 22.99% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 5%
    • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening.
    • 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe'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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    3.5

    Blue Cash Everyday® Card from American Express

    american express blue cash credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 12.99%-21.99%
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 3%
    • Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
    • Earn Cash Back: 3% at 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.
    • Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.

     
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    4

    Ace Rewards® Visa Credit Card

    ace credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 13.99% - 22.99% (V)
    Annual Fee None
    Rewards Cash Back
    Initial 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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    3.5

    Capital One® Cash Rewards - $100 Cash Back Bonus

    capital one no hassle cash rewards excellent credit
    Rates:
    • 0% on Purchases until June 2014
    • 0% on Transfers until June 2014 ;   Fee.....3%
    • Regular Rate 12.9% - 20.9% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1.5%
    Max Earn 1.5%
    • $100 bonus after you spend $500 on purchases within the first 3 months.
    • 50% bonus on the cash back you earn every year.
    • 1% cash back on all purchases.
    • Earn unlimited cash back that doesn't expire.
    • Redeem cash back anytime for any amount, even set automatic redemptions.

     
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    3.5

    Capital One® Cash Rewards for Newcomers

    capital one cash rewards credit card for new to credit
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 24.9% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 2%
    • Get 2% cash back on travel purchases.
    • Earn 1% cash back on all other purchases.

     
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    4

    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

    0 Credit Card from VISA Citibank
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 5%
    • $100 cash back after $500 in purchases within the first 3 months of account opening.
    • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment.
    • Enroll at no additional cost each quarter for new categories that earn additional cash back.
    • Full 1% cash back on all other purchases and eligible cash advances.

     
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    4.5

    Discover it® - 0% for 14 months on both Purchases & Transfers

    discover it
    Rates:
    • 0% on Purchases 14 months
    • 0% on Transfers 14 months ;   Fee.....3%
    • Regular Rate 10.99% - 22.99% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 5%
    • Game Changer. Brand new, Discover it® is out to change the way you think about credit cards.
    • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
    • And get unlimited 1% cash back on all other purchases* at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

     
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    4.5

    Discover it® - 0% for 18 Months on Balance Transfers

    discover it
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers 18 months ;   Fee.....3%
    • Regular Rate 10.99% - 22.99% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 5%
    • Game Changer. Brand new, Discover it® is out to change the way you think about credit cards.
    • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
    • And get unlimited 1% cash back on all other purchases* at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

     
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Cash Back Credit Cards shown on this page.


     
    Learn more about Cash Back Credit Cards

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

    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.)
    • Terry Jablonski: For me, the most important factor in choosing a cash back credit card was how quickly I could redeem points for a significant reward. That's why I signed up for the Citi Dividend Platinum card. With this card, I was given a $100 bonus for charging my first $500 on the card, which was no problem for me because I use credit cards for most of my purchases. The Citi Dividend card also has other competitive features, like 1% cash back on all purchases and specific categories which earn more. The APR is also competitive and the system for redeeming your cash back is very simple. It's really an excellent card.
      May 20 at 1:46pm
    • Ben Noll: I chose the Discover Cashback Bonus Card for my credit card. The deciding factor was the easiness in using the cash that you received back. Your available "cash" is displayed on Discover when you sign into your account and you can choose to use that money just about anywhere on the web with the click of a button. I receive 1% back from Discover; this may seem like a little, but when you use your credit card for everything, not only do you build credit, but your cash back adds up. A really simple card, especially those who are in such of a starter or first credit card.
      May 20 at 1:29pm
    • Mike Yee: I pretty much pay off my credit card balance all the time. So the only criterion in my choice of credit cards is amount of cash rebate. I do not take APR or other promotional offers into consideration. I personally like American Express TrueEarnings credit card. I am a Costco member, the only credit card they accept is American Express. This way, I can get 1% on top of everything I buy from there. This credit card also offers 2% cash back on dining out and travel, and 3% for gas. The formula is simple, straightforward and easy to remember. They do not have gimmicks switch categories from quarter to quarter, so I do not have to think twice which card to use to maximize my potential earning. American Express customer service is usually quite friendly as well. I have no complaints. Granted, I might be able to squeeze out a little bit more cash back from some cards, but for me, the simplicity wins.
      May 20 at 1:22pm
    • Anonymous User: For my Cash Back Credit Card, I chose the Citi Dividend Platinum Select Visa Card. This is a fantastic card that starts giving you cash back almost immediately. After you spend only $500 in the first three months, they give you $100 cash back. Then it is 1% on all purchases and on occasion they will have special store purchases for a limited time, that will give up to 5% cash back, for example, places like Home Depot. They also add several different categories each quarter that give additional cash back to the card holder if you spend there. They have a low APR and also no annual fee. Overall, a very solid card.
      May 14 at 2:17pm
    • Frank Papageorgio: For my cash back Credit Card, I decided to go with the Capital One Cash Rewards card. The deciding factor was that it had no annual fee, and it actually gave you back cash without a reduction in point value! Other cards say they'll give you cash back, but if you look at the actual terms you can redeem a check where your points are worth half as much if you wanted cash. The Cash Rewards card not only gives you cash, but gives you the full value of your points in cash. The baseline earning of 1.5% is the biggest kicker too, as so many cards out there only offer 1% or less if you want to redeem for cash.
      May 14 at 1:21pm