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April 2021: Best Prepaid and 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 Credit

Cash Back Offer of April 2021

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.

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.

Redemption Options

Redeem cash back any amount, any time.

Rewards never expire

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% Variable APR

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

Prepaid and 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 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 on Balance Transfers)
Regular APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% 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 points

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

0% Intro APR on Balance Transfers

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

Ongoing APR on Balance Transfers:
13.99% – 23.99% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

Apply for Journey Student Rewards from Capital One - 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
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
  • Pick the monthly due date that works best for you
  • 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
  • Monitor your credit profile with the CreditWise® app, free for everyone

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

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0

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

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% 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.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

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.

Cash rewards never expire.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% 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
Annual Fee
$39
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

our choice

Rewards

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

Earn cash rewards without signing up for rotating categories

Redemption Options

Redeem your cash back for any amount, anytime.

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

Foreign Transaction Fee: None

Balance Transfer Fee: $0

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

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months on Purchases)
Intro APR on Balance Transfer
0% (14 months on Balance Transfers)
Regular APR
11.99% - 22.99% 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.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

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.

Redemption Options

Redeem cash back any amount, any time.

Rewards never expire

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months on Purchases)

Intro APR on Balance Transfers:
0% (14 months on Balance Transfers)

Ongoing APR:
11.99% - 22.99% Variable APR

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

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

Rating 4.7

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfer
10.99% (6 months on Balance Transfers)
Regular APR
12.99% - 21.99% 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! 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.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • 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.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.

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.

Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

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 amount

Your cash back never expires

0% Intro APR on Purchases

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

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Apply for Verizon Visa® Card - Credit-Land.com

Rating 4.7

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of December 1, 2020
Balance Transfer Fee
$5 or 5%
Annual Fee
$0178
  • New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
  • Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.
  • You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.
  • No annual or foreign transaction fees.
  • To learn more see www.verizon.com/verizonvisacard for details.

our choice

Get up to $100 credit

New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.

Rewards

Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.

You can earn rewards in the form of Verizon Dollars:

4% on grocery store & gas purchases.

3% on dining purchases, including takeout.

2% on Verizon purchases (including monthly wireless bill).

1% on all other purchases everywhere Visa Credit Cards are accepted.

Annual Fee: $0178

Foreign Transaction Fee: None178

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
15.24% (Variable)
Balance Transfer Fee
3% 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 15.24%. 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 Rico

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

Annual Fee: $0

Foreign Transaction Fee: 0%

Discover it® Student Cash Back

Fair/New to Credit
Apply for Discover it® Student Cash Back - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

GREAT CASH BACK OFFER FOR LIMITED CREDIT IN April 2021

  • 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.
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.

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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