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Advertising Disclosure *Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

 

FIND THE BEST CASH BACK CREDIT CARD

Cash back credit cards offer consumers the ability to earn rewards without committing to pricey annual fees. And as an added bonues, competition among banks means consumers can cash in with $100 bonuses just for switching to a better rewards card.

Below you can compare current offers and apply online. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

CITI® DOUBLE CASH CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
12.99% - 22.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
VIEW ALL FEATURES

Additional Features
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Apply Now

CAPITAL ONE® QUICKSILVER® CASH REWARDS CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% until May 2015*
0% until May 2015*
12.9% - 22.9% (V)*
$0
Excellent/Good


Key Features
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on all purchases until May 2015
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred
  • No annual fee
VIEW ALL FEATURES

Additional Features
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on all purchases until May 2015
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred
  • No annual fee
Apply Now

BANKAMERICARD CASH REWARDS™ CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 12 billing cycles*
0% for 12 billing cycles for qualifying balance transfers*
12.99% - 22.99% Variable* on purchases & balance transfers*
$0
Excellent Credit


Key Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get an ongoing 10% customer bonus every time 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, 12.99% - 22.99% variable APR
VIEW ALL FEATURES

Additional Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get an ongoing 10% customer bonus every time 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, 12.99% - 22.99% variable APR
Apply Now

CHASE FREEDOM®



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
13.99%-22.99% (Variable)*
$0
Excellent/Good


Key Features
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between July 1 and September 30, 2014 at gas stations and Kohl's®
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
VIEW ALL FEATURES

Additional Features
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between July 1 and September 30, 2014 at gas stations and Kohl's®
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
Apply Now

CAPITAL ONE® QUICKSILVERONE® CASH REWARDS CREDIT CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% until May 2015*
N/A*
22.9% (V)*
$39
Fair Credit


Key Features
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until May 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
VIEW ALL FEATURES

Additional Features
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until May 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
Apply Now

DISCOVER IT® CHROME



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 6 months*
0% for 18 months*
10.99% - 22.99% Variable*
$0
Excellent Credit


Key Features
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply'.
VIEW ALL FEATURES

Additional Features
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply'.
Apply Now

DISCOVER IT®



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 14 months*
0% for 14 months*
10.99% - 22.99% Variable*
$0
Excellent Credit


Key Features
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply.'
VIEW ALL FEATURES

Additional Features
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply.'
Apply Now

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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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Government Resources: CARD Act Consumer Protections | Federal Trade Commission | Consumer Financial Protection Bureau

*Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Editorial Note: This content is not provided by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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