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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Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®
  • Regular Purchase APR 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 2% cash back rewards on every purchase
  • Contactless payment compatibility
Rates & Fees
  • Regular Purchase APR: 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of each balance 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 cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Zions Bank Agility Visa® Credit Card

Zions Bank Agility Visa® Credit Card
  • Regular Purchase APR 12.25% to 24.25% variable based on the Prime Rate
  • Balance Transfer APR 12.25% to 24.25% variable based on the Prime Rate
  • Cash Advance APR 21.25% to 25.25% 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% cash back on all purchases
  • Choose automatic redemption and decide whether to receive cash back every month, every quarter, or when you reach certain amounts
  • 0% intro APR on purchases and balance transfers
  • No annual fee or foreign transaction fee
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.25% to 24.25% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 12.25% to 24.25% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.25% to 25.25% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $30
Credit Card Deals

Morgan Stanley Blue Cash Preferred® Card

Morgan Stanley Blue Cash Preferred® Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $0 intro annual fee for the first year, then $95
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network American Express
Best Benefits
  • No annual fee for the first year
  • Earn a $100 statement credit after spending $15,000 on eligible purchases per calendar year
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
  • 1% Cash Back on other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness the Prime Rate
  • 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: 29.99% variable based on the Prime Rate
  • Annual Fee: $0 intro annual fee for the first year, then $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
Credit Card Deals

Truist Enjoy Cash Secured Credit Card

Truist Enjoy Cash Secured Credit Card
  • Regular Purchase APR 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 19.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee $19
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap), and 1% back on all other eligible purchases
  • Unlimited cash back rewards
  • Monthly payment history will be reported to three major credit bureaus
  • Up to 50% Loyalty Cash Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
  • Low annual fee
Rates & Fees
  • Regular Purchase APR: 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 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: 22.24% 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: $19
  • Late Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: See Terms
Credit Card Deals

University of Miami Customized Cash Rewards Credit Card

University of Miami Customized Cash Rewards Credit Card
  • Regular Purchase APR 13.99% 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 16.99% to 28.99% 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
  • No annual fee
  • Earn 3% cash back in the category of your choice, like online shopping
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 1% cash back on all other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 16.99% to 28.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on creditworthiness
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Texas Exes Customized Cash Rewards Credit Card

Texas Exes Customized Cash Rewards Credit Card
  • Regular Purchase APR 13.99% 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 16.99% to 28.99% 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
  • No annual fee
  • Earn 3% cash back in the category of your choice, like online shopping
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 1% cash back on all other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days of account opening
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 16.99% to 28.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on creditworthiness
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Quicksilver® Secured Rewards

Quicksilver® Secured Rewards
  • Regular Purchase APR 26.99% variable based on the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Unlimited 1.5% cash back on all purchases
  • With responsible card use you could earn back your deposit and upgrade to an unsecured Quicksilver card
Rates & Fees
  • Regular Purchase APR: 26.99% variable based on the Prime Rate
  • Balance Transfer APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR
  • Cash Advance APR: 26.99% 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 $40
  • Minimum Deposit Required: $200
Credit Card Deals

Paceline Credit Card

Paceline Credit Card
  • Regular Purchase APR See Terms
  • Balance Transfer APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee $120
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn up to 3% cash back on Health & Wellness purchases when maintaining a Paceline Streak
  • Earn 1.5% back on Health & Wellness purchases outside of Paceline Streaks
  • Earn 1% back on every dollar spent on all other net purchases
  • Visa Signature benefits and protections
Rates & Fees
  • Regular Purchase APR: See Terms
  • Balance Transfer APR: See Terms
  • Balance Transfer Transaction Fee: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Penalty APR: See Terms
  • Annual Fee: $120
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
  • Over Limit Penalty Fee: See Terms
Credit Card Deals

U.S. Bank Cash+® Visa® Secured Card

U.S. Bank Cash+® Visa® Secured Card
  • Regular Purchase APR 25.99% variable based on the Prime Rate
  • Balance Transfer APR 25.99% variable based on the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 5% back on the first $2,000 in combined eligible purchases each quarter in two categories you choose
  • Earn 2% back on the first $2,000 in combined eligible purchases each quarter in one everyday category
  • Earn 1% Back on all other purchases
Rates & Fees
  • Regular Purchase APR: 25.99% variable based on the Prime Rate
  • Balance Transfer APR: 25.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Foreign Transaction Fee: 3% of each foreign transaction in US dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: $300
Credit Card Deals

Bilt Mastercard®

Bilt Mastercard®
  • Regular Purchase APR 14.99% - 29.99%
  • Cash Advance APR 14.99% - 29.99%
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 1X point per $1 on rent with no fees (up to 50,000 points every year)
  • Earn 3X points per $1 on dining purchases
  • Earn 2X points per $1 on travel purchases
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 14.99% - 29.99%
  • Cash Advance APR: 14.99% - 29.99%
  • Cash Advance Transaction Fee: Either $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
Credit Card Deals

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. 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 Reward Categories

Groceries

Gas

.

Dining

.

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 and offer opportunities for those who want excellent value every day. Other examples of flat-tired cash back cards include the Chase Freedom Unlimited®, TD Bank Double Up, 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® Flex and the Discover It® Cash Back. These cards offer a base percentage of cash back (usually 1% back), with additional rewards (usually 5% back) on set categories that change every three months

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 from Capital One. The Savor card is especially great for dining and entertainment purposes.

What Is the Best Cash Back Card for Me?

Trying to find the best cash abck card for your needs? Here are some of the best offers on the market from our partners:

Best for: Secured Credit

Surge Secured Mastercard®

surge secured mastercard
Earn Rewards While Building Credit!
  • Earn 1% Cash back Rewards on every purchase
  • Monthly reporting to the three major credit bureaus
  • Zero Fraud Liability
☆ Fast Online Application
☆ Your Deposit Is Your Credit Line
☆ Build Credit & Earn Rewards
☆ Free access to your VantageScore

The Surge Secured Mastercard® is a secured credit card that offers rewards – and the ability to build credit – in one package. The card differs from most secured cards on the market in that it earns 1% cash back rewards on every purchase and can help users build their credit score at most places in the United States where Mastercard is accepted.

Best for: Low APR

Upgrade Visa® Card with Cash Rewards

upgrade visa credit card
Earn Unlimited Cash Back
  • Unlimited 1.5% cash abck on all purchases
  • No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR

The Upgrade Visa® Card with Cash Rewards offers no fees, low rates, cash back, and credit lines 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 of 2022 – or any list of the best credit cards in the U.S.

Best for: Luxury

Mastercard® Black Card™

mastercard black card new - small
Patented Card Construction and 24/7 Luxury Card Concierge
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% value for cash back redemptions
  • $4995 annual fee
☆ 22 Gram PVD-Coated Card Design
☆ Up to $100 Airline Credit Each Year
☆ Priority Pass™ Select
☆ 24/7 Luxury Concierge Access

An exclusive and complete credit card, the Mastercard® Black Card™ is a statement piece that offers a wide range of unique benefits not found anywhere else. Beyond a 2% redemption rate for airfare and 1.5% for cash back, the Black Card provides a full lifestyle experience that goes beyond just amassing points – and that more than makes up for its annual costs. Once approved, customers can expect 24/7 personalized concierge service, VIP discounts, and attractive memberships.

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 use 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.

FAQs About a Cash Back Rewards Credit Card

Here are answers from some of the most asked questions about cashback 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.

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