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
Discover it Card Apply Now
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% (V)*
$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
Discover it Card Apply Now
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Introductory Period Info
Reg. Rate
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% (V)*
$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® Dividend Platinum Select® Visa® Card - $100 Cash Back
Citi Dividend Platinum Select Visa - $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*
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
Introductory Period Info
Reg. Rate
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 - $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

Blue Cash Everyday® Card from American Express
Blue Cash Apply Now
  • Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
  • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
  • Terms and Restrictions Apply.
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases for 12 months
12.99% - 21.99% Variable
$0
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® Card from American Express credit card may be the answer. ...more info

TrueEarnings® Card from Costco and American Express
TrueEarnings Card from Costco Apply Now
  • 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
  • 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
  • Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon
  • The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members
  • Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
  • Terms and restrictions apply.
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases for 6 months
15.24% variable
No Annual Fee with your paid Costco Membership
Yes
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 6 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
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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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