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Credit Card Applications » Questions » User Questions » Cash Back Rewards » I have nRewards secured card through NFCU and have managed to raise my credit score to 600. Now ...

I have nRewards secured card through NFCU and have managed to raise my credit score to 600. Now I want to apply for a credit card without down payment, without an annual fee, and with cash back.

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Leo Zhu

If you manage all your credit accounts well (make all monthly payments on time and keep balances low), you can get a credit card with cash back rewards. There are cards for people with average credit that offer cash back on all purchases or on purchases in specific categories, like gas or groceries. However, rewards credit cards usually charge an annual fee. The cards without an annual fee do not usually offer any rewards program. But once your credit is better, you should have no problems with finding a no annual fee credit card that offers cash back rewards.

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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.
For Excellent/Good Credit
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
For Fair Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit

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