Cash Back Credit Cards

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Credit Card Applications » Rewards Credit Cards » Cash Back Credit Cards

Best Credit Cards with Cash Back from our partners

Cash back cards are the best and easiest way to save money on every purchase you make. They 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.

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

Top for June 2017
No Annual Fee
Fair/Limited Credit
for Business
Excellent, Good Credit
:
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
11.74% – 23.74% Variable
$0
CARD DETAILS:
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Show more
:
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 9 months
0% intro on balance transfers for 9 months
13.74% - 23.74% (Variable)
$0
CARD DETAILS:
  • One-time $100 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; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Show more
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (15 months)
0% (15 months (on balance transfers made within 45 days of account opening))
15.74%, 20.74% or 25.74% Variable
$0
CARD DETAILS:
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
CARD DETAILS:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Show more
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0%* (18 months on Balance Transfers*)
14.49% - 24.49%* (Variable)
$0*
CARD DETAILS:
  • 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 14.49% - 24.49% 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*
  • Show more
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Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
15.24% - 24.24% (Variable)
$0
CARD DETAILS:
  • One-time $100 cash bonus after you spend $500 on purchases within 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
  • No annual fee
  • No foreign transaction fees
  • Show more
:
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Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$39
CARD DETAILS:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
  • Show more
Average, Fair, Limited Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
20.74% (Variable)
$0
CARD DETAILS:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Show more
Excellent, Good Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
11.74% – 23.74% Variable
$0
CARD DETAILS:
  • Choose your favorite team & show your pride - all 30 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
  • Show more
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Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
CARD DETAILS:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Excellent, Good Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
11.74% – 23.74% Variable
$0
CARD DETAILS:
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Show more
Excellent, Good Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
11.74% – 23.74% Variable
$0
CARD DETAILS:
  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 9 months
0% intro on balance transfers for 9 months
13.74% - 23.74% (Variable)
$0
CARD DETAILS:
  • One-time $100 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; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (15 months)
0% (15 months (on balance transfers made within 45 days of account opening))
15.74%, 20.74% or 25.74% Variable
$0
CARD DETAILS:
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0%* (18 months on Balance Transfers*)
14.49% - 24.49%* (Variable)
$0*
CARD DETAILS:
  • 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 14.49% - 24.49% 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*
  • Show more
Excellent, Good Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
11.74% – 23.74% Variable
$0
CARD DETAILS:
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$39
CARD DETAILS:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
CARD DETAILS:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
CARD DETAILS:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Average, Fair, Limited Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
20.74% (Variable)
$0
CARD DETAILS:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Show more
Please refer to issuer's website
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
10.99% (6 months)
23.74% Variable
$0
CARD DETAILS:
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
17.74% (Variable)
$0 intro for first year; $59 after that
CARD DETAILS:
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% on purchases for 9 months
N/A
13.74% - 21.74% (Variable)
$0
CARD DETAILS:
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.74%-21.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
  • Show more
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0%* intro on purchases (7 months on Purchases*)
N/A
16.24%* (Variable)
$0
CARD DETAILS:
  • Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Show more
Average, Fair, Limited Credit
:
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.74% (Variable)
$0
CARD DETAILS:
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
  • Show more


Not Sure Which Card to Choose? Ask Our Experts!
Leo Zhu
Leo Zhu, CreditLand Consultant on Credit Card Questions

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). Others offer a cash bonus on top of your yearly cash back award, allowing you to add another 20% of whatever cash back award you earn each year.

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.

See also Credit Cards for:

Excellent Credit
750-850
Credit Score
Good Credit
700-749
Credit Score
Fair Credit
640-699
Credit Score
Bad Credit
350-639
Credit Score

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