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October 2020: 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.
Cash Back Offer of October 2020
MAXIMIZE YOUR REWARDS
- 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
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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our choice
- 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
our choice
- Unlimited fee-free ATM withdrawals at Allpoint ATMs
- Up to 10% cash back on debit card purchases
- Up to 1.00% APY on savings
our choice
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 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
our choice
- 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
our choice
- No-Fee Cash Withdrawals at ACE.
- Enroll in Direct Deposit, and You Can Get Paid Faster.
- Access Your Account From the Palm of Your Hand.
- Transfer Funds.
- Reward Yourself.
- Give back with the Pink ACE Elite Card.
our choice
our choice
- $0 Annual Fee.
- Up to 10% cash back from select merchants.
- $500 - $5,000 credit limits.
- Variable APRs 19.99-29.49%.
- No annual or international transaction fees. Late and returned payment fees may apply.
- Build credit alongside tens of thousands of Petal Card members.
- Cash flow technology may help applicants without credit history get approved.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- See if you're pre-approved within minutes without impacting your credit score.
- Petal reports to all 3 major credit bureaus.
- No deposits required.
- Card issued by WebBank, Member FDIC
our choice
our choice
- Get your tax refund faster than a paper check.
- No-Fee Cash Withdrawals at ACE.
- Use everywhere Visa® debit cards are accepted.
- Manage your money online and on-the-go.
- ACE Elite with Direct Deposit FeeAdvantageTM Plan.
- Earn Payback Rewards.
our choice
our choice
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away.
- Up to 10% cash back from select merchants.
- $500-$10,000 credit limits.
- Variable APRs 12.99%-26.99%.
- Build credit alongside tens of thousands of Petal Card members.
- Cash flow technology may help applicants without credit history get approved.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- See if you're pre-approved within minutes without impacting your credit score.
- Petal reports to all 3 major credit bureaus.
- No deposits required.
- Card issued by WebBank, Member FDIC
our choice
Journey® Student Rewards from Capital One®
GREAT CASH BACK OFFER FOR LIMITED CREDIT IN October 2020
- 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
HAVE DIFFERENT CREDIT HISTORY?
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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 moreDoes 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 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 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.
commentsABOUT CREDIT CARDS
WITH CASH BACK
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