Cash Back Rewards Credit Cards
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☉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
26 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.
Discover it® Cash Back
Intro APR
0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR
17.24% - 28.24% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Annual Fee
$0
Capital One SavorOne Cash Rewards for Good Credit
Intro bonus
N/A
Rewards
3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®), 3% Cash Back on popular streaming services and entertainment, 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases.
Ongoing APR
30.74% (Variable)
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
18.24% - 27.24% 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
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
30.74% (Variable)
Annual Fee
$39
Credit One Bank American Express® Unlimited Rewards Card
Intro bonus
N/A*
Rewards
Earn unlimited 1% cash back rewards on all purchases, terms apply
Ongoing APR
28.99% Variable
Annual Fee
$0
Terms Apply
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
30.74% (Variable)
Annual Fee
$0
Platinum Select Mastercard® Secured Credit Card
Intro bonus
N/A*
Rewards
Earn 1% Cash Back Rewards with First Progress! Make Payments, Earn Rewards.
Ongoing APR
19.24% Variable
Annual Fee
$39
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, Murphy USA and Walmart® fuel stations
Ongoing APR
18.99% or 29.99% (Variable)
Annual Fee
$0
First Latitude Platinum Mastercard® Secured Credit Card
Intro bonus
N/A*
Rewards
Earn 1% Cash Back Rewards with First Latitude! Make Payments, Earn Rewards.
Ongoing APR
24.49% Variable
Annual Fee
$25 Annual Fee for first year; after that $35 annually
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
28.24% Variable APR
Annual Fee
$0
Platinum Prestige Mastercard® Secured Credit Card
Intro bonus
N/A*
Rewards
Earn 1% Cash Back Rewards with First Progress! Make Payments, Earn Rewards.
Ongoing APR
15.24% Variable
Annual Fee
$49
Costco Anywhere Visa® Card by Citi
Intro bonus
N/A*
Rewards
Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 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
AT&T Points Plus® Card from Citi
Intro bonus
Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening
Rewards
Earn 3 ThankYou® Points per $1 spent at Gas Stations, 2 ThankYou® Points per $1 spent at Grocery Stores, 1 ThankYou® Point per $1 spent on all other purchases
Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening
Ongoing APR
21.24% - 29.24% (Variable)
Annual Fee
N/A
Credit One Bank Platinum X5 American Express® 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
28.99% Variable
Annual Fee
$95
Terms Apply
Credit One Bank® Secured Card
Intro bonus
N/A*
Rewards
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
Ongoing APR
28.99% Variable
Annual Fee
$0
Terms Apply
Capital One Quicksilver Cash Rewards Credit Card
Intro APR
0% on Purchases and Balance Transfers for 15 months
Ongoing APR
19.99% - 29.99% (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)
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Citi Custom Cash® Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
19.24% - 29.24% (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 $1500 on purchases in the first 6 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
Citi® Double Cash Card - 18 month BT offer
Intro APR
0% for 18 months on Balance Transfers
Ongoing APR
19.24% - 29.24% (Variable)
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Intro APR
0% on Purchases and Balance Transfers for 15 months
Ongoing APR
19.99% - 29.99% (Variable)
Rewards
3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®), 3% Cash Back on popular streaming services and entertainment, 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual Fee
$0
Credit One Bank® Platinum Visa® for Rebuilding Credit
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
28.99% Variable
Annual Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Terms Apply
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
18.24% - 27.24% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, 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 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
30.74% (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
28.99% Variable
Annual Fee
$39
Terms Apply
Discover it® Chrome
Intro APR
0% Intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR
17.24% - 28.24% 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
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
28.99% Variable
Annual Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Terms Apply
Wells Fargo Active Cash® Card
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
Earn unlimited 2% cash rewards on purchases
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
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.
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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.
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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
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Create and Match Now No thanks, I’ll apply now on the website.We’ve done the research so you don’t have to. Our technology works directly with financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. Our list is more personalized than other sites because we review lender requirements before showing you offers. We find your best matches using things like your credit profile and your spending habits.