- Who: Consumers interested in cash rewards who have a good credit score and pay their balance in full each month
- Why: You can earn a 1-5% cash back rebate just for using a credit card to pay for everyday purchases
- Drawbacks: Cash back reward cards may not be the best credit cards if they have higher interest rates than credit cards without a reward program.
Cash Back Credit Cards
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
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | None | 12.99 - 22.99% Variable | Yes | 5% ($10 minimum) | Excellent |
Capital One® No Hassle CashSM Rewards
- 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
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - Purchases Only | Until August 2011 | 14.9% V | Yes | None* | Excellent |
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
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0%* | 12 months on balance transfers; 6 months on Purchases | 12.99 - 22.99% Variable | Yes | 5% ($10 minimum) | Excellent |
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
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 15 months - BT | 11.99% - 20.99% V | Yes | 4% | Excellent |
Blue Cash(R) from American Express
- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Receive your cash back automatically as a statement credit
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 months | 17.24%-21.24% Variable | Yes | N/A | Good |
Capital One® No Hassle CashSM Rewards - Average
- 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
- Get your cash back whenever you want
- 0% intro APR on purchases until May 2011
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - Purchases Only | Until May 2011 | 19.8% V | Yes | None* | Average |
Citi® Dividend Platinum Select® MasterCard®
- 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
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 15 months - BT | 12.99 - 20.99% Variable | Yes | 4% ($5 minimum) | Good |
PenFed VISA Platinum Gas / Cash Rewards Card
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- Up to $50,000 Limit
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 4.99% or 6.99% - BT | 24 months | 13.99% V | Yes | Waived Until 6/30/10 | Excellent |
True Earnings(R) Card from Costco and American Express
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 months on purchases | 15.24% Variable | N/A | *See Terms | Good |
Citi Forward® for College Students
- No Cosigner required
- APR reduction on purchases when using credit wisely
- 100 ThankYou Points each billing period that you pay on time and stay under your credit line
- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% if you qualify* | 12 months on Balance Transfers; 7 months on Purchases | 12.99-19.99% Variable | Yes | 4% ($5 min)* | Limited |
Iberiabank Visa® Gold
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1% in cash back credit on all qualifying purchases
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 1.99% BT | 6 Months | 9.25 - 15.25% V | Yes | 2% | Excellent |







