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Cash Back Credit Cards
Cash back credit cards are a great way to earn cash back with your purchases. Like the rewards cards, these cards are most beneficial when you don't carry a monthly balance. The typical cash back rate is 1%, although some cash back credit cards will have a higher percentage for everyday purchases like groceries and gas. The pitfall to avoid is getting a cash back card when you carry a monthly balance since these cards will often have a higher interest rate. Below are some of our favorite cash back credit cards.
Recommmended just for you
Chase Freedom® Visa - $200 Bonus Cash Back
- 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 supermarkets, gas, drugstores and even home improvement stores. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Why we recommend it...
Cash is king, and Chase’s Freedom Visa with $200 Bonus Cash Back is crowned our favorite cash back card. In addition to a generous rewards program that’s a consistent favorite amongst consumers, Chase offers one of the best cash incentives you can find anywhere-- $200 bonus after spending $500 in purchases in your first 3 months.
Chase’s rewards programs gives you more ways to earn cash back, with 5% cash back earning power on popular categories like gas and department stores, a full 1% cash back on every purchase, as well as up to 10% cash back on Chase-affiliated merchants. Plus, there is no annual fee, no expiration on cash back, and no spending tiers. That makes your Chase Freedom a true rewards card with no restraints, no fees, and no hassle.
When it comes to cash back credit cards, you won’t find an offer to beat Chase’s Freedom Visa with $200 bonus cash back.
Pros:
- $200 bonus cash back after spending $500 in purchases in the first 3 months
- No annual fee
Cons:
- Need Good to Excellent Credit
Credit Score Approval Data †
701
Average Credit Score Approved for this Card
626
Lowest Credit Score Approved for this Card
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
- $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%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 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. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on eligible purchases and cash advances
- No Annual Fee*
Why we recommend it...
Can’t decide between a great cash back card or a smart balance transfer card? With Citi Dividend Platinum Select MasterCard, you can have the best of both worlds.
If you’re interested in earning generous cash back, Citi Dividend Platinum Select MasterCard offers 5% cash back on rotating categories including airlines, hotels, and more. For everyday purchases, you get 1% cash back on eligible purchases and cash advances. If you’re interested in saving more money on your purchases, Citi Dividend Platinum Select MasterCard has that too! The card offers 0% intro APR on balance transfer and purchases for 12 months, and resets to 12.99% after that. The bonus intro APR helps you carry new debt or perhaps a balance from on old card without paying the cost of interest, which can help save hundreds over a few months. Add to those card perks a bonus offer of $100 cash back and no annual fee, and you have an all-around credit card that’s hard to pass up.
If you’re looking for cash back opportunities with a low interest rate, the Citi Dividend Platinum Select MasterCard with $100 bonus cash back is your top pick.
Pros:
- No Annual Fee
- $100 Cash Back
Cons:
- Need Excellent Credit
Credit Score Approval Data †
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Average Credit Score Approved for this Card
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Lowest Credit Score Approved for this Card
Additional cash back credit cards
Sony Card from Capital One®
- 5 points per $1 on Sony purchases at authorized retailers
- 3 points per $1 on dining out and movie purchases
- 1 point per $1 spent on all other purchases
- Redeem for Sony products, movies, music, and more
- Choose from 2 unique card designs
- 0% intro APR on purchases until December 2012
- No annual fee
SimplyCash® Business Card from American Express OPEN
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
- No annual membership fee
Capital One® Spark(SM) Classic for Business
- Enjoy no annual fee
- Build business credit with eligibility for an automatic credit line increase
- Earn 1% cash back on every purchase, every day
- Separate business expenses from personal expenses
- $0 Fraud Liability if your card is ever lost or stolen
- Enjoy business benefits including Year-End Summaries, up to 25 employee cards at no additional cost, and experienced small business customer service
* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma members have received approvals with these Credit Karma credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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