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Cash back credit card offers from our partners

By Curtis Arnold Editor-in-chief, updated on April 1, 2015

Cash back credit card offers allow you to earn a percentage of your purchase amounts right back into your account. They are popular rewards cards for a very good reason: they pay you back based on the dollars you spend every day. Cash back rewards credit cards are a great way to save money as long as you stay within your budget and don't use them as a reason to spend more.

Compare your card and see how it stacks up
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BankAmericard Cash Rewards<sup>™</sup> Credit Card
About Our Ratings

BankAmericard Cash Rewards Credit Card

Editor's take by Curtis Arnold
  • Offers bonus cash-back rewards in popular categories
  • Recommended to people who use their card for gas and at grocery stores
Watch out for: Be mindful of the spending cap on bonus cash back
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> QuicksilverOne<sup>®</sup> Cash Rewards Credit Card
About Our Ratings

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
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Cashback on Gas 1.5%
Cashback on groceries 1.5%
Cashback on other 1.5%
Purchase APR 22.9% (Variable) 
Annual Fee $39
APPLY NOW Credit Needed Average/Fair/Limited
Blue Cash Preferred<sup>®</sup> Card from American Express
About Our Ratings

Blue Cash Preferred® Card from American Express

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
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Cashback on Gas 3% at US gas stations
Cashback on groceries 6% at US supermarkets up to $6,000 per year in purchases
Cashback on other 3% at select US dept stores, 1% on other purchases
Purchase APR 12.99% - 21.99% Variable
Annual Fee $75
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> Quicksilver<sup>®</sup> Cash Rewards Credit Card
About Our Ratings

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
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Cashback on Gas 1.5%
Cashback on groceries 1.5%
Cashback on other 1.5%
Purchase APR 12.9% - 22.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Chase Freedom<sup>®</sup>
About Our Ratings

Chase Freedom®

Editor's take by Curtis Arnold
  • Currently offering a sign-up bonus and no annual fee
  • Offers a long introductory period in addition to a solid rewards program
Watch out for: Watch out for the cap on bonus cash back and be sure to set reminders to sign up for bonus categories each quarter
APPLY NOW Credit Needed Good
Discover it<sup>®</sup> card
About Our Ratings

Discover it® card

  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 8,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
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Cashback on Gas 1%
Cashback on groceries 1%
Cashback on other Up to 5% cash back in categories that change after you sign up* and 1% cash back on all other purchases*
Purchase APR 10.99% - 22.99% Variable*
Annual Fee $0
APPLY NOW Credit Needed Excellent
Blue Cash Everyday<sup>®</sup> Card from American Express
About Our Ratings

Blue Cash Everyday® Card from American Express

  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
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Cashback on Gas 2% at US gas stations
Cashback on groceries 3% at U.S. supermarkets up to $6,000 per year in purchases
Cashback on other 2% at select US dept stores, 1% on other purchases
Purchase APR 12.99% - 21.99% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent
TrueEarnings<sup>®</sup> Card from Costco and American Express
About Our Ratings

TrueEarnings® Card from Costco and American Express

  • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
  • You will receive your cash back annually in the form of a reward coupon
  • The Two-In-One Card: it's an American Express® Card and Costco membership Card, with no annual fee for Costco members
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Cashback on Gas 3% US gas stations up to $4,000 per year in purchases. See details.
Cashback on groceries
Cashback on other 2% US restaurants and eligible travel; 1% other purchases. See details.
Purchase APR 15.24% variable
Annual Fee No Annual Fee with your paid Costco Membership
APPLY NOW Credit Needed Excellent
Visa<sup>®</sup> Black Card<sup>™</sup>
About Our Ratings

Visa® Black Card

  • Earn 25,000 Bonus Points when you spend $1,500 in the first 90 days* as part of our Industry - Leading Rewards Program.
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
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Cashback on Gas N/A
Cashback on groceries N/A
Cashback on other N/A
Purchase APR 14.99% Variable
Annual Fee $495
APPLY NOW Credit Needed Good
Credit Card Database

More about Cash back credit card offers

  • Is a cash back card best for me?
  • How much can I earn?
  • Are cash back cards a gimmick?
  • Choosing the best card

The most important thing to think about when you try to decide on the best credit card is your personal spending habits. If you are disciplined enough to pay your credit card bill each month and won't be tempted to spend more on your rewards credit card, a cash back card can be a good deal.

But if you have trouble staying within budget from time to time, or you carry a balance from month to month on your credit card, a cash back card may not be the best choice for you since these cards typically charge higher interest rates than non-rewards credit cards.

Can I qualify for a cash back rewards card?

A cash back rewards card typically requires good to excellent credit to qualify, among other  requirements as determined by each issuer. Before applying, get your free credit report and check it for black marks and errors.

If you have good credit, you may qualify for a cash back rewards card, but you should check the interest rate to make sure it is not too high in case you need to carry a balance. Generally, the cards with the best rewards are limited to customers with high credit scores along with meeting other credit criteria.

If you are ready to consider applying for a cash back credit card, compare the cash back credit card offers on this page to see which one is the best choice for you.

It all depends on your spending patterns and how well the card matches your lifestyle. Some cash back credit cards offer big incentives when you sign up, sometimes amounting to hundreds of dollars if you meet reasonable spending limits. Other cards offer as much as 5 percent on specific purchase categories.

Sometimes cash rewards can be converted to points, which can then be used for a wide variety of incentives, including retailer discounts or airline miles. This handy list of cash back credit cards is a good place to learn more.

Nope! The cash back programs are very real, and can reward you with a nice chunk of change with regular use of your card. However, keep in mind that cash back cards can have many limitations and caveats, so it pays to pay attention to that little notice that comes with your credit card statement. Don't forget to take a good look at the interest rates, too; cash back credit cards can have much higher interest rates than a regular card.

Each credit card company offers something a little different for cash back rewards, and often the amount you earn depends on what you are buying with the card. Cash back credit cards often give bonus points based on the category of your purchase. Some cards offer bonus cash back on particular purchase categories for a limited time. Choose the right card and pay attention to the ever-changing rules to get the most bang for your buck.  Here are some items to compare when you look at credit card offers with a cash back rewards program:

  • Choice of rewards: While cash may seem like all you want right now, some rewards credit cards offer you the option of switching your points to things like airline miles, gift cards or gas whenever you want.
  • Interest rate: If you plan to pay your bill in full each month, interest rates may be less of a factor in your decision. If you think you might have to carry a balance from time to time, be sure to compare the rates on various card offerings.
  • Bonus cash: Some companies offer a bonus for new customers who meet a certain spending minimum within the first few months.
  • Percent you can earn: Of course you want the card with the highest percentage of cash back rewards, but make sure these rewards are on the items you buy, like gas or groceries, and that you can meet the requirements to earn the maximum.

Before you choose your cash back credit card, make an estimate of how much you will charge and what you will purchase to figure out which cash back credit card matches your spending pattern best. Then estimate how much you will earn in cash back and compare that with the annual fee you'll pay for the card. Some cash back credit cards do not charge any annual fee.