Cash Back Credit Cards
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Cash Back Credit Cards

Cash back credit cards provide cardholders with cash rebates or rewards to cardholders for making purchases with their cards. A cardholder has the ability to accumulate significant rebates over time based on the dollar amount of purchases made with the top card offers.

At CreditCardAssist.com, we strongly recommend that cash back cards are most suitable for cardholders who do not carry monthly balances. These type of cards typically have higher APR's (roughly 1% higher) compared to standard platinum cards. If you carry a monthly balance, the higher interest rate on these cards will more than offset the rebate that you'll receive and you'll end up paying back the rebate in the form of higher interest charges to the card issuer.

We have listed a variety of the very best cash back credit cards available below.

Editor’s Pick
Discover it® Card
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% Variable*
$0
Yes*
Excellent*

Editor's Review: The Discover it® Card offers cardholders an attractive 0% APR on purchases and balance transfers for a full 14 months, a very attractive feature that establishes it as one of the best balance transfer offers currently available in the marketplace ...more info

Discover it® Card
  • 0% intro APR on purchases & balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 18 months on balance transfers. 0% Intro APR for 6 months on purchases.
10.99% - 22.99% Variable*
$0
Yes*
Excellent*

Editor's Review: This Discover it® Card is a cash rewards card that comes with one of the most attractive balance transfer features available for NEW card customers only: an 18-month 0% Introductory APR on balance transfers. ...more info

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points
  • Earn 20,000 bonus ThankYou Points after $1500 in card purchases within 3 months of account opening - enough for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0%* for 12 months on Purchases and Balance Transfers
12.99%-22.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi ThankYou® Preferred Card lets cardholders earn unlimited points for everyday purchases, plus bonus points after making a specified amount in purchases within the first 3 months of the account opening ...more info

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 in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 - 9/30/14
  • 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
Introductory Period Info
Regular APR
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 12 months on Balance Transfers and Purchases*
12.99%-22.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi® Dividend Platinum Select® Visa® Card is designed primarily as a cash back credit card for people with good credit. The card also features a 0% APR on both purchases and balance transfers for the first 12 months*. ...more info

 

Featured Blog Content

Is Your Cash Back Card a Scam?No incentive is more enticing than cold, hard cash. People have been known to gamble their life’s savings away for the mere chance to hit it rich. People straight-up kill for cash. The idea of an allowance motivates kids to do something that's fundamentally at odds with their nature: chores. Our intrinsic love of money […]

Normally, a cash back card will have a rebate of around 1%, which is the industry standard. While you search and compare for the best cashback cards, you might be wondering how all the card issuers can afford to do that. The retailers and merchants that you shop at are charged a fee for every purchase that you make with the card. So in essence, you are taking back a portion of that fee as your cash rebate.

However, since rebate programs still end up being pretty costly to the card issuers, some rebate credit cards will have an annual fee, which can range from around $25 to as much as $100, which will be incurred after you apply and are approved for the card.

Some cards will offer a higher rebate percentage with increased card usage and still other cards will offer you a higher cashback percentage at select merchants, such as gas stations, supermarkets and select retailers. Be mindful, however, that most cash back cards typically only offer cash back on purchases, not on balance transfers or cash advances.

So if you are vigilant about paying off your monthly card balance, a cash back credit card can earn cardholders a significant amount of money over time.

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