Ad Disclosure

Cash Back Credit Cards

Cash back credit cards refund a certain percentage of your purchases in the form of a statement credit or via check, thereby lowering the effective cost of your expenses. Cash back is also considered to be the most straightforward, dependable rewards currency since it cannot be devalued by credit card companies. Unlike with cash, credit card companies can always reduce the value of points or miles by increasing the amount needed for redemption.

According to CardHub data, the average cash back credit card provides roughly 1% in earnings for each dollar you spend, so your goal in searching for a…show more

    3.5 886 reviews

    Citi® Double Cash Card


    citi double cash card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 18 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1% + 1% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • No categories to track, no caps on cash back, no annual fee*
    • Additional Info
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • See More Details & Reviews About The Citi® Double Cash Card
    3.5 3,226 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% until February 2017
    • Transfer Intro APR 0% until February 2017 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until February 2017; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,543 reviews

    Blue Cash Everyday® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus Up to $300
    • Minimum Credit Excellent
    • Rewards Details
    • Special Offer - Get up to $300 back. Offer Ends 6/15/2016.
    • Get Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 2% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
    • With the Blue Cash Everyday® Card, you can get cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases.
    • Terms and restrictions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    4 2,052 reviews

    Chase Freedom®


    chase freedom
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 5% (min $5) Transfer Fee
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Unlimited 1% cash back on all other purchases – it’s automatic
    • Enjoy new 5% categories every 3 months like gas stations, restaurants, select grocery stores, and wholesale clubs
    • Cash Back rewards never expire as long as your account is open
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No Annual Fee
    • See More Details & Reviews About The Chase Freedom®
    3.5 2,794 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% until February 2017
    • Transfer Intro APR 0% until February 2017 No Transfer Fee
    • Regular APR 23.24% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until February 2017; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • MasterRental® Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • Master RoadAssist® Service - take advantage of 24 hour toll-free dispatch to help with services like towing, fuel delivery, and more
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 1,157 reviews

    Blue Cash Preferred® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24%-23.24 (V)
    • Annual Fee $75
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus Up to $350
    • Minimum Credit Excellent
    • Rewards Details
    • Special Offer - Get up to $350 back. Offer Ends 6/15/2016.
    • Get Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 3% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
    • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases.
    • Terms and restrictions apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Preferred® Card from American Express
    3 3,731 reviews

    Credit One Bank® Visa® with Credit Line Increase Reviews


    credit one credit card
    • One-Time Fees None
    • Regular Rate 15.65% - 24.15% (V)
    • Annual Fee $0 - $99
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
    • Additional Info
    • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
    • See if you're Pre-Qualified in less than 60 seconds.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • Flexible payment date to assist you in making your payments on time.
    • Grace Period: 0 or 24 Days (see terms)
    • See More Details & Reviews About The Credit One Bank® Visa® with Credit Line Increase Reviews
    4 49 reviews

    USAA Preferred Cash Rewards Visa Signature®


    usaa preferred cash rewards visa
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 12.15% - 26.15% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5% cash back on your everyday purchases
    • Redeem your cash rewards anytime using your mobile device or computer
    • There's no limit on the amount you can earn
    • Additional Info
    • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 12.15% and 26.15% , will apply. This rate will vary with the market based on the prime rate.
    • Security Benefits: Chip technology has added security and greater acceptance worldwide. Identity theft resolutions services provides assistance should you become the victim of identity theft.
    • See More Details & Reviews About The USAA Preferred Cash Rewards Visa Signature®
    2 2 reviews

    Barclaycard CashForward™ World MasterCard®


    barclaycard cashforward credit card
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 15.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
    • Earn unlimited 1.5% cash rewards on every purchase
    • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
    • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
    • Cash rewards do not expire as long as your account is open, active and in good standing
    • Additional Info
    • 0% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening. After that a variable APR will apply, currently 15.24%, 19.24% or 23.24%, depending on your creditworthiness
    • No annual fee
    • See More Details & Reviews About The Barclaycard CashForward™ World MasterCard®
    0 0 reviews

    Chase Freedom UnlimitedSM


    chase freedom unlimited
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 5% (min $5) Transfer Fee
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • NEW! Unlimited 1.5% cash back on every purchase – it’s automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Redeem for cash – any amount, anytime
    • Cash Back rewards do not expire as long as your account is open
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No annual fee
    • See More Details & Reviews About The Chase Freedom UnlimitedSM
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

    Not sure?
    Try our free credit check. It takes 20
    seconds and doesn't require personal info.

    Free Credit Check
    I Want


     
    Based on your other criteria:
    No cards have a Regular
    Rate below %.
     

    Credit Card Networks


    Fewer Filters
    Balance Transfer Fee?



    Foreign Transaction Fee?



    Smart Chip Technology

    Suggested Credit Card Pages Categories Recently Viewed Credit Cards
    • None
    Ask our Experts

    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.

    Community Discussion

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

     
    Nov 3, 2015
    By:
    I use my Discover Cashback Bonus card as my primary card and have had pretty good success with the rewards program. It doesn’t have an annual fee, plus if I have the card connected to Amazon, I can use the points directly on Amazon, which is very nice. I don’t have to cash in points or anything like that – Amazon automatically gives me the option to use the points. I don’t earn quite as many points as I would like, but the rate is pretty comparable with my other cash back cards. It’s never as much as you would like, in my experience! Over all though, the Discover Cashback Bonus card is pretty good and I would recommend it to anyone looking to get a little extra bite out of their credit card purchases.
    Oct 26, 2015
    By:
    I believe that for cash back the best card is the Citi Double Cash rewards card. Although the limit was not as high as others, it offers a 2% cash back. You get 1% when you make a purchase and you make 1% as you pay the balance off. I think it's a good thing that they are making it an incentive to be responsible. The only thing I don't really like about their program is that the minimum to get a lot of the rewards cards or statement credit is $25. If they could be like the Discover IT card where you can add the cash reward balance at any point to your statement credit, then that would be amazing. The reason I use the Citi card though is that I can pay it off through a Citi bank in cash unlike with Discover.
    Oct 22, 2015
    By:
    Bank of America Rewards card was introduced to me by my banker. I choose to apply for this card because you accumulate points every time you use it. You earn between 1 to 3 points depending on the purchases you make. It makes perfect sense to use your credit card instead of cash to make purchase for every day purchases like groceries and gas. Furthermore, you get a billing statement that tracks your expenses at the end of the month. This is extremely useful when you need to budget and pinpoint where your money went. At the end of the month, you can redeem these points for cash, gift cards or travel. This is a great way to save a little money through using your credit card that offers rewards for using it.
    Oct 22, 2015
    By:
    I got drawn to the Discover It Credit Card offering double cash back on all first year purchases. Standard cash back rate is 1% and cash back on rotating bonus categories is 5%, making it 2% and 10% cash back respectively by the end of my first year. Moreover, when cash back is redeemed for partner gift cards instead of cash, I get even more value. My redemption of choice are Alamo and Enterprise car rental certificates where $20 cash back gets $40 worth. I concentrate on using Discover It at places currently eligible for the 5% bonus cash back.
    Oct 18, 2015
    By:
    As I spend thousands of dollars on groceries, dining out, and gas every month, Chase Freedom's 5x Ultimate Reward Points in rotating categories looked very lucrative from the get-go for my spending. In the past, I usually redeemed the rewards for cash back at the rate of one cent per point. However, ever since I got the Chase Sapphire Preferred (CSP), I transfer the Ultimate Rewards Points earned from Chase Freedom to CSP. By doing so, my points are worth 25% more when used at the Ultimate Rewards Travel Portal and are even valuable when transferred to Chase's airline partners.
    Oct 10, 2015
    By:
    I use my Capital One Quicksilver Visa card for all my transactions that I place over the internet only; otherwise I always use my debit card or cash. The Visa card gives a cash reward for all purchases and is very simple to redeem. This year I plan to use the money for Christmas presents!
    Oct 10, 2015
    By:
    I use a Capital One Quicksilver card as my main cash back card. I like that you get a constant percentage back without having to activate anything and that you can redeem any time. The way I use it is I set up the automatic credit feature. You can set different amounts but I set mine at $25. Every time I accumulate $25 of cash back the amount is credited to my card right away without me having to do anything. I could probably be more strategic about putting some bigger purchases on my card to maximize the cash back but I enjoy getting the rewards without having to think about it too much.
    Oct 10, 2015
    By:
    I only have two credit cards, but the one that I usually use is my Chase card. I have had it for about 4 or 5 years now, and I think that it is a great card. Not only is it really easy to use, it is also very easy to solve a problem with your bank if there is one. I have had to pay a little later in the future when my bill is due on certain things, and if I forget, this bank will pay off the payment for me just in case I forget. The best factor about this card is the cash back part though. Transferring money is really easy and fast, and there is also the fact that I get 3% cash back. This saves me a bunch of money, and leaves with a pretty nice amount afterwards. It is pretty convenient.
    Oct 6, 2015
    By:
    I have been using Blue Cash Preferred® from American Express for the past two years and have enjoyed the benefits of being able to get a bit back from my purchases. I am able to utilize for X amount that I spend, I can get reimbursed for X amount. Especially for essentials such as groceries and gas, I get extra points given back to me to redeem, allowing me to spend wisely and providing incentive for me to spend a little bit more. I love to be able to get something back and know that my purchases will not be wasted in the end. This has been one of the best rewards cards so far and I have always been able to redeem my points within 3 days.
    Oct 3, 2015
    By:
    My deciding factor when I was choosing a credit card was to see which one had the most rewards. The most reward that I looked for was to see which one had the most cash back. The card that was using miles to promote its rewards I didn't use because they are just a bunch of fakes. Then the second factor I looked for was customer service. Some cards look very good at the beginning but when you get trouble with them its the end. I looked for customer service that was understanding and relaxed. The card that matched my profile at the end was the Chase Freedom.
    Oct 2, 2015
    By:
    I use the Chase Freedom card, and it has the cash back effect on it. I love this thing, and when I use it, I get 1.5% back on my purchase. That might not seem like a lot, but it actually adds up pretty well in the end. Basically, it comes in handy when I am buying groceries, but I can not use it on major appliances like ovens or TV's. In the end though, it is somewhat of a hassle to get the money back for me. For some reason, it takes about 2 days to get it back to me, or for me to put the money on my card so that I can use it right away.
    Sep 24, 2015
    By:
    My credit card is Capital One Cash Rewards. I like to use it on just about everything, from groceries to utility bills. I like that, no matter what I buy, I get 1.5% cash back on it. I would like if that number was a little bit higher, but it is still respectable, and it is always fun to see my rewards rack up every month.
    Sep 24, 2015
    By:
    I have a Chase Freedom credit card and I absolutely love it. I use it all the time. I use my credit card to buy groceries, pay my phone bill and to put gas in my car. I pay my purchases off every month. One thing I love about the card is that I get cash back on every purchase I make and I also get bonuses for using the card more often. I think that using a credit card is a great way to build your credit as long as you pay it off every month.
    Sep 24, 2015
    By:
    I use my credit card for pretty much everything. I buy all my groceries with it and make all purchases at restaurants and other locations as well with it! As long as I pay it off right away, I feel that it is great to have a card I can use anywhere. A change I would like to make would be to use it on utilities such as electricity so I can get more cash back!
    Sep 23, 2015
    By:
    I got my Blue Cash Everyday card from American Express because I already had a standard American Express card for my personal and business use, but they were both for points only rewards. I had decided to give this a try and see if I liked it or not. The answer is, yes, I do like getting cash back. I gradually started to move certain purchases over to this card because of it. I still use my other cards for some things to get points but nothing beats knowing that I am making cold hard cash back on just buying things I normally would buy anyway, not to mention sometimes just paying bills.
    Page: 1 · 2 · 3 · 4 · 5 · 6 · 7 · 8 · 9 · 10