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Find the Best Cash Back Rewards Credit Card

For the most flexible rewards, look no further than cash back rewards credit cards. Earn cash from everyday purchases like groceries, gas, and online shopping. Browse the best cash back rewards credit cards offers to find the best card for your spending style.

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Total Cards 180

August 09, 2018

Blue Cash Everyday® Card

$175 Statement Credit + 0% Intro APR for 15 Months

Blue Cash Everyday® Card
  • Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network American Express
Best Benefits
  • 3% cash back at U.S. supermarkets
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on other eligible purchases
  • Car rental loss and damage insurance
  • Global Assist Hotline
  • Complimentary Shoprunner membership
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers requested within 60 days from account opening date
  • Balance Transfer APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

August 13, 2018

Blue Cash Preferred® Card

Earn a $300 Statement Credit + 0% Intro APR for 12 Months

Blue Cash Preferred® Card
  • Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer APR 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network American Express
Best Benefits
  • 6% cash back on streaming subscriptions
  • 6% cash back at supermarkets
  • 3% cash back on transit purchases
  • 3% cash back at gas stations
  • 1% back on all other eligible purchases
  • Complimentary ShopRunner membership
  • Return protection up to $300 per item
  • Car rental loss and damage assistance
  • Global Assist Hotline
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers requested within 60 days from account opening date
  • Balance Transfer APR: 12.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $95
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

August 15, 2018

Wells Fargo Cash Wise Visa® Card

$150 Cash Rewards Bonus + Unlimited 1.5% Cash Rewards

Wells Fargo Cash Wise Visa® Card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • 1.5% cash rewards on everyday purchases
  • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) du
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
  • Balance Transfer APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 12 months. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Penalty APR: None
  • Annual Fee: None
  • Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37

August 15, 2018

USAA® Rewards™ Visa Signature® Card

2X Points on Gas & Dining, 1X Point Everywhere Else

USAA® Rewards™ Visa Signature® Card
  • Regular Purchase APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 2X points on dining and gas, 1X points on all other purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen
Rates & Fees
  • Regular Purchase APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 15, 2018

USAA® Preferred Cash Rewards Visa Signature® Card

Unlimited 1.5% Cash Back

USAA® Preferred Cash Rewards Visa Signature® Card
  • Regular Purchase APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Easy, Unlimited 1.5% Cash Back on Purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen
Rates & Fees
  • Regular Purchase APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 16, 2018

Chase Freedom Unlimited®

Earn $200 Cash Bonus + 0% APR for 15 months

Chase Freedom Unlimited®
  • Regular Purchase APR 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Visa
Best Benefits
  • Unlimited 1.5% cash back on every purchase
  • 0% introductory APR for 15 months
  • 3% introductory balance transfer fee within first 60 days
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 16.49% to 26.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39

August 16, 2018

USAA® Cashback Rewards Plus American Express® Card

Earn up to 5% Cash Back

USAA® Cashback Rewards Plus American Express® Card
  • Regular Purchase APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn a $150 bonus after you make $500 in Qualifying Purchases within the first 90 days of opening your account
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturers warranty at no extra cost
Rates & Fees
  • Regular Purchase APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 17, 2018

Discover it® Cash Back

Earn up to 5% Cash Back

Discover it® Cash Back
  • Regular Purchase APR 13.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 13.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 14 months from account opening
  • Processing Network Discover
Best Benefits
  • 5% cash back in rotating categories - choose from grocery stores, restaurants, gas stations, select rideshares and online shopping
  • 1% cash back on all other purchases
  • Discover matches all of the cash back earned by the cardholder at the end of the first year automatically; there is no limit to how much cash back is matched
  • Cash back rewards never expire, earn unlimited cash back
  • Use rewards at Amazon checkout
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 14 months from account opening
  • Regular Purchase APR: 13.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 14 months from date of first transfer
  • Balance Transfer APR: 13.49% to 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

August 21, 2018

U.S. Bank Cash+™ Visa Signature® Card

Earn Up to 5% Cash Back

U.S. Bank Cash+™ Visa Signature® Card
  • Regular Purchase APR 143.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • Get a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening
  • Earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories of your choice
  • Earn 2% cash back on one everyday category, like gas stations or grocery stores
  • Earn 1% cash back on all other net purchases
Rates & Fees
  • Regular Purchase APR: 143.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on balances transferred within 60 days from account opening
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater
  • Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

August 21, 2018

U.S. Bank Cash+™ Visa Signature® Card

Earn Up to 5% Cash Back

U.S. Bank Cash+™ Visa Signature® Card
  • Regular Purchase APR 143.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • Get a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening
  • Earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories of your choice
  • Earn 2% cash back on one everyday category, like gas stations or grocery stores
  • Earn 1% cash back on all other net purchases
Rates & Fees
  • Regular Purchase APR: 143.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on balances transferred within 60 days from account opening
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater
  • Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

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What Is a Cash Back Credit Card?

Cash back credit cards, also known as cashback credit cards, offer cardholders rewards as money, instead of miles or points. Cash back typically is redeemed for:

  • Statement credits
  • Deposits into linked savings or checking accounts
  • Physical checks

Some cash back programs allow cardholders to use rewards for gift cards, merchandise, or other options as well.

Common Cash Back Categories

Cash back credit cards usually earn rewards on every qualifying purchase. This is because they typically receive a base-rate of 1% on all purchases.

These cards sometimes earn additional rewards ins elect categories. Common enhanced cash back categories include:

  • Groceries and Supermarkets: Grocery stores are a popular category with cash back cards. Earning rewards for the weekly grocery shop is a great perk, as it can add extra money into a family’s food funds. Often, warehouse clubs, like Costco, or superstores, like Walmart and Target, don’t apply towards this cash back category – even if you’re buying grocery goods.
  • Gas Stations: Gas stations are a popular category for cash back because fuel is something almost every American need for their daily commute. On average, Americans spend over $4,000 per year on gas, meaning cash back in this category offers significant savings. Gas rewards cards are a unique subset of cash rewards cards and provide exceptional value for those who spend heavily at the fuel pump.
  • Dining and Restaurants: Earn extra rewards when eating out. This category includes fine dining, fast food, and everything in between.

Pros and Cons of Cash Back Cards

Like any other credit card type, cash back rewards cards feature both positives and negatives. Before applying for any card, make sure you understand their benefits – and drawbacks.

Benefits of Cash Back Cards

There are numerous benefits to applying for a cash back card. Here are some of these cards’ best features:

  • Value: Cash back is the most versatile reward in the credit card rewards game. Cash is the ultimate when it comes to flexibility. You can use cash everywhere, meaning the limitations with this reward are minimal – at best.
  • No Annual Fees: There are very few cash back credit cards that charge an annual fee. Many of the best cash back credit card offers charge no annual fee, including the Chase Freedom Unlimited and Discover It.
  • Generous Signup Bonuses: Cash back cards don’t come with eye-watering introductory bonuses. Airline credit cards, for example, offer rewards of up to 100,000 miles. These offers typically come with high initial spend requirements, however. Cash back cards, on the other hand, have low bonus requirements, making them easy to achieve for almost every cardholder.
  • Simplicity: Cash back is a straightforward system. There aren’t complex reward point calculations or portals. Instead, cardholders get money added to their account in the form of statement credits or physical checks.

Drawbacks of Credit Cards That Offer Cash Back

Despite their ease-of-use, cash back cards might not be for some. Here are some reasons why a cash back rewards card might not be for you:

  • Lower Introductory Bonuses: Most signup bonuses are worth $200 or less. While they are easier to achieve, for high-spenders, there may be more value with a travel rewards credit card.
  • Caps: Some cash back rewards offers come with limits on the high-end cash back rewards. These limits might be $1,500 in a 5% category, after which those purchases may only earn 1% back.
  • Lack of Perks: Cash back cards, unlike travel cards or hotel cards, offer few perks.
  • Lack of Flexibility: There is usually only one way to redeem rewards. Other types of rewards credit cards offer better flexibility.
  • Foreign Transaction fees: Most cash back rewards cards charge a foreign transaction fee. These charges mean that the credit card is more expensive to sue outside of the United States than a card that charges no foreign transaction fees.
  • Not Good for Carrying a Balance: Rewards credit cards aren’t meant for carrying a balance. Because they earn rewards, holding a statement balance means these cards lose value due to interest. If you plan to apply for a rewards card, always pay your statement balance in full. Otherwise, you leave money on the table.

What Are the Different Types of Cash Back Cards?

Flat-Rate Cash Back

Flat-tiered cash back rewards cards earn a base rate on every purchase. These cards include options for those rebuilding their credit, such as the Credit One® Platinum Card, to opportunities for those who want excellent value every day. Other examples of flat-tired cash back cards include the Chase Freedom Unlimited® and the Citi® Double Cash Card.

Rotating Category Cash Back Cards

Some credit cards offer enhanced rewards in rotating categories. Two specific examples of these types of cards are the Chase Freedom® and the Discover It® Cash Back.

Tiered Cash Back

Tiered cash back cards offer higher rates of rewards for select purchases. These cards might earn 5% back on gas purchases, 3% back on dining, and 1% back on all other purchases, for example.

Which Cash Back Card Is Right for You?

Wondering what cash back card offer is right for you? Before applying, consider the following aspects to find your best card.

What to Look for:

  • Annual Fee: Does the card charge an annual fee?
  • Signup Bonus: What is the introductory bonus? Will you spend enough money to qualify for the bonus?
  • Flexibility: How flexible are the rewards? Do they apply as a statement credit? Or can you use the cash back rewards for other options, like deposits to linked accounts, gift cards, etc.?
  • Categories: Do you spend enough in the card’s reward categories to justify getting it? If it’s a gas rewards card, for example, do you spend enough on fuel to warrant a gas rewards card?

Find Your Best Cash Back Rewards Card

Trying to find a credit card that gives you cash back rewards on all your purchases? BestCards.com has comprehensive and impartial reviews of over 800 top credit cards on the market today – including cash rewards cards.

Scan our hundreds of reviews, use our comparison tool, and take advantage of our extensive credit card resources and advice. Ready to start looking? Let’s find your best card today!