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Cash Back Credit Cards

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Best Credit Cards with Cash Back

Cash Back Credit Cards
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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.

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

Excellent Credit
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!

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
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: 5%*
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.
No rewards redemption fee.

* 5% cash back at Gas Stations on up to $1,500 in purchases from July through September 2014 when you 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 Credit

Excellent Credit
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!

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
CARD'S SPECIAL:
Earn $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: 5%*
Drugstores: 1%
Entertainments: 5%*
Clothing Stores: 1%
Department Stores / Supermarkets: 1%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 1%
Travel / Hotels / Airlines: 5%*
All other Purchases: 1%

* Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 - 9/30/14.

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
Excellent / Good Credit

Excellent/Good Credit
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 every month.

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!

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
CARD'S SPECIAL:
Earn unlimited 1.5% cash back on every purchase, every day

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: 1.5%
Car Rental: 1.5%
Drugstores: 1.5%
Entertainments: 1.5%
Clothing Stores: 1.5%
Department Stores / Supermarkets: 1.5%
Groceries / Convenience Stores: 1.5%
Restaurants / Dining: 1.5%
Travel / Hotels / Airlines: 1.5%
All other Purchases: 1.5%
Card Features:
Intro APR
on Bal.Tr.
0% (until May 2015)
Intro APR
on Purch.
0% (until May 2015)
Regular APR12.9% - 22.9% (V)
Annual Fee$0
Our Expert Opinion
  • Spend $500 within 3 months and get a $100 bonus.
  • Earn as much cash back as you can, there are no caps.
  • Get your cash back at any time.

  • For people with excellent or good credit.
See card details
Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
CARD'S SPECIAL:
1% back on all gas 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: n/a
Drugstores: n/a
Entertainments: n/a
Clothing Stores: n/a
Department Stores / Supermarkets: n/a
Groceries / Convenience Stores: n/a
Restaurants / Dining: n/a
Travel / Hotels / Airlines: n/a
All other Purchases: n/a
Card Features:
Intro APR
on Bal.Tr.
n/a
Intro APR
on Purch.
n/a
Regular APR17.90% - 23.90% (Variable)
Annual Fee$35-$75
Our Expert Opinion
  • Save 1% on gas purchases.
  • Earn as much rewards as you can monthly.
  • Pay no over-limit fees.

  • Annual fee billed monthly.
See card details
Excellent Credit

Excellent Credit
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!

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
CARD'S SPECIAL:
1% Cash Back on all your other 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: 2%
Car Rental: 1%
Drugstores: 1%
Entertainments: 1%
Clothing Stores: 1%
Department Stores / Supermarkets: 1%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 2%
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.
No rewards redemption fee.
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
  • Double cash back on gas and restaurants.
  • 14-month 0% Intro APR on purchases and balance transfers.
  • No foreign transaction fee.

  • 3% balance transfer fee.
See card details
Average / Fair / Limited Credit

Average / Fair / 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.

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
CARD'S SPECIAL:
Earn unlimited 1.5% cash back on every purchase, every day

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: 1.5%
Car Rental: 1.5%
Drugstores: 1.5%
Entertainments: 1.5%
Clothing Stores: 1.5%
Department Stores / Supermarkets: 1.5%
Groceries / Convenience Stores: 1.5%
Restaurants / Dining: 1.5%
Travel / Hotels / Airlines: 1.5%
All other Purchases: 1.5%
Card Features:
Intro APR
on Bal.Tr.
n/a
Intro APR
on Purch.
0% (until May 2015)
Regular APR22.9% (V)
Annual Fee$39
Our Expert Opinion
  • Unlimited cash back for people with average credit.
  • Easy to redeem cash back at any time.
  • MasterCard benefits are included.

  • Annual fee.
See card details
Excellent Credit

Excellent Credit
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!

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
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: 5%*
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.
No rewards redemption fee.

* 5% cash back at Gas Stations on up to $1,500 in purchases from July through September 2014 when you sign up.

Card Features:
Intro APR
on Bal.Tr.
0% (18 months)
Intro APR
on Purch.
0% (6 months)
Regular APR10.99% - 22.99% Variable±
Annual Fee$0
Our Expert Opinion
  • Longest 0% intro period on balance transfer from Discover.
  • Peace in mind if you have some problems with payments.
  • Offers cash back bonus program.

  • Requires excellent credit history.
See card details
Average / Fair / Limited Credit

Average / Fair / 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.

Compare (3)
You've selected 3 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
CARD'S SPECIAL:
Earn 1% cash back on every purchase, every month - and pay no annual fee

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
  • 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). 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.

Our Experts about Cash Back Credit Cards

latest news:

New Credit Card Gives Sam   s Club Members 5% Back on Gas New Credit Card Gives Sam s Club Members 5% Back on Gas

A new co-branded MasterCard available exclusively to Sam’s Club members will give 5% cash back on gas, 3% cash back on dining and travel, and 1% cash back on everything else.Continue reading

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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.

User level: Above average

Cash Back Rewards Video

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

Questions & Answers about
Cash Back Cards

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Credit-Land Expert on Credit Cards

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