Cash Back Credit Cards


One of the most popular rewards that people like to earn with their credit cards is cash back. What’s not to like? Every time you use the card you get back a percentage of that money spent. There are several cash back credit cards available online, but not all are very good offers. We have done much of the research for you and have created a list of the Top 5 that we feel offer the greatest overall value to consumers. To determine our rankings we took into account the interest rates, if there was an annual fee or not, the amount of cash back being offered, and if there were any special promotions.

The banks are very competitive right now and that is a good thing for consumers. The cash back credit card offers that they have made available are the best in years. Some of these cards are even offering an additional bonus once you have spent a certain amount of money on the card. Please review our Top 5 Cash Back Cards list and select the card that is right for you.

 USAA Cash Rewards® American Express® Card 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
9.90%-25.90% (Variable)
Annual Fee
$0
 



 USAA Cash Rewards® Visa® 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
9.90%-25.90% (Variable)
Annual Fee
$0
 



 U.S. Bank FlexPerks® Select+ American Express® Card 
 

  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
0% for 9 billing cycles on Balance Transfers*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0
 



 U.S. Bank FlexPerks® Select+ American Express® Card 
 

  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
0% for 9 billing cycles on Balance Transfers*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0
 



 U.S. Bank FlexPerks® Travel Rewards American Express® Card 
 

  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0 for the first year, then $49*
 



 U.S. Bank FlexPerks® Travel Rewards American Express® Card 
 

  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0 for the first year, then $49*
 



 Journey® Student Rewards from Capital One®  
 

  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
19.8% (Variable)
Annual Fee
$0
 



 U.S. Bank Perks+ Visa Signature® Card 
 

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want — Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, and 5,000 points for cash back.
  • Additionally, 25,000 points may be redeemed for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.
  
 Intro Purchase APR
0%* for 12 billing cycles*
Intro Balance Trans. APR
0%* for 12 billing cycles*
APR
11.99% - 21.99%* (Variable)
Annual Fee
$0*
 



 U.S. Bank Perks+ Visa Signature® Card 
 

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns).
  • Earn 1 point for every net dollar spent on everything else.
  • Redeem for rewards you want — Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, and 5,000 points for cash back.
  • Additionally, 25,000 points may be redeemed for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee*.
  
 Intro Purchase APR
0%* for 12 billing cycles*
Intro Balance Trans. APR
0%* for 12 billing cycles*
APR
11.99% - 21.99%* (Variable)
Annual Fee
$0*
 



VN:F [1.9.22_1171]
Rating: 4.8/5 (9 votes cast)
Cash Back Credit Cards, 4.8 out of 5 based on 9 ratings

Best Cash Back Credit Card

With so many choices available, it can be hard to be sure that you are applying for the best card. Cash back has long been a favorite reward for many consumers. People are in love with the concept of earning cash which is why this type of reward with a credit card has been so popular. With that being said, we set out to create a listing of the best cash back credit cards that are available online. We took several things into consideration before we developed the rankings above. Due to the fact that there are several credit cards on the market that offer a wide range of rewards including cash back, we only chose cards that had cash as their primary reward. Introductory rates on purchases and balance transfers, on-going interest rates, and annual fees were also considered.

Cash Bonus Reward Offers for Applying

A newer feature available with some cards are the additional bonus cash being offered once you have spent a certain amount of money after you have received the card. We have found this to be a great way for the issuing banks to entice new cardholders to give their card a try. This is great for consumers because the spend amount needed to receive a $100 bonus is about $500 over a 3 month period. Most people can spend more than that with grocery purchases in 3 months. The type of consumer that usually applies for this type of card is a deal seeker. These bonuses are truly a great deal for making purchases that you would be making everyday.

2% - 5% Cash Back Credit Cards

You will be hard pressed to find a card that will offer you 2% - 5% cash back rebates on all purchases uncapped. The vast majority of offers are for a straight 1% earnings rate. There are now some really good products that are offering as high as 5%, but they are limited to certain purchasing categories. Those categories are usually groceries and gasoline, but some may offer them on home improvement, fitness, healthcare, and travel. Be aware that there is usually a limit on how much you can earn within a certain category within a certain time period. It is best to read the terms on the application if this is an important factor in deciding which card you want to apply for. When we determined our rankings we took the additional earnings into account, but ranked based on overall quality of the card.