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Cash Back Credit Cards |
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Additional Cash Back Credit Card Resources |
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Sorry! No additional resources are available at this time |
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The cash back credit card category is one of the top genres of reward cards available. These cards usually offer instant cash rewards or rebate incentives on a per dollar spent basis, but can also make use of a point system that allows for the redemption of a set number of points for cash or cash-like gift certificates. Cash back cards are best suited for individuals that make large purchases, thus allowing for maximum rebate rewards on a per transaction basis. Be aware that most cash rebate cards have slightly higher interest rates than those of other rewards credit cards; this means carrying a balance with one of these cards can be more costly than necessary if you’re not paying the credit card’s balance every month.
One of the largest determining factors for a good cash back card is the manner in which you accrue cash back bonuses. The most common system is a percentage of your total purchase (usually 1% to 2%+) though this may be altered slightly to reward certain types of purchases more than others. Some cards also have a monthly or annual cap on the amount of rebates that can be accumulated, so if you’re a big spender or your spending pattern fluctuates from month to month be sure to pick a cash incentive program that matches your spending habits.
Please see our article library on the right for additional resources relevant to the cash back credit card selection process.
| Discover® More® Card - Monogram |
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The Discover® More® Card - Monogram is perfect for a person with very good credit looking for a card that can earn cash rewards. The card also features personalized designs which displays the cardholder's initial(s) on the card's face.
The reward program allows cardholders to earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. In addition, cardholders can automatically earn up to a 1% Cashback Bonus® on all other purchases.
As an added bonus, cardholders can earn up to a double Cashback Bonus® when their rebates are redeemed for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned and rebates do not expire as long as the account is active within a 36-month period.
A unique feature with this card is that cardholders can choose from several card designs that will display their initial(s) on the front of the card.
The card Features: Cardholders choose their personalized card design.
Various Internet account related services.
Up to $500,000 in travel accident insurance.
Fraud and security protection services.
Auto rental insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Months |
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$0 |
Rebate |
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| Discover® More® Card - American Flag |
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The Discover® More® Card - American Flag, issued by Discover, is designed for those with excellent credit who are looking for a cash rewards credit card.
Through the rewards program, cardholders earn a 5% Cashback Bonus® in categories such as travel, home, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores.
Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.*
As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account remains active within a 36-month period.
Aside from the rewards program, the card alsoFeatures: Various Internet account related services.
Up to $500,000 in travel accident insurance.
Auto rental insurance.
No liability for unauthorized transactions.
Fraud and security protection services.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Months |
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$0 |
Rebate |
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| Discover® More® Card - Sealife Collection |
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The Discover® More® Card - Sealife Collection, issued by Discover, is designed for those with excellent credit who are looking for a Cashback Bonus® rewards credit card.
Through the rewards program, cardholders can earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% on general purchases and .25% on purchases made at select warehouse clubs and discount stores.
Those who spend up to $1,500 on general purchases will receive a .25% rebate. For those who spend between $1,500 and $3,000, a a .5% rebate will be earned, and over $3,000 will earn a 1% rebate.*
As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.
Features: Various card designs to select from.
Various Internet account related services.
Emergency card replacement.
Auto rental insurance.
Fraud and security protection services.
Up to $500,000 in travel accident insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Months |
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$0 |
Rebate |
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| Discover® More® Card - Wildlife Collection |
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The Discover® More® Card - Wildlife Collection, issued by Discover, is designed for those with very good credit who are looking for a cash rewards credit card.
Through the rewards program, cardholders can earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and .25% for purchases made at select warehouse clubs and discount stores.
Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.*
As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.
The card has no annual fee and features Features: Various card designs to select from.
Various Internet account related services.
Emergency card replacement.
Auto rental insurance.
Fraud and security protection services.
Up to $500,000 in travel accident insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Months |
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$0 |
Rebate |
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| Discover® More® Card |
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The Discover® More® Card, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card.
Through the rewards program, cardholders earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically.
As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.
The card has no annual fee and features an attractive 0% introductory APR on balance transfers for 12 months, and a 0% introductory APR on purchases for 6 months.
Aside from the reward program, the card also provides several platinum benefits, includFeatures: Various card designs to select from.
Various Internet account related services.
Up to $500,000 in travel accident insurance.
Fraud and security protection services.
Auto rental insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 12 Months* |
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$0 |
Rebate |
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| Discover® More® Card - Clear |
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Discover's Discover® More#174; Card - Clear is ideal for those with very good credit who want a cash reward credit card.
Through this card's reward program, cardholders are able to earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Up to 1% can also be earned on general purchases and .25% for purchases made at select warehouse clubs and discount stores.
The way rebates can be earned is quite simple. Those who spend up to $1,500 on general purchases will receive a .25% rebate. If a cardholder spends between $1,500 and $3,000, a .5% rebate will be earned. Any general purchase expense yields a 1% rebate to the cardholder.*
As an added bonus, cardholders can earn up to a double Cashback Bonus® when they redeem their rebates for gift certificates from participating Discover® Card Partners. What's more is that with the Discover® More#174; Card Clear, there is no annual cap on the amount of rebates that can be earFeatures: Various card designs to select from.
Various Internet account related services.
Emergency card replacement.
Fraud and security protection services.
Auto rental insurance.
Up to $500,000 in travel accident insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Months |
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$0 |
Rebate |
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| TrueEarnings(R) Card from Costco and American Express |
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The TrueEarnings® Card from Costco and American Express is designed for Costco members who have average credit and plan to take advantage of the cash back reward program.
The cash rebate amount varies according to where the cardholder makes the purchase; 1% is earned on general purchases, 2% is earned for travel-related purchases, and 3% is earned for restaurant and on gasoline purchases up to $3000 (1% thereafter). There is no limit to the amount of cash rebates that can be earned.
In addition to the cash rebates, the card does provide several benefits and services that are commonly found with American Express® credit cards, such as purchase protection, auto rental insurance, and travel accident insurance.
The card has an above average interest rate for purchases and balance transfers (for a reward card). There is no annual fee with a paid Costco membership. Cardholders can also take advantage of the 0% introductory offer on purchases for three months and the very low baFeatures: Earn a $25 statement credit with your first purchase!
[Click Here for a Full Review] |
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| 0% for 6 months |
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No Annual |
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| IberiaBank Visa® Gold Cash Back Rewards Card |
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The IberiaBank Visa® Gold Cash Back Rewards Card, issued by IberiaBank, is designed for those with good credit who would like to take advantage of the cash reward program.
Through the rewards program, cardholders earn 1% in cash back credit on all qualifying purchases. There is no limit to the amount of rebates cardholders may earn and rebates do not expire for the life of the account.
The card has no annual fee and the interest rate for purchases is reasonably low for a rewards card (for those who qualify). Plus, the card offers a low introductory rate on balance transfers submitted during the first three months for the first six months of membership.
In addition to the cash rebate, cardholders have access to common gold benefits, such as up to $500,000 in travel accident insurance, lost and stolen card reporting, and various online account services.
Therefore, those who qualify for the lowest rate offered, do not want to pay an annual fee, and plan to take advantage of the cFeatures: Various Internet account related services.
Lost and stolen card reporting.
Up to $500,000 in travel accident insurance.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 1.99% APR for 6 Months |
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$0 |
Rebate |
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| Biodegradable Discover® More Card |
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Show off your eco-savvy with the Biodegradable Discover® More Card! Issued by Discover, the Biodegradable Discover® More Card is the only credit card that will biodegrade in landfill or compost-like conditions.
This card is as easy on your wallet as it is on the planet. Through the rewards program, cardholders earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically.
As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.
There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up toFeatures: Various card designs to select from.
Various Internet account related services.
Up to $500,000 in travel accident insurance.
Fraud and security protection services.
Auto rental insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
4.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Months |
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$0 |
Rebate |
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| Discover® More® Card - Clear |
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Discover's Discover® More#174; Card - Clear is ideal for those with very good credit who want a cash reward credit card.
Through this card's reward program, cardholders are able to earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Up to 1% can also be earned on general purchases and .25% for purchases made at select warehouse clubs and discount stores.
The way rebates can be earned is quite simple. Those who spend up to $1,500 on general purchases will receive a .25% rebate. If a cardholder spends between $1,500 and $3,000, a .5% rebate will be earned. Any general purchase expense yields a 1% rebate to the cardholder.*
As an added bonus, cardholders can earn up to a double Cashback Bonus® when they redeem their rebates for gift certificates from participating Discover® Card Partners. What's more is that with the Discover® More#174; Card Clear, there is no annual cap on the amount of rebates that can be earFeatures: Various card designs to select from.
Various Internet account related services.
Emergency card replacement.
Fraud and security protection services.
Auto rental insurance.
Up to $500,000 in travel accident insurance.
Discounts on products and services at participating merchants and retailers.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for 6 Months |
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$0 |
Rebate |
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| Discover® Motiva(SM) Card |
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The Discover® Motiva(SM) Card, issued by Discover, is designed for those with very good credit who are looking to earn cash rewards by paying on time and making purchases.
Through the reward program, cardholders who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate. Cardholders will also earn .25% for purchases made at select warehouse clubs and discount stores.
As an added bonus, cardholders are eligible to earn a 5%-20% cashback bonus at participating online retailers through Discover's exclusive online shopping site. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36 month period.
Cardholders will also be eligible to earn a pay-on-time bonus. Each time cardholders make six on-time payments in a row they will receive a credit towards the payment of their next month's interest. CFeatures: Various Internet account related services.
Fraud and security protection services.
No liability for unauthorized transactions.
Up to $500,000 in flight insurance.
Auto rental insurance.
Access to Pay-On-Time Bonus.
Access to 5%-20% Cashback Bonus at top online retailers through Discover's exclusive online shopping site.
Flexible payment due dates.
See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 3.99% APR for 6 Months* |
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$0 |
Rebate |
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| Chase FreedomSM |
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The Chase FreedomSM credit card, issued by Chase, is designed for those who have good or excellent credit and who plan to take advantage of the cash rewards program.
This card offers a 0% introductory rate on purchases and balance transfers. The length of the introductory period varies based on the individual's application and credit history.
Through the rewards program, cardholders earn 3% cash back in rotating categories such as gas, home improvement and department stores. Up to 20% cash back at select merchants can be earned when you shop online through Chase. Cardholders will also earn a 1% rebate for each $1 of net purchases. There are no spending tiers or earning caps, and cash rebates never expire.
Beyond the rewards program, this card offers limited cardholder benefits, such as zero liability for unauthorized transactions. Chase FreedomSM has no annual fee and a reasonable APR for purchases for those who quaFeatures: See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR for up to 6 Months on Purchases |
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$0 |
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