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Compare Cash Back Credit Cards to Choose the Best One!

When you cannot decide between choosing cash back credit cards from different issuers, the best way out would be comparing them. Below you can compare some popular cash back credit cards using our convenient comparison tool. By default, we compare the Chase Freedom and Discover it® Cash Back credit cards, but you can change the pair of cards if you wish.
for Excellent, Good Credit
Compare Cards: Discover it® Cash Back and others
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for Excellent / Good Credit
Compare Cards: Chase Freedom® credit card and others
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Compare Cards: Discover it® Cash Back and others
Rewards
Compare Cards: Chase Freedom® credit card and others
cash back
Rewards Type
Cash Back
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Rewards Bonus
$150 bonus after you spend $500 on purchases in your first 3 months from account opening.2
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

Earning Rewards
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 2

Earn 1% cash back on all other purchases.2

Rewards never expire
Rewards Expiration
Cash Back rewards do not expire as long as your account is open2
Redeem cash back any amount, any time. Rewards never expire.
Redemption Options
Redeem cash back rewards for travel, gift cards, cash back and more2
The whole idea of getting a cash back credit card is to earn as much cash back as possible. You should make sure all your purchases will earn maximum cash back. For example, both Discover it® Cash Back and Chase Freedom cards offer 5% cash back on rotating categories each quarter (on up to the quarterly maximum each time you activate) and 1% cash back on all other purchases. However, sign-up bonus offers are different. Chase Freedom offers $150 when you spend $500 in the first 3 months and Discover will match all the cash back you've earned your first year (if you are a new cardmember).
Compare Cards: Discover it® Cash Back and others
Purchases
Compare Cards: Chase Freedom® credit card and others
0% (14 months)
Introductory APR
0% (15 months)2
13.99% - 24.99% Variable
Ongoing APR
16.99%-25.74%2
Chances are you will put a big purchase on to your new cash back credit card, and since your purchase can be quite costly, you may need a little help paying off the card balance. A 0% intro APR period will be extremely welcome in this situation. With 0% intro APR you may spread payments over zero introductory period without overpaying.
Compare Cards: Discover it® Cash Back and others
Balance Transfer
Compare Cards: Chase Freedom® credit card and others
0% (14 months)
Introductory APR
0% (15 months)2
See terms
Ongoing APR
16.99%-25.74%2
3%
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater2
While balance transfers do not usually earn rewards, it could be a great opportunity to pay off some debt by transferring it to your new cash back credit card. If you do not carry balances, you do not overpay and interest won't eat up your rewards.
Compare Cards: Discover it® Cash Back and others
Fees
Compare Cards: Chase Freedom® credit card and others
$0
Annual Fee
None2
See terms
Late Payment Fee
Up to $382
It may be great when a credit card is full of benefits, but you should know how much it will cost you. For example, Discover it® Cash Back and Chase Freedom cards come with no annual fees. Therefore, Discover has no foreign transaction fee, while Chase charges 3%. Do not forget to check out all possible fees and charges to make sure you know what you are paying for.
Compare Cards: Discover it® Cash Back and others
Cash Advance
Compare Cards: Chase Freedom® credit card and others
26.99% Variable
Ongoing APR on Cash Advance
26.99%2
See terms
Cash Advance Fee
Either $10 or 5% of the amount of each transaction, whichever is greater2
Whether you need cash while abroad or simply in a situation when credit cards are not accepted, you should always know how much cash advance will cost you. It is not only about the fee, but also about an interest rate. In addition to the fees, you will want to know the amount you are allowed to withdraw to avoid sticky situations.
Compare Cards: Discover it® Cash Back and others
Credit Card Features
Compare Cards: Chase Freedom® credit card and others
Yes
CREDIT BUREAUS REPORTING
Yes
No
Guaranteed Approval
No
No
Instant Response
No
With bad credit it's rather hard to get approved for a credit card with rewards. However, it does not mean you won't be able to get a credit card at all. Simply look for right features to increase your chances for approval.
Compare Cards: Discover it® Cash Back and others
Requirements
Compare Cards: Chase Freedom® credit card and others
No
Checking Account
No
No
Savings Account
No
No
Credit Card
No
No
Debit Card
No
There always is a set of minimum requirements an applicant should meet in order to qualify for a credit card. Knowing about them will save you time and energy. Plus, you won't lower you credit score by submitting multiple applications which are then denied.
Compare Cards: Chase Freedom® credit card and others
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HOW TO CHOOSE THE BEST CREDIT CARDS IN 5 EASY STEPS

When you're looking for the best credit card, you may find that not all so-called best offers are good for you. The reason is simple - we all have different needs and requirements. Therefore, one best credit card is not necessarily best for each and every person. Below we offer you five things that are important to consider when choosing a best credit card.
  1. 1. Rewards Program

    Probably the first thing we look at is a rewards program. Rewards can be given in a form of miles, points or cash back. If you are after specific rewards, you can search by rewards type. However, we would recommend you looking at your expenses first. Since many cards offer higher rewards in specific shopping categories, it's worth understanding where you spend more to make sure you will earn maximum rewards.
  2. 2. The Interest Rate

    Even though you most likely will be paying off the card balances in full on your credit card, it is worth comparing interest rates. Some credit cards have a 0% intro APR for about a year. With this benefit, you will have some time to pay off an expensive purchase without paying a penny in interest. The zero introductory period won't last forever, so check out a go-to interest rate and when it applies as well.
  3. 3. Fees and Penalties

    An annual fee of a credit card may be high and if you choose a credit card with a high annual fee, you should make sure it's justified. You won't want to pay for something you do not use, so make sure the card's benefits are worth the annual fee. If you do not use credit card benefits, then look for the no annual fee credit cards.
  4. 4. Balance Transfer Opportunity

    If a credit card has a 0% intro APR on balance transfers, see if it allows to earn rewards for transferring a balance. It is a rare benefit these days, but still offered by some issuers. The number of rewards you may earn on balance transfers is limited, so make sure you are aware of all the caps and terms. Also, there can be a balance transfer fee which is usually around 2%-5% of the amount transferred.
  5. 5. Card for Your Lifestyle

    Rewards credit cards are designed for different needs. For example, if you are a frequent traveler who fly more than two times a year, airline co-branded credit card may be your choice. If you board a plane just once a year or even less and want to earn miles on every purchase, choose from general travel rewards credit cards.

LOOKING FOR CASH BACK CREDIT CARDS? SEE MORE CREDIT CARD OFFERS

Best for Cash Back

Best for Grocery Purchases

Best for Balance Transfer

Intro APR (on Purch.)
0% (14 months)
N/A
N/A
Regular APR (on Purch.)
13.99% - 24.99% Variable
16.24% - 25.24% (Variable)
15.49% - 25.49%* (Variable)
Annual Fee
$0
$0 intro for first year; $95 after that
$0*
Rewards Earned
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay

Bonus Offer
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
$500 Cash Back after you spend $3000 on purchases within 3 months from account opening
-
It is easier to find a best credit card when you know what benefits and features your new credit card should have. When you have several options, comparing them can help you make your decision. If you cannot choose between cash back credit cards like Chase Freedom and Discover it® Cash Back credit cards, calculating potential earnings and expenses may help. Whichever card you choose, remember that it should work for you all the time.

USER QUESTIONS ABOUT THESE CREDIT CARDS

I’ve recently accumulated $7,000 balance on my Chase Freedom credit card. Do you think a Chase balance transfer credit...
Unfortunately, you won’t be able to transfer the balance of one Chase credit card to another Chase credit card as balance transfers between two cards of one issuer are not allowed. You will need to apply for a credit card from a different...
Read more
Is it worth joining Chase Ultimate Rewards? I'm looking for credit cards with travel rewards and don't know what to choose.
What is Chase Ultimate Rewards Ultimate Rewards is the Chase’s rewards program that allows the cardholders of Chase Ultimate Rewards credit cards earn and redeem their Chase Ultimate Rewards points. The cards, that participate in the program, are...
Read more
How does Discover it program work? How to receive Cash Back Match bonus?
The Discover it program allows you to earn cash back on every purchase and redeem for anything you want. You don’t have to do anything special to earn the match - Discover will match all the cash back earned your first year automatically...
Read more
I have Discover it cash back card and I hear it gives 5% back on Amazon. How can I get those 5% cash back? My card gives me...
Amazon.com appears in 5% cashback bonus calendar in the 4th quarter this year, which is from October to December 2018. You will need to activate 5% cashback bonus to be able to earn it. When you activate, you will earn 5% cash back at Amazon.com...
Read more
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