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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

    3.5 526 reviews

    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)
    • Annual Fee $0*
    • Rewards Rate 1 - 2% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • 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
    • Additional Info
    • 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
    • See More Details & Reviews About The Citi® Double Cash Card
    3.5 2,671 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until May 2016
    • 0% Transfers until May 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (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
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,156 reviews

    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%
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Earn 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 start earning 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. Cash back is earned only on eligible purchases
    • Terms and restrictions apply.
    • Additional Info
    • 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.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    4 1,856 reviews

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Named a Best Card for Cash Back by MONEY® Magazine
    • 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
    • Unlimited 1% Cash Back on every purchase
    • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
    • 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!
    • Additional Info
    • 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
    • See More Details & Reviews About The Chase Freedom®
    3.5 2,158 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • 0% Purchases until May 2016
    • 0% Transfers until May 2016No Transfer Fee
    • Regular Rate 22.9% (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
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until May 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until May 2016
    • 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
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • 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
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    4 989 reviews

    Blue Cash Preferred® from American Express


    american express blue cash preferred
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99% (V)
    • Annual Fee $75
    • Rewards Rate 1 - 6% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Earn 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 start earning 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. Cash back is earned only on eligible purchases
    • Terms and limitations apply.
    • Additional Info
    • 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.
    • See More Details & Reviews About The Blue Cash Preferred® from American Express
    3 3,032 reviews

    Credit One Bank® Credit Card with Gas Rewards


    credit one credit card
    • One-Time Fees None
    • Regular Rate 17.90% - 23.90% (V)*
    • Annual Fee $35 - $99
    • Monthly Fee None
    • Minimum Credit Bad
    3.5 2 reviews

    USAA Cash Rewards® American Express® Card


    cash rewards american express
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 9.9% - 25.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 - 2.25% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn up to 2.25% cash back on gas and grocery purchases all the time
    • Earn up to 1.25% cash back for all other purchases
    • There's no limit on the amount you can earn
    • Cash rebates are awarded annually in January
    • 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 of between 9.90% and 25.90% will apply. This rate will vary with the market based on the prime rate
    • Security Benefits: Zero liability coverage for unauthorized transactions if your card is lost or stolen. Concierge, emergency and roadside assistance
    • Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account
    • See More Details & Reviews About The USAA Cash Rewards® American Express® Card
    2.5 2 reviews

    USAA Cash Rewards® Visa®


    cash rewards visa
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 9.9% - 25.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn up to 1.25% cash back on your everyday purchases
    • There's no limit on the amount you can earn
    • Cash rebates are awarded annually in January
    • 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 of between 9.90% and 25.90% will apply. This rate will vary with the market based on the prime rate
    • Security Benefits: Zero liability coverage for unauthorized transactions if your card is lost or stolen. Visa Auto Rental Collision Damage waiver insurance
    • Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account
    • See More Details & Reviews About The USAA Cash Rewards® Visa®
    3.5 12 reviews

    USAA Cashback Rewards Plus American Express® Card


    cashback rewards plus american express
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 25.9% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn 5% cash back on up to $3,000 in gasoline purchases per year
    • Earn 2% cash back on up to $3,000 in supermarket purchases per year
    • Earn 1% cash back on all other purchases with no cap
    • Rebates are awarded every January for the purchases made the previous 12 months
    • 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 11.90% to 25.90%, 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
    • Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account
    • See More Details & Reviews About The USAA Cashback Rewards Plus American Express® Card
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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.

    Community Discussion

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

     
    Sep 1, 2015
    By:
    I work in sales, am single and travel all the time. When I am on the road I use my Citi Double Cash Card for everything that isn't a business expense. I used to strictly use a debit card, but the Double Cash Card pays one percent cash back per purchase and another one percent when the balance is paid on time. I never carry a balance. Basically I make money using this card. I love it!
    Aug 24, 2015
    By:
    I use the Chase Freedom card. I always use my credit card rather than my debit on big purchases to get the extra cash back. The best thing about the cash back on this card is you can apply it directly as a statement balance, making it extremely convenient. I love getting cash back on purchases, it makes me feel like I'm doing all that I can to save.
    Aug 20, 2015
    By:
    I have the CapitalOne Quicksilver Mastercard and I love the fact that I earn cash back on my purchases. I usually just apply the cash back I earn towards my statement balance. When I am ready to redeem my cash back I will make a purchase for myself and use the rewards to pay off the balance. I do not carry a balance on my card. I pay it off each month so using the cash back to pay on my statement allows me to splurge on myself. The only thing I would change is to use more card for more of my every day purchases so I can earn more cash back.
    Aug 17, 2015
    By:
    I use a Visa Student card though my credit union. I use it mostly to help me build credit and for the points. I only use my card when I have money in my checking account to cover the amount of money I am spending. I then pay it off right away. It is a wonderful card.
    Aug 13, 2015
    By:
    I have a Capital One cash back card. I use it to pay my monthly bills to accumulate the 1.5% rewards. When I have reward money available, I apply it to my bill. My credit is not good, and the fact that they have taken a chance on me makes me feel good.
    Aug 3, 2015
    By:
    I have a Citi credit card and the rewards program it uses is called Citi Easy Deals. You basically get points from every purchase you make with your credit card. There are things you can buy on the Easy Deals website in exchange for the points. You can get anything from gift cards to deals tailored to the area where you live. It's really cool. I think I would prefer cash back, though, if I am being honest.
    Aug 3, 2015
    By:
    I have a Chase southwest rewards that gives me fly points every time I use it. It gives one point for every purchase I make and double for airline tickets and restaurants. I love it, I think that the use of something that is so necessary like a credit card, does provides you benefits too. The only thing I would change is how high the annual fee is. The annual fee is 99 a year, but could come down to 50 or a similar amount, I still love my chase southwest rewards. Hope to have it available for many years to come.
    Aug 3, 2015
    By:
    I have the American Express Blue Cash Back Everyday card. I use my cash back whenever the Amex bill is higher than a specific amount in order to keep my costs as even as possible from month to month. It definitely helps pay for those unexpected extra bills from time to time. If I keep my spending under control for a few months, it really does help when it is needed.
    Jul 15, 2015
    By:
    My everyday go-to card has been the Citi DoubleCash. This card gives a flat 2% cashback on all purchases (1% initially, 1% when paying off.) The DoubleCash has one of the best and simplest rewards structures out there. It's hard to beat a flat 2% cashback on all purchases across the board and not have to deal with rotating categories. Furthermore, Citi offered me 15 months of 0% APR with %12.99 variable after the promotion expires. A great card all around!
    Jul 15, 2015
    By:
    I have an American Express Blue Cash Everday card. I have that one as I think the best reward is always cold hard cash. I chose American Express because when I moved to the US I had no credit history. That is a problem with Visa and Mastercard as they are franchises. American Express is global so approved my application as I had one in the UK already. Unlike other cashback cards, I do not have to worry about which deal of the quarter is currently active, and I get paid the cash back every month. It is a great card and I would only swap it for the Preferred version.
    Jul 8, 2015
    By:
    I have a Cash Rewards Visa that gives me 1.5% back on all purchases, but also provides a service through my bank with online vendors that have specials where the cash back can be anywhere from 2-10%. This mix provides fantastic deals. So find not only the best cash back rewards card that works for you, but also see if there are any affiliated programs with your bank that can make the card even better.
    Jun 25, 2015
    By:
    I signed up for a Blue Cash Preferred Card from American Express last year and have been using it constantly since. I mainly use it for grocery shopping but I have also used it for gas as well. I love being able to make back a small portion of what I spend. The rewards are also really nice. I ended up earning enough to redeem a gift card from Amazon, which was really cool. I have only experienced positive things from this card. I can't believe it took me so long to get one!
    Jun 25, 2015
    By:
    One year ago I signed up for a Chase freedom credit card, it seemed like the best option because my mom had been currently working for the bank. However, if you go any lower than excellent on your credit score while using their card, they are ridiculous. The good thing is that there is no annual fee and that the cashback is pretty decent but make sure you keep up that credit score or they will stalk you pretty much.
    Jun 14, 2015
    By:
    3 years ago I signed up for a Discover credit card. Its been the best way to establish credit while at the same time earning cash back on my everyday purchases. Especially when it comes their quarterly 5% cash back deals on things like restaurants and gas stations. They even run special promos from time to time in which you can earn even more cash back while booking vacations or buying clothes from sites that they have paired with to give even more back to their credit card holders.
    May 28, 2015
    By:
    I have a cashback card and I love it. I normally get .1% cash back on everything but every month there is a 5% cash back option. I don't spend a lot of money, but I get a couple of hundred dollars a year just for using this credit card. Considering that there is no annual fee, and I pay my credit card off every month, it is just free money. A lot of times the cash back is on something you'll use a lot of, like gas, groceries, or eating out. The great thing about Discover's cash back program is that you can get giftcards which cost less than they are worth. So a $50 gift card will cost $40 to buy. If you get one for a place you normally shop or eat, it's more free money.
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