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September 2026: Best Cash Back Credit Cards from Our Partners

A cash back card is something that a lot of people want for themselves. It's fairly simple in use and extremely effective in terms of rewards gaining. Cash back credit cards can be available to people with even a modest credit score. So, if you have less than perfect credit, you might still get a card that will bring you some cash back. You don't have to be wary, because cash back cards are foolproof and all over quite user-friendly.

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Cash Back Offer of September 2026

MAXIMIZE YOUR REWARDS

Discover it® Cash Back

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on Capital One's secure website

Rates & Fees
Excellent, Good Credit

Cash Back Offer of September 2026

MAXIMIZE YOUR REWARDS

Rating 5.0

  • Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
  • Redeem cash back for any amount. No annual fee
  • Terms and conditions apply

our choice

Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate
Rewards on everyday purchases:
1% cash back on all other purchases
Redemption Options:
Redeem cash back for any amount.
Match Rewards
at the End of Your First Year
Bonus Offer:
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% intro on purchases (for 15 months)
Intro APR on Balance Transfer:
0% intro on balance transfers (for 15 months)
Regular APR:
17.49% - 26.49% (Variable)
Balance Transfer Fee:
0% at the Transfer APR; 3% for the first 15 months; 5% at a promotional APR that Capital One may offer to you at any other time

Credit Cards with Cash Back Programs

When you are looking for a cash back credit card, you should pay attention to its characteristics to choose a really good one. Essentially, pay attention to the rewards rate, redemption options and the sign-up bonus. The best cards offer you the best conditions in all of those characteristics. A sign-up bonus on its own can justify getting a certain credit card. Here you can compare the best cash back cards and choose the one that works for you.

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Compare all these offers

Wells Fargo Active Cash® Card

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Rates & Fees
Excellent, Good Credit

our choice

Rating 5.0

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

our choice

$100
Cash Rewards Bonus
Bonus Offer:
Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
Rewards:
Earn unlimited 2% cash rewards on purchases.
Unlimited
2%
Cash Rewards
Max. Rewards:
Earn unlimited 2% cash rewards on purchases.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% intro APR for 12 months from account opening on purchases
Intro APR on Balance Transfer:
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR:
18.49%, 24.49%, or 28.49% Variable APR

Bank of America® Customized Cash Rewards credit card

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Excellent/Good Credit

our choice

Rating 5.0

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

our choice

$200
Cash Rewards Bonus
Bonus Offer:
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn Up to
6%
Cash Back
Max. Rewards:
Earn 6% cash back for the first year in the category of your choice. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Rewards on everyday purchases:
1% cash back on everyday purchases
Bonus Offer:
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Low Intro APR
Intro APR on Purchases:
0% Intro APR for 15 billing cycles for purchases
Intro APR on Balance Transfer:
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR:
17.49% - 27.49% Variable APR on purchases and balance transfers
Balance Transfer Fee:
3% for 60 days from account opening, then 5%
Annual Fee:
$0

Bank of America® Unlimited Cash Rewards credit card

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Excellent/Good Credit

our choice

Rating 5.0

  • Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • No annual fee.
  • Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

our choice

Low Intro APR
Intro APR on Purchases:
0% Intro APR for 15 billing cycles for purchases
Intro APR on Balance Transfer:
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR:
17.49% - 27.49% Variable APR on purchases and balance transfers
Balance Transfer Fee:
3% for 60 days from account opening, then 5%
Annual Fee:
$0
$250
Cash Rewards Bonus
Bonus Offer:
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Unlimited
1.5%
Cash Back
Rewards on Everyday Purchases:
Earn unlimited 1.5% cash back on all purchases.

Citi Double Cash® Card

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on Citi's secure website

Rates & Fees
Excellent, Good Credit

our choice

Rating 4.5

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

our choice

$200
Cash Back Bonus
Bonus Offer:
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn Up to
5%
Cash Back
Max. Rewards:
Earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Rewards on Everyday Purchases:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer:
0% (18 months on Balance Transfers)
Regular APR:
18.24% - 28.49% (Variable)
Balance Transfer Fee:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)

TD Cash Credit Card

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Rates & Fees
Excellent / Good Credit
This offer is only available in CT, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT, DC.

our choice

Rating 5.0

  • Special Offer: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
  • Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
  • Switch spend categories up to four times a year.​
  • No annual fee
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.

our choice

0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Intro APR on Balance Transfer:
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
Regular APR:
18.49%, 23.49% or 28.49% variable APR based on your credit worthiness.
Balance Transfer Fee:
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee:
None
$200
Cash Back
Bonus Offer:
Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
Earn Up to
3%
Cash Back
Max. Rewards:
Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly.
Rewards on Everyday Purchases:
Earn 1% Cash Back on other eligible purchases.

Discover it® Cash Back

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on Capital One's secure website

Rates & Fees
Excellent, Good Credit

our choice

Rating 5.0

  • Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
  • Redeem cash back for any amount. No annual fee
  • Terms and conditions apply

our choice

Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate
Rewards on everyday purchases:
1% cash back on all other purchases
Redemption Options:
Redeem cash back for any amount.
Match Rewards
at the End of Your First Year
Bonus Offer:
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% intro on purchases (for 15 months)
Intro APR on Balance Transfer:
0% intro on balance transfers (for 15 months)
Regular APR:
17.49% - 26.49% (Variable)
Balance Transfer Fee:
0% at the Transfer APR; 3% for the first 15 months; 5% at a promotional APR that Capital One may offer to you at any other time

Aven Rewards Visa® Credit Card

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Excellent/Good Credit
This offer is not available in DE, HI, MA, MD, MO, NJ, NV, NY, RI, SC, SD, TX, VI, VT, WV, WI, DC.

our choice

Rating 4.7

  • Upgrade to the Aven Home Equity card to get up to $400,000 Credit Limit with APR as low as 6.49%
  • $0 Annual Fee
  • 3% Cash Back on All Purchases Up to $10,000, Every Year*
  • 2% Unlimited Cash Back on All Purchases
  • Aven Black Metal Card
  • Rates as low as 17.99% with the Aven Rewards Visa Credit Card
  • Aven - 4.9/5 Star Rating on Trustpilot from 4,000+ reviews
  • No Foreign Transaction Fees
  • Travel Assistance Services
  • Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.
  • Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289*

our choice

Up to
3%
Cash Back
Max. Rewards:
3% Cash Back on All Purchases Up to $10,000, Every Year*
Rewards on everyday purchases:
2% Unlimited Cash Back on All Purchases
Redemption Options:
Yes
$0
Annual Fee
Annual Fee:
$0
Regular APR:
17.99% - 27.99%
Balance Transfer Fee:
N/A
Late Payment Fee:
$29
No
Foreign Transaction Fee
Foreign Transaction Fee:
$0
Annual Fee:
$0
Late Payment Fee:
$29

Chase Freedom Rise®

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on Chase's secure website

Rates & Fees
Excellent/Good/Limited/New to Credit

our choice

Rating 4.7

  • Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
  • Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Freedom Rise® cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® Card.
  • Member FDIC

our choice

Get a
$25
Statement Credit
Bonus Offer:
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Rewards
Rewards:

Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.


With Chase Freedom Rise®, you can start establishing credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
3%
Late Payment Fee:
Up to $40

Capital One Quicksilver Cash Rewards for Good Credit

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on Capital One's secure website

Rates & Fees
Good Credit

our choice

Rating 4.4

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • No rotating categories or sign-ups needed to earn cash rewards
  • Cash back won't expire for the life of the account and there's no limit to how much you can earn
  • $0 Fraud Liability for unauthorized charges
  • Top rated mobile app

our choice

Earn Up to
5%
Cash Back
Max. Rewards:
5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Bonus Offer:
N/A
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
No
Late Payment Fee:
Up to $40
No
Foreign Transaction Fee
Foreign Transaction Fee:
No
Annual Fee:
$0
Late Payment Fee:
Up to $40

Discover it® Cash Back for Good Credit

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on Capital One's secure website

Rates & Fees
Good Credit

our choice

Rating 4.7

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
  • Redeem cash back for any amount
  • $0 annual fee
  • Terms and conditions apply

our choice

Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate
Rewards on everyday purchases:
1% cash back on all other purchases
Redemption Options:
Redeem cash back for any amount.
Match Rewards
at the End of Your First Year
Bonus Offer:
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41

Capital One Savor Cash Rewards for Good Credit

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on Capital One's secure website

Rates & Fees
Good Credit

our choice

Rating 4.4

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • No rotating categories or sign-ups needed to earn cash rewards
  • Cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fee
  • No annual fee
  • You're covered by $0 Fraud Liability for unauthorized charges
  • Top rated mobile app

our choice

Earn
3%
Cash Back at Restaurants
Restaurant Rewards:
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Earn More
on Your
Daily Spending
Rewards on everyday purchases:
Earn 1% cash back on all other purchases
Max. Rewards:
Earn 8% cash back on Capital One Entertainment purchases
Rewards expiration:
Cash back won't expire for the life of the account and there's no limit to how much you can earn
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
No
Late Payment Fee:
Up to $40

Capital One QuicksilverOne Cash Rewards Credit Card

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on Capital One's secure website

Rates & Fees
Average, Fair, Limited Credit

our choice

Rating 4.4

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Top rated mobile app

our choice

Earn Up to
5%
Cash Back
Max. Rewards:
5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Bonus Offer:
N/A
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$39
Late Payment Fee:
Up to $40
Earn More
on Your
Daily Spending
Rewards on everyday purchases:
1.5% Cash Back on every purchase, every day
Max. Rewards:
5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Rewards expiration:
Cash back doesn't expire for the life of the accountµ

Tilt Essentials Card

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Excellent, Good, Limited History, No History, Limited, No Credit

our choice

Rating 4.5

  • 1% cash back on all purchases. Unlock 3% on gas and groceries with AutoPay
  • No Annual Fee
  • 1-10% cash back at select national merchants
  • Credit limit increases in as early as 4 months for qualified borrowers
  • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
  • Build credit alongside hundreds of thousands of Tilt card members
  • Tilt reports to all 3 major credit bureaus
  • Freeze your card in the mobile app at any time for peace of mind
  • Zero liability fraud coverage
  • No security deposits required
  • Card issued by WebBank
  • Rates & Fees

our choice

Earn Up to
10%
Cash Back
Max. Rewards:
1-10% cash back at select national merchants
Rewards on Everyday Purchases:
1% cash back on all purchases
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
$0
Late Payment Fee:
Up to $40
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
Yes

Capital One SavorOne Cash Rewards Credit Card

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on Capital One's secure website

Rates & Fees
Average, Fair, Limited Credit

our choice

Rating 4.4

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help strengthen your credit for the future with responsible card usage
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
  • Top rated mobile app

our choice

8%
Cash Back on Capital One Entertainment
Entertainment Rewards:
Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
Rewards on All Purchases:
Earn 1% cash back on all other purchases
5%
Cash Back at Capital One Travel
Travel Rewards:
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Rewards on All Purchases:
Earn 1% cash back on all other purchases
3%
Cash Back at Grocery Stores, on Dining and Entertainment
Max. Rewards:
Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
Dining and Grocery Rewards:
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Rewards on All Purchases:
Earn 1% cash back on all other purchases

Wells Fargo Signify Business Cash® Card

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Rates & Fees
Excellent, Good Credit

our choice

Rating 5.0

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
  • 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
  • $0 annual fee.
  • Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
  • Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
  • Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.

our choice

0%
Intro APR on Purchases
Intro APR:
0% intro APR for 12 months from account opening on purchases
Regular APR:
16.74% - 24.74% Variable APR
Annual Fee:
$0
$500
Cash Rewards Bonus
Bonus Offer:
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Rewards:
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
Unlimited
2%
Cash Rewards
Max. Rewards:
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.

Capital One Savor Student Cash Rewards Credit Card

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on Capital One's secure website

Rates & Fees
Average, Fair, Limited Credit

our choice

Rating 4.7

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
  • Top rated mobile app

our choice

Earn Up to
8%
Cash Back
Max. Rewards:
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Rewards on everyday purchases:
Earn 1% cash back on all other purchases
Bonus Offer:
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
$50
Cash Back Bonus
Bonus Offer:
Early Spend Bonus: Earn $50 when you spend $100 in the first three months

TD Double Up Credit Card

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Rates & Fees
Excellent / Good Credit
This offer is only available in CT, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT, DC.

our choice

Rating 5.0

  • NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Earn unlimited 2% Cash Back on all eligible purchases
  • No reward categories, no caps, no worries.​
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.

our choice

$200
Cash Back
Bonus Offer:
Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
Max. Rewards:
Earn unlimited 2% Cash Back on all eligible purchases
Rewards Transfer:
No
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Intro APR on Balance Transfer:
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
Regular APR:
18.49%, 23.49% or 28.49% variable APR based on your credit worthiness.
Balance Transfer Fee:
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee:
None
$0
Annual Fee
Annual Fee:
None
Foreign Transaction Fee:
$3
Late Payment Fee:
Up to $40

opensky® Plus Secured Visa® Credit Card

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Rates & Fees
Bad/No Credit

our choice

Rating 4.4

  • No annual fee – keep more money in your pocket!
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Earn up to 10% cash back on everyday purchases
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with as little as $300 – Secure your line with a refundable security deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 2 million+ cardholders who have used opensky® to build better credit!
  • Rates & Fees

our choice

$0
Annual Fee
Annual Fee:
$0
Regular APR:
28.24% (variable)
Balance Transfer Fee:
N/A
Late Payment Fee:
Up to $41
Up to
10%
Cash Back
Max. Rewards:
Earn up to 10% cash back on everyday purchases
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No

Capital One Quicksilver Student Cash Rewards Credit Card

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on Capital One's secure website

Rates & Fees
Average, Fair, Limited Credit

our choice

Rating 4.3

  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
  • Top rated mobile app

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Unlimited
1.5%
Cash Back
Rewards on Everyday Purchases:
Earn unlimited 1.5% cash back on every purchase, every day
$50
Cash Back Bonus
Bonus Offer:
Early Spend Bonus: Earn $50 when you spend $100 in the first three months

Imagine® Visa® Credit Card

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Rates & Fees
Fair/Poor Credit
This offer is not available in CO, HI, IL, ME, OR, WV.

our choice

Rating 4.4

  • Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • No Security Deposit
  • The Imagine Card is issued by Webbank
  • Review Cardholder Agreement for rate and fee information
  • *See Program Terms for important information about the cash back rewards program.
  • **Zero liability subject to Visa’s Zero Liability Policy.

our choice

Earn Up to
3%
Cash Back
Max. Rewards:
Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities
Rewards on Everyday Purchases:
Earn 1% Cash Back Rewards on all other eligible purchases
Up to
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
Up to $1,000 credit limit subject to credit approval
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Visa is Accepted
Credit Check:
Yes

opensky® Secured Visa® Credit Card

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APPLY NOW

Rates & Fees
Bad/No Credit

our choice

Rating 4.1

  • Earn up to 10% cash back on everyday purchases
  • No credit check required – 89% approval rate with zero credit risk to apply!
  • Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
  • Track your progress with free access to your FICO® score in our mobile app
  • Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
  • Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
  • Start with just $200—secure your credit line with a refundable deposit
  • Fast and easy application—apply in minutes with our mobile-first experience
  • Flexible payment options—pick a due date that works for you
  • More time to fund—spread your security deposit over 60 days with layaway
  • Join 2 million+ cardholders who have used opensky® to build better credit!
  • Rates & Fees

our choice

Up to
10%
Cash Back
Max. Rewards:
Earn up to 10% cash back on everyday purchases
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Start with just $200—secure your credit line with a refundable deposit
Credit Line Increase:
Get considered for a credit line increase after 6 months, with no additional deposit required
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
23.89% (variable)
Annual Fee:
$35
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Citi Double Cash® Card

Excellent, Good Credit
Apply for Citi Double Cash® Card - Credit-Land.com
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Rating 4.5

APPLY NOW

on Citi's secure website

Rates & Fees

DOUBLE CASH BACK: EARN WHEN YOU PAY

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.49%, based on your creditworthiness.
See more details

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questionsABOUT
REWARDS CREDIT CARDS

How does cash back rewards work?

Cash back rewards are the easiest to use and the most straightforward. You simply get a specific percentage back from purchases charged to a cash back credit card. Cash back rewards can be redeemed for statement...

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NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

how to choose CASH BACK
CREDIT CARDS

One may think that grabbing a credit card with the biggest cash back is all what you need when you are after rewards. However, that's not that easy. You should think strategically and never miss the details, not mentioning the fine print. It is important to be sure you will be able to use earned rewards and they won't vanish or stay unused.

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01. Who are cash back credit cards available to?

People with different types of credit history can get cash back credit cards. However, depending on your credit score, you can get different rewards rates. Naturally, the better credit score you have, the better cash back rewards you will get. The most rewarding cards are available to people with good or excellent credit. However, even if you have less than perfect credit, you have a chance to earn rewards. There are even secured cards with cash back rewards. Imagine building your credit and earning rewards at the same time!

02. Can you get a sign-up bonus with a cash back credit card?

Yes, cash back cards usually give you a sign-up bonus. The amount of this sign-up bonus can be different and varies from card to card and from issuer to issuer. Traditional sign-up bonus credit cards usually require you to spend a certain amount of money within a certain period of time to get the bonus. Sign-up bonus cards are a good way to finance big purchases or just earn a nice amount of cash.

03. How can I redeem cash back?

There are several ways to redeem cash back rewards, and you need to read a card's terms and conditions to learn how to redeem what you get. The most popular redemption options are the following:

- Bank Deposit: the cash back you've earned is put onto your checking or savings account. Some banks need you to accumulate a minimum amount, some don't. Check terms and conditions of the credit card's issuer to see how your card works.

- Statement Credit: this way you can apply your cash back to your credit card balance.

- Gift cards: some issuers allow you to buy gift cards from popular retailers to redeem your cash back.

- Charitable donations: some credit card companies allow you to donate some or all of your cash back to the charity of your choice.

commentsABOUT CREDIT CARDS
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