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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Blue Cash Preferred® Card from American Express
on American Express's
secure website, or call
877-915-6641
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 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.
  • $95 annual fee.
  • 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
12 Months
Intro APR Period
0% On Balance Transfers
Intro APR
12 Months
Intro APR Period
14.24%-25.24% Variable
$95
Excellent,Good
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Apply Now
U.S. Bank Cash+™ Visa Signature® Card
on U.S. Bank's
secure website
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas or groceries.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.24% - 24.24%
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0%* Intro On BTs
Intro APR
12 Months
Intro APR Period
15.24% - 24.24%* Variable
$0*
Excellent
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Apply Now
The Plum Card® from American Express OPEN
on American Express's
secure website, or call
866-496-4761
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
N/A
$0 introductory annual fee your first year, then $250
Excellent
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Apply Now
MLB™ Cash Rewards Mastercard® from Bank of America
on Bank of America's
secure website
  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • 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 annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 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
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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Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
on Bank of America's
secure website
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $8 million from Bank of America from this program since 2009.
  • 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 annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 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.
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
Mastercard® Black Card™
on Luxury Card's
secure website
  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0% Introductory APR For The First Fifteen Billing Cycles On Balance Transfers Made In The First 45 Days
Intro APR
15 Billing Cycles
Intro APR Period
16.24% Variable
$495
Excellent
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Apply Now
Citi ThankYou® Preferred Card
on Citi's
secure website
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • After that, the variable APR will be 14.74% - 24.74% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%*
Intro APR
15 Months On Purchases
Intro APR Period
0%*
Intro APR
15 Months On Balance Transfers
Intro APR Period
14.74% - 24.74%* Variable
$0*
Excellent
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Apply Now
Mastercard® Gold Card™
on Luxury Card's
secure website
  • 24K-Gold Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0% Introductory APR For The First Fifteen Billing Cycles On Balance Transfers Made In The First 45 Days
Intro APR
15 Billing Cycles
Intro APR Period
16.24% Variable
$995
Excellent
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Apply Now
ABOC Platinum Rewards Credit Card
on Amalgamated Bank of Chicago's
secure website
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 14.15% - 24.15%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
12 Months
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
14.15% - 24.15% Variable APR On Purchases And Balance Transfers
$0
Good/Excellent
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Apply Now
Mastercard® Titanium Card™
on Luxury Card's
secure website
  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0% Introductory APR For The First Fifteen Billing Cycles On Balance Transfers Made In The First 45 Days
Intro APR
15 Billing Cycles
Intro APR Period
16.24% Variable
$195
Excellent