Cash Back Credit Cards

A 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:

Chase Freedom® Visa - $100 Bonus Cash Back Experts Choice Offer

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
Unlimited 1% Cash Back on all other purchases
This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
0% Intro APR for 15 months on purchases and balance transfers
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!
No annual fee and rewards never expire

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-15 mths*	0%-15 mths*	13.99%-22.99% (Variable)*	N/A*	Excellent Credit*

Capital One® Cash Rewards - $100 Cash Back Bonus

$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
Earn unlimited cash back that doesn't expire
Redeem cash back anytime for any amount, even set automatic redemptions
No annual fee
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until May 2014.

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-until May 2014*	0%-until May 2014*	12.90%-20.90% (Variable)*	$0*	Excellent Credit*

BankAmericard Cash Rewards™ credit card

Get a $100 cash back bonus after qualifying purchase(s)
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

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0% - 12 billing cycles*	0% - 12 billing cycles for balance transfers made in the first 60 days*	12.99%-22.99% Variable*	$0*	Excellent Credit*

*Regular APR applies to both purchases and balance transfers

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

$100 cash back after $500 in purchases within the first 3 months of account opening
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
Full 1% cash back on all other purchases and eligible cash advances.
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*
Enroll at no additional cost each quarter for new categories that earn additional cash back
No Annual Fee*

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*

Discover it® Card

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 Concierge℠ who guides a free, personalized online tour to help you get the most rewards for how you use your card.
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.*
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.

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*

Capital One® Cash Rewards for Newcomers

Get 2% cash back on travel purchases
Earn 1% cash back on all other purchases
A card designed to help those new to the U.S. establish credit and earn cash back
Build credit with responsible use-plus automatic reporting to the three major credit bureaus
No foreign transaction fees
No annual fee

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
N/A*	N/A*	24.90% (Variable)*	$0*	Average Credit*

Discover it® Card - 18 Month Promotional Balance Transfer

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 Concierge℠ who guides a free, personalized online tour to help you get the most rewards for how you use your card.
0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
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.*
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.

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*

Barclaycard® Rewards MasterCard® - Excellent Credit

Earn 5,000 points, equal to a $50 statement credit, after your first purchase or balance transfer
Use the points you earn like cash to pay for almost any purchases you've made.
Earn 2 points per $1 on gas, grocery, and utility purchases
Earn 1 points per $1 everywhere else
0% Introductory APR for 15 months on purchases and balance transfers
No annual fee
No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up
This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-12 mths*	0%-12 mths*	14.99%-24.99% (Variable)*	$0*	Excellent Credit*

Capital One® Cash Rewards - Average Credit

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 February 2014

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
0%-until February 2014*	N/A*	19.80% (Variable)*	$39*	Fair Credit*

Barclaycard® Rewards MasterCard® - No Balance Transfer Fee

2X points per $1 spent on gas, groceries and utilities
No cash back limits
Use your points like cash to pay for any purchase you've made
No balance transfer fee
Redeem for flights, shopping, dining and more
No annual fee
No blackout dates

Intro APR Purchases	Intro APR Balance Transfer	Regular APR	Annual Fee	Credit Needed
N/A*	N/A*	24.99% Variable*	$0*	Average Credit*

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Credit Cards › Cash Back Credit Cards

Credit Rating	APR Avg
Excellent Credit	12.51%
Good Credit	16.57%
Fair Credit	20.87%
Bad/No Credit	34.26%