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Credit Cards»Cash Back Credit Cards

Cash Back Credit Cards

What is a cash-back credit card?

Cash-back credit cards allow you to earn back a percentage of what you spend just for using your card. Want a card that offers cash as a perk for your everyday spending habits? Cash-back cards from our partners rebate a percentage of your daily purchases, offering a great way to keep more money in your wallet. Get cash back each time you swipe your card and maximize your savings.

Who should get one?

The large majority of these cards are designed for and offered to those with good to excellent credit. If your credit could use some work, you may not qualify for one of these cards.

Cash-back cards are best for disciplined spenders who consistently pay off their credit card balance each month. Doing so can maximize the benefits of this type of card, boosting savings on budgeted expenses. Otherwise, interest charges incurred on a balance can eat into the rewards earned on your spending habits. These cards can also be beneficial to those who frequently spend money on specific items like gas or groceries.

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What are some pros and cons?

Some cash-back credit cards give you the ability to earn up to 5 percent cash back in specific categories. Many even offer sign-up bonuses. As a positive, using one of these cards can cut back the bill for your regular monthly spending, helping to make extra room in your budget. But because they come with higher interest rates, they aren't ideal cards if you frequently carry a balance.

Tips on cash back cards

Apply for a card that offers rewards for items you frequently purchase. Each credit card company offers different rewards, and some have larger cash-back perks for spending in specific categories. It's important to apply for the card that best suits your lifestyle or the card may not be as beneficial.

In addition to comparing cards by rewards, compare interest rates, cash-back percentages and bonuses offered.

And make sure to pay off your balance each month so as to not negate the rewards you've earned.

Find the best cash-back cards for your lifestyle by using our extensive list of offers to compare terms, fees and introductory APRs.

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  • BankAmericard Cash Rewards™ Credit Card
    or call
    877-831-6028
    • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
    • No annual fee
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
    • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    12 billing cycles
    Intro APR Period
    0%
    Intro APR
    12 billing cycles for qualifying balance transfers
    Intro APR Period
    12.99% - 22.99% Variable on purchases & balance transfers
    $0
    Excellent Credit
  • Chase Freedom®
    • 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
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
    • 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
    • No annual fee and rewards never expire as long as your account is open
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    13.99% - 22.99% Variable
    $0
    Excellent/Good
  • MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card
    • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • All 30 team cards are available, customized with your favorite team's colors and logo
    • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
    • No annual fee†
    • No changing categories and your rewards do not expire
    • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
    • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    12 billing cycles*
    Intro APR Period
    0%*
    Intro APR
    12 billing cycles for qualifying balance transfers*
    Intro APR Period
    12.99% - 22.99% Variable* on purchases & balance transfers
    $0
    Excellent Credit
  • Upromise World MasterCard®
    • Earn a $100 cash back bonus after first purchase in the first 90 days of account opening
    • Earn up to 10% cash back on eligible purchases at participating online shopping and travel partners through Upromise.com
    • Earn 5% cash back on your total eligible restaurant bill from participating Upromise restaurants
    • Earn 2% cash back on eligible in-store department store and movie theater locations
    • Earn 1% cash back on all other purchases
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    0%
    Intro APR
    15 months, made within the first 45 days of account opening
    Intro APR Period
    13.99%, 19.99% or 22.99%* Variable
    $0
    Excellent Credit
  • Blue Cash Preferred® Card from American Express
    • 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.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • 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.
    • 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.
    • Terms and limitations apply.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    12.99% - 21.99% Variable
    $75
    Excellent Credit
  • Capital One® Quicksilver® Cash Rewards Credit Card
    or call
    866-781-9766
    • 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 all Uber rides purchased with this card through April 2016
    • 0% intro APR on purchases until February 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until February 2016
    Intro APR Period
    0%
    Intro APR
    until February 2016
    Intro APR Period
    12.9% - 22.9% (Variable)
    $0
    Excellent/Good
  • Blue Cash Everyday® Card from American Express
    • 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.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. 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.
    • 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.
    • Terms and restrictions apply.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    12.99% - 21.99% Variable
    $0
    Excellent Credit
  • Citi® Double Cash Card
    • 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
    • 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
    • No Annual Fee
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months*
    Intro APR Period
    0%
    Intro APR
    15 months*
    Intro APR Period
    12.99% - 22.99%* (Variable)
    $0*
    Excellent Credit
  • Barclaycard® Ring MasterCard®
    • No Balance Transfer Fees - start saving immediately!
    • A low 8% variable APR on balance transfers and purchases
    • No Annual Fees
    • Choose your card benefits and features
    • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
    • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
    • Learn more about personal finance from Barclaycard and other members
    • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    None
    Intro APR
    None
    Intro APR Period
    8.00% (Variable)
    $0
    Excellent Credit
  • Discover it®
    or call
    800-628-1537
    • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
    • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • 100% U.S.- based customer service— day or night.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    14 months
    Intro APR Period
    0%
    Intro APR
    14 months
    Intro APR Period
    10.99% - 22.99% Variable*
    $0
    Excellent Credit
  • Capital One® QuicksilverOne® Cash Rewards Credit Card
    or call
    866-781-9766
    • 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 all Uber rides purchased with this card through April 2016
    • 0% intro APR on purchases until February 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 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
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until February 2016
    Intro APR Period
    0%
    Intro APR
    until February 2016
    Intro APR Period
    22.9% (Variable)
    $39
    Fair Credit
  • Citi ThankYou® Premier Card
    • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
    • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
    • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
    • No foreign transaction fees on purchases
    • Points do not expire and earn unlimited ThankYou Points
    • Annual Fee: $95 (fee waived for the first 12 months)
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.99% - 22.99%* (Variable)
    $95; fee waived for the first 12 months*
    Excellent Credit
  • Citi Prestige® Card
    • $250 Air Travel Credit each year
    • Complimentary 4th Night for any hotel stay
    • Earn 50,000 bonus ThankYou® Points after $3,000 in purchases made with your card in the first 3 months the account is open.
    • Points are redeemable for an $800 flight on American Airlines or US Airways®, a $665 flight on any other airline or $500 in gift cards.
    • Transfer points to a variety of travel loyalty programs from airlines to hotels.
    • Earn 3x points on Air Travel and Hotels
    • Earn 2x points on Dining at Restaurants and Entertainment
    • 1 ThankYou® Point per $1 spent on other purchases
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.24* (Variable)
    $450
    Excellent Credit
  • Discover it®
    or call
    888-333-5886
    • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
    • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
    • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    0%
    Intro APR
    18 months
    Intro APR Period
    10.99% - 22.99% Variable*
    $0
    Excellent Credit
  • U.S. Bank FlexPerks® Select+ American Express® Card
    • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
    • Use your Card at select membership warehouse clubs and for everyday purchases.
    • 1 FlexPoint for every $1 in Net Purchases.
    • No annual fee.*
    • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
    • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    0%
    Intro APR
    9 billing cycles on Balance Transfers
    Intro APR Period
    13.99% - 23.99%* (Variable)
    $0
    Excellent Credit
  • Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points
    • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
    • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases
    • Points do not expire and earn unlimited Thank You Points
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    12 months*
    Intro APR Period
    0%*
    Intro APR
    12 months*
    Intro APR Period
    12.99% - 22.99%* (Variable)
    $0*
    Excellent Credit
  • Rakuten Rewards MasterCard®
    • Earn up to 5,000 Rakuten Super Points™. Earn 3,000 points upon approval, and an additional 2,000 points upon first purchase.
    • 5,000 Rakuten Super Points™ is a $50 value. Use points like cash at Rakuten.com.
    • Earn 3 Rakuten Super Points™ for every qualifying $1 spent on Rakuten.com.
    • Earn 1 Rakuten Super Points™ for every $1 spent everywhere else.
    • Terms and Conditions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 Billing Cycles
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.99 - 19.99% Variable
    $0
    Good/Excellent
  • Barclaycard® Rewards MasterCard®
    • No annual fee
    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
    • Use the points you earn like cash to pay for almost any purchases you've made.
    • No redemption fees, no limit on the points you can earn and no complicated set up.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
    • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.99%* Variable
    $0
    Fair Credit
  • USAA Cashback Rewards Plus American Express® Card
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • Earn 5% cash back at gas stations & qualifying commissaries on up to 3,000 in annual purchases.
    • Earn 2% cash back on groceries from supermarkets on up to 3,000 in annual purchases.
    • Earn 1% cash back on all other purchases.
    • Cash rebates are credited to your account annually, and there's no limit on the amount you can earn.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • No annual fee and no minimum finance charge.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.90%-25.90% (Variable)
    $0
    Good/Excellent
  • USAA Preferred Cash Rewards® World MasterCard®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • Earn 1.5% cash back on every purchase.
    • Cash rebates are credited to your account annually, and there's no limit on the amount you can earn.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • No annual fee and no minimum finance charge.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.90%-25.90% (Variable)
    $0
    Good/Excellent
  • USAA Cash Rewards® American Express® Card
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
    • No caps or limits on the amount you can earn.
    • Your cash rebate is awarded every January for the purchases made the previous 12 months.
    • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
    • No annual fee and no minimum finance charge.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.90%-25.90% (Variable)
    $0
    Good/Excellent
  • USAA Cash Rewards® Visa®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
    • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
    • No annual fee and no minimum finance charge.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.90%-25.90% (Variable)
    $0
    Good/Excellent
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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