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May 2022: Best 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.

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Apply for Discover it® Cash Back - Credit-Land.com APPLY

on Discover's secure website

Excellent/Good/Average Credit

Cash Back Offer of May 2022

MAXIMIZE YOUR REWARDS

Rating 5.0

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Redeem cash back in any amount, any time. Rewards never expire.

Redemption Options

Redeem cash back any amount, any time.µ

Rewards never expireµ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (15 months)

Intro APR on Balance Transfers:
0% Intro APR (15 months)

Ongoing APR:
12.24% - 23.24% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Credit Cards with Cash Back Programs

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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Apply for Wells Fargo Active Cash<sup>®</sup> Card - Credit-Land.com

Rating 5.0

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
0% intro APR for 15 months from account opening
Intro APR on Balance Transfer
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
15.74%, 20.74%, or 25.74% Variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Annual Fee
$0
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • Rates & Fees

our choice

$200 Cash Rewards

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Rewards

Earn unlimited 2% cash rewards on purchases

Redemption Options

Redeem rewards for purchases, credits to your account, gift cards and more.

Cash rewards don't expire as long as your account remains open

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for 15 months from account opening

Intro APR on Balance Transfers:
0% intro APR for 15 months from account opening on qualifying balance transfers

Ongoing APR:
15.74%, 20.74%, or 25.74% Variable APR

Balance Transfer Fee:
3% for 120 days from account opening, then up to 5%; min: $5

Apply for Citi Custom Cash<sup>&#x2120;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

our choice

$200 Cash Back

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Redemption Options

Redeem points for cash back as a direct deposit, a statement credit or check. Or explore other ways to redeem points at thankyou.com.µ

Your rewards will never expire as long as your account remains open.µ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months)

Intro APR on Balance Transfers:
0% (15 months)

Ongoing APR:
14.74% - 24.74% (Variable)

Balance Transfer Fee:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Apply for Hotels.com<sup>®</sup> Rewards Visa<sup>®</sup> Credit Card - Credit-Land.com

Rating 4.3

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.74% - 23.74% Variable APR
Balance Transfer Fee
up to 5%; min: $5
Annual Fee
$0
  • Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.
  • Rates & Fees

our choice

Rewards Bonus

Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.

Rewards

Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.

Annual Fee: $0

Foreign Transaction Fee: None

Apply for Citi<sup>®</sup> Double Cash Card – 18 month BT offer - Credit-Land.com

Rating 4.7

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months)
Regular APR
14.74% - 24.74% (Variable)
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee
$0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Redemption Options

Redeem cash back for a check, statement credit, direct deposit; or convert to pointsµ

Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 monthsµ

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (18 months)

Ongoing APR on Balance Transfers:
14.74% - 24.74% (Variable)

Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Annual Fee: $0

Apply for Discover it® chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good/Average Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
12.24% - 23.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 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.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn cash back on your next road trip with 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.

Redemption Options

Redeem your cash back for any amount, any time.µ

Cash rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (15 months)

Intro APR on Balance Transfers:
0% Intro APR (15 months)

Ongoing APR:
12.24% - 23.24% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good/Average Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
12.24% - 23.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Redeem cash back in any amount, any time. Rewards never expire.

Redemption Options

Redeem cash back any amount, any time.µ

Rewards never expireµ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (15 months)

Intro APR on Balance Transfers:
0% Intro APR (15 months)

Ongoing APR:
12.24% - 23.24% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Apply for Capital One QuicksilverOne Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$39
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

our choice

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Redemption Options

Redeem your cash back for any amount, anytime.

Cash back doesn't expire for the life of the accountµ

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Apply for M1 Owner’s Rewards Visa® Signature Card - Credit-Land.com

Rating 3.9

APPLY

Excellent/Good Credit
This offer is not available in U.S. Territories.

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.24% - 25.24% APR
Balance Transfer Fee
N/A
Annual Fee
$95 (waived for active M1 Plus customers)
  • Earn up to 10% cash back* with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
  • Shop with select brands you hold in an eligible portfolio to earn 2.5%, 5%, or 10% cash back. Get 1.5% cash back on everything else.
  • Use M1 automation to easily reinvest your rewards for long-term impact.
  • Integrate even more of your financial life in one place, while helping you grow and maximize your wealth with everyday transactions.
  • Visa Signature® benefits including Zero Liability, exclusive experiences, and more.
  • The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
  • $95 credit card annual fee waived for active M1 plus members.
  • Your first year of M1 Plus is free—a $125 value! Get exclusive features and discounts to help you build your wealth.

our choice

Rewards

Earn up to 10% cash back* with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.

Shop with select brands you hold in an eligible portfolio to earn 2.5%, 5%, or 10% cash back. Get 1.5% cash back on everything else.

Foreign Transaction Fee: None

Use this card everywhere Visa cards are accepted

Apply for Capital One SavorOne Student Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.24% - 25.24% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

our choice

$100 Cash Back

Limited Time Offer: Earn $100 when you spend $100 in the first three months

Rewards

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Redemption Options

Redeem your cash back for any amount, anytime.µ

Cash back won't expire for the life of the accountµ

Annual Fee: $0

Apply for Discover it® Student Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
13.24% - 22.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • No credit score required to apply.*
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24% applies.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

No annual fee and build your credit with responsible use.

Redemption Options

Redeem cash back any amount, any time.µ

Rewards never expireµ

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
13.24% - 22.24% Variable APR

Apply for Power Cash Rewards Visa Signature® Card - Credit-Land.com

Rating 4.7

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% promotional balance transfer rate for 12 Months
Regular APR
15.99% to 17.99% Variable
Balance Transfer Fee
3% fee applies to each transfer
Annual Fee
$0
  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 2% Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ
  • 1.5% Cash Back** on all purchases made with your card
  • $100 Bonus Offer Statement Creditƚ When you spend $1,500 in the first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR*: 15.99% to 17.99%
  • Refer to PenFed.org for Terms/Conditions

our choice

$100 Cash Back

$100 Bonus Offer Statement Creditƚ When you spend $1,500 in the first 90 days

Rewards

Earn Cash Back for Everyday Purchases

2% Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ

1.5% Cash Back** on all purchases made with your card

Redemption Options

Redeem your rewards for statement credit, deposit them into PenFed account or transfer to another financial institution

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% promotional balance transfer rate for 12 Months

Ongoing APR on Balance Transfers:
17.99%

Balance Transfer Fee:
3% fee applies to each transfer

Apply for Costco Anywhere Visa<sup>®</sup> Card by Citi - Credit-Land.com

Rating 4.8

APPLY

on Citi's secure website

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.99%. Citi Flex Plan offers are made available at Citi’s discretion.

our choice

Rewards

4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter

3% cash back on restaurants and eligible travel purchases

2% cash back on all other purchases from Costco and Costco.com

1% cash back on all other purchases

Redemption Options

Costco Cash Rewards can be redeemed for merchandise or cash back at any U.S. Costco warehouse, including Puerto Ricoµ

Costco Cash Rewards certificate is valid until the expiration date of December 31 in the year in which it is issuedµ

Annual Fee: $0

Foreign Transaction Fee: 0%

Apply for Capital One Quicksilver Student Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
15.24% - 25.24% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

our choice

$100 Cash Back

Limited Time Offer: Earn $100 when you spend $100 in the first three months

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Redemption Options

Redeem your cash back for any amount, anytime.µ

Cash back won't expire for the life of the accountµ

Annual Fee: $0

Apply for Journey Student Rewards from Capital One - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Pick the monthly due date that works best for you

our choice

Rewards

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month

Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Redemption Options

Redeem your cash back for any amount, anytime.µ

Cash back won't expire for the life of the accountµ

Annual Fee: $0

Foreign Transaction Fee: None

Apply for Aspiration Zero Credit Card - Credit-Land.com

Rating 4.1

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
11.65% to 21.45%
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$60
  • $300 cash back after the $3,000 min spend in the first 3 months of account opening1
  • 0.5% cash back on all purchases
  • 1% cash back on all purchases every month carbon zero is reached
  • Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees
  • A climate-change fighting tree planted with every swipe.
  • See terms & conditions

our choice

$300 Cash Back

$300 cash back after the $3,000 min spend in the first 3 months of account opening1

Rewards

0.5% cash back on all purchases

1% cash back on all purchases every month carbon zero is reached

Redemption Options

Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees

Rewards never expire

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for SoFi Credit Card - Credit-Land.com

Rating 4.1

APPLY

Good/Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
13.24% to 25.49%* Variable
Balance Transfer Fee
The greater of $10 or 5% of each balance transfer
Annual Fee
$0
  • Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi.
  • Earn up to $100 - $50 each when you open and fund a SoFi Checking and Savings and a SoFi Invest account after getting approved for the SoFi Credit Card.
  • No annual fee, no foreign transaction fee, Mastercard World Elite benefits
  • See offer and benefit terms

our choice

Rewards

Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi.

Annual Fee: $0

Foreign Transaction Fee: None

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Upgrade Triple Cash Rewards Visa® - Credit-Land.com

Rating 4.4

APPLY

Excellent, Good, Fair, Average Credit
This offer is not available in Iowa, Washington, West Virginia, Wisconsin, District Of Columbia.

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
8.99% - 29.99%
Balance Transfer Fee
N/A
Annual Fee
$0
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

our choice

$200 Cash Back

Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**

Rewards

Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else

Annual Fee: $0

Foreign Transaction Fee: $0

Apply for Discover it® Student chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
13.24% - 22.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • No credit score required to apply.*
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • 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.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24% applies.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

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.

No annual fee and build your credit with responsible use.

Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

Redemption Options

Redeem your rewards for cash in any amountµ

Your cash back never expiresµ

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
13.24% - 22.24% Variable APR

SHOW MORE CARDS

Citi Custom Cash Card

Excellent, Good Credit
Apply for Citi Custom Cash<sup>&#x2120;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

0% INTRO APR AND $0 ANNUAL FEE OFFER OF May 2022

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
See more details

questionsABOUT
REWARDS CREDIT CARDS

I wanted to save on holiday decorations from At Home. Is their branded credit card the only option?

At Home credit card offers up to 5 points on in-store purchases in certificates redeemable only towards At Home purchases. If you really want to save in the long term, look at the low interest credit cards. For example,...

Read more
Does Disney card offers the same cash back rewards as other credit cards?

With Disney Premier Visa Card, you will earn cash back rewards in Disney Rewards Dollars. This Dollars can be redeemed only towards Disney purchases (such as Disney Cruise Line, Disney Parks & Resorts, Disney Movies,...

Read more
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...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

how to choose CASH BACK
CREDIT CARDS

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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01. 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. Imagine building your credit and earning rewards at the same time!

02. 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 and varies from card to card and from issuer to issuer. Traditional sign-up bonus credit cards usually require you to spend a certain amount of money within a certain period of time to get the bonus. Sign-up bonus cards are a good way to finance big purchases or just earn a nice amount of cash.

03. 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.

commentsABOUT CREDIT CARDS
WITH CASH BACK🜂

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