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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.
| Blue Cash(R) from American Express |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% on Purchases 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] |
5.0 |
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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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| 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 15 full months, and a 0% introductory APR on purchases for 6 months.
Aside from the rewards 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] |
4.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% APR* |
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$0 |
Rebate |
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| Discover® Motiva Card |
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The Discover® Motiva 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 rewards 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. CardFeatures: 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] |
5.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 3.99% APR* |
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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.
Therefore, those who plan to Features: Earn a $25 statement credit with your first purchase!
[Click Here for a Full Review] |
4.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% on Purchases for 6 months |
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No Annual |
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| Citi® Dividend Platinum Select® MasterCard® |
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The Citi® Dividend Platinum Select® MasterCard® is designed for individuals with good credit who would like to take advantage of the various standard services and benefits provided by Citibank.
This card has a reasonably low variable interest rate for purchases and balance transfers, no annual fee, and an attractive 0% introductory rate that can be applied toward balance transfers for 15 months.
The card does provide several platinum cardholder benefits that include auto rental insurance and fraud protection services. Through the rewards program, cardholders earn a full 1% cash back on all eligible purchases and cash advances, as well as $5 cash back on individual balance transactions of $1,500 or more. Cardholders also enjoy 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10, as well as an average of 5% additional cash back at over 400 leading retailers through the Citi Bonus Cash Center.
Therefore, those who plan to take advantage of tFeatures:
[Click Here for a Full Review] |
0.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% Intro APR for 15 Months* |
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$0* |
Rebate |
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| Discover® More Card - Black |
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The Discover® More Card - Black, 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.
Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discoFeatures: 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% Intro APR |
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$0 |
Rebate |
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| Chase Freedom℠ Visa |
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The Chase FreedomSM Visa 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 5% cash back in quarterly bonus 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 Visa has no annual fee and a reasonable APR for purchases Features: See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 12 months on balance transfers, 6 months on purchases* |
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$0 |
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| Chase Freedom® Visa - $100 Bonus Cash Back |
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The Chase FreedomSM Visa - $100 Bonus Cash Back 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.
Through the rewards program, cardholders earn 5% cash back in quarterly bonus 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. Plus, cardholders will receive a $100 cash back bonus after spending just $799 within the first three months of the account opening!
Beyond the rewards program, this card offers limited cardholder benefits, such as zero liability for unauthorized transactions. Chase FreedomSM Visa - $100 Bonus Cash Back has no annual fee and a reasonable APR for purchases foFeatures: See website for additional benefits.
[Click Here for a Full Review] |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| No Introductory Rate Available |
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$0 |
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| Discover® More Card - $75 Cashback Bonus |
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The Discover® More Card - $75 Cashback Bonus, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card that offers a $75 Cashback Bonus® after you make $500 in purchase within your first three months.
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.
Aside from the reward program, the card also provides several platinum benefits, including up to $500,000 in travel accident insuraFeatures: 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] |
0.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 0% Intro APR |
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$0 |
Rebate |
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| Chase Freedom℠ |
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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 5% cash back in quarterly bonus 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 an unlimited 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 purchasesFeatures: See website for additional benefits.
[Click Here for a Full Review] |
0.0 |
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| Intro APR |
Regular APR |
Annual Fee |
Reward Type |
| 12 months on balance transfers, 6 months on purchases* |
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$0 |
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