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Credit Cards with Cash Back
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Use cash back credit cards to get the equivalent of up to a 5% discount on your purchases. You can earn cash back whenever you make a purchase with your credit card. You can also click here to use our Credit Card Comparison Guide, where you can compare the cash back card offers by interest rate.
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Chase Freedom® Visa - $200 Bonus Cash Back |
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- Click "APPLY HERE" to apply online or call 800-679-8405
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
15.99% - 22.99%* (Variable) |
Annual Fee
$0* |
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Capital One® Cash |
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- Click "APPLY HERE" to apply online or call 1-866-582-0808
- $100 Bonus after you spend $500 in the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash rewards that don't expire
- Redeem cash rewards anytime for any amount, even set up automatic redemption
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until February 2013
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Intro Purchase APR
0% until February 2013* |
Intro Balance Trans. APR
0% until February 2013* |
APR
12.9% - 20.9% (V)* |
Annual Fee
$0* |
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Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back |
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- $200 cash back after $500 in purchases within the first 3 months of account opening
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Each quarter, you can enroll to earn additional cash back in popular categories.
- 5% average cash back at select merchants through Citi Bonus Cash Center®
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
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Intro Purchase APR
N/A |
Intro Balance Trans. APR
N/A |
APR
15.99% - 22.99%* (Variable) |
Annual Fee
$0* |
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Capital One® No Hassle CashSM Rewards Credit Card |
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- To apply online click the “Apply Now” button or call 1-866-582-0808
- 2% cash back on gas and groceries
- 1% cash back on all other purchases
- Get up to 15% more cash back when you shop online at select merchants through Perk Central
- No limit on the cash you can earn and cash won't expire
- Redeem cash rewards any time for any amount, even set up automatic redemption
- 0% intro APR on purchases until November 2012
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection or add your own
- See Rates and Disclosures
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Intro Purchase APR
0% until November 2012* |
Intro Balance Trans. APR
N/A* |
APR
17.9% - 22.9% (V)* |
Annual Fee
$39* |
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Discover® More® Card - Balance Transfer Fee* |
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- To apply online click the "Apply Now" button or call 1-888-312-0082.
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)ithin 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 18 months* |
APR
10.99% - 20.99% (Variable)* |
Annual Fee
$0* |
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Blue Cash EverydaySM from American Express |
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- No annual fee, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
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Intro Purchase APR
0% for 12 months |
Intro Balance Trans. APR
N/A |
APR
17.24%-22.24% Variable |
Annual Fee
$0 |
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Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back |
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- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Each quarter, you can enroll to earn additional cash back in popular categories.
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
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Intro Purchase APR
0% for 12 months* |
Intro Balance Trans. APR
0% for 12 months* |
APR
12.99% - 22.99%* (Variable) |
Annual Fee
$0* |
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Discover® More® Card - Limited Time No Balance Transfer Fee* |
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- To apply online click the "Apply Now" button or call 1-800-220-8173
- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked 1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro Purchase APR
0%* for 12 months* |
Intro Balance Trans. APR
0%* for 12 months* |
APR
10.99%-19.99% (Variable)* |
Annual Fee
$0* |
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Citi® Diamond Preferred® Card |
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
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Intro Purchase APR
0% for 18 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
11.99%-21.99%* (Variable) |
Annual Fee
None |
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Discover® More® Card |
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- To apply online click the "Apply Now" button or call 1-800-983-1403.
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro Purchase APR
0%* for 15 months* |
Intro Balance Trans. APR
0%* for 15 months* |
APR
10.99% - 20.99% (Variable)* |
Annual Fee
$0* |
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The Benefits of Cash Back Credit Cards
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Cash back credit cards pay you a percentage rebate on the money you spend on the card.
Many cash back cards offer as high as a 5% cash back on purchases at supermarkets, drug stores, and gas stations, and 1% on all others. Other credit cards with cash back offers give 5% rebates on expenditures for auto repair, apparel, home improvement stores, and more.
A 5% cash back is equivalent to a 5% discount on your purchases. If you use a cash back credit card for most of your purchases and routine expenditures, that can turn into significant savings over the course of the year. To maximize earnings, many people like to get additional cards for family members, so that they receive cash back on all household expenditures.
In some cases, you don't earn the full cash back on your charges until after a certain amount of expenditures. Other cards put a limit on the maximum earnings you can accumulate in a year. The rewards on your cash back credit card may also expire after a certain number of months, or if you don't use your card for a period of time. The way your earnings are redeemed also varies from card to card. Read the terms of the card you apply for and make a note of the most important points, so you can follow up as needed.
Cash back credit cards are most profitable if you pay your card balance in full every month. If you intend to keep a balance on your card, you might prefer instead to find one that offers a low interest rate.
Some cash back credit cards also offer 0 apr for an introductory period or frequent flyer miles. Other kinds of cards offer different categories of rewards. In addition to cards for individuals, business credit cards |
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