Which Credit Card is Best for Cash Back?

Updated on May 18, 2016

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Cash back credit cards give you money back on your card or in the form of a check just for making purchases. Who doesn't want money to come back to them? According to a report by the Aite Group in 2008, consumers say that the rewards programs offered by credit card companies are the second most important feature consumers look for when comparing options, behind annual fees, but before interest rates. The problem is, not all of these cards are created equally.

What Are Cash Back Credit Cards?

There are many cards on the market that offer rewards based on the amount of purchases you charge. Some give you vouchers that you can use to purchase items at a particular store. Others give you airline miles that you can cash in free trips. Some even give you cash back. If you are interested in these types of cards, your best bet is to apply for a cash back card. Why? While rewards and gifts are nice, nothing beats cash.

Top Cash Back Credit Card Offers From Our Partners

The best cash back credit cards range based on what individuals qualify for as well as what their needs are. The following are the best offers currently available.

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back for those with excellent credit offers $100 cash back when you spend $500 on your card in three months. It offers a regular 5 percent cash back from Citi on Citi Dividend College Studentspurchases for at Zappos.com, fitness clubs and drugstore purchases from 1/1/13 to 3/31/13, and one percent on all other cash purchases. The regular APR is 12.99 percent to 22.99 percent. *This offer and/or promotion may have since changed, expired, or is no longer available.

The Chase Freedom® Visa offers excellent credit score individuals up to $100 cash back if you spend $500 within the first three months. You'll earn up to 5 percent cash back on purchases at Restaurants, Movie Theaters and Lowe's from 4/1/13 to 6/30/13 (limits do apply) and 1 percent cash back unlimited on other purchases. The Regular APR is 12.99 percent to 22.99 percent.

Any of these cash back credit cards can work for consumers. However, it is up to you to keep get the best offers for your needs - a good credit score is often necessary.

*Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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