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Credit card rewards survey


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Credit Cards » Credit Card Rewards Survey

When it comes to credit card rewards, cash back is a popular option. In fact, nearly 45 percent of offers for rewards credit cards sent in 2011 were for cash-back cards, according to new research from Mintel Comperemedia.

But which cash-back cards offer the best return for your spending?

To help you find a rewarding cash-back credit card, gathered key details on the cash-back cards from among the largest issuers. The survey, which included 50 cash-back cards from 19 issuers, was conducted from Jan. 9 to 13, 2012.

The following chart shows you the return you'll get on your spending -- in some cases, a range based on spending level or purchase category -- offered on popular cash-back cards. Click on an individual card's name to see information about its annual fee, reward formula, introductory bonus offer and expiration restrictions, if applicable.

Credit card rewards

Issuing BankCardCash-back ratio
Affinity FCU
Pure Rewards Visa0.7%-1%
American ExpressBlue Cash Preferred Card1% (6% at supermarkets, 3% at gas stations, department stores)
American ExpressBlue Cash Everyday Card1% (3% at supermarkets, 2% at gas stations and supermarkets)
American ExpressBlue Sky Preferred0.77%-1.33% (1.54%-2.67% on travel, restaurants)
American ExpressBlue Sky0.77%-1.33%
American ExpressClear1%
American ExpressTrueEarnings (Costco card)1% (3% on up to $3,000 of gasoline, 2% travel, restaurants)
Baxter Credit UnionVisa Platinum with Cash Back1% (2% at restaurants, grocery stores, gasoline)
Bank of AmericaBankAmericard Cash Rewards1% (3% on up to $1,500 of gasoline, 2% on up to $1,500 in groceries)
Bank of AmericaAccelerated Rewards American Express Card1.25%
Bank of AmericaBankAmericard Power Rewards credit card1%
Capital OneCapital One Cash Credit Card (excellent credit)1%
Capital OneCapital One No Hassle Cash Rewards Credit Card (average credit)1% (2% at gas stations, grocery stores)
Capital OneVentureOne Rewards Credit CardUnknown
Capital OneCash Rewards for Newcomers Credit Card1% (2% on travel)
Capital OneVenture Rewards Credit CardUnknown
ChaseChase Freedom1% (5% in select rotating categories quarterly up to $1,500)
ChaseChase Sapphire Preferred Card1% (2% on travel and restaurants)
ChaseChase Sapphire Card1% (2% on restaurants)
CitibankCiti ThankYou Premier Card0.6%-0.71% (0.72%-0.86% at grocery stores, gas stations, drugstores, commuter transportation and parking merchants)
CitibankCiti ThankYou Prestige Card0.6%-0.71% (0.78%-0.93% at grocery stores, gas stations, drugstores, commuter transportation and parking merchants)
CitibankCiti ThankYou Preferred Card0.6%-0.71%
CitibankDividend Platinum Select Visa Card1% (5% in select rotating categories quarterly)
CitibankCiti Forward0.6%-0.71% (3%-3.57% at restaurants, bookstores, music stores, video rental, movie theaters)
Columbus Bank & TrustCash Rewards Visa Platinum Credit Card0.25% up to $1,500; 0.5% between $1,500-$3,000; then 1% for $3,000 and more
DiscoverMiles by Discover1% (2% on up to $3,000 in travel and restaurant purchases)
DiscoverDiscover More Card0.25% up to $3,000, then 1% (5% on rotating categories)
DiscoverDiscover Open Road0.25% up to $3,000, then 1% (2% on up to $250 in combined gas and restaurant purchases each billing period)
DiscoverDiscover Motiva Card0.25% up to $3,000, then 1%
FidelityFidelity Investment Rewards American Express Card2%
FidelityFidelity Retirement Rewards American Express Card2%
FidelityFidelity 529 College Rewards American Express Card2%
Fifth Third BankCash Rewards MasterCard1% (2% on gas, grocery and discount stores)
Fifth Third BankReal Life Rewards Credit Card0.66%-0.83% (1.33%-1.66% on gas, grocery, and discount stores)
First Hawaiian BankPriority Rewards Credit Card0.5%-0.83%
First National Bank of OmahaMaximum Rewards Platinum Edition Visa Card0.71%-1%
First National Bank of OmahaFirst National Bank of Omaha American Express Card1% (2% on gas and groceries)
First National Bank of OmahaFirst National Bank of Omaha Graphite American Express Card1% (3% on airlines, 2% on gas and groceries)
First National Bank of OmahaFirst National Bank of Omaha Discover Card0.5% up to $2,500, then 1%
Navy Federal Credit UnioncashRewards1% up to $10,000, then 1.5%
Navy Federal Credit UniongoRewards1%-1.25%
Pentagon Federal Credit UnionVisa Platinum Cash Rewards Card0.25% (5% on gasoline)
RBS Citizens BankGreen$ense Platinum MasterCardFlat $0.25 per transaction after 10 purchases
RBS Citizens BankAccelerator Rewards Platinum MasterCard1% (2% on gas)
RBS Citizens BankCashBack Platinum MasterCard1%
TD BankTD Cash Rewards Visa Credit Card1%
U.S. BankU.S. Bank FlexPerks Cash Rewards Visa Card0.5%
U.S. BankU.S. Bank FlexPerks Select Rewards Visa0.5%
Wells FargoWells Fargo Rewards Card0.77%
Wells FargoCash Back Card1%

This information was gathered the week of Jan. 9, 2012. Rewards are subject to change. Check with the institution for the latest information.


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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Product Rate Change Last week
Cash Back Cards 17.94% --0.00 17.94%
Low Interest Cards 13.42% --0.00 13.42%

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