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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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Showing 189 Cards

Date Reviewed: February 10, 2020

National Bank of Arizona AmaZing Cash® Credit Card

National Bank of Arizona AmaZing Cash® Credit Card
  • Regular Purchase APR 9.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 20.24% to 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn cash back on every purchase
  • Intro APR for purchases of 0% for first six months after account opening
  • Intro APR for balance transfers of 0% for first twelve months after account opening, transfers must be requested within 90 days of opening account
  • Annual rewards bonus, based on your spending
  • No annual fee, Zero Liability, and other perks
Rates & Fees
  • Regular Purchase APR: 9.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 20.24% to 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% 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 $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 07, 2020

Valley Premier Rewards American Express® Card

Valley Premier Rewards American Express® Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee $0 for the first 12 months. After that, $99
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • Earn 4x points at restaurants
  • Earn 3x points with airlines
  • Earn 2x points at gas stations
  • Earn 1x points on uncategorized purchases
  • Global Entry/TSA PreCheck reimbursement
  • No foreign transaction fees
  • Annual fee waived the first year
Rates & Fees
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0 for the first 12 months. After that, $99
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on March 01, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on January 26, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $175 or more, get $35 back - Offer Expires on January 31, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 07, 2020

Valley Cash Rewards American Express® Card

Valley Cash Rewards American Express® Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% 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 , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network American Express
Best Benefits
  • 3% cash back at gas stations up to $6,000 per year
  • 2% cash back at supermarkets
  • 1% cash back on all other purchases
  • $25 reward bonus after your first purchase
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on March 01, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on January 26, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $175 or more, get $35 back - Offer Expires on January 31, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 06, 2020

Valley Visa Signature® College Real Rewards Card

Valley Visa Signature® College Real Rewards Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% 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 , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • 0% introductory APR on purchases for 6 months
  • 0% introductory APR on balance transfers for 6 months
  • 3% cash back at gas stations
  • 2% cash back at supermarkets
  • 1% cash back on all other purchases
  • 2,500 bonus points on your very first purchase with no spending requirement
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 06, 2020

Valley Visa Signature® Real Rewards Card

Valley Visa Signature® Real Rewards Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% 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 , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 1.5 points for every dollar you spend
  • Get 2,500 bonus points after your first purchase
  • 0% introductory APR on purchases for 6 months
  • 0% introductory APR on balance transfers for 6 months
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 06, 2020

Sterling National Bank Visa® Real Rewards Card

Sterling National Bank Visa® Real Rewards Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% 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 , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases and balance transfers for the first 6 months
  • Earn 1.5X points for every dollar spent on purchases (equal to 1.5% cash back)
  • Enjoy Zero Fraud Liability protection
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 04, 2020

Sterling National Bank Cash Rewards American Express® Card

Sterling National Bank Cash Rewards American Express® Card
  • Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 23.49% 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 , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network American Express
Best Benefits
  • No annual fee
  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations
  • 2% cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases
  • Rewards expire after five years
  • $25 cash back awarded after first purchase
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on March 01, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on January 26, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $175 or more, get $35 back - Offer Expires on January 31, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • View All Deals -

Date Reviewed: January 30, 2020

Fidelity® Rewards Visa Signature® Card

Fidelity® Rewards Visa Signature® Card
  • Regular Purchase APR 13.99% variable based on the Prime Rate
  • Balance Transfer APR 13.99% variable based on the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 2% cash back on all eligible net purchases
  • Rewards apply towards Fidelity accounts or those of a loved one
  • Rewards never expire
  • Mobile wallet technology
Rates & Fees
  • Regular Purchase APR: 13.99% variable based on the Prime Rate
  • Balance Transfer APR: 13.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: January 28, 2020

Comerica Cash Rewards American Express® Card

Comerica Cash Rewards American Express® Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% 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 , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network American Express
Best Benefits
  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.
  • 2% back on net purchases made at supermarkets and unlimited 1% back on all other purchases
  • $25 cash back reward bonus after first purchase
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 13.99% to 22.99% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction in U.S. dollars; 3% of the transaction in foreign currency
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on March 01, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on January 26, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $250 or more, get $50 back - Offer Expires on February 14, 2021 - See Details
  • Spend $25 or more, get $5 back - Offer Expires on February 28, 2021 - See Details
  • Spend $175 or more, get $35 back - Offer Expires on January 31, 2021 - See Details
  • Spend $100 or more, get $20 back - Offer Expires on January 31, 2021 - See Details
  • View All Deals -

Date Reviewed: January 28, 2020

Comerica Visa® Real Rewards Card

Comerica Visa® Real Rewards Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% 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 , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% intro APR on for 6 months
  • Unlimited 1.5X points
  • Points valid for 5 years
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 13.99% to 22.99% 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: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

#

What Is a Cash Back Rewards Credit Card?

Cash back credit cards, also known as cashback 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.

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 rewards 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 needs 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 a Cash Back Rewards Credit Card

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 a Cash Back Rewards Credit Card

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 rewards structure in the credit card rewards game. Cash is the ultimate when it comes to flexibility. You can use cash everywhere, regardless of your spending habits. This means the limitations with this reward are minimal – at best.
  • No Annual Fees: There are very few rewards credit cards of this variety that charge an annual fee. Many of the best credit card offers charge no annual fee, including the Chase Freedom Unlimited and Discover It.
  • Generous Signup Bonuses: These 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 spending requirements, however. Cash back cards, on the other hand, have low bonus requirements, making them easy to achieve for almost every cardholder.
  • Simplicity: Cash rewards 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 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 rewards 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 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 rewards credit cards earn a base rewards 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 a higher rewards rate 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, 2% cash back on travel, and 1% back on all other purchases, for example. Examples of tiered cards include the Savor Cash Rewards Credit Card from Capital One and the Chase Freedom. The Savor card is especially great for dining and entertainment purposes.

Keep in mind that these rotating cards only earn points on eligible purchases – and only yp to a set spending limit. Some cards may only offer enhanced points on the first spend $1,000 in purchases in a select category.

Which Cash Back Rewards Credit 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?

FAQs About a Cash Back Rewards Credit Card

Here are answers from some of the most asked questions about cashback credit cards:

How do cashback credit cards work?

  • 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.

How does a cash back match work?

  • 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.

What’s better: points or cash back?

  • 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.

How long does it take for my cash back to show up in my account?

  • 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.

When should you redeem cash back?

  • 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.

Find Your Best Cash Back Rewards Credit 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!