| | | | Top Rankings | |
|---|
| | | | | |
| | Narrow Your Search → | | | | | Cash Back Credit Cards for | |
|---|
| | | | | |
| | | | | Cash Back Credit Cards with | |
|---|
| | | | | |
| | | | | Card Reviews | |
|---|
| | | | | |
| | | | | Cash Back Credit Cards by | |
|---|
| | | | | |
| | | | | Resources | |
|---|
| | | | | |
 |  | We've compiled a list of the 4 Cash Back Deals currently available on CreditDonkey. Cash Back Rewards Credit CardsCompare cash back rewards and apply online. |
Using a cash back credit card can be a great way to stretch your budget and be rewarded for your purchases. If you pay your balance in full each billing cycle and earn cash back, the card issuers are essentially paying you to use their card.
How to Choose a Cash Back Credit CardYou want to earn cash back, but how do you decide which card is right for you? Compare rewards, annual fees and interest rates to determine the best one. Narrow your comparison by reading reviews on the top cash back credit cards available, such as:
It's important to pick a card that fits your current spending pattern; don’t be tempted to sign up for a “good deal” if it means significantly changing your lifestyle. Keep in mind, you don’t want further temptation to spend beyond your means in order to win a reward, especially for items you would not have bought otherwise.
Cash Back Deal Offers
 Want 5% cash back in new bonus reward categories every 3 months, on up to $1,500 in purchases? Discover it™ - 18 Month Balance Transfer offers generous cash back rewards, 0% intro APR on balance transfers for 18 months, and 0% intro APR on purchases for 6 months. Then the variable APR applies, currently 10.99% - 22.99%. The card has 5% cashback bonus (up to the quarterly maximum) in categories that change throughout the year. Right now, it offers 5% cash back at home improvement stores through June on up to $1,500 in purchases; requires free and easy enrollment on their website to activate bonus categories. There is no annual fee.
Want a simple and straightforward cash back credit card? Not interested in rotating bonus reward categories? Blue Cash Everyday® Card from American Express offers 100 Reward Dollars after you spend $1,000 in eligible purchases in the first 3 months of Card membership. With 3% cash back at US supermarkets (up to $6,000 per year in purchases), 2% cash back at US gas stations and select US department stores, and 1% cash back on all other eligible purchases, the Blue Cash Everyday is a good everyday choice for most households. Plus, there are no spend minimums, no enrollment and no rotating rewards categories to worry about. And of course, there is no annual fee.
Want $100 cash back after you spend $500 in purchases within the first 3 months of account opening? Citi® Dividend Platinum Select® Visa® Card offers $100 cash back after $500 in purchases within the first 3 months of account opening. Plus, the card offers 0% intro APR on balance transfers and purchases for 12 months. After that, the APR will be 12.99% - 22.99% variable. There is no annual fee.
How to Choose
Rewards
Does the credit card rewards structure match your lifestyle? Some credit cards with cash back earn more on specific purchase categories, such as gas, restaurants, or groceries. Some have rotating categories of up to 5% cash back that often change every few months and require free enrollment, while others offer a lower, but consistent reward rate year-round.
Annual Fees
While most consumers should opt for a cash back credit card with no annual fee, don’t let an annual fee scare you away. Some credit cards with annual fees offer lucrative introductory bonuses that pay for the annual fee and more. Plus, they often include generous benefits and reward structures that are favorable for big spenders or frequent travelers.
Interest Rates
Reward credit cards generally have higher interest rates.
Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs. Disclaimer: Discover is a paid advertiser of CreditDonkey.
  Cash Back Credit Cards | | | Cash Back Rewards Benefit: 1% cash back on all other purchases Bonus Cash Back: 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.
Bonus Categories for 2013
January - March: Restaurants and Movies
April - June: 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores
July - September: TBA 5/1/2013
October - December: TBA 8/1/2013
Limitations apply*. See Issuer's Website for additional program details. | | Our Review: A generous cash back and 18-month balance transfer offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | 0% for 18 months | 10.99% - 22.99% (V)* | $0 |
|
| | | Cash Back Rewards Benefit: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply. Introductory Bonus Cash Back: Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. | | Our Review: If you’re looking for a go-to cash back credit card that rewards you for your most common purchases and doesn’t charge an annual fee, you should check out the Blue Cash Everyday Card from American Express. This card also offers 100 Reward Dollars after you spend at least $1,000 in the first 3 months, along with extra protections and a referral bonus... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 12 months | None | 12.99% - 21.99% (Variable) | $0 |
|
| | | Cash Back Rewards Benefit: Full 1% cash back on all other purchases and eligible cash advances. Introductory Bonus Cash Back: $100 cash back after $500 in purchases within the first 3 months of account opening Bonus Cash Back: Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment | | Our Review: If you’re looking for a cash back card with a 0% introductory APR and no annual fee, you should consider the Citi Dividend Platinum Select Visa Card. This card also offers rotating cash back bonus categories and a sign-up bonus. But big spenders beware: the annual $300 cash back limit might put a damper on your earnings... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | 0% for 12 months | 12.99% - 22.99% (Variable) | $0 |
| 
| | | Cash Back Rewards Benefit: 1% cash back on other purchases Introductory Bonus Cash Back: Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. | | Our Review: If you are looking to maximize your annual cash back rewards, the American Express Blue Cash Preferred Card is the way to go. This card has one of the highest cash back bonus rates in the industry. American Express created this card as an upgrade to the Blue Cash Everyday Card. While the Preferred Card has an annual fee, you can make this money back if you take advantage of the card’s generous cash rewards and bonuses... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 12 months | None | 12.99% - 21.99% (Variable) | $75 |
| 
| | | Cash Back Rewards Benefit: 1% cash back on all other purchases. Bonus Cash Back: 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.
Bonus Categories for 2013
January - March: Restaurants and Movies
April - June: 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores
July - September: TBA 5/1/2013
October - December: TBA 8/1/2013
Limitations apply*. See Issuer's Website for additional program details. | | Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It for Students. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | See Terms | 12.99% - 18.99% V | $0 |
| 
| | | Cash Back Rewards Benefit: Earn a full 1% cash back on all other purchases* Bonus Cash Back: Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment | | Our Review: Free of annual fees, the Citi® Dividend® Card for College Students offers a full 1% cash back on all eligible purchases. Cardholders also receive an introductory purchase APR and a variety of extra protections. Because this card does not require a co-signer from students who have an income, it can be a good pick for a first credit card... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 7 months | N/A | 13.99% - 23.99% (Variable) | $0 |
| 
| | | Cash Back Rewards Benefit: 1% cash back on other purchases, including at Costco | | Our Review: Costco shoppers looking for rewards on their in-store and gasoline purchases should check out the TrueEarnings Card from Costco and American Express. There is no annual fee for active Costco members, so the cash back you earn goes straight to your wallet. It also comes packed with the benefits you'd expect from American Express... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 6 months | None | 15.24% (Variable) | No Annual Fee with your paid Costco Membership |
| 
| | - No annual fee
- Earn $50 cash back with your first purchase
- With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard
- Earn 4% back at thousands of participating Upromise dining restaurants
- Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations
- Earn 2% cash back at eligible movie theaters
- Earn 1% cash back everywhere else
- Earn cash back on every purchase with no caps
- 0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.
| | Cash Back Rewards Benefit: Earn 1% cash back everywhere else Introductory Bonus Cash Back: Earn $50 cash back with your first purchase | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | 0% for 12 months | 12.99% - 20.99% (Variable) | $0 |
| 
| | | Cash Back Rewards Benefit: Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases. Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits Introductory Bonus Cash Back: One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit | | Our Review: With an introductory bonus of 10,000 points (worth a $100 cash back statement credit) after your first purchase, 0% intro APR on balance transfers and purchases for 12 months and no annual fee, the NFL Extra Points Credit Card is a great deal, NFL fan or not... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | 0% for 12 months | 13.74% - 22.74% (Variable) | $0 |
| 
| | | Cash Back Rewards Benefit: Earn 1% in cash back credit on all qualifying purchases | | Our Review: The Iberiabank Visa Gold Card offers a solid combination of benefits. With this card, you get a cash back rewards program, a low interest rate, and an introductory APR for your balance transfers. You usually need a strong credit history to qualify for the low rate, but it’s a great deal if you can get it... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 1.99% for 6 months | 9.25% - 15.25% (Variable) | $0 |
| 
| | | | | Our Review: Offering 2 points per $1 spent on gas, grocery, and utility purchases and 1 point per $1 spent on all other purchases, the Barclaycard Rewards card can help households save money. It also comes with a generous introductory bonus of a $50 credit after your first purchase. However, to qualify for this card, you’ll usually need excellent credit... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | 0% for 12 months | 14.99% - 24.99% (Variable) | $0 |
| 
| | | | | Our Review: For people with average credit looking to earn reward points with no annual fee, the Barclaycard Rewards MasterCard is a good pick. The card's relatively high interest rate makes it best suited for people who plan to pay in full each month... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 6 months | 0% for 6 months | 24.99% (Variable) | $0 |
| 
| | - The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% cash back in categories that change throughout the year on up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% - 18.99%.
- *Click apply for Terms & Conditions.
| | Cash Back Rewards Benefit: 1% cash back on all other purchases. Introductory Bonus Cash Back: Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Bonus Cash Back: 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.
Bonus Categories for 2013
January - March: Restaurants and Movies
April - June: 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores
July - September: TBA 5/1/2013
October - December: TBA 8/1/2013
Limitations apply*. See Issuer's Website for additional program details. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | See Terms | 12.99% - 18.99% V | $0 |
|
Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs. Disclaimer: Discover is a paid advertiser of CreditDonkey.
Cash Back Rewards BenefitsWhy Choose a Cash Back Credit Card
Here are some of the advantages of having a cash back credit card:
- Cash back is like getting a discount every time you shop. Getting 3% cash back at the gas station is like getting 3% off your total bill. In fact, it's like easy money - you are essentially being paid to use your credit card.
- Cash back is easy. Who wants to do math on reward points? With cash back, your return for spending is much easier to understand and the math is minimal (just pay attention to how you'll get the cash - through statement credit, gift card or an actual check).
- Cash back makes more sense for some lifestyles than other rewards. Credit cards used to offer airline miles almost exclusively as rewards. Travel rewards and other travel perks are still available on some cards today, but for people who don’t travel much, a cash back reward structure is more useful, convenient, and practical.
What to Watch Out For
Consider these factors before and after you decide on a cash back credit card:
- Interest rates: Credit cards with cash back rewards tend to have higher than average interest rates, so make sure you pay the balance in full each month. If you plan to carry a balance, look for a credit card with low interest instead.
- Introductory offers: Credit card companies offer a variety of incentives to get you to choose their card, but many of them don’t last long. These range from 0% APR balance transfers for an introductory period, to bonus cash offers for signing up, to 5% cash back on categories that change.
- Overspending: Since you’re earning cash back as a percentage of your spending, your rewards increase as you spend more. This can make overspending very tempting. Don’t spend more than you can afford, and always purchase wisely.
Calculate the rewards you could earn with several cards, based on your normal spending habits, to figure out which card will earn you the most rewards. No matter which card you choose, always remember the importance of paying your bill in full each month – or else you will lose out on the reason you chose a cash back card in the first place.
Articles on Cash Back RewardsWith $1.3 trillion spent on arguably non-essentials items, CreditDonkey study reveals how consumers find the balance between prudence and extravagance. Halloween is quickly approaching (it’s a tad creepy how fast it seems to come every year!) and that means that it’s time to purchase candy, costumes, decorations and other party supplies to make this year spooktacular. Before you pull out your ... Take full advantage of cash back credit card benefits when you dispel the top 8 myths. How do you pick the best cash back credit cards for your needs? It turns out there is a bit of a trick to doing it. Read on to find out what it is.
You might also be interested in
|
