Cash Back Credit Cards

Cash Back Credit CardsThe following cash back credit cards feature reward programs that offer cash back or rebate incentives. Cash back credit card offers reward you for using them with cash back incentives and rebate programs. Credit cards with cash rebates and incentives usually require a good to excellent credit rating for approval.

9 Cash Back Credit Cards Available. Displaying Offers 1 - 9:

Citi® Dividend Platinum Select® MasterCard®  Editor's Choice

  • 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
  • Full 1% cash back on eligible purchases and cash advances.
  • Earn extra cash back on popular, rotating categories each quarter.
  • Average 5% additional cash back through Citi Bonus Cash Center®
  • No Annual Fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% N/A 12.99% - 20.99%* (Variable) None Yes Excellent Credit

Capital One® No Hassle Cash(SM) Rewards - Excellent Credit

  • 2% cash back on gas and groceries
  • 1% cash back on all other purchases
  • No limit on the cash you can earn and cash won't expire
  • Redeem cash rewards for statement credit, check or gift card
  • Get your cash back whenever you want, even set up automatic redemption
  • 0% intro APR on purchases until August 2011
  • No foreign transaction fees
  • No annual fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% on purchases until August 2011 14.90% (V) None Yes Excellent Credit

Discover® More Card

  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent Credit

Chase Freedom® MasterCard

  • 0% Intro APR and No Annual Fee
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% 6 months on Purchases* 12.99%-22.99% Variable* None Yes Excellent Credit

Discover® Open Road Card

  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • 0% intro APR on purchases for 6 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent Credit

Chase Sapphire(SM)

  • Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
  • Points never expire and there are no limits on how many points you can earn
  • 24/7 Dedicated service advisors (No voice recording)
  • Premier travel and purchase protection benefits
  • All of this for no annual fee!

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 12.24% Variable* None Yes Excellent Credit

Chase Freedom® Visa - $50 Bonus Cash Back

  • Earn $50 Bonus Cash Back after first purchase
  • 0% Intro APR and No Annual Fee
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% 6 Months on Purchases 12.99%-22.99% Variable* None Yes Excellent Credit

Discover® MotivaCard

  • Cash rewards for your good credit management
  • Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 3.99% intro APR on purchases for a full 12 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
3.99%* 12 Months* 11.99% - 20.99% (Variable)* None Yes Excellent Credit

Chase Freedom® Visa - $100 Bonus Cash Back

  • Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 12.99%-22.99% Variable* None Yes Excellent Credit

 

The Benefits of Cash Back Credit Cards

Cash back credit cards pay you a percentage rebate on the money you spend on the card.

Many cash back cards offer as high as a 5% cash back on purchases at supermarkets, drug stores, and gas stations, and 1% on all others. Other credit cards with cash back offers give 5% rebates on expenditures for auto repair, apparel, home improvement stores, and more.

A 5% cash back is equivalent to a 5% discount on your purchases. If you use a cash back credit card for most of your purchases and routine expenditures, that can turn into significant savings over the course of the year. To maximize earnings, many people like to get additional cards for family members, so that they receive cash back on all household expenditures.

In some cases, you don't earn the full cash back on your charges until after a certain amount of expenditures. Other cards put a limit on the maximum earnings you can accumulate in a year. The rewards on your cash back credit card may also expire after a certain number of months, or if you don't use your card for a period of time. The way your earnings are redeemed also varies from card to card. Read the terms of the card you apply for and make a note of the most important points, so you can follow up as needed.

Cash back credit cards are most profitable if you pay your card balance in full every month. If you intend to keep a balance on your card, you might prefer instead to find one that offers a low interest rate.

Some cash back credit cards also offer 0 apr for an introductory period or frequent flyer miles. Other kinds of cards offer different categories of rewards.

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