Cash Back Credit Cards of January 2019
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TOP CASH BACK CREDIT CARDS FROM OUR PARTNERS
A cash back card is something that a lot of people want for themselves. It's fairly simple in use and extremely effective in terms of rewards gaining. Cash back credit cards can be available to people with even a modest credit score. So, if you have less than perfect credit, you might still get a card that will bring you some cash back. You don't have to be wary, because cash back cards are foolproof and all over quite user-friendly.
CREDIT CARDS WITH CASH BACK
When you are looking for a cash back credit card, you should pay attention to its characteristics to choose a really good one. Essentially, pay attention to the rewards rate, redemption options and the sign-up bonus. The best cards offer you the best conditions in all of those characteristics. A sign-up bonus on its own can justify getting a certain credit card. Here you can compare the best cash back cards and choose the one that works for you.
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REWARDS:
Bonus:
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
Earning Rewards:
- Earn unlimited 1.5% cash rewards on all purchases.
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
APRs & FEES:
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REWARDS:
Bonus:
$150 Cash Back after you spend $500 on purchases within 3 months from account opening
You can redeem cash back for any amount
Earning Rewards:
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
APRs & FEES:
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REWARDS:
Redeem for a check, statement credit, gift card or cash.
Earning Rewards:
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
APRs & FEES:
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REWARDS:
Bonus:
$150 Cash Back after you spend $500 on purchases within 3 months from account opening
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:
- 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
APRs & FEES:
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REWARDS:
Bonus:
$500 Cash Back after you spend $3000 on purchases within 3 months from account opening
You can redeem cash back for any amount
Earning Rewards:
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
APRs & FEES:
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REWARDS:
Bonus:
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.
Redeem cash back any amount, any time. Rewards never expire.
Earning Rewards:
- 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.
APRs & FEES:
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REWARDS:
USAA membership is available to active and former military and their eligible family members
Earning Rewards:
- Earn 1.5% cash back on every purchase with no limits or category restrictions.
APRs & FEES:
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REWARDS:
Earning Rewards:
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
APRs & FEES:
Compare
REWARDS:
Bonus:
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.
Redeem your cash back for any amount, any time. Cash rewards never expire.
Earning Rewards:
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
APRs & FEES:
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REWARDS:
Earning Rewards:
- Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
- Earn 2% on your first $3,000 on supermarket purchases per year
- Unlimited 1% cash back on all other purchases
APRs & FEES:
Compare
REWARDS:
Earning Rewards:
- Enjoy peace of mind with $0 Fraud Liability
- Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
- View updates to your Experian credit score with free online access, terms apply
APRs & FEES:
Compare
REWARDS:
Bonus:
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.
Earning Rewards:
- 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.
APRs & FEES:
Related User Questions:
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...
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Yes, there are. There are many credit cards available that will allow you to collect cash back on the purchases you make including fuel. It would be easy enough to recommend a card that will allow you to collect between 1-2% cash back on purchases,...
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A rewards credit card is definitely worth having – it's not just hype. Whether you want cash back, travel rewards. One of the best things about applying for a credit card is getting one that comes with a signup bonus. This can be worth a hundred...
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YOU MAY BE INTERESTED IN THESE FAQs about choosing a Cash Back Credit Card:
One may think that grabbing a credit card with the biggest cash back is all what you need when you are after rewards. However, that's not that easy. You should think strategically and never miss the details, not mentioning the fine print. It is important to be sure you will be able to use earned rewards and they won't vanish or stay unused.
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Who are cash back credit cards available to?
People with different types of credit history can get cash back credit cards. However, depending on your credit score, you can get different rewards rates. Naturally, the better credit score you have, the better cash back rewards you will get. The most rewarding cards are available to people with good or excellent credit. However, even if you have less than perfect credit, you have a chance to earn rewards. There are even secured cards with cash back rewards, such as the Discover it® Secured card. Imagine building your credit and earning rewards at the same time!
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Can you get a sign-up bonus with a cash back credit card?
Yes, cash back cards usually give you a sign-up bonus. The amount of this sign-up bonus can be different. It's usually somewhere around $150, may be smaller or bigger, Discover is known to offer another form of a welcome bonus when all the rewards you earn are matched at the end of the year. With traditional sign-up bonus credit cards, you usually have to spend a certain amount within a certain period of time to get a bonus. Sign-up bonus cards are a good way to finance big purchases or just earn a nice amount of cash.
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How can I redeem cash back?
There are several ways to redeem cash back rewards, and you need to read a card's terms and conditions to learn how to redeem what you get. The most popular redemption options are the following:
Bank Deposit: the cash back you've earned is put onto your checking or savings account. Some banks need you to accumulate a minimum amount, some don't. Check terms and conditions of the credit card's issuer to see how your card works.
Statement Credit: this way you can apply your cash back to your credit card balance.
Gift cards: some issuers allow you to buy gift cards from popular retailers to redeem your cash back.
Charitable donations: some credit card companies allow you to donate some or all of your cash back to the charity of your choice.
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