3 Leading Cash Back Credit Cards

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3 Best Cash Back Credit Cards

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• Updated: September 28, 2016

Cash back credit cards are a major addition to your wallet because they are easy to use and redeem. Among all rewards credit cards, cash back cards are the most popular. Instead of offering bonuses that can only be redeemed for airfare or lodging, cash back cards give you real cash that you can use any way you like. The best cash back credit cards tend to be those that explain terms in a straightforward manner and provide enticing cash back rates across all purchases. Cash back credit cards can help consumers by encouraging responsible spending habits, all while earning a little extra for their efforts when used properly.

An important thing to consider when choosing which card is right for you is how much cash is earned per every dollar spent, and whether it is possible to earn enough cash back to recoup the cost of carrying the credit card. Most of today’s cash back credit cards offer 1% to 2% cash back on purchases. Don’t forget, in order to maximize your earning potential, you should pay your balance in full each month to avoid paying any interest.

1. BankAmericard Cash Rewards™ Credit Card: BankAmericard Cash Rewards™ Credit Card: Perfect for everyday expenses


BankAmericard Cash Rewards™ Credit Card

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The BankAmericard Cash Rewards™ credit card is a terrific cash back credit card if you have accounts with Bank of America or Merrill Lynch and do not want to deal with rotating categories. This card rewards you for everyday purchases and provides added bonuses if you have a Bank of America® checking or savings account. While it might not have the as high reward percentages as other cash rewards cards, it can still get you a solid 2% at grocery and wholesale stores and 3% on gas purchases on up to a combined $2,500 per quarter and 1% on every other purchase. The real benefit of this card is the 10% to 75% rewards bonus you can get when you redeem your cash rewards into Bank of America® checking, savings, or eligible investment accounts.

Card Highlights:
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.

2. Barclaycard CashForwardTM World MasterCard®: Rewards Never Expire

Barclaycard CashForward™ World MasterCard®

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The Barclaycard CashForward
TM World MasterCard® is one of Barclays newest credit card offererings to hit the market. Barclays, a London based bank, has had enormous success in the US in recent years and continues to provide excellent credit card products. The CashForwardTM World MasterCard® is no exception. Not only do customers earn 1.5% cash back on every purchase, but the rewards they earn never expire. In addition, Barclays will give you $100 simply for opening an account and spending $500 in the first three months. This card also offers 0% on balance transfer for 15 months, so you can consolidate any outstanding debt if you choose to do so, for no additional cost. This card is perfect for anyone looking to get some extra rewards from purchases they already make.

Card Highlights:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 14.99%, 19.99% or 24.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee

3. Citi® Double Cash Card: Citi® Double Cash Card: The easiest way to earn

Citi® Double Cash Card – 18 month BT offer

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Most people want a cash rewards credit card because they're the simplest of all the rewards cards. You don't have to juggle air miles trying to avoid blackout dates and you don't have to redeem your rewards with one hotel chain or air liner. The concept behind the cash back cards are simple, swipe your card, get cash back. The Citi® Double Cash Card is the epitome of effortless. Customers get 1% cash back every time they swipe their card, and another 1% when the credit card statement is paid. It's that simple. In addition, the Citi® Double Cash Card doesn't have category restrictions, it doesn't have reward caps and there are no rotating categories. As an added bonus, this card doesn't have annual fee either!

Card Highlights:
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

If you'd like to see all of our Cash Back Rewards Credit Cards, Click Here.

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