6 cash back credit cards for beginners

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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.