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.

 Citi® Dividend Platinum Select® Visa® Card 
 

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
  
 Intro Purchase APR
0%* for 12 Months*
Intro Balance Trans. APR
0%* for 12 Months*
APR
12.99% – 22.99%* Variable
Annual Fee
$0*
 




 Discover it® - 18 Month Balance Transfer 
 

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
  
 Intro Purchase APR
0% for 6 Months*
Intro Balance Trans. APR
0% for 18 Months*
APR
10.99% – 22.99%* Variable
Annual Fee
$0
 




  
 

      
     Intro Purchase APR
    N/A*
    Intro Balance Trans. APR
    N/A*
    APR
    Annual Fee
     




     USAA Cash Rewards® American Express® Card 
     

    • Earn up to 2.25% cash back on gas and grocery purchases.
    • Earn up to 1.25% cash back for all other purchases.
    • 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 caps or limits on the amount you can earn.
    • Your cash rebate is awarded every January for the purchases made the previous 12 months.
    • No annual fee and no minimum finance charge.
    • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
    • If you are not eligible, USAA credit cards and other products may still be available.
      
     Intro Purchase APR
    N/A*
    Intro Balance Trans. APR
    N/A*
    APR
    9.90%-25.90% (Variable)
    Annual Fee
    $0
     




      
     

        
       Intro Purchase APR
      N/A*
      Intro Balance Trans. APR
      N/A*
      APR
      Annual Fee
       




        
       

          
         Intro Purchase APR
        N/A*
        Intro Balance Trans. APR
        N/A*
        APR
        Annual Fee
         




         Barclaycard® Rewards MasterCard® - Average Credit 
         

        • No annual fee
        • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
        • Use the points you earn like cash to pay for almost any purchases you've made.
        • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
        • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
        • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
          
         Intro Purchase APR
        N/A*
        Intro Balance Trans. APR
        N/A*
        APR
        24.99%* (Variable)
        Annual Fee
        $0
         



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        Rating: 4.9/5 (8 votes cast)
        Cash Back Credit Cards, 4.9 out of 5 based on 8 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.