Cash Back Credit Cards

How would you like to earn cash back for everything you buy? Cash back credit cards can make this a reality, as they give you a percentage back in cash for purchases you make with the card. Some earn a flat cash back rate for everything you buy, while others earn up to 6% back for certain types of purchases, like groceries. Plus, most of the cards we review offer intro bonuses of at least $100 for spending a certain amount on purchases in the first few months. The majority of these cards also have a 0% intro APR for a year or longer, which makes them even more attractive. See our cash back credit card list below, and click "Apply Now" to connect with any of our partners.

Updated 01-16-2019

Cash Back Credit Cards Comparison Chart

Name & CardPurchase APRCash BackAnnual FeeCredit Needed
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Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Bank of America® Cash Rewards credit card
0% Introductory APR on purchases for 12 billing cycles, then 16.24% - 26.24% Variable APR on purchases$150 online cash rewards bonus offer; Earn 3% on the category of your choice (there are 6 to choose from), 2% back at wholesale clubs & grocery stores (up to $2,500 your choice category/wholesale club/grocery store quarterly purchases), 1% back on other purchases$0Excellent/Good $150 online bonus after you spend at least $500 on purchases in the first 90 days of account opening; 3% on the category of your choice (there are 6 to choose from), 2% at wholesale clubs and grocery stores; introductory 0% APR offer for 12 billing cycles
Capital One® Savor® Cash Rewards Credit Card
16.74% - 25.74% (Variable).Earn an unlimited 4% back on dining out and entertainment, 2% back at grocery stores, and 1% back on all other purchases; $500 cash back after you spend $3000 on purchases within 3 months from account opening$0 intro for first year; $95 after thatExcellent, Good Huge $500 bonus opportunity; An unlimited 4% on dining out and entertainment as well as 2% cash back at grocery stores
Wells Fargo Cash Wise Visa® Card
0% intro APR for 12 months, then 16.24%-27.24% (variable)Earn $200 bonus after spending $1,000 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases$0 Excellent / Good $200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Wells Fargo Propel American Express® Card
0% intro APR for 12 months, then 14.74%-27.24% (variable)Earn 30,000 bonus points (redeemable for $300 cash back) after spending $3,000 on purchases in the first 3 months; Earn 3X on travel, eating out and ordering in and gas station purchases — redeemable for cash back & more$0Excellent / Good 30,000-point bonus opportunity (worth $300 in cash); Earn 3X at gas stations, on travel (including rideshares & transit) purchases, as well as popular streaming services, eating out and ordering in; 12-month 0% intro APR on purchases & balance transfers
Name & CardPurchase APRCash BackAnnual FeeCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Blue Cash Everyday® Card from American Express
0% on purchases for 15 months, then 15.24%-26.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 15 months, then 15.24%-26.24% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 27.49% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
Earn 3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores, 1% cash back on other purchases. $150 bonus after spending $1K in first 3 mos. Terms apply.$0Good, Excellent $150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
Discover it® Cash Back
0% for 14 months, then 14.24% - 25.24% VariableMatches your cash back at end of 1st year; 5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases$0Excellent, Good, Average 14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year
Citi® Double Cash Card
15.74% - 25.74%* (Variable)Earn 2% cash back on all purchases (1% when you make a purchase, plus another 1% when you ​pay for the purchase) $0*Excellent, Good Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 18-month 0% intro APR on balance transfers*
Blue Cash Preferred® Card from American Express
0% on purchases for 12 months, then 15.24%-26.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 12 months, then 15.24%-26.24% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 27.49% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
Earn 6% cash back at U.S. supermarkets (up to $6,000), 3% back at U.S. gas stations and 1% back on other purchases. $200 intro bonus after spending $1,000 in first 3 months. Terms apply.$95Good, Excellent 6% cash back at U.S. supermarkets on up to $6,000 in purchases; $200 intro bonus; Terms apply.
Name & CardPurchase APRCash BackAnnual FeeCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Chase Freedom Unlimited®
0% Intro APR on Purchases for 15 months, then 16.99% - 25.74% variableEarn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, Unlimited 1.5% cash back$0Good Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity
Chase Freedom®
0% Intro APR on Purchases for 15 months, then 16.99% - 25.74% variableEarn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Unlimited 1% cash back on all other purchases. $0Good Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
Capital One® SavorOne℠ Cash Rewards Credit Card
0% intro on purchases for 15 months, then 15.24% - 25.24% (Variable).Earn 3% back on dining out and entertainment, 2% back at grocery stores, and 1% back on all other purchases; $150 cash back after you spend $500 on purchases within 3 months from account opening$0Excellent, Good Good pick if you dine out and shop at grocery stores frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases
Capital One® Quicksilver® Cash Rewards Credit Card
0% intro on purchases for 15 months, then 15.24% - 25.24% (Variable)$150 cash back after you spend $500 on purchases within 3 months from account opening, 1.5% cash back on all purchases$0Excellent, Good 1.5% cash back on all purchases; 15-month 0% intro APR on purchases & balance transfers; $150 bonus opportunity
Name & CardPurchase APRCash BackAnnual FeeCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
U.S. Bank Cash 365 American Express® Card
16.24% - 25.74%* (Variable)
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0*
  • Purchase APR: 16.24% - 25.74%* (Variable), depending on credit history.
  • Balance Transfer APR: 0%* intro on BTs for 12 billing cycles on Balance Transfers* made in the first 60 days, then 16.24% - 25.74%* (Variable)
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • *Terms and Conditions
Earn $150 bonus after spending $500 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases$0*Excellent Credit $150 bonus opportunity, earn 1.5% back on all purchases, 12-month 0% intro APR on balance transfers.
NHL® Discover it®
0% for 14 months, then 14.24% - 25.24% Variable5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases$0Excellent, Good, Average Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
U.S. Bank Cash+ Visa Signature® Card
16.24% - 25.74%* (Variable)
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0*
  • Purchase APR: 16.24% - 25.74%* (Variable), depending on credit history.
  • Balance Transfer APR: 0%* intro on BTs for 12 billing cycles on Balance Transfers* made in the first 60 days, then 16.24% - 25.74%* (Variable).
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • *Terms and Conditions
$150 back after spending $500 on purchases in first 90 days; 5% on first $2K in combined purchases each quarter in 2 categories you choose; 2% on 1 category of choice; 1% back on everything else. $0*Excellent Credit Get cashback on what you want with this flexible card; $150 bonus opportunity; plus a 12-month 0% APR on balance transfers
Discover it® chrome
0% for 14 months, then 14.24% - 25.24% Variable2% cash back on up to $1,000 quarterly in combined purchases at gas stations and restaurants; 1% on all other purchases$0Excellent, Good, Average Double your cash back at end of 1st year; Cash back rewards without registering quarterly; 14-month 0% intro APR on purchases & balance transfers
Name & CardPurchase APRCash BackAnnual FeeCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
HSBC Cash Rewards Mastercard® credit card
Variable APR of 15.24%, 19.24% or 25.24% will be applied
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0.
  • Purchase APR: Variable APR of 15.24%, 19.24% or 25.24% will be applied.
  • Balance Transfer APR: 0% Introductory APR on balance transfers for the first 15 months from account opening, then Variable APR of 15.24%, 19.24% or 25.24% will apply after the Introductory Period.
  • Balance Transfer Fee: Either $10 or 4%, whichever is greater.
  • Foreign Transaction Fee: None.
  • Terms and Conditions
$150 bonus after spending $2,500 in first 3 months. Earn unlimited 1.5% on all purchases$0Good, Excellent $150 bonus opportunity; 10% anniversary bonus each year; 15-month 0% intro APR on balance transfers
Costco Anywhere Visa® Card by Citi
17.49%* (Variable)4% cash back on US gas (up to $7K/yr); 3% cash back at restaurants and on eligible travel; 2% on Costco purchases; 1% cash back on other purchases.$0 with your paid Costco membershipExcellent No annual fee and a generous cash back rewards program make this a great choice for Costco members.
Capital One® QuicksilverOne® Cash Rewards Credit Card
26.96% (Variable)Unlimited 1.5% cash back on all purchases$39Average, Fair, Limited Smart pick for those with average credit; 1.5% cash back on all purchases
Journey® Student Rewards from Capital One®
26.96% (Variable)1% cash back on all purchases$0Average, Fair, Limited 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.

*See credit card application page for additional details.


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