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, WalletHub® 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 (some of which are from WalletHub’s partners) or simply take a look at our Editor’s Picks for the best cash back credit cards.... show more
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- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- Earn $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $200 initial rewards bonus
- Above-average regular APR
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
- Annual fee starting second year
- Above-average regular APR
- 2.7% foreign-transaction fee
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $100 initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- Foreign fee
- Requires excellent credit
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
Questions & Answers
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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