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Cash Back Credit Cards

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Cash Back Credit Cards
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Cash back credit cards give you 1 - 2% cash back wherever you shop, and many also offer up to 5% cash back in specific categories. Some cards combine these rewards, letting you earn 5% cash back on things like gas, groceries, or hotels, while still getting 1-2% cash back on all your other purchases. Cash back cards are the best and easiest way to save money on every purchase you make.

What you should know:

  • Different Categories of Cash Back:

    Some cards offer 1-2% cash back on anything you buy, and some cards offer higher cash back awards - up to 5% - in certain categories such as gas, groceries, restaurants, entrainment which may rotate by season.

  • Cash Back on Cash Back:

    You could earn a cash bonus on top of your yearly cash back award, with cards that give you another 20% of whatever cash back award you earn each year.

  • Our Expert Advice:

    Do you know that every bank has its own online shopping mall, where they partner with and promote certain merchants? Many credit cards offer an amazing 20% cash back on purchases made directly from their online mall, or 10% back if you shop with their merchant partners.

Sort Cards by:RatingIntro APR on Bal.Tr.Intro APR on Purch.Regular APRAnnual Fee
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Expert Rating:
CARD'S SPECIAL:
5% Cashback Bonus in categories that change throughout the year up to the quarterly maximum

Cash Back By Categories:

Cash back is a fixed percent of money that is returned back from your purchase spendings in categories stated below. The spendings do not include taxes and some other fees which every card issuer states in its terms and conditions.
Gas Stations: up to 5%
Car Rental: up to 1%
Drugstores: up to 1%
Entertainments: up to 1%
Clothing Stores: up to 1%
Department Stores / Supermarkets: 5% *
Groceries / Convenience Stores: up to 1%
Restaurants / Dining:
Travel / Hotels / Airlines: up to 1%
All other Purchases: up to 1%
Redemption Options:
Redemption options means when, where, how often, and on what terms you can redeem the bonus points earned.
No rewards redemption fee.

* 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up.

Card Features:
Intro APR on Bal.Tr.0% (14 months)
Intro APR on Purch.0% (14 months)
Regular APR10.99% - 22.99%± Variable
Annual Fee$0
Our Expert Opinion
  • Longest 0% intro period on purchases from Discover.
  • Does not charge overlimit fee.
  • The safety is guaranteed.

  • Charges a balance transfer fee.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Expert Rating:
or call(866) 554-0808
CARD'S SPECIAL:
$100 Bonus after you spend $500 in the first 3 months

Cash Back By Categories:

Cash back is a fixed percent of money that is returned back from your purchase spendings in categories stated below. The spendings do not include taxes and some other fees which every card issuer states in its terms and conditions.
Gas Stations: 1%
Car Rental: 1%
Drugstores: 1%
Entertainments: 1%
Clothing Stores: 1%
Department Stores / Supermarkets: 1%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 1%
Travel / Hotels / Airlines: 1%
All other Purchases: 1%
Annual Cash Back Bonus:
At the end of each credit card account membership year you will earn an anniversary bonus calculated as a percentage of total amount of bonus points earned from purchases during that membership year.
50% bonus on the cash back you earn every year.
Redemption Options:
Redemption options means when, where, how often, and on what terms you can redeem the bonus points earned.
Redeem cash back anytime for any amount, even set automatic redemptions.
Card Features:
Intro APR on Bal.Tr.0% (until June 2014)
Intro APR on Purch.0% (until June 2014)
Regular APR12.9% - 20.9% (V)
Annual Fee$0
Our Expert Opinion
  • Straightforward cash back program.
  • No foreign transaction fees.

See card details
Average / Limited Credit

Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Expert Rating:
or call(866) 554-0808
CARD'S SPECIAL:
Get 2% cash back on travel purchases

Cash Back By Categories:

Cash back is a fixed percent of money that is returned back from your purchase spendings in categories stated below. The spendings do not include taxes and some other fees which every card issuer states in its terms and conditions.
Gas Stations: 1%
Car Rental: 2%
Drugstores: 1%
Entertainments: 1%
Clothing Stores: 1%
Department Stores / Supermarkets: 1%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 1%
Travel / Hotels / Airlines: 2%
All other Purchases: 1%
Redemption Options:
Redemption options means when, where, how often, and on what terms you can redeem the bonus points earned.
Get your cash back anytime as an account credit or check, even set up automatic redemption.
Card Features:
Intro APR on Bal.Tr.n/a
Intro APR on Purch.n/a
Regular APR24.9% (V)
Annual Fee$0
Our Expert Opinion
  • Get 2% cash back on travel purchases.
  • No foreign transaction fees.

  • High purchase APR.
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Expert Rating:
CARD'S SPECIAL:
Earn $50 Cash Back with your first Purchase. 5% Cash Back on eligible Online Shopping through Upromise.com

Cash Back By Categories:

Cash back is a fixed percent of money that is returned back from your purchase spendings in categories stated below. The spendings do not include taxes and some other fees which every card issuer states in its terms and conditions.
Gas Stations: 3%
Car Rental: 1%
Drugstores: 1%
Entertainments: 2%
Clothing Stores: 1%
Department Stores / Supermarkets: 1%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 4%
Travel / Hotels / Airlines: 1%
All other Purchases: 1%
Card Features:
Intro APR on Bal.Tr.0% (12 billing cycles)
Intro APR on Purch.0% (12 billing cycles)
Regular APR12.99% or 20.99% (Variable)
Annual Fee$0
Our Expert Opinion
  • A Cash back credit card for everyone.
  • No annual fee credit card.
  • 0% introductory rates to maximize savings.

  • Balance transfer and cash advance are not free.
See card details
Average / Limited Credit

Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Expert Rating:
or call(866) 554-0808
CARD'S SPECIAL:
50% bonus on the cash back you earn every year

Cash Back By Categories:

Cash back is a fixed percent of money that is returned back from your purchase spendings in categories stated below. The spendings do not include taxes and some other fees which every card issuer states in its terms and conditions.
Gas Stations: 1%
Car Rental: 1%
Drugstores: 1%
Entertainments: 1%
Clothing Stores: 1%
Department Stores / Supermarkets: 1%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 1%
Travel / Hotels / Airlines: 1%
All other Purchases: 1%
Annual Cash Back Bonus:
At the end of each credit card account membership year you will earn an anniversary bonus calculated as a percentage of total amount of bonus points earned from purchases during that membership year.
50% bonus on the cash back you earn every year.
Redemption Options:
Redemption options means when, where, how often, and on what terms you can redeem the bonus points earned.
Redeem cash back anytime for any amount, even set automatic redemptions.
Card Features:
Intro APR on Bal.Tr.n/a
Intro APR on Purch.0% (until March 2014)
Regular APR19.8% (V)
Annual Fee$39
Our Expert Opinion
  • Cash rewards never expire.
  • Awesome 50% Bonus on Cash Back earned.

  • Has an Annual Fee.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Expert Rating:
CARD'S SPECIAL:
$100 cash back after $500 in purchases within the first 3 months of account opening

Cash Back By Categories:

Cash back is a fixed percent of money that is returned back from your purchase spendings in categories stated below. The spendings do not include taxes and some other fees which every card issuer states in its terms and conditions.
Gas Stations: 1%
Car Rental: 1%
Drugstores: 1%
Entertainments: 1%
Clothing Stores: 1%
Department Stores / Supermarkets: 5% *
Groceries / Convenience Stores: 1%
Restaurants / Dining: 1%
Travel / Hotels / Airlines: 1%
All other Purchases: 1%

* Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment.

Card Features:
Intro APR on Bal.Tr.0% (12 months)26
Intro APR on Purch.0% (12 months)26
Regular APR12.99% - 22.99%26 (Variable)
Annual Fee$026
Our Expert Opinion
  • Convenient trip cancellation coverage.
  • Straightforward cash back rewards.
  • Covers against unauthorized transactions.

  • High standard APR.
See card details
Average / Limited Credit

Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Expert Rating:
CARD'S SPECIAL:
Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time

Cash Back By Categories:

Cash back is a fixed percent of money that is returned back from your purchase spendings in categories stated below. The spendings do not include taxes and some other fees which every card issuer states in its terms and conditions.
Gas Stations: 1%
Car Rental: 1%
Drugstores: 1%
Entertainments: 1%
Clothing Stores: 1%
Department Stores / Supermarkets: 1%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 1%
Travel / Hotels / Airlines: 1%
All other Purchases: 1%
Redemption Options:
Redemption options means when, where, how often, and on what terms you can redeem the bonus points earned.
Get your cash back anytime as an account credit or check, even set up automatic redemption.
Card Features:
Intro APR on Bal.Tr.n/a
Intro APR on Purch.n/a
Regular APR19.8% (V)
Annual Fee$0
Our Expert Opinion
  • Tools that allow you to monitor your credit score for FREE.
  • Get cash back for making payments on time.
  • Great card for students to build credit.

  • High standard APR.
See card details

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.

Cash Back Credit Cards - Give Money for Nothing

If you know how to use a cash back credit card to your advantage, then there is such a thing as a free lunch. You'll get money for nothing when you use a card that carries no fees, and you pay your balance in full every month. Of course, this isn't always possible, but if you can swing it, you'll rake in the cash for doing nothing at all - except using your credit card to pay for purchases you make anyway.

Cash back credit cards offer rewards in different terms, depending on the card. Some offer a straight percentage back (usually between 1% and 5%) while some offer a system in which you earn points that you can redeem for cash when you reach the required amount (for example, 8,000 points=$50 back).

For every time, there is a season - and for every reward category, as well! Many cash back cards offer bigger rewards on certain categories, according to the season. In summer, when families are vacationing, they can earn 5% back at gas and hotels, while in the fall, they may get 5% back on movies and restaurants. Look for the category that offers the biggest rewards and time your spending accordingly, if possible.

Our Experts about Cash Back Credit Cards

latest news:

AARP and Chase Introduce New Rewards Credit Card AARP and Chase Introduce New Rewards Credit Card

A new credit offering from Chase gives AARP members 3% cash back at gas stations and restaurants and 1% cash back on all other purchases. The card has no annual fee and cardholders can earn unlimited cash back. Continue reading

  •
More cash back news

related research:

CitiBusiness ThankYou Card: Triple ThankYou Points and a 15,000 Point Sign-On BonusCitiBusiness ThankYou Card: Triple ThankYou Points and a 15,000 Point Sign-On Bonus

The CitiBusiness ThankYou card feels like a regular consumer cash back credit card because it offers rewards in rotating categories. But it’s really a business credit card with bonus categories that offer extra value to companies.Continue reading

More cash back research

Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

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Cash Back Rewards Video

Cash Back Credit Cards: Get Up to 20 Cents Back for Each Dollar Spent

Cash Back Credit Cards: Get Up to 20 Cents Back for Each Dollar Spent
Questions & Answers about
Cash Back Cards

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Leo Zhu
Credit-Land Expert on Credit Cards
Leo Zhu
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