Cash Back Credit Cards

Cash Back Credit CardsA cash back credit card rewards the cardholder with rebates and incentives for using their card for purchases. Some cards feature cash back rewards in certain categories of shopping, such as groceries or gas, while others feature rewards in all shopping categories. The following are the best cash back credit card offers as selected by the CreditCards.org staff:

  • 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.
  • 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
  • No annual fee
  • No changing categories and your rewards do not expire
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 Billing Cycles* N/A* 12.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-12 Billing Cycles*
Intro APR Balance Transfer N/A*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Barclaycard® Rewards MasterCard® - Average Credit Apply Now
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
658
average
595
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.99% (Variable)* $0* Average Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 24.99% (Variable)*
Annual Fee $0*
Credit Needed Average Credit*
Capital One® QuicksilverOne® Cash Rewards Credit Card Apply Now
  • 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
618
average
563
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until May 2015* N/A* 22.9% Variable* $39* Fair Credit*
Intro APR Purchases 0%-until May 2015*
Intro APR Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*
Capital One® Quicksilver® Cash Rewards Credit Card Apply Now
  • 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
714
average
642
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until May 2015* 0%-until May 2015* 12.9%-22.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until May 2015*
Intro APR Balance Transfer 0%-until May 2015*
Regular APR 12.9%-22.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Citi® Dividend Platinum Select® Visa® Card Apply Now
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
712
average
656
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 12.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-12 mths*
Intro APR Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points Apply Now
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
743
average
697
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 12.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-12 mths*
Intro APR Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Chase Freedom® Apply Now
  • 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
696
average
643
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 mths* 0%-15 mths* 13.99%-22.99% Variable* $0* Good Credit*
Intro APR Purchases 0%-15 mths*
Intro APR Balance Transfer 0%-15 mths*
Regular APR 13.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Good Credit*
Discover it® Apply Now
  • 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 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you 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 when you sign up*. 1% cash back on all other purchases automatically.*
  • 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.
  • U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
711
average
676
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-14 mths* 0%-14 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-14 mths*
Intro APR Balance Transfer 0%-14 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
NFL Extra Points Credit Card Apply Now
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, redeemable for $100 cash back statement credit
  • No annual fee
  • All 32 teams or the NFL Shield card plastic are available
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
  • No limit to the points you can earn
  • Redeem points for VIP NFL experiences, game tickets or cash back statement credits on travel or any other purchase of $25 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
639
average
576
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 14.99% or 22.99% Variable* $0* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 14.99% or 22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Discover it® Apply Now
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you 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 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
731
average
687
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-6 mths* 0%-18 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-6 mths*
Intro APR Balance Transfer 0%-18 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

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  • Repayment Terms up to 60 months!
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Credit Cards › Cash Back Credit Cards

† This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.