Compare Cash Back Credit Cards

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5 Reasons Why some Cash Back Cards are Better Than the Others

If you are thinking about getting a new cash back credit card like Ollo Rewards Credit Card, but have some doubts about it, you are in the right place. We will show you why some cards are not the cards you would want to have in your pocket and which card, or credit cards, is better to have instead. You will see how a cash back credit card can help you save more on all purchases.

Here we're comparing basic features of two credit cards. As an example, we took Ollo Rewards credit card and a time-proven credit card with rewards and compared them. This simple side-by-side comparison can help you understand which card is worth applying.

Max. Rewards
Rewards on All Purchases
Rewards Bonus
Intro APR on Purchases
Ongoing APR
Annual Fee
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
1% unlimited cash back on all other purchases - automatically
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.
0% (14 months)
14.24% - 25.24% Variable
2% cash back on all gas station, grocery store and drugstore purchases.119
Earn 1% cash back on all other purchases.119
No bonus offer119
No Intro APR119
24.99%119
$0-$39119
  • 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.
  • 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.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
For Excellent, Good Credit
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
0% intro on purchases for 12 months 14.24% - 24.24% (Variable) $0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
0% Intro APR for 12 months Variable APR of 15.24%, 19.24% or 25.24% None
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
See Rates & Fees
Excellent, Good Credit
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
0% 15 months on Purchases 15.74% - 25.74% (Variable) $0
  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
Average, Fair, Limited Credit
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
N/A 26.96% (Variable) $0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
Excellent, Good Credit
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
0% (14 months) 14.24% - 25.24% Variable $0
  • INTRO OFFER: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel - $350 for the Miles you’ve earned plus $350 more with your Discover Match®.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
*See Terms
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
0% intro on purchases for 15 months 16.24% - 26.24% (Variable) $0
  • One-time $150 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
  • 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
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
0% intro on purchases for 15 months 16.24% - 26.24% (Variable) $0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores 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
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
N/A 15.74% - 25.74%* (Variable) $0*
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
APPLY NOW
Compare
Intro APR on Purchases Regular APR Annual Fee
N/A 26.96% (Variable) $39
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
Intro APR on Purchases Regular APR Annual Fee
N/A 26.96% (Variable) $0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Limited credit history should never stop you from applying for a credit card. In fact, your limited credit is better than bad credit in the eyes of the creditors because you've just recently started and haven't had a chance to spoil your credit history. Therefore, there are a lot of credit cards offered and you will have something to choose from.

People with limited credit can find unsecured credit card offers. Credit cards may even have rewards or no annual fees. Interest rates vary, but if you pay off the card balance in full each month, you won't pay a penny of interest. Some store credit cards may also be available to those with limited credit, but their main disadvantage is credit limit, which is extremely low. So, if you do not want your credit card to be maxed out, consider regular credit cards with bigger limits.

User Questions about Cash Back Credit Cards

You're right, you can apply for Ollo products by invitation only. You may consider cash back credit cards from major banks. For example, the Discover it® Cash Back credit card comes with no annual fee and cash back. It offers...

Unfortunately, Ollo Rewards credit card doesn't offer any sign-up bonus. You will earn cash back rewards on all your purchases - 2% cash back on all gas station, grocery store and drugstore purchases, 1% cash back on all other purchases....

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...

Updated: June 15, 2019
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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