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.)

Blue Cash Everyday® Card from American Express

Great For: Easy cash back rewards with no enrollment or rotating categories.

Credit Needed: Excellent

Average Approved Score: 734

Lowest Approved Score: 684

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  • 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.
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% on Purchases for 12 months N/A N/A 12.99% – 21.99%* Variable $0

Discover it®

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

Credit Needed: Excellent

Average Approved Score: 707

Lowest Approved Score: 674

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  • 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% cash back 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 Concierge℠ 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.
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® Cash Rewards

Great For: Cash back rewards and low intro rates.

Credit Needed: Fair

Average Approved Score: 617

Lowest Approved Score: 559

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  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • Earn unlimited cash back that doesn’t expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases until March 2014
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% until March 2014 N/A N/A 19.8%* Variable $39

Citi® Dividend Platinum Select® Visa® Card

Great For: Online rewards program that rotates categories quarterly.

Credit Needed: Excellent

Average Approved Score: 716

Lowest Approved Score: 651

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  • $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*
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*

TrueEarnings® Card from Costco and American Express

Great For: Cash back rewards on gas purchases, restaurants, travel and more.

Credit Needed: Excellent

Average Approved Score: 721

Lowest Approved Score: 655

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  • 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.
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% on Purchases for 6 months N/A N/A 15.24%* Variable No Annual Fee with your paid Costco Membership

Capital One® Cash Rewards - $100 Cash Back Bonus

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

Credit Needed: Excellent

Average Approved Score: 710

Lowest Approved Score: 640

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  • $100 bonus after you spend $500 on purchases within 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 back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR until June 2014 on purchases
  • 0% intro APR until June 2014 on balance transfers
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% until June 2014 0% intro until June 2014 12.9% – 20.9%* Variable $0

Capital One® Cash Rewards for Newcomers

Great For: Establishing credit while earning cash back rewards.

Credit Needed: Fair

Average Approved Score: 626

Lowest Approved Score: 590

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  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with responsible use--plus 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 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 24.9%* Variable $0

Blue Cash Preferred® Card from American Express

Great For: Easy cash back rewards with no enrollment or rotating categories.

Credit Needed: Excellent

Average Approved Score: 733

Lowest Approved Score: 682

Apply Now →

  • Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% 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 Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Terms and Restrictions Apply.
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% on Purchases for 12 months N/A N/A 12.99% – 21.99%* Variable $75

The L.L. Bean Visa Card

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

Credit Needed: Excellent

Average Approved Score: 653

Lowest Approved Score: 638

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  • 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 0% 12 Months 13.99% – 19.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 723

Lowest Approved Score: 675

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  • Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
  • 0% Introductory APR for 12 months on purchases
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 points per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 12 Months N/A N/A 14.99% – 24.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 0

Lowest Approved Score: 0

Apply Now →

  • No annual fee
  • Earn $50 cash back with your first purchase
  • With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard
  • Earn 4% back at thousands of participating Upromise dining restaurants
  • Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back everywhere else
  • Earn cash back on every purchase with no caps
  • 0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.
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

BankAmericard Cash RewardsTM Credit Card

Great For: Generous cash back on the things you buy most.

Credit Needed: Excellent

BankAmericard Cash Rewards

Apply Now →

  • Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
  • Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR
  • No annual fee
  • No rotating categories and your rewards do not expire
See Terms and Conditions accompanying application for additional offer details.
Intro APR, Purchases Intro APR, Balance Transfers Regular APR Annual Fee
0% for 12 billing cycles 0% for 12 billing cycles for balance transfers made in the first 60 days 12.99% - 22.99% Variable* on purchases & balance transfers None
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.