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Cash Back Credit Cards

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

Best Credit Cards with Cash Back For You

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 / 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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Approved Credit Score †
649
lowest
713
average
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 March 2016)
Intro APR
on Purch.
0% (until March 2016)
Regular APR12.9% - 22.9% (Variable)
Annual Fee$0
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months.
  • 0% intro APR on purchases until March 2016; 12.9% - 22.9% variable APR after that.
  • Pay no annual fee or foreign transaction fees.

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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Approved Credit Score †
535
lowest
615
average
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 March 2016)
Intro APR
on Purch.
0% (until March 2016)
Regular APR22.9% (Variable)
Annual Fee$39
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • 0% intro APR on purchases until March 2016; 22.9% variable APR after that.
  • Fraud coverage if your card is ever lost or stolen.

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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Approved Credit Score †
652
lowest
727
average
CARD'S SPECIAL:
1% Cash Back when you buy. Plus 1% Cash Back as you pay.

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 2%*
Car Rental: up to 2%*
Drugstores: up to 2%*
Entertainments: up to 2%*
Clothing Stores: up to 2%*
Department Stores / Supermarkets: up to 2%*
Groceries / Convenience Stores: up to 2%*
Restaurants / Dining: up to 2%*
Travel / Hotels / Airlines: up to 2%*
All other Purchases: up to 2%*

* 1% cash back when you buy. Plus 1% cash back as you pay for those purchases, whether you pay in full or over time.

Card Features:
Intro APR
on Bal.Tr.
0% (15 months)26
Intro APR
on Purch.
0% (15 months)26
Regular APR12.99% - 22.99%26 (Variable)
Annual Fee$026
Our Expert Opinion
  • 0% Intro APR for 15 months.
  • Earn cash back as you pay for your purchases.
  • No annual fee.

  • Balance transfer fee applies.
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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
CARD'S SPECIAL:
5% cash back in categories that change each quarter like gas, restaurants and more - up to the quarterly maximum when you sign up. 1% cash back on all 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: up to 5%*
Car Rental: up to 5%*
Drugstores: up to 5%*
Entertainments: up to 5%*
Clothing Stores: up to 5%*
Department Stores / Supermarkets: up to 5%*
Groceries / Convenience Stores: up to 5%*
Restaurants / Dining: up to 5%*
Travel / Hotels / Airlines: up to 5%*
All other Purchases: up to 5%*

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 in categories that change each quarter like gas, restaurants and more - up to the quarterly maximum when you sign up. 1% cash back on all other purchases.

Card Features:
Intro APR
on Bal.Tr.
0% (12 months)
Intro APR
on Purch.
0% (12 months)
Regular APR10.99% - 22.99% Variable±
Annual Fee$0
Our Expert Opinion
  • 0% intro APR on purchases & balance transfers.
  • No overlimit fee.
  • Free FICO® Credit Score.
  • No foreign transaction fee.

  • Balance transfer fee 3%.
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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
CARD'S SPECIAL:
Unlimited 1% cash back gas rewards

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-$99*
Our Expert Opinion
  • Unlimited 1% cash back gas rewards.
  • Get Pre-Qualified without affecting credit score.
  • Automatic reviews for credit line increase.

  • Annual fee is $35-$99.
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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
CARD'S SPECIAL:
5% cash back in categories that change each quarter like gas, restaurants and more - up to the quarterly maximum when you sign up. 1% cash back on all 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: up to 5%*
Car Rental: up to 5%*
Drugstores: up to 5%*
Entertainments: up to 5%*
Clothing Stores: up to 5%*
Department Stores / Supermarkets: up to 5%*
Groceries / Convenience Stores: up to 5%*
Restaurants / Dining: up to 5%*
Travel / Hotels / Airlines: up to 5%*
All other Purchases: up to 5%*

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 in categories that change each quarter like gas, restaurants and more - up to the quarterly maximum when you sign up. 1% cash back on all other purchases.

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
  • 0% intro APR on balance transfers for 18 months.
  • Freeze or unfreeze your account.
  • Earn cash back on all purchases.
  • No annual 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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Approved Credit Score †
497
lowest
629
average
CARD'S SPECIAL:
Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back

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% (Variable)
Annual Fee$0
Our Expert Opinion
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Pay no annual fee or foreign transaction fees.
  • Fraud coverage if your card is lost or stolen.

See card details
Fair Credit

Fair Credit
This credit offer is for people with Fair credit history.

Compare (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Approved Credit Score †
583
lowest
648
average
CARD'S SPECIAL:
Use the Points you earn like Cash to pay for almost any purchases you’ve made

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: 2%
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.
Card Features:
Intro APR
on Bal.Tr.
n/a
Intro APR
on Purch.
n/a
Regular APR24.99%* (Variable)
Annual Fee$0
Our Expert Opinion
  • Earn points on purchses.
  • No annual fee.
  • Use points like cash to pay for purchases.

  • No intro APRs.
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 (21)
You've selected 21 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
CARD'S SPECIAL:
Earn 5% Cash Back on up to $3,000 in gasoline purchases per 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: 5%
Car Rental: 1%
Drugstores: 1%
Entertainments: 1%
Clothing Stores: 1%
Department Stores / Supermarkets: 2%
Groceries / Convenience Stores: 1%
Restaurants / Dining: 1%
Travel / Hotels / Airlines: 1%
All other Purchases: 1%
Card Features:
Intro APR
on Bal.Tr.
n/a
Intro APR
on Purch.
n/a
Regular APR11.90% to 25.90% (V)
Annual Fee$0
Our Expert Opinion
  • Credit card with chip technology.
  • Card with cashback rewards.
  • No annual fee.

  • APR can be as high as 25.90%.
See card details

* See Card Terms & Conditions for Details.
± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.
This information is provided in a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, metrics are only guidelines and approval is not guaranteed.

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

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

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