cardratings.com 0% Balance Transfer for 12 Months - Discover More
0% Balance Transfer for 12 Months - Discover More

Featured Reward and Cash Back Credit Cards - Page 1

Cash back credit cards have become very popular with consumers during the past few years. Cash back cards give cardholders cash rebates just for using credit cards for everyday purchases, typically in the form of a check or account credit. It is not uncommon for cardholders to receive hundreds of dollars in cash during any given year! We are proud to offer consumer ratings of various types of cash back credit cards (see below), as well as consumer tips regarding cash back cards.

important noteImportant Consumer Notes! Consumer advocacy groups strongly suggest that you know what your 3 credit scores are when shopping for credit cards or any other type of loan. A high credit score is often the key to obtaining the most attractive credit cards (a credit score over 700 will increase your likelihood of getting approved for the best credit card rates, benefits, etc. Fortunately, you can easily obtain a free instant online copy of your 3 credit reports and instantly obtain your 3 credit scores for free through our website. Please note that if you purchase your 3 credit scores directly from each of the three major credit reporting companies, you will spend up to $44.40.


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Editor's Pick

discover credit card

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Discover® More Card - Apply Online

  • 5% Cashback Bonus ®* in categories that change four times a year
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • No Annual Fee
  • Online Account Access and Online Bill Payment
  • Increase, even double, your rewards when you redeem for gift cards or instant eCertificates from our 80 Cashback Bonus Partners

Card Details: Offers a 0% introductory rate for 12 months on Balance Transfers and a 0% introductory rate for 6 months on Purchases. Regular purchase APR from 10.99% - 18.99% (your actual rate depends on your credit rating and application review). Note! This card is not designed for applicants with poor or no credit. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Offered by Discover® Bank.

* View Discover® Card Rates, Fees, Rewards and Other Important Information.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
10.99% - 18.99% Fixed
Yes
3% ($10 min - $75 max)

5 star rating?

Editor's Pick

citi professional cash credit card

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Citi® Professional SM Cash Card - Apply Online

  • Earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals. Plus, earn 1% cash back on all other purchases.**
  • Online Expense Organizer - create customized reports for client billing, tax purposes, or reimbursement.
  • No annual fee and no redemption fees
  • Quarterly and Annual account summaries and categorized statements at no additional cost.
  • 24/7 Personal Business Assistant helps arrange business dining, travel, entertainment and outings
  • 0% APR on balance transfers for first 12 months

Card Details: 0% APR does not apply to purchases or cash advances, only balance transfers. Note! This card is not designed for applicants with poor or no credit. Issued by Citi USA, N.A.

* This offer is available to online applicants.

** Business purchases are defined as stand–alone office supply merchants that primarily sell stationery and office supplies for business consumption. Professional services are defined as stand-alone tax preparation, accounting, bookkeeping and legal services providers that provide their respective services to businesses. Purchases not eligible to receive the three points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. In addition, online, catalog, mail order and telephone purchases are not eligible to receive three points unless the merchants identify the transactions as being made at an office supply, tax preparation, accounting, bookkeeping or legal service provider.

Intro APR
Period
Transfer Fee
Credit Needed
0% BT
12 months
13.24% V
Yes
Waived

5 star rating?

discover open road credit card

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  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • No Annual Fee
  • Online Account Access and Online Bill Payment
  • Increase, even double, your rewards when you redeem for gift cards or instant eCertificates from our 80 Cashback Bonus Partners

Important Offer Notes: Offers a 0% introductory rate for 12 months on Balance Transfers and a 0% introductory rate for 6 months on Purchases. This offer is available to online applicants. Purchase APR is based on your credit rating and application review. We strongly suggest that you know what your 3 credit scores are prior to applying for any type of credit - click here for our free credit score offers.

* View Discover® Card Rates, Fees, Rewards and Other Important Information.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
10.99% - 18.99% Fixed
Yes
3% ($10 min - $75 max)

5 star rating?

Editor's Pick

american express credit card

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Blue Cash® from American Express - Apply Online

  • Up to 5% Cash Back with Unlimited Cash Rewards
  • Earn unlimited cash back
  • 0% Intro APR for 6 months
  • Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
  • No Annual Fee

Card Details: Cash advance APR: 22.49%. With Express Approval application process, your online application will be reviewed and processed in less than two minutes. Note! This card is not designed for applicants with poor or no credit.

We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Offered by American Express.

Intro APR
Period
Transfer Fee
Credit Needed
0%
6 months
12.49 - 17.49%
Yes
3% ($5 min - $99 max)

5 star rating?

Editor's Pick

capital one no hassle cash rewards credit card

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Capital One® No Hassle CashSM Rewards - Apply Online*

For people with excellent credit.

  • 25% annual bonus on the cash you earn during the year
  • 1% cash back on all purchases you make from day one
  • No limit on cash back and rewards won't expire for the life of your account
  • 0% APR on purchases until September 2008. After that, variable APR, currently 13.4%
  • Request your cash back rewards whenever you want
  • No annual fee or balance transfer fees

* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Intro APR
Period
Transfer Fee
Credit Needed
0%*
September 2008*
13.4% V*
Yes*
None*

5 star rating?

Editor's Pick

discover motiva credit card

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Discover® Motiva Card - Apply Online

  • The first card with cash rewards for good credit management
  • Automatically get a Pay-On-Time BonusSM equal to a full month's interest each time you make 6 on-time payments in a row—twice a year, every year*
  • 5% to 20% Cashback Bonus at top retailers through the exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases automatically
  • More ways to earn cash – than anyone else
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from over 80 Cashback Bonus Partners
  • No Annual Fee

Card Details: Standard Rate 10.99% - 18.99% purchase APR (your rate will depend on your credit rating and application review). Balance transfer fee of 3% with a minimum of $10 to a maximum of $75. Note! This card is not designed for applicants with poor or no credit. Offered by Discover® Bank.

We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers).

* View Discover® Card Rates, Fees, Rewards and Other Important Information.

Intro APR
Period
Transfer Fee
Credit Needed
3.9% BT
Until 2010*
As low as 10.99%
Yes
3% ($10 minimum; $75 maximum)

5 star rating?

Editor's Pick

citi professional mastercard

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Citi® ProfessionalSM Card with Thank YouSM Network- Apply Online

  • Apply online and earn 10,000 bonus points after first purchase, redeemable for a $100 gift card.
  • Earn 3 ThankYou Points® for every dollar spent at restaurants, gas stations, certain office supply merchants and auto rentals.
  • Earn 1 ThankYou Point® for every dollar spent on all other purchases.
  • Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.
  • Free bill payment and expense reporting tool. Use your statement to create customized reports for specific clients or business trips.
  • No annual fee. No balance transfer fee with this offer.*

Card Details: 0% APR on balance transfers for 9 months for balances transferred in response to this online offer. The standard balance transfer APR applies after the 9 month introductory period. Click here for other variable rate information. Note! This card is not designed for applicants with poor or no credit. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Issued by Citi (South Dakota), N.A.

Intro APR
Period
Transfer Fee
Credit Needed
0% on BT
9 months
13.24% V
Yes
No

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Editor's Pick

capital one no hassle cash rewards credit card

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Capital One® No Hassle PointsSM Rewards - Apply Online*

For people with excellent credit.

  • Earn 2 points per dollar spent at gas stations, major grocery and drug stores
  • 1 point for every dollar spent on other purchases
  • 0% APR on purchases until September 2008. After that, variable APR, currently 13.4%
  • Points won't expire for the life of your account and there's no limit to the number of points you can earn
  • No annual fee or balance transfer fees

* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Intro APR
Period
Transfer Fee
Credit Needed
0%*
September 2008*
13.4% V*
Yes*
None*

5 star rating?

Editor's Pick

Chase Freedom

Click here to apply now

Chase FreedomSM Cash Visa ® Signature- Apply Online*

  • Receive $50 after you make your first purchase
  • 3% Cash Back in your top 3 everyday spending categories
  • 1% Cash Back for every $1 you spend on all other purchases
  • Receive an extra $50 each time you save and redeem $200 in rewards

Card Details: This card is not designed for applicants with poor or no credit. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Issued by J.P. Morgan Chase & Co.

* This offer is available to online applicants.

Intro APR
Period
Transfer Fee
Credit Needed
N/A
N/A
17.49% V
Yes
3% ($5 min - $75 max)

5 star rating?

Editor's Pick

capital one no hassle cash rewards credit card

Click here to apply now

Capital One® No Hassle CashSM Rewards - Apply Online *

For customers with above average credit.

  • 25% annual bonus on the cash you earn during the year
  • 1% cash back on all purchases
  • No limit on cash back and rewards won't expire for the life of your account
  • 0% APR on purchases until September 2008. After that, variable APR, currently 16.9%
  • Request your cash back rewards whenever you want
  • No annual fee and no balance transfer fees

* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Intro APR
Period
Transfer Fee
Credit Needed
0%*
September 2008*
16.4% V*
Yes*
None*

Consumer Alert! If you occasionally carry a balance on your cards, you should avoid the allure of reward cards. Most reward cards have higher interest rates than traditional credit cards and some, particularly airline reward cards, have annual fees. Such disadvantages usually far outweigh any rewards you might earn.

5 star rating?

Editor's Pick

citi dividend platinum select

Click here to apply now

Citi® CashReturnsSM Card - Apply Online

  • Earn 5% cash back on ALL purchases for 3 months
  • Earn 1% cash back on ALL purchases and eligible cash advances after the first 3 months
  • NO limit and NO expiration on the amount of cash back you can earn
  • Checks will be sent automatically every time you earn $50 - no calling necessary
  • 0% APR* on balance transfers for 12 months
  • No annual fee

Card Details: Cash Advance APR is 22.24%. Foreign purchase transaction fee is 3%. Issued by Citi.

Intro APR
Period
Transfer Fee
Credit Needed
0% BT
12 months BT
9.99% V
Yes
3% ($5 mininimum)

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