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2013 Credit Card Cash-Back Rewards Survey

Credit Cards » Credit Card Rewards Survey

If you had an option for a credit card that offers cash back or one that doesn't, it seems like a pretty obvious choice to lean toward the one offering free money, right? But how do you know which cash-back cards offer the biggest bang for your buck?

To help you find the best cash-back credit card for you, Bankrate.com examined 54 cash-back cards from 21 of the largest issuers. The survey was conducted April 8-18, 2013. The terms of the cards are as of these dates and subject to change.

Here we've compiled a list to show the returns offered on some of the more popular cash-back cards. Click on an individual card's name to see information about its annual fee, introductory bonus offers and restrictions, if applicable.

And remember, the cash you earn is diminished if you keep a revolving balance. Find out by how much by using our calculator: "Are you paying for your cash-back rewards?"

Credit card rewards

Issuing bankCredit cardCash-back ratio*APR
(in %)
Affinity FCUPure Rewards Visa0.7%-1%12 -18
American ExpressBlue Cash Preferred Card1% (3% on gas and select department stores, 6% at supermarkets)12.99 - 21.99
American ExpressBlue Cash Everyday Card1% (2% on gas and select department stores, 3% at supermarkets)12.99 - 21.99
American ExpressBlue Sky Preferred Card0.77%-1.33% (1.54%-2.66% on dining, hotel, car rentals)17.24
20.24
22.24
American ExpressBlue Sky0.77%-1.33%17.24
20.24
22.24
American ExpressBlue0.5%15.24
18.24
20.24
American ExpressTrue Earnings Card from Costco1% (2% on dining and travel; 3% on gas, up to $4,000)15.24
BarclaycardBarclaycard Rewards (good credit)1% (2% on gas, groceries, utilities)24.99
Baxter Credit UnionVisa Platinum with Cash Back1% (2% on dining, grocery stores, gas)10.25 - 20
Issuing bankCredit cardCash-back ratio*APR
(in %)
Bank of AmericaBankAmericard Privileges with Cash Rewards1% (2% on gas and 3% on groceries up to $1,500 in combined gas and grocery purchases each quarter)12.99 - 22.99
Bank of AmericaBankAmericard Cash Rewards1% (2% on gas and 3% on groceries up to $1,500 in combined gas and grocery purchases each quarter)12.99 - 22.99
Bank of AmericaBankAmericard Travel Rewards1.5%14.99 - 22.99
Bank of AmericaAccelerated Cash Rewards American Express1.25%12.99 - 22.99
Bank of AmericaBankAmericard Power Rewards1%12.99 - 22.99
Capital OneQuicksilver (excellent credit)**1.5%12.9 - 20.9
Capital OneQuicksilver (average credit)**1.5%19.80
Capital OneVentureOne Rewards Credit Card0.625%11.9 - 19.9
Capital OneVenture Rewards Credit Card1%13.9 - 20.9
Issuing bankCredit cardCash-back ratio*APR
(in %)
ChaseChase Freedom Credit Card1% (5% in select categories each quarter)13.99 - 22.99
ChaseChase Sapphire Preferred Card1% (2% on travel and dining)15.24
ChaseChase Sapphire Card1% (2% on dining)15.24
CitibankCiti ThankYou Premier Card0.5% (0.6% on groceries, gas, drugstores, parking and transportation)13.99 - 22.99
CitibankCiti ThankYou Card0.5%12.99 - 22.99
CitibankCiti Prestige Card0.5% (1% on dining)15.24
CitibankCiti ThankYou Preferred Card0.5%12.99 - 22.99
CitibankDividend Platinum Select Visa Card1% (5% in select categories each quarter)12.99
17.99
22.99
Citizens BankGreen$ense Platinum MasterCard25 cents per purchase when making minimum 10 purchases per month14.99 -19.99
Citizens BankCashBack Platinum MasterCard1%14.99 -19.99
Columbus Bank & TrustPurchase Perks1%7.24
9.24
12.24
15.24
18.24
Columbus Bank & TrustCash Rewards Visa Platinum Card0.25% up to $1,500; 0.5% between $1,500-$3,000; 1% for $3,000 and up7.24
9.24
12.24
15.24
18.24
Issuing bankCredit cardCash-back ratio*APR
(in %)
DiscoverIt Card1% (5% on rotating quarterly categories)10.99 - 22.99
DiscoverMiles by Discover1% (2% on first $3,000 in annual travel and dining)10.99 - 22.99
DiscoverOpen Road Card0.25% up to $3,000, 1% thereafter, and 2% on up to $250 in gas and dining each month10.99 - 22.99
DiscoverMotiva Card0.25% up to $3,000, 1% thereafter10.99 - 22.99
FidelityInvestment Rewards American Express2%13.99
FidelityRetirement Rewards American Express Card2%13.99
Fidelity529 College Rewards American Express Card2%13.99
Fifth Third BankCash Rewards MasterCard1% (2% on gas and grocery)12.99 - 23.99
Fifth Third BankReal Life Rewards Card0.67% (1.33% on gas and grocery)12.99 - 23.99
First Hawaiian BankCash Rewards1% (3% on special categories)14.24 - 16.24
First Hawaiian BankPriority Rewards Card0.5%-1%11.24
14.24
16.24
Issuing bankCredit cardCash-back ratio*APR
(in %)
First National Bank of OmahaMaximum Rewards0.7%-1%13.99 - 19.99
First National Bank of OmahaFirst National Bank of Omaha American Express Card1% (2% on gas and grocery)13.99 - 19.99
First National Bank of OmahaFirst National Bank of Omaha Graphite American Express Card1% (2% on gas and grocery, 3% on airlines)13.99 - 19.99
First National Bank of OmahaFirst National Bank of Omaha Discover Card0.5% up to $2,500; 1% between $2,500-$10,000; 5% between $10,000-$13,00013.99 - 19.99
Navy FCUcashRewards1% up to $10,000, then 1.5%9.65 - 18
Navy FCUgoRewards1%-1.25%9.49 - 18
Pentagon FCUPenFed Visa Platinum Cash Rewards Card0.25% (5% on gas)9.99
PricelineRewards Visa2% (5% on Name Your Own Price at Priceline.com)14.99
21.99
TD BankTD Cash Rewards Visa Credit Card1%9.24 - 23.24
US BankFlexPerks Travel Rewards Visa Signature Card1% (2% in highest spending category)13.99 - 23.99
US BankFlexPerks Select Rewards Visa Card0.5%13.99 - 23.99
Wells FargoRewards Card0.77%12.15 - 25.99
Wells FargoCash Back Card1%12.15 - 25.99

*The cash-back ratio lists the rate or rate of returns offered on transactions.

**Cards offered beginning June 26, 2013.

Bankrate.com examined 54 cash-back cards from 21 of the largest issuers. The survey was conducted April 8-18, 2013. Rewards are subject to change. Check with the institution for the latest information.

 

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The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products.

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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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