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At CardRatings.com we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.
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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