Cash Back Rewards Credit Cards
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30 Card Offers
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.
Luxury Card™ Mastercard® Gold Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
15.24% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 2% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com
Annual Fee
$995
Petal® 1 "No Annual Fee" Visa® Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
20.24% - 29.74% Variable
Annual Fee
$0
Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit
Intro bonus
N/A*
Rewards
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Ongoing APR
24.24% Variable
Annual Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Journey Student Rewards from Capital One
Intro bonus
N/A*
Rewards
1% Cash Back on all purchases, 0.25% Cash Back bonus on the cash back you earn each month you pay on time, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Upgrade Visa® Card with Cash Rewards
Intro bonus
N/A*
Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Ongoing APR
8.99% - 29.99%
Annual Fee
$0
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Terms Apply.
Ongoing APR
24.24% Variable
Annual Fee
$95
Capital One Walmart Rewards® Mastercard®
Intro bonus
N/A*
Rewards
5% Cash Back at Walmart.com, including Pickup and Delivery, 2% Cash Back at restaurants and on travel, 2% Cash Back in Walmart stores and at Walmart and Murphy USA Fuel Stations, 1% cash back everywhere else Mastercard® is accepted
Ongoing APR
17.99% - 26.99% (Variable)
Annual Fee
$0
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Earn unlimited 1% cash back rewards on all purchases, terms apply
Ongoing APR
24.24% Variable
Annual Fee
$39
Luxury Card™ Mastercard® Black Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
15.24% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 1.5% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com.
Annual Fee
$495
Discover it® Cash Back
Intro APR
0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR
12.24% - 23.24% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Annual Fee
$0
Capital One Quicksilver Cash Rewards Credit Card
Intro APR
0% on Purchases and Balance Transfers for 15 months
Ongoing APR
15.24% - 25.24% (Variable)
Rewards
1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Intro bonus
N/A*
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Ongoing APR
14.74% - 24.74% (Variable)
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Intro APR
0% on Purchases and Balance Transfers for 15 months
Ongoing APR
15.24% - 25.24% (Variable)
Rewards
3% Cash Back on dining and entertainment, 3% Cash Back on popular streaming services, 3% Cash Back at grocery stores, 1% Cash Back on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual Fee
$0
Discover it® Student Cash Back
Intro APR
0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months
Ongoing APR
13.24% - 22.24% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Chase Freedom Unlimited®
Intro APR
0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR
15.24% - 23.99% Variable
Rewards
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Annual Fee
$0
Luxury Card™ Mastercard® Titanium Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
15.24% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 1% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com
Annual Fee
$195
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Earn unlimited 1% cash back rewards on all purchases, terms apply
Ongoing APR
24.24% Variable
Annual Fee
$0
Mission Lane Cash Back Visa®
Intro bonus
N/A
Rewards
Enjoy Unlimited 1.5% Cash Back on all Purchases
Ongoing APR
26.99% Variable
Annual Fee
$0
Capital One Quicksilver Cash Rewards for Good Credit
Intro bonus
N/A
Rewards
1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Credit One Bank® Cash Back Rewards Credit Card
Intro bonus
N/A*
Rewards
Automatically earn 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Ongoing APR
24.24% Variable
Annual Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Capital One Quicksilver Secured Cash Rewards Credit Card
Intro bonus
N/A*
Rewards
1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Chase Freedom Flex℠
Intro APR
0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR
15.24% - 23.99% Variable
Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Annual Fee
$0
Revvi Visa® Unsecured Credit Card
Intro bonus
N/A
Rewards
Earn 1% Cash Back on payments and redeem for statement credits.
Ongoing APR
34.99%
Annual Fee
See terms*
Discover it® chrome
Intro APR
0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR
12.24% - 23.24% Variable APR
Rewards
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Capital One QuicksilverOne Cash Rewards Credit Card
Intro bonus
N/A*
Rewards
1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Ongoing APR
26.99% (Variable)
Annual Fee
$39
Discover it® Secured Credit Card
Intro bonus
Discover will match all the cash back you’ve earned at the end of your first year
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Ongoing APR
23.24% Variable APR
Annual Fee
$0
Wells Fargo Active Cash® Card
Intro APR
0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR
15.74%, 20.74%, or 25.74% Variable APR
Rewards
Earn unlimited 2% cash rewards on purchases
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Annual Fee
$0
Capital One SavorOne Cash Rewards for Good Credit
Intro bonus
N/A
Rewards
3% Cash Back on dining and entertainment, 3% Cash Back on popular streaming services, 3% Cash Back at grocery stores, 1% Cash Back on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Citi Custom Cash℠ Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
14.74% – 24.74% (Variable)
Rewards
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Discover it® Student chrome
Intro APR
0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months
Ongoing APR
13.24% - 22.24% Variable APR
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
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.
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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
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