Credit Cards» Cash Back Credit Cards

Cash Back Credit Cards

  • What is a cash-back credit card?
  • Who should get one?
  • What are some pros and cons?
  • Tips on cash back 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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Bank of America® Cash Rewards Credit Card
on Bank of America's
secure website
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • 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, 14.24% - 24.24% 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%
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Introductory APR On Purchases
Intro APR
12 Billing Cycles
Intro APR Period
0% Intro APR
Intro APR
12 Billing Cycles For Balance Transfers Made In The First 60 Days
Intro APR Period
14.24% - 24.24% Variable APR On Purchases And Balance Transfers
$0
Excellent/Good
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Apply Now
Capital One® Quicksilver® Cash Rewards Credit Card
on Capital One's
secure website
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro On Purchases
Intro APR
9 Months
Intro APR Period
0% Intro On Balance Transfers
Intro APR
9 Months
Intro APR Period
14.24% - 24.24% Variable
$0
Excellent, Good
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Chase Freedom Unlimited®
on Chase's
secure website
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.24% - 24.99% Variable
$0
Excellent/Good
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Apply Now
Discover it® Cashback Match™
on Discover's
secure website
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
|
Terms and Restrictions 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
13.24% - 24.24% Variable
$0
Excellent/Good
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Blue Cash Everyday® Card from American Express
on American Express's
secure website
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
0% On Balance Transfers
Intro APR
15 Months
Intro APR Period
14.24%-25.24% Variable
$0
Excellent, Good
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Apply Now
HSBC Cash Rewards Mastercard® credit card
on HSBC's
secure website
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.24%, 18.24% or 24.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0% Intro APR
Intro APR
15 Months
Intro APR Period
Variable APR Of 14.24%, 18.24% Or 24.24%
$0
Good/Excellent
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Apply Now
Chase Freedom®
on Chase's
secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.24% - 24.99% Variable
$0
Excellent/Good
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Apply Now
Wells Fargo Cash Wise Visa® Card
on Wells Fargo's
secure website
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.24%-26.24% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Terms and Restrictions Apply
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
14.24%-26.24% Variable
$0
Excellent/Good
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Apply Now
Citi® Double Cash Card
on Citi's
secure website, or call
888-252-3753
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0%
Intro APR
18 Months*
Intro APR Period
14.74% - 24.74%* Variable
$0*
Excellent/Good
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Apply Now
Capital One® Savor℠ Cash Rewards Credit Card
on Capital One's
secure website
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 15.74%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.74%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro On Purchases
Intro APR
9 Months
Intro APR Period
0% Intro On Balance Transfers
Intro APR
9 Months
Intro APR Period
15.74% - 24.49% Variable
$0
Excellent, Good