2010 Exclusive Cash-back rewards
Credit cards
credit cards
2010 Exclusive Cash-Back Rewards survey

2010 Credit Card Cash-Back Study » Study results

Bankrate surveyed credit cards offered by the 10 largest U.S. issuers as well as several investment cards to find the best reward card.

To see the details of each credit card, click on the name of the credit card.

Credit cards
IssuerCardCash-back ratio
American ExpressBlue Cash0.5% (1% for everyday purchases) up to $6,500; then 1.25% (5% for everyday purchases)
American ExpressTrue Earnings card from Costco1% (2% travel, 3% dining, 3% on first $3,000 of gasoline)
Bank of AmericaAccelerated Cash Rewards American Express1.25%
Bank of AmericaBankAmericard Power Rewards Visa Signature Card0.5% to 0.8%
Bank of AmericaCash Rewards Visa Signature1%
Capital OneNo Hassle Cash (Average Credit)1% (2% gas and groceries)
Capital OneNo Hassle Cash (Excellent Credit)1%
Capital OneNo Hassle Cash (Limited Credit)1% (2% on gas and groceries)
Capital OneVenture Rewards Credit Card1%
ChaseChase Freedom1% (5% on certain categories)
ChaseChase Sapphire with Ultimate Rewards1%
CitibankCiti CashReturns1%
CitibankCiti Forward0.625% (3.125% on dining and entertainment)
CitibankDiamond Preferred Rewards0.625%
DiscoverMiles by Discover0.5% (1% on travel and restaurants up to $3,000)
DiscoverMore Card0.25% up to $3,000; then 1%; 5% on certain categories
DiscoverMotiva0.25% up to $3,000; then 1%
DiscoverOpen Road0.25% up to $3,000; then 1%; 2% on first $250 of gasoline and restaurants per month
Fidelity529 College Rewards American Express2%
FidelityInvestment Rewards American Express2%
FidelityInvestment Rewards Visa1.5%
FidelityRetirement Awards American Express2%
First National Bank of OmahaBucksBack1%
First National Bank of OmahaMaximum Rewards0.7% to 1.25%
Navy FCUCash Rewards1% on first $10,000, then 1.5%
Navy FCUgoRewards1% to 1.25%
U.S. BankFlexPerks Cash Rewards Visa1%
U.S. BankFlexPerks Select Rewards Visa0.5%
Wells FargoCash Rewards1%
Wells FargoRewards1%

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Product Rate Change Last week
Balance Transfer Cards 15.77%  0.06 15.71%
Cash Back Cards 16.48%  0.07 16.41%
Low Interest Cards 10.96%  0.10 10.86%
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