Cash Back Credit Cards
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Cash back credit cards return a certain predetermined percentage of your charges to you either in the form of a statement credit or via check and thereby lower the effective cost of each purchase you make. While cash back rewards are typically considered the most straightforward, hassle-free rewards currency, there are a couple of things to keep in mind when attempting to compare cash back credit cards. First, with some cards you earn cash back at different rates, depending on the types of purchase you make. In addition, some cards may require that you re-enroll on a quarterly basis in order to earn the maximum rewards offered on certain spending categories, while others may cap the cash back you can earn. Nevertheless, WalletHub® recommends that you apply for a cash back credit card rather than any other type of rewards credit card because cash back policies are still simpler on the whole than those common with miles and points cards. Also unlike miles and points, cash cannot be devalued and can be used to buy anything you want. You should therefore compare the cash back credit cards listed below (some of which are from WalletHub’s partners) or simply take a look at our Editor’s Picks for the best cash back credit cards.... show more
show lessCOMPARE CASH BACK CREDIT CARDS
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- Earn a $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR for 15 months on purchases and balance transfers (balance transfer fees apply)
- Potential for a very high interest rate - 18.49% - 28.49% (V)
- Balance transfer fee
- Available to applicants with good/excellent credit
- Earn a $200 initial bonus
- High rewards rate
- $0 annual fee
- High regular APR - 18.49% - 28.49% (V)
- Balance transfer fee
- Available to people with good/excellent credit
- $300 initial bonus
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- Foreign transaction fee
- Balance transfer fee
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- Rewards earned in the first year get matched
- Up to 5% cash back
- No annual fee
- Low intro rates
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee
- Offers 2% cash back on all purchases
- $0 annual fee
- $200 initial rewards bonus
- Low intro APR on balance transfers
- 3% foreign transaction fee
- High regular APR
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Available to people with limited credit
- High interest rate
Questions & Answers
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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