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Personalized Cash
Back Calculator
Pick the right card for you using our personalized cash back calculator
Do you use your credit card frequently? If so, it makes sense to look into one that offers you cash back on your purchases. Cash-back credit cards generally reimburse you a certain percentage of what you buy, based on the category it falls into. For example, they might offer 1% cash back all purchases, but 5% cash back when you buy something in a specific category. Some cards provide bonuses for spending a certain amount within the first couple of months. A number of cash-back credit cards even offer a low or 0% introductory APR, which can make them especially attractive. To find the best card for you, see our Personalized Cash Back Calculator.
Cash Back Credit Card Reviews & Prices
Updated 06-18-2013
| Name & Card | Purchase APR | Cash Back | Annual Fee | Credit Needed
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Our Rating & Bottom Line | |
| BankAmericard Cash Rewards™ |  | 0% for 12 billing cycles, then 12.99%-22.99% variable | $100 cash back bonus after spending $500 in purchases in first 90 days. Earn 3% cash back on gas, 2% cash back on groceries, 1% cash back on other purchases. 0% Intro APR for balance transfers made in the first 60 days, then 12.99%-22.99% variable APR. | None | Excellent | Our Rating: Combines great cash back rewards with an Introductory APR offer; $100 bonus opportunity |
| Blue Cash Everyday® Card from American Express |  | 0% for 12 months, then 12.99%-21.99% Variable | 3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores; 1% cash back on other purchases | $0 | Excellent | Our Rating: Up to 3% cash back on everyday spending; $100 cash back bonus; unlimited cash back |
| Blue Cash Preferred® Card from American Express |  | 0% for 12 months, then 12.99%-21.99% Variable | 6% cash back at US supermarkets (up to $6K), 3% cash back on US gas & select US dept stores; 1% cash back on other purchases. | $75 | Excellent | Our Rating: Up to 6% cash back on everyday spending with unlimited cash back; $150 cash back bonus |
| Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR |  | 0% for the first 15 months, then 13.99%-22.99% | $100 cash back after spending $500 in first 3 months; 1% cash back on all purchases, 5% in rotating spending categories | None | Good | Our Rating: Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity |
| Name & Card | Purchase APR | Cash Back | Annual Fee | Credit Needed
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Our Rating & Bottom Line | |
| TrueEarnings® Card from Costco and American Express |  | 15.24% Variable | 3% cash back on US gas (including Costco, up to $4K/yr); 2% cash back at restaurants; 2% cash back on travel (including Costco); 1% cash back on other purchases | No Annual Fee with your paid Costco Membership | Excellent | Our Rating: No annual fee and a generous cash back rewards program make this a great choice for Costco members & others |
| Citi® Dividend Platinum Select® Visa® - $100 Cash Back |  | 0% for 12 months, then 12.99% - 22.99% (V) | 5% cash back per $1 spent in popular categories, 1% per $1 spent on all other purchases | $0 | Good | Our Rating: 12-month 0% APR intro and balance transfer APR period, $100 bonus after spending first $500, max of $300 cash back per year after $100 bonus |
| Discover it® Card |  | 0% for first 14 months, then 10.99% - 22.99% (V)* | 5% cash back on purchases within select categories; 1% on all other purchases | None | Good | Our Rating: Combines cash-back rewards with a 14-month 0% intro APR on purchases & balance transfers |
| UPromise World Mastercard® |  | 0% for 12 months, then 12.99% or 20.99% (Variable) | 4% cash back for eating at participating Upromise restaurants, 3% for gas at Exxon or Mobile, 2% for movies, 1% cash back on all other purchases | None | Excellent | Our Rating: Smart choice for those saving for college or who want to pay off a college loan; 0% APR for 12 months on purchases & balance transfers; $50 cash back after 1st use |
| Name & Card | Purchase APR | Cash Back | Annual Fee | Credit Needed
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Our Rating & Bottom Line | |
| Capital One® Cash Rewards for Newcomers |  | 24.9% (V) | 2% cash back for travel purchases, 1% cash back for all other purchases; no balance transfer fee | $0 | Average/ Limited | Our Rating: Earn cash back rewards while helping to build your credit history with automatic 3-bureau reporting. |
| Journey℠ Student Rewards from Capital One® |  | 19.8% variable | 1% cash back on all purchases | $0 | Average | Our Rating: Great choice for students, designed to help build good credit, cash back bonus for paying bill on time |
Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.
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