Cash Back Credit Cards

  • Compare cash back credit cards offering cash rebates up to 20%
  • Expert and Independent ratings & consumer reviews for the best cash back credit cards available
  • Secure and immediate online application process
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Intro Purchase APR

0% for purchases for 12 billing cycles*

Intro BT APR

0% for qualifying balance transfers for 12 billing cycles*

Sign Up Offer

Intro Purchase APR 0% for purchases for 12 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 12 billing cycles*

Ongoing Information

Regular Purchase APR: 12.99% - 22.99% Variable* on purchases & balance transfers
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

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Excellent

Approved
Credit Scores*

Average:

N/A

Lowest:

N/A

Highlights

  • 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 on-going 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
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Reward

Earn $100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Sign Up Offer

Intro Purchase APR 0% for 15 months on purchases and BTs*
Intro Balance Transfer: 0% for 15 months on purchases and BTs*

Ongoing Information

Regular Purchase APR: 13.99%-22.99% Variable*
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

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Excellent/Good

Approved
Credit Scores*

Average:

696

Lowest:

643

Highlights

  • Earn a $100 Bonus after you make $500 in 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 April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • 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
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Intro Purchase APR

0% for 12 Months*

Intro BT APR

0% for 12 Months*

Sign Up Offer

Intro Purchase APR 0% for 12 Months*
Intro Balance Transfer: 0% for 12 Months*

Ongoing Information

Regular Purchase APR: 12.99%-22.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

712

Lowest:

656

Highlights

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening 
  • Earn 5% cash back every quarter in must-have categories.  Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • 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
 
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Intro Purchase APR

0%* for 6 Months

Intro BT APR

0% for 18 Months

Sign Up Offer

Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 0% for 18 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

731

Lowest:

687

Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 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%.
  • *Click "Apply" to see rates, rewards, and  free FICO® Credit Score terms and other information.
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Intro Purchase APR

0% for 14 Months

Intro BT APR

0% for 14 Months

Sign Up Offer

Intro Purchase APR 0% for 14 Months
Intro Balance Transfer: 0% for 14 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

711

Lowest:

676

Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee. 
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
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or call888-909-5733

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Intro Purchase APR

0% on purchases until January 2015

Rewards Rate

Earn 1.5% Cash Back Every Day

Sign Up Offer

Intro Purchase APR 0% on Purchases until January 2015
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 22.9% (V)
Annual Fee: $39
Rewards Rate: Earn 1.5% Cash Back Every Day
Credit Needed:
 
Fair Credit

Credit cards for fair credit are intended for those with a FICO score between 600 - 659.

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Average/Fair

Approved
Credit Scores*

Average:

618

Lowest:

563

Highlights

  • 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 January 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
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Apply Now

or call866-927-5618

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Intro Purchase APR

0% APR on purchases until January 2015

Intro BT APR

0% APR until January 2015

Sign Up Offer

Intro Purchase APR 0% on purchases until January 2015
Intro Balance Transfer: 0% until January 2015

Ongoing Information

Regular Purchase APR: 12.9%-22.9% (V)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Approved
Credit Scores*

Average:

714

Lowest:

642

Highlights

  • 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 purchases and balance transfers until January 2015
  • No annual fee
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Bonus Rewards

25% cash back bonus each month*

Bonus Cash

1% cash back on all purchases

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 19.80% (V)
Annual Fee: None
Credit Needed:
 
Fair Credit

Credit cards for fair credit are intended for those with a FICO score between 600 - 659.

Get Your Free Score!
Average/Fair/Limited

Approved
Credit Scores*

Average:

624

Lowest:

558

Highlights

  • Earn 1% cash back on every purchase, every month-and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus-that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Brighten your financial future with responsible credit use - and get rewarded along the way
  • Fraud coverage if your card is lost or stolen
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Pick the monthly payment due date that works best for you
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker
 
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Cash Back Credit Cards

Cash back credit cards, as their name implies, reward you with cash back for using the card. That makes them one of the most popular kinds of rewards cards because it’s like getting an extra discount on every purchase.

When looking for a cash back credit card you will want to keep in mind, however, that the biggest factors impacting any credit card are those that affect your interest rate and any standard fees and charges. If you get a card with too high of an interest rate or too expensive of an annual fee, it might undermine the whole point of trying to receive extra cash. The cash you get back with your cash back credit card should be viewed as an added perk. In other words, the cash back card that you choose to enjoy that perk should be selected based on its fundamental ability to provide cash rewards in a relatively short amount of time.

Check our expert ratings, compare cards, and locate the top cash back credit cards which deliver the best all-around benefits – moderately low interest rate, universal cash back option and potentially one with no cap on the amount of cash back that can be earned. Most cash back credit cards will generally offer anywhere from 1% to 5% cash back – and will have guidelines regarding how much cash you can earn during a given timeframe. But if you pick your card wisely and then use it responsibly a cash back credit card is just like having an automatic savings plan or piggy bank tied to your purchase activity.

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