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Cash Back Credit Cards

Cash Back Credit Cards

Compare cashback rewards, read reviews, and apply online
Using a credit card with cash back can be a great way to stretch your budget and be rewarded for your purchases. As long as you pay your balance in full each billing cycle, the card issuers are essentially paying you to use their card. Plus, cash back rewards are usually easier to understand than rewards programs involving points and miles.

Capital One Quicksilver

Capital One Quicksilver Review

Spend $500 in First 3 Months and Earn $200 Bonus
Blue Cash Preferred

Blue Cash Preferred Review

Earn $300 Statement Credit (Terms Apply)
Infographics: Where Does All My Money Go

Household Spending Statistics

Where does all the money go? See what typical Americans make and spend in a month.



Read Review
Our Review: With a $200 cash back offer and no annual fee, does Chase Freedom Unlimited live up to the hype? Read this in-depth review to see how it stacks up... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
N/A
14.99% - 23.74% Variable
$0

Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Cash Back Rewards: 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% Cash Back at U.S. gas stations and at select U.S. department stores. 1% Cash Back on other purchases.
Introductory Bonus Cash Back: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
Our Review: If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

Blue Cash Preferred Card from American Express
Read ReviewApply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 introductory annual fee for one year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Cash Back Rewards: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
Introductory Bonus Cash Back: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Our Review: If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred® Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months
N/A
13.99% - 23.99% Variable
$0 introductory for first year, then $95


Read Review
Our Review: With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card beats out many cashback credit cards. But are there catches? Read on for the full details... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0%* for 18 months*
13.99% - 23.99%* (Variable)
$0*

American Express Cash Magnet Card
Read ReviewApply for American Express Cash Magnet Card
At American Express' Secure Site
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you'd like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Cash Back Rewards: Unlimited 1.5% Cash Back on your purchases.
Introductory Bonus Cash Back: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Our Review: American Express Cash Magnet® Card gives you unlimited 1.5% cash back on your purchases. Is it a good card? Read on to see how it stacks up... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 15 months
N/A
13.99% - 23.99% Variable
$0


Introductory Bonus Cash BackCash Back Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Intro APR for 12 months
0% Intro APR for 12 months
Variable APR of 13.99% - 22.99% will apply after the Introductory Period
$0


Read Review
Our Review: Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back with no rotating bonus categories or annual fees. Read on to find out if it's worth having... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 15 months
N/A
15.49% - 25.49% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.99% (Variable)
$39


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR on purchases for 15 billing cycles
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
13.99% - 23.99% Variable APR on purchases and balance transfers
$0


Read Review
Our Review: With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable
$0


Read Review
Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. 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 PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
26.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable
$0

Mastercard Black Card
Read ReviewApply for Mastercard Black Card
At Issuer's Secure Site
  • Patented black-PVD-coated metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
Cash Back RewardsAirline RewardsConcierge
Cash Back Rewards: 1.5% value for cash back redemptions
Our Review: Does Mastercard® Black Card™ provide enough benefits to justify the steep annual fee? Read our in-depth review and find out the requirements to qualify... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
14.99% (Variable)
$495 ($195 for each Authorized User)


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months on qualifying balance transfers
14.49% - 24.99% (Variable)
$0


Read Review
Our Review: The Citi Costco card offers high cash back for gas and Costco purchases, but there are limitations to know before you apply. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24%* (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
10.99% for 6 months
22.99% Variable
$0

Disclaimer: The information for the Chase Freedom Unlimited®, Citi® Double Cash Card, HSBC Cash Rewards Mastercard® credit card, Capital One Quicksilver Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, Bank of America® Cash Rewards credit card, Discover it® Cash Back, Discover it® Student Cash Back, Journey Student Rewards from Capital One, Discover it® chrome, Wells Fargo Cash Wise Visa® card, Costco Anywhere Visa® Card by Citi, Discover it® Student chrome, and Discover it® Secured has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Cash Back Rewards Benefits

Why Choose a Rewards Credit Card with Cash Back

Here are some of the advantages of having cash back rewards:

  • 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).

    Besides the credit cards we feature on CreditDonkey, you may also want to check with your local bank or credit union. Most big national banks like Bank of America, Chase, Citi and Wells Fargo have cashback credit cards too.

  • 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 rewards 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 Rewards

Can You Get Cashback with a Credit Card?

Can You Get Cashback with a Credit Card

Are you in a bind and need some cash? There are a few ways to get immediate cash back from a credit card, but be careful. Read on for the details.

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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