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Review featured cards from our partners below.Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
State
Rewards
Features
Issuers
13.49% - 24.49% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
2% cash back at gas stations & restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Balance Transfer
13.49% - 24.49% Variable
Credit Needed
Excellent, Good, Very Good
15.49% – 25.49% (Variable)
Intro APR: 0% for 18 months on Balance Transfers
$0
Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
Balance Transfer
15.49% – 25.49% (Variable)
Credit Needed
Excellent, Good, Very Good
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Balance Transfer
N/A
Credit Needed
Fair, Poor
13.49% - 24.49% Variable
Intro APR: 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
$0
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Balance Transfer
13.49% - 24.49% Variable
Credit Needed
Excellent, Good, Very Good
13.74% - 23.74% (Variable)
Intro APR: 0% on Purchases for 12 months
$0
1.25x Miles per dollar on every purchase, every day
Balance Transfer
13.74% - 23.74% (Variable)
Credit Needed
Excellent, Very Good
14.49% - 23.49% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months
$0
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Balance Transfer
14.49% - 23.49% Variable
Credit Needed
Fair
20.24%
Intro APR: N/A
$0
1% unlimited cash back on all purchases
Balance Transfer
N/A
Credit Needed
Excellent, Fair, Good, Very Good
17.74% - 24.74% Variable
Intro APR: N/A
$149
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
Balance Transfer
17.74% - 24.74% Variable
Credit Needed
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Needed
Poor
13.49% - 24.49% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 14 months
$0
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
Balance Transfer
13.49% - 24.49% Variable
Credit Needed
Excellent, Good, Very Good
14.74% - 25.74% Variable
Intro APR: N/A
$0
Up to 1.5% cash back after making 12 on-time payments. 1% cash back on all purchases - right away.
Balance Transfer
N/A
Credit Needed
Fair, Good, Very Good
Balance Transfer
26.99% (Variable)
Credit Needed
Poor
11.65% - 27.65% Variable
Intro APR: N/A
$0
Earn 2x points per dollar for dining and gas, and 1x points on all other purchases
$25
Get 2,500 bonus points with your first purchase
Balance Transfer
11.65% - 27.65% Variable
Credit Needed
Excellent, Good, Very Good
Balance Transfer
26.99% (Variable)
Credit Needed
Fair
17.24%-26.24% Variable
Intro APR: N/A
$95
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Balance Transfer
17.24%-26.24% Variable
Credit Needed
Excellent, Good, Very Good
11.65% - 27.65% Variable
Intro APR: N/A
$0
Earn 3x points on dining, 2x points on gas and groceries, and 1x points on all other purchases
$25
Get 2,500 bonus points with your first purchase
Balance Transfer
11.65% - 27.65% Variable
Credit Needed
Excellent, Good, Very Good
16.99% - 26.49% (Variable)
Intro APR: 0% for 18 months on Purchases and qualifying Balance Transfers
$0
N/A
Balance Transfer
16.99% - 26.49% (Variable)
Credit Needed
Excellent, Good, Very Good
15.74% - 25.74% (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
1.5% Cash Back on every purchase, every day
$150
Earn $150 after you spend $500 on purchases within 3 months from account opening
Balance Transfer
15.74% - 25.74% (Variable)
Credit Needed
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Needed
Fair, Good, Poor
17.24%-26.24% Variable
Intro APR: N/A
$0 introductory annual fee for the first year, then $95.
Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on purchases.
Balance Transfer
17.24%-26.24% Variable
Credit Needed
Excellent, Good, Very Good
16.74% - 25.49% Variable
Intro APR: 0% Intro APR on Purchases and 0% Intro APR on Balance Transfers for 15 months
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
$150
Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
Balance Transfer
16.74% - 25.49% Variable
Credit Needed
Excellent, Good, Very Good
25.74% Variable
Intro APR: N/A
$39
Automatically earn 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
Balance Transfer
N/A
Credit Needed
Excellent, Fair, Good, Poor, Very Good
Balance Transfer
N/A
Credit Needed
Fair, Poor
17.74% - 24.74% Variable
Intro APR: N/A
$99
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
Balance Transfer
17.74% - 24.74% Variable
Credit Needed
Excellent, Good, Very Good
17.24%-26.24% Variable
Intro APR: N/A
$0
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Balance Transfer
17.24%-26.24% Variable
Credit Needed
Excellent, Good, Very Good
24.49% Variable
Intro APR: 10.99% on Balance Transfers for 6 months
$0
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, 1% unlimited cash back on all other purchases.
Balance Transfer
24.49% Variable
Credit Needed
Fair, Poor
Balance Transfer
N/A
Credit Needed
Fair, Good, Poor
15.49% - 27.49% (Variable)
Intro APR: 0% for 15 months on Purchases and qualifying Balance Transfers
$0
Earn unlimited 1.5% cash rewards on purchases
$150
Earn $150 cash rewards bonus after spending $500 in first 3 months
Balance Transfer
15.49% - 27.49% (Variable)
Credit Needed
Excellent, Good, Very Good
25.49% (Variable)
Intro APR: 0% for 9 months on Purchases and Balance Transfers
$0
Earn Cash Back TWICE! Earn 1% on purchases and an additional 1% as you pay for those purchases
Balance Transfer
25.49% (Variable)
Credit Needed
Good
Balance Transfer
N/A
Credit Needed
Fair, Good, Poor
14.49%-25.49% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% Cash Back at U.S. gas stations and 1% cash back on other purchases
$150
Earn $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Balance Transfer
14.49%-25.49% Variable
Credit Needed
Excellent, Good, Very Good
14.49% - 23.49% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months
$0
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Balance Transfer
14.49% - 23.49% Variable
Credit Needed
Fair
17.24%-26.24% Variable
Intro APR: N/A
$0
Earn 2 miles per dollar spent on purchases made directly with Delta and at US restaurants. Earn 1 mile on every eligible dollar spent on purchases.
Balance Transfer
17.24%-26.24% Variable
Credit Needed
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Needed
Excellent, Fair, Good, Poor, Very Good
14.49%-25.49% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
Unlimited 1.5% Cash Back on your purchases
$150
Earn 150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months.
Balance Transfer
14.49%-25.49% Variable
Credit Needed
Excellent, Good, Very Good
16.24% - 25.24% (Variable)
Intro APR: N/A
$0 intro for first year; $95 after that
4% Cash Back on dining, 4% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
$300
Earn $300 after you spend $3000 on purchases within the first 3 months from account opening
Balance Transfer
16.24% - 25.24% (Variable)
Credit Needed
Excellent, Very Good
See Rates & Fees
Intro APR: N/A
$250
Earn 4X Membership Rewards® pts at restaurants and U.S. supermarkets (up to $25K/year in purchases, then 1X), 3X Membership Rewards® pts on flights booked directly w/airlines or on amextravel.com
Balance Transfer
N/A
Credit Needed
Excellent, Good, Very Good
17.74% - 24.74% Variable
Intro APR: N/A
$95
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
$750
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Balance Transfer
17.74% - 24.74% Variable
Credit Needed
Excellent, Good, Very Good
13.65% - 27.65% Variable
Intro APR: N/A
$0
Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined and 2% cash back on your first $3,000 on supermarket purchases per year
Balance Transfer
13.65% - 27.65% Variable
Credit Needed
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Needed
Fair, Good, Poor
17.74% - 24.74% Variable
Intro APR: N/A
$69
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.
Balance Transfer
17.74% - 24.74% Variable
Credit Needed
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Needed
Fair, Good, Poor
Balance Transfer
23.99% (Variable)
Credit Needed
Good
N/A
Intro APR: N/A
$550
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel
Balance Transfer
N/A
Credit Needed
Excellent, Good, Very Good
16.74% - 25.49% Variable
Intro APR: 0% Intro APR on Purchases and 0% Intro APR on Balance Transfers for 15 months
$0
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
Balance Transfer
16.74% - 25.49% Variable
Credit Needed
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Needed
Fair, Good, Poor
13.65% - 27.65% Variable
Intro APR: N/A
$0
Earn 1.5% cash back on every purchase
Balance Transfer
13.65% - 27.65% Variable
Credit Needed
Excellent, Good, Very Good
17.49% - 24.74% (Variable)
Intro APR: N/A
$0 intro for first year; $95 after that
2x Miles per dollar on every purchase, every day
Balance Transfer
17.49% - 24.74% (Variable)
Credit Needed
Excellent, Very Good
See Rates & Fees
Intro APR: N/A
$150
Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours. Earn 3X Membership Rewards® points at restaurants worldwide.
Balance Transfer
N/A
Credit Needed
Excellent, Good, Very Good
13.49% - 24.49% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Balance Transfer
13.49% - 24.49% Variable
Credit Needed
Excellent, Good, Very Good
26.99% (Variable)
Intro APR: N/A
$39
1.5% Cash Back on every purchase, every day
Balance Transfer
26.99% (Variable)
Credit Needed
Fair
15.74% - 25.74% (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
3% Cash Back on dining, 3% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases
$150
Earn $150 after you spend $500 on purchases within 3 months from account opening
Balance Transfer
15.74% - 25.74% (Variable)
Credit Needed
Excellent, Good, Very Good
16.24% - 26.24% (Variable)
Intro APR: 0% for 12 months on Purchases and 0% for 21 months on Balance Transfers
$0
N/A
Balance Transfer
16.24% - 26.24% (Variable)
Credit Needed
Excellent, Good, Very Good
19.74% - 25.74% Variable
Intro APR: N/A
$0 - $99
Receive 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop. Terms apply.
Balance Transfer
N/A
Credit Needed
Excellent, Fair, Good, Poor, Very Good
Balance Transfer
8.65% - 25.65% Variable
Credit Needed
Excellent, Good, Very Good
26.99% (Variable)
Intro APR: N/A
$0
1% Cash Back on all purchases, 0.25% Cash Back bonus on the cash back you earn each month you pay on time
Balance Transfer
26.99% (Variable)
Credit Needed
Fair
Balance Transfer
N/A
Credit Needed
Fair, Good, Poor
Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where 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 terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
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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