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Cash Back Credit Cards

The Best Cash Back Credit Cards - More Cash Back In Your Pocket

Cash back reward and rebate programs are great and it’s no surprise that they are one of the most popular types of credit cards.  Unlike points or miles which often accrue and sit unused, cash back rebates will definitely be used right away.  Aside from the cash rebate, there are usually very few additional frills.  Most cards have no annual fee, but be sure to carefully check the details. 

So start earning as high as 5% cash back on your everyday purchases.  Compare cash back offers below and apply for your cash rebate card today using the secure online applications.

Category
Monthly Spend
Balance
  • Earn up to $550 cash back in the first year.
  • $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.99% - 25.49%
  • No annual fee*
  • Great Offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
 

 Card Rating

 Credit Needed

 Good,Excellent

 
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
 

 Card Rating

 Credit Needed

 Good, Excellent

 
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • Unlimited 1.5% cash back on all eligible net purchases.
  • No categories. Just use your card and earn unlimited cash back.
  • Cash back never expires and no minimum redemption options.
  • No Annual Fee*.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.99% - 25.49%
 

 Card Rating

 Credit Needed

 Excellent Credit

 
  • 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 14.49% - 27.49% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
  • $0 Annual Fee*
  • 3% Cash Back1 at Coffee Shops, Fast Food Locations and on Ridesharing Services2
  • 2% Cash Back1 at Gas Stations2 and Restaurants2
  • Plus, 1% Cash Back1on all other purchases! Cash Back redemption is applied as a statement credit.
  • Unlimited Cash Back1on every purchase - no rotating categories, no sign ups and no point caps
 

 Card Rating

 Credit Needed

 Excellent, Good

 
  • Unlimited 1.5% Cash Back1 on every purchase - no exclusions, no sign ups and no point caps!
  • $150 Cash Back Bonus2 after you spend $1,000 on purchases in your first 3 months from account opening.
  • toggle® tools allow you to create and change settings for what, when and how you pay.
  • Earn rewards on everything and never owe interest on daily purchases if you choose to pay those transactions with auto-pay.
  • The only card you need: one card connected to your checking account means simpler tracking, account management and spending with the unique, flexible and easy-to-use tools toggle®offers.
  • $0 Annual Fee*
  • Redeem for Cash Back1 or choose from gift cards, travel, merchandise and more. Cash Back redemption is applied as a statement credit.
 

 Card Rating

 Credit Needed

 Excellent, Good

 
  • Up to 1.5% cash back after making 12 on-time monthly payments.
  • 1% cash back on purchases right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology helps applicants without credit history get approved
  • $500 - $10,000 credit limits
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, member FDIC
 

 Card Rating

 Credit Needed

 Excellent, Good, LimitedHistory, NoHistory, Limited, NoCredit

 
  • A travel & entertainment rewards card for students, young professionals & recent immigrants
  • Priority Pass™ Select Membership (valued at $99), after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.
  • 3% cash back on travel & entertainment, 2% cash back on restaurants, 1% unlimited cash back on all other purchases
  • Credit limits up to $10,000
  • $0 annual fee & no foreign transaction fees
  • Helps students and professionals build a credit history and gain financial independence
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
  • Complimentary cellphone insurance up to $600
 

 Card Rating

 Credit Needed

 Good

 
  • A college credit card for all students - both from the US and visiting from abroad. (For international students, an SSN is not required to apply)
  • Amazon Prime Student Membership (get reimbursed for subscription fees up to a lifetime total of $59)
  • 1% unlimited cash back on all purchases
  • Credit limits up to $5,000
  • $0 annual fee & no foreign transaction fees
  • Helps students build a credit history and gain financial independence
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
  • Complimentary cellphone insurance up to $600
 

 Card Rating

 Credit Needed

 No Credit History

 
These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.
Cash Back Rewards

In the days before cash back rewards, credit cards often came with sizable annual fees and no spending bonuses. But it only takes a quick look at today's best cash back credit cards to know that those days are over.

As easy as these offers may make it seem to earn while you spend, it's still important to pay close attention to the terms of your credit agreement. Cash back credit cards can be great for your personal finances when used cautiously, but the deals might come with certain conditions that could negate your rewards if you aren't careful.

How cash back credit cards work

It might sound crazy to hear that you can earn money by spending it, but cash back rewards credit cards really can transform your monthly expenditures into extra cash. Here are some of the ways that cash back credit cards pay you for spending:

  • Percentage points - Most cash back rewards credit cards use a percentage system to determine how much cash you'll get back. The base rate for these reward percentages is usually between .25 and 1 percent, although better rates may be available under restricted conditions.
  • Cash back bonuses - A few of the cash back credit cards on the market offer you extra incentive to spend early. Often, reward amounts of $100 to $200 can be earned for spending $500 to $1000 in the first few months of owning your card.
  • Purchase categories - Several of the cash back rewards credit cards available today let you to choose a few purchase categories -- groceries, restaurant dining, gas and others -- in which you get a percentage increase in your cash back. Credit cards with category provisions can give as much as 5 percent cash back on purchases in your chosen categories.
  • Partner programs - Credit companies sometimes coordinate their cash back credit card promotions with particular retailers, restaurants, and charitable organizations. In these cases, you can get higher percentage rates or other extra rewards by using your cash back credit card at these partner businesses.

Unlike points credit cards, cash back credit cards typically require no action on your part to redeem your rewards. Most cash back rewards credit cards will simply credit your account at the end of the month, year or fiscal quarter.

How to take advantage of cash back rewards credit cards

There are a few ways to get the most out of your cash back credit card. All of these strategies require a certain amount of patience and financial discipline, but the payoff can be big if you handle them right.

One quick and fairly safe way is to build your savings until you can afford a big-ticket item, such as a car or a piece of high-tech equipment. Then, open a cash back credit card with a spending limit high enough to cover your purchase and charge it, reaping the cash bonuses while being able to pay down your balance that same month.

A way that's longer-term and slightly riskier would be to open a cash back rewards credit card just before you're prepared to allow yourself to take on an amount of debt. The holiday season is a great example, or the beginning of a college semester. Then use the card to make your necessary purchases and pay the balance down in time to avoid letting interest cut into your rewards.

The simplest way -- using your rewards card for everyday purchases and making regular payments each month -- can also earn you significant gains. This is especially true if you use the card in ways that increase your reward percentage, such as those listed above, and pay careful attention to your month-to-month balance. By doing this, your cash back rewards credit card can pay you back on your spending year after year.

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