Cash Back Rewards Credit Cards

Let us match you to personalized credit card offers. Get started with your FICO® Score for free.

Sign up for free

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more

Filter offers.

26 Card Offers

Intro APR

0% Intro APR on Purchases and Balance Transfers for 15 months

Ongoing APR

17.24% - 28.24% Variable APR

Rewards

5% Cash Back on everyday purchases at different places each quarter
1% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

N/A

Rewards

8% Cash Back on Capital One Entertainment Purchases
3% Cash Back on Dining & Grocery Stores
3% Cash Back on Streaming Services & Entertainment
1% Cash Back on All Other Purchases

Ongoing APR

30.74% (Variable)

Annual Fee

$0

Intro APR

0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months

Ongoing APR

18.24% - 27.24% Variable APR

Rewards

2% Cash Back on Gas Stations & Restaurants
1% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

N/A*

Rewards

5% Cash Back on Hotels and Rental Cars Booked Through Capital One Travel
1.5% Cash Back on All Purchases

Ongoing APR

30.74% (Variable)

Annual Fee

$39

Intro bonus

N/A*

Rewards

1% Cash Back on All Purchases

Ongoing APR

28.99% Variable

Annual Fee

$0

Intro bonus

N/A*

Rewards

5% Cash Back on Hotels and Rental Cars Booked Through Capital One Travel
1.5% Cash Back on Every Purchase

Ongoing APR

30.74% (Variable)

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on Payments

Ongoing APR

19.24% Variable

Annual Fee

$39

Intro bonus

N/A*

Rewards

5% Cash Back on Walmart.com
2% Cash Back on Restaurants & Travel
2% Cash Back on Walmart In-store Purchases
1% Cash Back on All Other Purchases

Ongoing APR

18.99% or 29.99% (Variable)

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on Payments

Ongoing APR

24.49% Variable

Annual Fee

$25 Annual Fee for first year; after that $35 annually

Intro bonus

Discover will match all the cash back you’ve earned at the end of your first year

Rewards

2% Cash Back on Gas Stations & Restaurants
1% Cash Back on All Other Purchases

Ongoing APR

28.24% Variable APR

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on Payments

Ongoing APR

15.24% Variable

Annual Fee

$49

Intro bonus

N/A*

Rewards

4% Cash Back on eligible gas and EV charging purchases
3% Cash Back on restaurants and eligible travel purchases
2% Cash Back on all other purchases from Costco and Costco.com
1% Cash Back on all other purchases

Ongoing APR

20.49% (Variable)

Annual Fee

$0

Intro bonus

Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening

Rewards

3x Points on Gas Stations
2x Points on Grocery Stores
1x Points on All Other Purchases
Intro Bonus Worth:
$100

Ongoing APR

21.24% - 29.24% (Variable)

Annual Fee

N/A

Intro bonus

N/A*

Rewards

5% Cash Back on Gas, Groceries & Utilities
1% Cash Back on All Other Purchases

Ongoing APR

28.99% Variable

Annual Fee

$95

Intro bonus

N/A*

Rewards

1% Cash Back on Eligible Gas, Grocery Purchases and Mobile, Internet, Cable and Satellite TV Services

Ongoing APR

28.99% Variable

Annual Fee

$0

Intro APR

0% on Purchases and Balance Transfers for 15 months

Ongoing APR

19.99% - 29.99% (Variable)

Rewards

5% Cash Back on Hotels and Rental Cars Booked Through Capital One Travel
1.5% Cash Back on Every Purchase
Intro Bonus Worth:
$200

Annual Fee

$0

Intro APR

0% for 15 months on Purchases and Balance Transfers

Ongoing APR

19.24% - 29.24% (Variable)

Rewards

5% Cash Back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$200

Annual Fee

$0

Intro APR

0% for 18 months on Balance Transfers

Ongoing APR

19.24% - 29.24% (Variable)

Rewards

2% Cash Back on every purchase

Annual Fee

$0

Intro APR

0% on Purchases and Balance Transfers for 15 months

Ongoing APR

19.99% - 29.99% (Variable)

Rewards

8% Cash Back on Capital One Entertainment Purchases
3% Cash Back on Dining & Grocery Stores
3% Cash Back on Streaming Services & Entertainment
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$200

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on Gas, Groceries & Utilities

Ongoing APR

28.99% Variable

Annual Fee

$75 First year. $99 thereafter, billed monthly at $8.25

Intro APR

0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months

Ongoing APR

18.24% - 27.24% Variable APR

Rewards

5% Cash Back on everyday purchases at different places each quarter
1% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

N/A

Rewards

5% Cash Back on Hotels and Rental Cars Booked Through Capital One Travel
1.5% Cash Back on Every Purchase

Ongoing APR

30.74% (Variable)

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on All Purchases

Ongoing APR

28.99% Variable

Annual Fee

$39

Intro APR

0% Intro APR on Purchases and Balance Transfers for 15 months

Ongoing APR

17.24% - 28.24% Variable APR

Rewards

2% Cash Back on Gas Stations & Restaurants
1% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on Gas, Groceries & Utilities

Ongoing APR

28.99% Variable

Annual Fee

$75 First year. $99 thereafter, billed monthly at $8.25

Intro APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Ongoing APR

20.24%, 25.24%, or 29.99% variable APR

Rewards

2% Cash Rewards on Purchases
Intro Bonus Worth:
$200

Annual Fee

$0

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.

Cash back credit card basics

How cash back credit cards work

Cash back rewards are based on a percentage of qualified purchases. These percentages can vary from 1% to as high as 5%. Some issuers will provide a percentage for any purchase, whereas others will have varied percentages based on purchasing categories, such as groceries or gas.

Applying for a cash back card

Not only can a higher FICO Score potentially get you a better APR, it could also get you a better rewards card. If you have a fair FICO Score, you may still qualify for a cash back card, but working on your credit and FICO Score could help you get the cash back card you want.

Additional things to look for

Issuers can also incentivize with additional cash back rewards. There are some cash back cards that reward you when you purchase and when you pay your bill, and some issuing banks will reward you again if you deposit the cash back into a qualified checking or savings account. Others will also offer higher cash back percentages for purchases made at a specific brand or store, and these may also include an annual or member fee.

Maximizing cash back rewards
  • Know your FICO Score: When you know what FICO Score range you’re in it can help you stay on top of your credit and will keep you informed with what offers are best matched for you. With your FICO Score, you will know the factors impacting your credit, so that you have a smarter way of achieving the goals you set.
  • Pay your credit card bill on time: When you miss a payment, you may pay a late fee of up to $35. If you had cash reward credit card with 1% rewards, then you would have to spend $3,500 to receive $35 in cash rewards. Paying a late fee could negate your cash rewards quickly, and it can negatively impact your FICO Score.
  • Pay off your credit card bill every month: When you pay off your bill every month, you can avoid paying any interest charges and grow your cash rewards. Carrying a high balance could negate the rewards benefits you have accumulated, and even put you in the red. High balances could also affect your FICO Score negatively. If you had spent $1,000 on a cash back credit card with 1% rewards that had an average APR, and only paid the minimum payment of $25 when the bill was due, then the interest you pay for that month could be $15. In this case, the $10 cash back for spending the $1,000 would be wiped out and you would actually owe more because of the interest accrued.
  • Consider avoiding cash advances: Typically, there is a fee associated with cash advances. For example, an issuer may charge $10 or 5%, whichever is greater. If you took an advance of $100, 5% would be $5, and since it is the lower of the two, you would have to pay a fee of $10, which in this case turns out to be a 10% fee. You would then have to spend $1,000 on a 1% cash back card, just to get that $10 fee back.

Know more before you apply

See your FICO® ScoreΘ for free

Get your FICO® Score and Experian Credit Report along with the positive and negative factors impacting your credit.

Offers matched to you

We’ll help analyze your individual credit situation and match you to the best offers specifically for you.

Gain a trusted financial partner

Experian’s vast data assets and smart analytics power are available to you so you can be better at credit.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more