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Search results: Cash Back Cards

Bankrate.com makes finding, comparing, and applying for a credit card an easy process!
Below you will find a listing of some of the most popular credit cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

Capital One® No Hassle Cash(SM) Rewards - Excellent Credit



    • 2% cash back on gas and groceries
    • 1% cash back on all other purchases
    • No limit on the cash you can earn and cash won't expire
    • Redeem cash rewards for statement credit, check or gift card
    • Get your cash back whenever you want, even set up automatic redemption
    • 0% APR on purchases until November 2010
    • No foreign transaction fees
    • No annual fee

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% on purchases until November 2010 14.90% (V) None Yes Excellent

Chase Freedom(SM)



    • $50 Cash Back after your first purchase!
    • 3% bonus cash back offers in categories like gas, home improvement and department stores
    • Full 1% Cash Back on every purchase - no spending tiers or caps on how much you can earn
    • Up to an additional 20% cash back at select merchants when you shop online through Chase

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% up to 12 Months As low as 13.24% None Yes Excellent

Discover® Motiva(SM) Card



    • Cash Rewards for your good credit management!
    • Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
    • 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
    • Up to 1% Cashback Bonus on all other purchases
    • Unlimited cash rewards
    • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
    • 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
3.99%* Up to 12 Months* 11.99% - 18.99%* None Yes Good

Discover® More(SM) Card



    • Earn more cash in more ways than anyone else(SM)
    • Unlimited cash rewards, automatically
    • Up to 20% Cashback Bonus® when you shop online
    • Double rewards with more than 100 Cashback Bonus Partners
    • Customer Service in less than a minute, anytime you want
    • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0%* 6 Months* 11.99% - 18.99%* None Yes Good

TrueEarnings(R) Card from Costco and American Express



    • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
    • Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
    • No Annual Fee with your paid Costco Membership
    • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
    • No Limit on the Cash Back earned
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
See Terms* See Terms* 15.24% See Terms* Yes Excellent

American Express (R) Preferred Rewards Gold Card



    • Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
    • The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
    • Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
    • Express Approval. Get a decision in less than 60 seconds.
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
N/A N/A N/A $125 annual fee N/A Excellent

GOLF MAGAZINE® Rewards Visa® Credit Card



    • Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value!†
    • Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards
    • Points don't expire (as long as your account is open and you use your credit card every 24 months)
    • Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles.
    • No Annual Fee
    • Receive a 10% discount on all golf rounds at golf.com/tee times when you purchase with your GOLF Magazine Visa card.
    • 24/7 customer service

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% 6 months 16.24% None Yes Good

Citi PremierPass® Card - Elite Level



    • 20,000 bonus points after $600 in purchases made within 3 months of account opening*
    • Earn 2 points for every dollar spent on everyday purchases and 1 point for all other purchases*
    • Earn 1 point for every mile you fly on any airline*
    • Earn 1 point for every mile friends and family fly on tickets purchased with your card*
    • Get a complimentary companion ticket when you buy a qualifying ticket*

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
N/A N/A 14.24% (V) $75 Annually Yes Good

Visa® Black Card



    • 24-Hour Concierge Service: Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs.
    • Exclusive Rewards Program: Receive 1% cash back on all purchases with Black Card’s Exclusive Rewards Program.
    • Travel Redemption: Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements.
    • Luxury Gifts: Cardmembers receive luxury gifts from some of the world's top brands.
    • Travel Lounge Priority Pass: Complimentary membership which provides access to over 600 lounges in more than 100 countries.
    • Limited Membership: Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember.
    • Black Card Benefits: Cardmembers are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service and Purchase Security.
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% six billing cycles 13.24% $495 Yes Excellent

PartnersFirst Rewards Visa® Card



    • Get a $25 statement credit, when you spend $100 on purchases within 60 days on the card.*
    • Earn 1% cash back on every purchase and customize your card with your favorite photo!
    • *Terms of Offer: In order to qualify, you must be approved and make qualifying purchases totaling $100 within the first 60 days of account open date. Offer valid for new cardholders through this promotion only. Not valid for existing PartnersFirst Rewards cardholders. This promotion is offered and administered by PartnersFirst. Offer to apply expires November 30, 2009.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% 6 months 16.24% None Yes Good

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Definitions
Credit cards: Enter up to 5 credit card accounts, one on each line.
Balance: Your current balance on your credit card.
Interest rate: The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to payoff this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
Payment: This is your initial minimum monthly payment. Your minimum monthly payment is calculated as 2% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Credit limit: This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Credit card definitions

Intro APR: The initial interest rate that is charged for a specified period of time.

Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip
Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.
Credit card tip
Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.
Credit card tip
If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.
Quality Assurance
Compare rate with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* 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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Other Cash Back Cards

Institution APR Fees & Conditions
Fulton Bank 14.49 More information
Wachovia Bank 14.49 More information
Wachovia Bank 14.49 More information
National City Bank 17.99 More information
State Farm Bank, FSB 14.24 More information
About this table
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About this index
Credit Card Averages
Product Rate
Balance Transfer Cards 14.54%
Cash Back Cards 14.71%
All Variable 11.68%
Low Interest Cards 9.71%
Compare rates:  
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