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FIND YOUR BEST CASH BACK CREDIT CARD
For most people, cash back credit cards are the best type of rewards cards. They offer a simpler, typically more straightforward way to save money on everything you buy and, unlike airline and travel cards, tend to offer competitive interest rates and 0% introductory APRs.
The best cash back credit card to apply for is always the one that best fits your spending style. Families typically benefit more from cards that offer high rates on groceries and gas, while small spenders and those with credit card debt are often best off choosing a no fee card with a sign up bonus and 0% APR.
Below you can compare current offers and apply online. All links open in new windows. If a link fails to open, temporarily disabling your
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BLUE CASH EVERYDAY® CARD FROM AMERICAN EXPRESS |
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- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% for 12 months*
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None*
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12.99% - 21.99% Variable*
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$0
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Excellent Credit
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CITI® DIVIDEND PLATINUM SELECT® VISA® CARD |
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- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 12 months*
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0%* for 12 months*
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12.99%-22.99%* (Variable)*
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$0*
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Excellent Credit
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BLUE CASH PREFERRED® CARD FROM AMERICAN EXPRESS |
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- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- Terms and Restrictions Apply.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% for 12 months*
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None*
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12.99% - 21.99% Variable*
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$75
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Excellent Credit
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DISCOVER IT® |
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- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% for 14 months*
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0% for 14 months*
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10.99% - 22.99% (V)*
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$0
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Excellent Credit
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BANKAMERICARD CASH REWARDS™ CREDIT CARD |
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- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
- 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0%* for 12 billing cycles*
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0%* for 12 billing cycles for qualifying balance transfers*
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12.99% - 22.99% Variable* on purchases & balance transfers*
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None*
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Excellent Credit
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CAPITAL ONE® CASH REWARDS |
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- $100 bonus after you spend $500 on purchases within the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until June 2014
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% until June 2014*
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0% until June 2014*
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12.9% - 20.9% (V)*
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$0
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Excellent Credit
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CAPITAL ONE® CASH REWARDS |
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- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- Earn unlimited cash back that doesn’t expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases until March 2014
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% until March 2014*
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N/A*
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19.8% (V)*
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$39
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Average Credit
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TRUEEARNINGS® CARD FROM COSTCO AND AMERICAN EXPRESS |
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- 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
- 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
- Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon
- The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members
- Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
- Terms and restrictions apply.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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0% for 6 months*
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N/A*
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15.24% variable*
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No Annual Fee with your paid Costco Membership
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Excellent Credit
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Cash Back Credit Card Tips
5% Cash Back Credit Cards Are Getting Better: Credit card companies boldly advertise 5% cash back rewards, but earning 5% cash back with many of these cards requires careful attention to detail. Presently, the big trend is to offer 5% cash back in categories that rotate four times a year. This cash back structure can be beneficial if you can max out one or two of these categories and extremely beneficial if all categories can be maxed out. For example, when 5% cash back is offered on gas, groceries, or travel, this can add an extra $200 or more to total yearly cash back earnings. The fact that many of these credit cards offer $100 sign up bonuses also makes these excellent choices for consumers who don't spend heavily.
$100 Cash Back Sign Up Bonuses Are Excellent Deals: A number of major credit card companies including Chase and Citibank have been promoting cash back credit cards with $100 sign-up bonuses. Since it takes $10,000 of spending on a card that offers 1% cash back to earn $100, these cards provide very good value, especially for people who only spend a few thousand dollars a year. The one catch to these offers is that you need to spend $500 within three months of opening a new account. If you can do this without overspending and racking up debt, this isn't a big deal. But if you end up breaking the budget to earn your reward, it may be best to pass on these deals.
Ideas to Help You Find the Right Cash Back Credit Card
Cash Back Credit Cards Are the Best Type of Rewards Cards: There are a number of factors that make cash back card rewards superior to other types of rewards cards. Apart from the fact that these cards generally carry no annual fees, the main benefits of having a cash back credit card are that the rewards you earn can be used for anything you like and the cash you earn never loses value. Full Article.
Cash Back Credit Card Trends: Cash back credit cards have undergone significant changes recently. A few years ago, a number of companies offered cards that provided a full 5% cash back on every purchase made at gas stations and grocery stores. Today, credit card companies offer 5% cash back on certain purchase, but they rotate categories that qualify for 5% rewards four times a year. However, the introduction of large sign-up bonuses more than offsets the fact these drawbacks, as getting a $100 sign up bonus after spending only $500 is equivalent to getting a 20% cash back bonus right off the bat. Full Article
What Type of Rewards Credit Card is Best for You?: For most people, the best type of rewards card to have is a cash back card. These cards offer the most straightforward benefit and redeeming rewards for cash is substantially easier than using points or miles. However, it is important to consider how you use your credit cards to figure out what type of rewards card is best for you. Full Article.
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