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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.

Blue Cash Preferred

Blue Cash Preferred Review

Earn $250 Statement Credit (Terms Apply)
Cash Magnet Review: Is 1.5% Attractive Enough?

Cash Magnet 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.


Chase Freedom Unlimited
Read ReviewApply for Chase Freedom Unlimited
At Chase's Secure Site
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Cash Back Rewards: Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
Introductory Bonus Cash Back: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Our Review: With an intro 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
0% for 15 months
19.49% - 28.24% 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 a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
  • Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • 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%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Introductory Bonus Cash Back: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 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, a CreditDonkey partner... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
18.74% - 29.74% 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 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
  • 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.
  • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • 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 $250 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
0% on balance transfers for 12 months
18.74% - 29.74% Variable
$0 intro annual fee for the 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*
18.49% - 28.49%* (Variable)
$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
0% intro on balance transfers for 15 months
19.24% - 29.24% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
29.74% (Variable)
$39


Read Review
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
18.74% - 29.74% Variable
$0


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
17.49% - 27.49% 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 15 months
0% for 15 months
16.49% - 27.49% 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
17.49% - 26.49% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
29.74% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
16.49% - 27.49% 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.
  • 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.
  • 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.
  • 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.
19.49% (Variable)
$495 ($195 for each Authorized User)


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
19.74%* (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
17.49% - 26.49% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
10.99% for 6 months
27.49% Variable
$0

Disclaimer: The information for the Citi® Double Cash Card, Capital One Quicksilver Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, American Express Cash Magnet® Card, Bank of America® Customized Cash Rewards credit card, Discover it® Cash Back, Discover it® Student Cash Back, Journey Student Rewards from Capital One, Discover it® chrome, 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

Capital One Quicksilver Review

Capital One Quicksilver

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.
Chase Freedom Unlimited Review: Is It Good?
Chase Freedom Unlimited Review: Is It Good?

Chase Freedom Unlimited

With an intro 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.
Discover It Card Review: Cash Back Rewards Promotion

Discover It Card 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.
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.
Chase Freedom Unlimited Benefits
Chase Freedom Unlimited Benefits

Chase Freedom Unlimited Benefits

Besides unlimited 1.5% cash back on all purchases, Chase Freedom Unlimited offers valuable benefits. Don't overlook them.
Chase Freedom Unlimited Credit Score: What You Need to Know
Chase Freedom Unlimited Credit Score: What You Need to Know

Chase Freedom Unlimited Credit Score

Chase Freedom Unlimited usually requires a good credit score (680+). But this is not the only deciding factor. Find out how to improve your odds.
Blue Cash Preferred Review: Worth Annual Fee?
Blue Cash Preferred Review: Worth Annual Fee?

Blue Cash Preferred

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 ...

Blue Cash Everyday

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, a CreditDonkey partner.
Chase Freedom Unlimited Credit Limit
Chase Freedom Unlimited Credit Limit

Chase Freedom Unlimited Credit Limit

Many Chase Freedom Unlimited users receive a credit limit of $1,000 - $3,000. Find out how Chase determines your credit limit and how to get an increase.
Capital One Quicksilver Login Help and Customer Service Tips

Capital One Quicksilver Customer Service

Do you have a Capital One Quicksilver Cash Rewards Credit Card? Learn the best ways to get help for all of your account needs.
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.
Citi Double Cash Review: Too Good to Be True?

Citi Double Cash 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.

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

Disclaimer: The information for the Capital One Quicksilver Cash Rewards Credit Card, Discover it® Cash Back, and Citi® Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


You might also be interested in


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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