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Personal Cash Back Rewards Credit Cards

Compare the Best Cash Back Credit Cards for Personal and Apply Online
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Read about How to Choose the Best Cash Back Credit Card for You


Blue Cash Everyday℠ Card from American Express
Apply for Blue Cash Everyday℠ Card from American Express
Editors' Choice
Consumer Cash Back Credit Cards
  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, 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
  • No annual fee, flexibility to pay over time
Introductory Bonus Cash BackCash Back RewardsInstant ApprovalGas RewardsGrocery RewardsEventsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionTravel Accident Insurance
Cash Back Rewards Benefit: Get 3% cash back at supermarkets, 2% back at gas stations and department stores, and 1% everywhere else
Introductory Bonus Cash Back: Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 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 in bonus cash back when 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 PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 12 months
-
17.24% - 22.24% (Variable)
$0

Chase Freedom® Visa
Apply for Chase Freedom® Visa
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, 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
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackGrocery RewardsNo Expiration on Rewards
Cash Back Rewards Benefit: 1% cash back on all other purchases, with no spending tiers.
Introductory Bonus Cash Back: Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
Bonus Cash Back: 5% cash back in new bonus categories every 3 months, on up to $1,500 worth of purchases. It's free and easy to activate your bonus each quarter.
Bonus Categories for 2012:
April - June: Grocery stores, Movie theaters
July - September: Gas stations, Restaurants
October - December: Hotels, Airlines, Best Buy, Kohl's
Our Review: The Chase Freedom Visa Card is one of the most popular cash back cards because of its simplicity and its creative bonus system. Chase has updated the Chase Freedom Visa for 2012. This article discusses the features of the new Freedom card and explains the type of consumer that would benefit from the new bonus... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 15 months
0% for 15 months
12.99% - 22.99% (Variable)
$0

Chase Sapphire℠
Apply for Chase Sapphire℠
  • Earn 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel or any other reward!
  • 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • Direct access to expert service advisors anytime
  • No annual fee!
Introductory Bonus Reward PointsCash Back RewardsPoint RewardsDining RewardsNo Expiration on RewardsNo Limits on RewardsPurchase Protection$0 Fraud Liability
Cash Back Rewards Benefit: You can redeem points to apply to purchases made within 60 days of the redemption date. Points redemptions start at 2,000 points for a $20 statement credit to apply to any purchase(s) made with your card, and in 100-point increments for each additional $1 of credit.
Our Review: If you are looking for a rewards card without an annual fee, consider the Chase Sapphire Card. This card includes a generous introductory bonus point offer good toward travel or other rewards... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
--
15.24% (Variable)
$0

Discover® More Card - 18 Month Promotional Balance Transfer
Apply for Discover® More Card - 18 Month Promotional Balance Transfer
  • 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--16 years in a row! (2012 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 alerts
  • 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
Cash Back RewardsBonus Cash BackNo Expiration on RewardsNo Limits on Rewards$0 Fraud Liability
Cash Back Rewards Benefit: Up to 1% Unlimited Cashback Bonus
Bonus Cash Back: 5% cashback bonus in categories that change.
Bonus Categories for 2012
January - March: Gas, Museums, Movies
April - June: Restaurants, Movies
July - September: Gas, Movies, Theme Parks
October - December: Department Stores, Electronic Stores, Toy Stores, Movies
Limitations apply*. See Issuer's Website for additional program details.
Our Review: The Discover More card offers a generous 18-month 0% balance transfer APR, a basic rewards program, and no annual fee. But be aware of the rewards spending threshold and the wide range of possible APRs, especially if you plan on carrying a balance... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 6 months
0% for 18 months
10.99% - 20.99% (Variable)
$0

Discover® Student Card
Apply for Discover® Student Card
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information
StudentCash Back RewardsBonus Cash BackNo Expiration on RewardsNo Limits on Rewards$0 Fraud Liability
Cash Back Rewards Benefit: Up to 1% unlimited cashback bonus.
Bonus Cash Back: 5% cashback bonus in categories that change.
Bonus Categories for 2012
January - March: Gas, Museums, Movies
April - June: Restaurants, Movies
July - September: Gas, Movies, Theme Parks
October - December: Department Stores, Electronic Stores, Toy Stores, Movies
Limitations apply*. See Issuer's Website for additional program details.
Our Review: The Discover Student Card gives you an easy and inexpensive way for you to start building credit while earning cash back. Swapping your debit card for this credit card lets you save some money and helps you learn how to manage credit responsibly... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 9 months
-
12.99% - 18.99% (Variable)
$0

Citi Dividend Platinum Select® Card for College Students
Apply for Citi Dividend Platinum Select® Card for College Students
  • No Cosigner Required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*
StudentIntroductory Bonus Cash BackCash Back RewardsBonus Cash BackDrugstore RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended Warranty Purchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency AssistanceIdentity Theft Assistance
Cash Back Rewards Benefit: Earn a full 1% cash back on all other purchases*
Introductory Bonus Cash Back: Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months.
Bonus Cash Back: Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
Our Review: Free of annual fees, the Citi Dividend Platinum Select Card for Students offers a cash back program with an introductory 5% cash back offer at supermarkets, drugstores, and gas stations. 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 PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 7 months
-
13.99% - 21.99% (Variable)
$0

Citi® Dividend Platinum Select® Visa® Card
Apply for Citi® Dividend Platinum Select® Visa® Card
  • $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*. This APR will vary with the market based on the Prime Rate.
  • Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
  • Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee.*
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud Liability Identity Theft Assistance
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 at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
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 PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 12 months
0% for 12 months
12.99% - 22.99% (Variable)
$0

Discover® Motiva Card
Apply for Discover® Motiva Card
  • Earn Cashback Bonus for your good credit management
  • 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
  • Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 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 alerts
  • 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
Cash Back RewardsBonus Cash BackNo Expiration on RewardsNo Limits on Rewards$0 Fraud Liability
Cash Back Rewards Benefit: Up to 1% unlimited cashback bonus.
Bonus Cash Back: 5% of your Interest Charges as a Cashback Bonus automatically each month you make an on-time payment
Our Review: Discover Motiva Credit Card is a cash back rewards card with a special bonus. If you consistently pay your card bill on time, this card gives you extra cash back. This bonus is on top of the cash back earned from regular purchases... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 15 months
0% for 15 months
10.99% - 20.99% (Variable)
$0

Discover® Open Road Card
Apply for Discover® Open Road Card
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 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
Cash Back RewardsDining RewardsGas RewardsNo Expiration on RewardsNo Limits on Rewards$0 Fraud Liability
Cash Back Rewards Benefit: Up to 1% unlimited cashback bonus on all other purchases.
Our Review: If you are a frequent commuter, the Discover Open Road Card can help you save money. This card offers bonus cash back on gasoline and restaurant purchases - important categories for someone who travels a lot. It also offers somewhat limited cash back on purchases in other categories. This card is especially suited to consumers looking to save money on gas and restaurant meals... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 15 months
0% for 15 months
10.99% - 19.99% (Variable)
$0

Discover® Student Card - $20 Cashback Bonus
Apply for Discover® Student Card - $20 Cashback Bonus
  • Experience Discover's great reward program. Earn $20 Cashback Bonus®* when you make your 1st purchase within 3 months of approval
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy.
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information
StudentIntroductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Expiration on RewardsNo Limits on Rewards$0 Fraud Liability
Cash Back Rewards Benefit: Earn up to 1% unlimited cashback bonus on everything else you buy.
Introductory Bonus Cash Back: Earn $20 Cashback Bonus when you make your 1st purchase within 3 months of approval.
Bonus Cash Back: 5% cashback bonus in categories that change.
Bonus Categories for 2012
January - March: Gas, Museums, Movies
April - June: Restaurants, Movies
July - September: Gas, Movies, Theme Parks
October - December: Department Stores, Electronic Stores, Toy Stores, Movies
Limitations apply*. See Issuer's Website for additional program details.
Our Review: The Discover Student card offers cash back and a great interest rate, without charging an annual fee. Mobile account management and helpful customer service also makes this card easy to use. Students who might carry a balance but still want a reward credit card should check out the Discover Student card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferAPR as low asAnnual Fee
0% for 6 months
-
12.99% - 18.99% (Variable)
$0

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Disclaimer: This content is not provided or commissioned by Chase. Opinions expressed here are author's alone, not those of Chase, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through Chase Affiliate Program.

Disclaimer: This content is not provided or commissioned by Discover. Opinions expressed here are author's alone, not those of Discover, and have not been reviewed, approved or otherwise endorsed by Discover. This site may be compensated through Discover Affiliate Program.

Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.


Articles on Personal Cash Back Rewards Credit Cards

    Blue Cash Everyday Review: Cash Back Card with No Annual Fee

    Blue Cash Everyday Review: Cash Back Card with No Annual Fee

    September 24, 2011 - By Meghan Clark - Review for Blue Cash Everyday
    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 in bonus ...
    Chase Freedom $100 Cash Back Review

    Chase Freedom $100 Cash Back Review

    March 14, 2012 - By David R - Review for Chase Freedom
    The Chase Freedom Visa Card is one of the most popular cash back cards because of its simplicity and its creative bonus system. Chase has updated the Chase Freedom Visa for 2012. This article discusses the features of the new Freedom card and ...
    Chase Freedom Review: Rewards with No Annual Fee

    Chase Freedom Review: Rewards with No Annual Fee

    August 3, 2011 - By Meghan Clark - Review for Chase Freedom
    Named a “Best Overall Card” in 2011 by CBS MoneyWatch, the Chase Freedom credit card offers a solid rewards program and introductory bonus offers. It does lack some of the bells and whistles that come with premium rewards cards, but because it ...
    Chase Sapphire Review

    Chase Sapphire Review

    April 20, 2012 - By David R - Review for Chase Sapphire
    If you are looking for a rewards card without an annual fee, consider the Chase Sapphire Card. This card includes a generous introductory bonus point offer good toward travel or other rewards.
    Discover More Card Review: Balance Transfer with No Annual Fee

    Discover More Card Review: Balance Transfer with No Annual Fee

    October 1, 2011 - By Meghan Clark - Review for Discover More
    The Discover More card offers a generous 18-month 0% balance transfer APR, a basic rewards program, and no annual fee. But be aware of the rewards spending threshold and the wide range of possible APRs, especially if you plan on carrying a balance.
    Discover Student Card Review: Intro APR on Purchases

    Discover Student Card Review: Intro APR on Purchases

    March 16, 2012 - By David R - Review for Discover Student Card
    The Discover Student Card gives you an easy and inexpensive way for you to start building credit while earning cash back. Swapping your debit card for this credit card lets you save some money and helps you learn how to manage credit responsibly.
    Citi Student Card Review: Dividend Platinum Select

    Citi Student Card Review: Dividend Platinum Select

    September 11, 2011 - By Meghan Clark - Review for Citi Dividend Platinum Student
    Free of annual fees, the Citi Dividend Platinum Select Card for Students offers a cash back program with an introductory 5% cash back offer at supermarkets, drugstores, and gas stations. Cardholders also receive an introductory purchase APR and ...
    Citi Dividend Card Review: $100 Cash Back Bonus

    Citi Dividend Card Review: $100 Cash Back Bonus

    May 18, 2012 - By David R - Review for Citi Dividend Card
    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 ...
    Discover Motiva Card Review: Rewards Worth It?

    Discover Motiva Card Review: Rewards Worth It?

    February 18, 2012 - By David R - Review for Discover Motiva
    Discover Motiva Credit Card is a cash back rewards card with a special bonus. If you consistently pay your card bill on time, this card gives you extra cash back. This bonus is on top of the cash back earned from regular purchases.
    Discover Open Road Review: Cashback on Gas with No Annual Fee

    Discover Open Road Review: Cashback on Gas with No Annual Fee

    February 10, 2012 - By David R - Review for Discover Open Road
    If you are a frequent commuter, the Discover Open Road Card can help you save money. This card offers bonus cash back on gasoline and restaurant purchases - important categories for someone who travels a lot. It also offers somewhat limited cash ...

    Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

    Disclaimer: This content is not provided or commissioned by Chase. Opinions expressed here are author's alone, not those of Chase, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through Chase Affiliate Program.

    Disclaimer: This content is not provided or commissioned by Discover. Opinions expressed here are author's alone, not those of Discover, and have not been reviewed, approved or otherwise endorsed by Discover. This site may be compensated through Discover Affiliate Program.

    Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.


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How to Choose the Best Cash Back Credit Card for You

You 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 card. Remember, pick a card that fits your current spending pattern—don’t be tempted to sign up ...

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