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Target RedCardâ„¢ Mastercard
Target RedCardâ„¢ Mastercard
- 28.15% variable based on the Prime Rate Regular Purchase APR
- 31.15% variable based on the Prime Rate Cash Advance APR
At a Glance
The Target RedCardâ„¢ is a family of credit, debit, and prepaid cards from Target and TD Bank, with the most interesting option the no annual fee Target RedCardâ„¢ Mastercard. The card offers 5% off on Target purchases, plus 2% cash back on gas and dining, and 1% back on everything else.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 5% savings at Target and Target.com
- 2% cash back on dining and gas station purchases
- 1% back on all other purchases
- Additional 30-day return policy on select items
- 2-day delivery
- No annual fee
- Regular Purchase APR: 28.15% variable based on the Prime Rate
- Cash Advance APR: 31.15% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- You primarily shop at Target for your groceries or household items
- You want basic rewards for gas and dining purchases
- You have a good or excellent credit score
- You want a card with no annual fee
Synchrony Preferred World Mastercard®
Synchrony Preferred World Mastercard®
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Preferred World Mastercard® offers basic rewards and a simple redemption process, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: $39
- You have good credit
- You prefer cash back rewards as a statement credit
- You don’t want to pay an annual fee
Synchrony Plus World Mastercard®
Synchrony Plus World Mastercard®
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Plus World Mastercard® offers unli8mited 1% cash back on all purchases plus a simple redemption process, and more with a $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: $39
- You have good or excellent credit
- You prefer basic cash back rewards as a statement credit instead of other rewards
- You don’t want to pay an annual fee
Chase Freedom Rise
Chase Freedom Rise
- 26.74% variable based on the Prime Rate Regular Purchase APR
- 26.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Chase Freedom Rise Visa is a credit builder card that can help you earn cash back rewards and double your credit line fast. The card works best with an eligible Chase checking account, as having one can greatly improve your approval odds.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% in cash back for all of your purchases
- Earn a $25 bonus for enrolling in in the first three months
- $0 annual fee
- Increase your credit line with 6 on-time payments
- Regular Purchase APR: 26.74% variable based on the Prime Rate
- Balance Transfer APR: 26.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a Chase checking account with a $250 balance
- You want to earn unlimited 1.5% cash back on all purchases
- You are new to credit cards
- You don't want to pay an annual fee
Mastercard® Gold Card™
Mastercard® Gold Card™
- 21.24%, 25.43% or 28.24% Regular Purchase APR
- 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers. Balance Transfer APR
- 30.49%. This APR will vary with the market based on the Prime Rate Cash Advance APR
At a Glance
The Mastercard® Gold Card™ is a lavish rewards credit card from Luxury Card™ that offers opulent rewards as well as a 24K gold-plated metal card design guaranteed to make a statement and catch the eye of anyone who sees it. Ideal for anyone who enjoys the finer things in life, it showers cardholders in exclusive benefits and VIP experiences.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 24K-Gold-Plated and stainless steel card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
- Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
- Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
- Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
- Regular Purchase APR: 21.24%, 25.43% or 28.24%
- Intro Balance Transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Balance Transfer APR: 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 30.49%. This APR will vary with the market based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $995
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're searching for a credit card that goes miles beyond offering simple rewards and instead emphasizes luxurious treatment and amenities
- You're looking for unparalleled 24/7 concierge service that works tirelessly to meet your personalized requests
- You frequently travel and can benefit from rewards that can be earned and redeemed towards future travel
- You wish to stand out with a visually stunning credit card design crafted with a 24K-gold-plated stainless steel front and carbon back
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The information related to Citi Rewards+® Card, Costco Anywhere Visa® Card by Citi, Meijer Mastercard®, and Citi Rewards+ Student Card has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
What Is a Cash Back Credit Card?
Cash back credit cards offer cardholders rewards as money, instead of miles or points. These cash reward redemption options include:
- Statement credits
- Deposits into linked savings or checking accounts
- Physical checks
Some cash rewards programs allow cardholders to redeem your cash for gift cards, merchandise, or other options as well.
Not all transactions earn cash back rewards. Always read the fine print in your credit or debit card’s terms and conditions to ensure you understand what qualifies for rewards. The following transactions are typically ineligible for cash back:
| Balance transfers | Card account checks | Unauthorized or fraudulent transactions |
| Cash advances | Returns for credit | Traveler’s cheques or foreign currency purchases |
| Lottery tickets | Money orders or wire transfers | Reloading of a prepaid debit or gift cards |
| Card fees, late fees, or finance charges | ||
Common Cash Back Reward Categories
What Are the Different Types of Cash Back Cards?
Not sure what’s the best type of cash back for you? Here’s how the different categories breakdown – and what’s your best card:
| Cash back type | Pros and cons | Best pick | ||
| Unlimited, flat-rate | Lowest rewards rate but lowest hassle | Citi® Double Cash Card | ||
| Tiered cash back | Better cash back on select categories but worse rewards on other purchases | Upgrade Triple Cash Rewards Visa® | ||
| Rotating categories | Perfect for planning ahead but less value in some months | Discover it® Cash Bac | ||
| You choose the categories | Excellent versatility but requires the most account maintanence | Citi Custom Cashâ„ Card | ||
The Upgrade Cash Rewards Visa® charges no fees, offers low rates, earns cash back, and grants credit lines of up to $20,000 in one unique package. The card provides the flexibility and predictability consumers need to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals – but its unlimited cash back rewards mean it still deserves a place in the “Cash Back Rewards” cards, too.
FAQs About a Cash Back Rewards Credit Card
Here are answers from some of the most asked questions about cash back credit cards:
- Cash back credit cards are like any other rewards card. You make a purchase, and you get rewards in the form of points. Unlike other rewards cards, however, these credit cards offer the best redemption options as cash awards. These awards take the form of deposits into bank accounts, statement credits, or gift cards.
- Some card issuers, like Discover, offer a cashback match after the first year. A cash back match is when the bank automatically doubles your cash back after a set period. If you earn $100 in cash rewards, for example, the bank will double that to $200 – no questions asked.
- Points and cash back are mostly the same. All rewards cards earn points. Some cards, however, offer better redemption value for different options. Cards like the Chase Sapphire Cards are much better at travel than something like the Blue Cash Preferred Card from American Express for example.
- The time for points or cash back to show up in your account varies based on the transaction and the card issuer. Most transactions appear in your account within a few days, but sometimes cash back might not show up for a week or so. If you still do not see your cash back rewards after several weeks, contact your card issuer to get clarification.
- Some card issuers have limits on the minimum amount of rewards before cardholders can cash out. Others, however, have no minimum requirements. Deciding when to cash out is a personal decision. Many experts believe that redeeming cash back every month is an excellent habit to get into, as it can help reduce monthly payments and boost the amount of cash you have for everyday spending.
- The average credit card cash back is between 1% and 2%.
- To get the most out of a cash back credit card, you should carefully spend on bonus categories to maximize rewards.Â
- Not all credit cards offer rewards, like points, cash back, or discounts. Always read the card’s fine print before applying to ensure you don’t end up with a product you don’t want.
- In some cases, yes, though this is difficult. One easy way to get the most value from purchases is to stack offers or coupons. BestCards membership is a great way to boost your savings while using your desired credit card. And, it is free to join.