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December 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.
Cash Back Offer of December 2022
MAXIMIZE YOUR REWARDS
- 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
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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our choice
- 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 18.74%, 23.74%, or 28.74% 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 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
- Rates & Fees
our choice
our choice
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 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 17.74% - 27.74%, 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
our choice
- Earn unlimited 2%** cash back on purchases when you use the card.
- No rewards caps. No categories to manage.
- No Annual Fee and No Foreign Transaction Fees.
- Exclusive American Express merchant offers, travel and dining benefits, and premium protection benefits.
- Learn more for details.
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our choice
- 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 17.74% - 27.74%, 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).
our choice
our choice
- 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.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
our choice
our choice
- 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
our choice
our choice
- Earn Cash Back for Everyday Purchases
- No Caps. No Limits. No Gimmicks.
- 2% Cash Back on all purchases for PenFed Honors Advantage Members
- 1.5% Cash Back on all purchases made with your card
- $100 Bonus Offer Statement Credit 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. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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: 17.99%
- Refer to PenFed.org for Terms/Conditions
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our choice
- 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®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- 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
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back won't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fee
- No annual fee
- You're covered by $0 Fraud Liability if your card is ever lost or stolen
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our choice
- 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
our choice
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- 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
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back won't expire for the life of the account and there's no limit to how much you can earn
- $0 Fraud Liability if your card is ever lost or stolen
our choice
Discover it® chrome
0% INTRO APR AND $0 ANNUAL FEE OFFER OF December 2022
- 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.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
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questionsABOUT
REWARDS CREDIT CARDS
What is the best credit card wtih great cash back bonus for everyday purchases which I can use anywhere?
If you want to have credit card with great rewards, you may choose the Discover it® Cash Back credit card. This card allows you to Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. All other purchases will earn...
Read moreWhat 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 moreHow does cash back rewards work?
Cash back rewards are the easiest to use and the most straightforward. You simply get a specific percentage back from purchases charged to a cash back credit card. Cash back rewards can be redeemed for statement...
Read more
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.
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.
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