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Compare Cash Back Credit Cards to Choose the Best One!

When you cannot decide between choosing credit cards from different issuers, the best way out would be comparing them. Below you can compare some popular credit cards using our convenient comparison tool. By default, we compare the Credit One Bank® Cash Back Rewards and Capital One® Quicksilver® Cash Rewards credit cards, but you can change the pair of cards if you wish.
Compare Cards: Capital One® Quicksilver® Cash Rewards Credit Card and others
Rewards
Compare Cards: Credit One Bank® Cash Back Rewards Credit Card and others
Cash Back
Rewards Type
Cash Back
$150 Cash Back after you spend $500 on purchases within 3 months from account opening
Rewards Bonus
-
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

Earning Rewards
1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy. Terms apply.

With $0 Fraud Liability, you won’t be responsible for unauthorized charges

Managing your account is easy with the Credit One Bank mobile app

Cash back won't expire for the life of the account
Rewards Expiration
Cash back never expire
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
Redemption Options
Cash back is redeemed as statement credits.
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, the Capital One® Quicksilver® Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase, every day. The Credit One Bank® Cash Back Rewards credit card comes with 1% cash back rewards on all purchases, terms apply. What is more, with the Capital One Quicksilver you can earn one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Compare Cards: Capital One® Quicksilver® Cash Rewards Credit Card and others
Purchases
Compare Cards: Credit One Bank® Cash Back Rewards Credit Card and others
0% intro on purchases for 15 months
Introductory APR
N/A
15.24% - 25.24% (Variable)
Ongoing APR
19.99% - 25.99% Variable
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: Capital One® Quicksilver® Cash Rewards Credit Card and others
Balance Transfer
Compare Cards: Credit One Bank® Cash Back Rewards Credit Card and others
0% intro on balance transfers for 15 months
Introductory APR
N/A
15.24% - 25.24% (Variable)
Ongoing APR
N/A
3%
Balance Transfer Fee
N/A
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: Capital One® Quicksilver® Cash Rewards Credit Card and others
Fees
Compare Cards: Credit One Bank® Cash Back Rewards Credit Card and others
$0
Annual Fee
$0 - $99
Up to $38
Late Payment Fee
Up to $38 (terms apply)
None
Foreign Transaction Fee
3%
It may be great when a credit card is full of benefits, but you should know how much it will cost you. For example, the Capital One® Quicksilver® Cash Rewards Credit Card comes with $0 annual fee and the Credit One Bank® Cash Back Rewards credit card with $0 - $99 annual fee. Do not forget to check out all possible fees and charges to make sure you know what you are paying for.
Compare Cards: Capital One® Quicksilver® Cash Rewards Credit Card and others
Cash Advance
Compare Cards: Credit One Bank® Cash Back Rewards Credit Card and others
25.24% (Variable)
Ongoing APR on Cash Advance
25.99% Variable
3% of the amount of the cash advance, but not less than $10
Cash Advance Fee
$5.00/8% or $10.00/3%, whichever is greater (see terms)
0 days
Minimum Grace Period
0 or 24 Days (see terms)
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.

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.)
14.24% - 25.24% Variable
16.74% - 25.74% (Variable)
15.74% - 25.74%* (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 Credit One and Capital One 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 CASH BACK CREDIT CARDS

What is a cash back credit card?
A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that a percentage of the amount spent on purchases is returned to you. This percentage may differ depending on the terms of a credit...
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Hi, I'm planning a big purchase. Can you recommend me a no annual fee credit card with cash back rewards? I have good credit.
For sure, you can find great offers for your future purchases. For example, the credit card comes with no annual fee and cash back. It offers 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com...
Read more
I'm looking for a credit card that offers cash back rewards that I can use to make my gas station purchases. Is there any...
Yes, there is. Due to the overwhelming number of potential credit card options that are available, there are actually several credit cards that we could recommend. There are in fact many credit cards that will allow you to collect cash back on the...
Read more
I'm looking for a Credit One Bank cash back credit card. Can you recommend any?
You can apply for the Credit One Bank® Cash Back Rewards Credit Card with 1% cash back rewards on all purchases. This card comes with $0 - $99 annual fee. What is more, you can monitor your credit with free online access to your Experian credit...
Read more
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