6 cash back credit cards for beginners

Written by
Brooklyn Lowery
Terms apply; see the online credit card application for full terms and conditions of offers and rewards. Please note: Any balance transfer savings vary depending upon account usage and payment behavior.

Points. Miles. Cashback.

Bonus categories. Rotating categories. Redemption options.

If you’re new to the world of credit card rewards programs, it can all be a bit overwhelming. We understand and we’re here to help.

Cash back is the simplest type of rewards program available. Simply put, you earn a rebate, or cash back, on each eligible purchase you make. You can earn as little as 1% back or much, much more on each purchase, depending on the card you use. This cash back is often applied as a statement credit on your account. But in some cases, it can be deposited into your bank account, redeemed in the form of a gift card or to pay for merchandise, or even converted into travel rewards.

So, what is the best cash back credit card for beginners? Beyond the actual cash back rate, there are several factors to consider. That’s why our editors have researched the cards on the market and compiled a list of cash back credit card options for beginners. Keep in mind, some of these cards are designed for people who are brand new to credit and have a limited or non-existant credit history, while others will work for people who have an excellent credit history, but just not one that involves a rewards credit card. Make sure you know where your credit score falls before applying.

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American Express is a CardRatings advertiser

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Citi is a CardRatings advertiser

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Welcome Offer
bonus_miles_full
Rewards
points_miles_per_dollar
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AnnualFees
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CreditScoreNeeded
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Welcome Offer
bonus_miles_full
Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded
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5.0 EditorRating
 
Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Needed
CreditScoreNeeded
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5.0 EditorRating
 
Welcome Offer
bonus_miles_full
Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded

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Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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