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Cash Back Credit Cards

Review and compare the best cash back credit cards you can get with your credit score. See the average and lowest credit scores approved for each credit card (a “0″ means we don’t yet have enough credit score approval data for that card.)

Discover it®

Great For: Cash back rewards in revolving categories like dining, travel or gas.

Credit Needed: Excellent

Average Approved Score: 711*

Lowest Approved Score: 676*

  • 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 charges 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 purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 14 Months 0% 14 Months 10.99% – 22.99%* Variable $0

Capital One® QuicksilverOneSM Cash Rewards Credit Card

Great For: Cash back rewards and low intro rates.

Credit Needed: Fair

Average Approved Score: 618*

Lowest Approved Score: 563*

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until January 2015 N/A N/A 22.9%* Variable $39

Citi® Dividend Platinum Select® Visa® Card

Great For: Online rewards program that rotates categories quarterly.

Credit Needed: Excellent

Average Approved Score: 712*

Lowest Approved Score: 656*

  • 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 APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*

Capital One® Quicksilver® Cash Rewards Credit Card

Great For: Cash back with customized ways to redeem your rewards.

Credit Needed: Excellent

Average Approved Score: 714*

Lowest Approved Score: 642*

  • One-time $100 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 and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until January 2015 0% until January 2015 12.9% – 22.9%* Variable $0

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn Rewards faster!
  • Up to 10% back quarterly in popular categories
  • Up to 5% back on Ace purchases
  • 2% back on gas and groceries
  • 1% in Rewards everywhere else Visa is accepted
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 13.99% – 23.99% Variable $0

The L.L. Bean Visa Card

Great For: Earning rewards on all L.L.Bean purchases with no annual fee.

Credit Needed: Good

Average Approved Score: 663*

Lowest Approved Score: 621*

  • No Annual Fee
  • Earn 3% rewards on L.L.Bean purchases
  • Earn 1% rewards on all other purchases
  • Receive $10 L.L.Bean Coupons as you earn them
  • Enjoy free returns and free monogramming at L.L.Bean
  • Please see terms and conditions for complete detail
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 13.99% – 19.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • You can earn 10% or more cash back on eligible online purchases through Upromise
  • Start with a $50 cash back bonus after first use
  • Earn 4% back at thousands of participating Upromise dining restaurants
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back everywhere else
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 12.99% or 20.99%* Variable $0

Credit Needed: Good

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn a $25 Gift Card after your fist purchase
  • Get a 5% Back at Barnes & Noble
  • Earn 1 point per $1 spent on everything else
  • Every time you reach 2,500 points, you'll automatically receive a $25 B&N Gift Card
  • No Annual Fee
  • Plus see terms and conditions for complete details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 13.99% - 24.99%* Variable $0

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.

*Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.