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Cash Back Credit Cards

Review and compare the best cash back credit cards you can get with your credit score.

Credit Needed: Excellent, Good

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases — it's automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom® details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%15 Months 0%15 Months 14.24%-23.24% Variable $0

Credit Needed: Excellent

  • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on purchases & balance transfers for 12 months—then a variable purchase APR applies, currently 11.24% – 23.24%. A 3% fee applies to each transferred balance.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%12 months 0%12 months 11.24% – 23.24% Variable* $0

Credit Needed: Excellent, Good

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% intro on purchasesuntil November 2016 0% intro on balance transfersuntil November 2016 13.24% - 23.24% (Variable) $0

Credit Needed: Average, Fair, Limited

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until November 2016; 23.24% variable APR after that
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% intro on purchasesuntil November 2016 0% intro on balance transfersuntil November 2016 23.24% (Variable) $39

Credit Needed: Average, Fair, Limited

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 20.24% (Variable) $0

Credit Needed: Fair

  • 2X points on purchases for gas, groceries and utilities
  • 1X points on all other purchases
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
n/an/a n/an/a 25.24%* Variable $0

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About cash back credit cards

Cash back credit cards pay you a small percentage of your purchases each month. Usually, you can choose to redeem this cash back by getting a check, a credit on your statement, or by trading them for gift cards. Most cash back credit cards pay a fixed percentage on every dollar and then a promotional percentage on certain types of charges (for example, a card might pay more on money spent at gas stations — or a specific chain of stores during a particular season).

You can get more money back out of cash back credit cards if you choose one that pays a higher percentage of rewards on purchases you make more often.

Finally, cash back credit cards tend to have higher interest rates than credit cards that don’t pay rewards. Keep this in mind if you don’t pay your balance off in full each and every month. You may be wise to forgo a cash back credit and instead get a credit card that may not offer rewards but has a lower regular APR.