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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 credit 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 cashback credit cards are most suitable for cardholders who do not carry monthly balances. Cash back 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 credit 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
Citi Dividend Platinum Select Visa Card - $200 Cash Back
Citi Dividend Platinum Select Visa Card - $200 Cash Back Apply Now
  • $200 cash back after $500 in purchases within the first 3 months of account opening
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
  • 5% average cash back at select merchants through Citi Bonus Cash Center®
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
15.99% - 22.99%* (Variable)
$0*
Yes*
Excellent Credit*

Editor's Review: Citi Dividend Platinum Select Visa Card - $200 Cash Back is an excellent choice for people looking for outstanding cash back rewards ...more info

Capital One® Cash
Capital One Cash Apply Now
  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash rewards that don't expire
  • Redeem cash rewards anytime for any amount, even set up automatic redemption
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until February 2013
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% Intro on Purchases and Balance Transfers*
Until February 2013*
12.9% - 20.9% (V)*
$0*
Yes*
Excellent Credit*

Editor's Review: Capital One® Cash is a great card for individuals with excellent credit who are looking to earn unlimited cash back on their purchases. ...more info

Chase Freedom® Visa - $200 Bonus Cash Back
Chase Freedom - $200 Bonus Cash Apply Now
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
As Low As 15.99%*
$0*
Yes*
Excellent Credit*

Editor's Review: The Chase Freedom Visa - $200 Bonus Cash Back credit card is a limited-time-only cash rewards card that rewards cardholders with a cash back bonus on every purchase charged to the card. ...more info

Capital One® Cash Rewards for Newcomers
Capital One Cash Rewards for Newcomers Apply Now
  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • No annual fee
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
24.9% (V)*
None*
Yes*
Fair Credit*

Editor's Review: Capital One® Cash Rewards for Newcomers is an outstanding card offer for individuals with limited or average credit who want to build their credit and earn cash back on their purchases in the process. ...more info

Discover® More® Card
Discover More Apply Now
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S. based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alerts
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Balance Transfers, Purchases*
15 Months
10.99% - 20.99% (Variable)*
None*
Yes*
Excellent Credit*

Editor's Review: The Discover® More® credit card offers cardholders a cash back rebate on purchases of up to 1%, and an attractive 0% APR on purchases and balance transfers for a full 15 months, a very attractive feature that establishes it as one of the best balance transfer offers currently available in the marketplace ...more info

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
Citi Dividend World MasterCard - $100 Cash Back Apply Now
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Balance Transfers, Purchases*
12 Months*
12.99% - 22.99%* (Variable)
None*
Yes*
Good Credit*

Editor's Review: The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back 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

Citi ThankYou® Preferred Rewards Card - $250 in Gift Cards
Citi ThankYou Preferred Rewards Card Apply Now
  • $250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening.
  • Earn 1 point for every $1 you spend on all purchases
  • Receive an anniversary bonus every year you’re a cardmember
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
NA*
NA*
12.99%-22.99%* (Variable)
$0*
Yes*
Excellent Credit*

Editor's Review: For those who are looking for a rewards credit card that offers plenty of opportunities to earn bonus points, the Citi ThankYou(® Preferred Rewards Card - $250 in Gift Cards credit card may be just what you are looking for. ...more info

Blue Cash Everyday(SM) Card from American Express
Blue Cash Apply Now
  • No annual fee, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • NO spend minimum, NO enrollment, and NO rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
See Terms*
See Terms*
17.24%-22.24% Variable
No Annual Fee
Yes*
Excellent

Editor's Review: For those with good or excellent credit who are interested in a cash back credit card that offers more than just the standard 1 percent cash back, the Blue Cash Everyday(SM) from American Express credit card may be the answer. ...more info

Discover® More Card
Discover More Limited Time Apply Now
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S. based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alerts
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0%*
6 Months on Purchases, 18 Months on Balance Transfers*
10.99% - 20.99% (Variable)*
None*
Yes*
Excellent*

Editor's Review: This Discover® More® 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

Chase Freedom® Visa - $100 Bonus Cash Back
Chase Freedom - $100 Bonus Cash Apply Now
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent on gas stations and on Amazon.com from 1/1/12 – 3/31/12
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0%*
12 Months on Balance Transfers
11.99% - 22.99% (Variable*)
None*
Yes*
Excellent*

Editor's Review: The Chase Freedom(SM) Visa - $100 Bonus Cash Back card from Chase is designed for those who have excellent credit who are looking for a great cash back rewards program ...more info

Citi ThankYou(SM) Premier Card - Enough for $300 in Gift Cards
Citi ThankYou Premier Card Apply Now
  • Earn 30,000 bonus ThankYou(r) Points after $2,000 in purchases within 3 months of account opening - enough for $300 in gift cards
  • 1 ThankYou point for every dollar you spend on purchases
  • Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card
  • No foreign transaction fees on purchases*
  • Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives
  • No points cap and no expiration of points
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
13.99% - 22.99%* (Variable)
$125; waived for the first year*
N/A*
Excellent*

Editor's Review: The Citi ThankYou℠ Premier Card from Citibank is a rewards credit card that offers unlimited ThankYou Point rewards for everyday purchases with 30,000 ThankYou Points as a bonus after the cardholder makes at least $2,000 in purchases within the first 3 months of owning the card ...more info

TrueEarnings(R) Card from Costco and American Express
TrueEarnings Card from Costco Apply Now
  • American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
See Terms*
See Terms*
15.24% variable
See Terms*
N/A*
Excellent

Editor's Review: Teaming up with Costco, American Express provides great value to people with average credit with the TrueEarnings® Card. This credit card offers a a cash back rewards program that features no limit to the amount of cash rebates you can earn as well as a 0% introductory rate on all new purchases for the first 90 days. ...more info

 

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Best Cash Back Credit Card Offers - Reviews

Normally, a cash back credit card will have a rebate of around 1%, which is the industry standard. While you search and compare for the best cashback credit cards, you might be wondering how all the credit card companies 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 cashback rebate reward.

However, since rebate programs still end up being pretty costly to the credit card companies, 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 credit 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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