Cash Back Credit Cards

Cash back credit cards can be a great way to earn rewards for the things you buy every day. The typical cash back rate is 1%, although some cash back credit cards offer a higher percentage for certain purchases like groceries and gas. Keep in mind that these cards generally require a good to excellent credit rating for approval and often come with a higher interest rate. If you carry a balance month-to-month, you'll probably end up paying many times over in interest what you get in cash back.

Cash Back Credit Cards (6)

Credit One Bank® Credit Card with Cash Back Rewards

. 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy, terms apply. With $0 Fraud Liability, you won’t be responsible for unauthorized charges. Managing your account is easy with the Credit One Bank mobile app. Pick a card that fits your style. Multiple card designs are available, a fee may apply. Monitor your credit with free online access to your Experian credit score, terms apply. Never miss an account update with customizable text and email alerts.

Credit One Bank® Platinum Visa® with Cash Back Rewards

Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply. CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go. Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges. Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc. Keep an eye on your credit information with free online access to your Experian credit score. Terms apply. Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.

Discover it® - Cashback Match™ Credit Card

Earn 5% cash back at different places each quarter like gas stations, wholesale clubs, grocery stores, restaurants or Amazon.com, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.

Discover it® Cash Back Credit Card

The Discover it Cash Back credit card is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.The Discover it has a 14-month 0% interest rate, a pretty long period for paying off purchases at no interest. There are also some basic shopping and travel protections, plus the ability to monitor one of your FICO 8 Credit Scores.Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.

USAA Cashback Rewards Plus American Express® Card

The USAA Cashback Rewards Plus American Express® Card is a great card for earning rewards. It offers a generous reward of 5% cash back on gas and military base purchases.USAA cards are only available to members of the military, active or honorably discharged, as well as certain members of their family. Click here for details on USAA eligibility.

Discover it® Cash Back Credit Card

The Discover it Cash Back credit card is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.The Discover it has a 14-month 0% interest rate, a pretty long period for paying off purchases at no interest. There are also some basic shopping and travel protections, plus the ability to monitor one of your FICO 8 Credit Scores.Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.

Cash Back Credit Cards

Town Bank Cash Back American Express Card

  • Earn 1.5% cash back on purchases
  • Receive a statement credit automatically every time you earn $25 in cash back
  • Rewards earned never expire!
  • A one-time $50 automatic statement credit when you spend $500 in the first 3 billing cycles
  • No Annual Fee

Discover it® - Cashback Match™ Credit Card

  • New! Free Social Security Number alerts, we%u2019ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you%u2019ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Cashback Rewards Plus American Express® Card

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. After that, earn 1% for the remainder of the year.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year. After that, earn 1% for the remainder of the year.
  • Unlimited 1% cash back on all other purchases.
  • Enjoy no foreign transaction fees when you travel outside of the United States

Citizens Bank Cash Back Plus™ World MasterCard

  • Unlimited 1.5% cash back on every purchase with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back
  • 0% introductory APR on balance transfers for 12 billing cycles, thereafter a 14.99%, 17.99% or 20.99%, variable APR based on your creditworthiness
  • Variable purchase APR of 14.99%, 17.99% or 20.99% applies from account opening based on your creditworthiness
  • No annual fee*
  • No foreign transaction fees
  • No penalty APR for late payments
  • Extended Warranty Protection doubles the original manufacturer%u2019s or store brand warranty for up to two years
  • Price Protection for 120 days from purchase
  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • MasterRental Insurance for collision, loss or damage
  • Zero Liability Protection against unauthorized purchases
  • Travel accident and baggage delay insurance
  • 24/7 online account management
  • Make purchases using Apple Pay%u2122 in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement

Cashback Visa Signature Credit Card

  • Earn $50 bonus credit after you spend $1,000 on purchases in the first 3 months from account opening*
  • Earn 1.25% cash back with no annual fee
  • 0% Intro APR for 12 months on purchases and balance transfers. A variable APR of 13.49%, 17.49%, or 21.49% will apply based on creditworthiness after the introductory period ends. Balance Transfer fee is 3% of the amount transferred with a minimum of $5*
  • No Foreign Transaction Fees
  • EMV Chip enabled to enhance security and ease of use internationally

1. What is a cash back credit card?

As the name implies, cash back credit cards reward your expenses with cash. The cash back amount you get is set to the percentage rate. How much money you can get, or you can have is unlimited. Cash back can be redeemed for your balance, credit card shopping portal, gift card or statement deposited in a bank account.

2. What are the benefits of cash back credit cards?

Get cash directly

Cash back credit cards do not provide points and other credit card rewards, but instead, calculate the total value of monthly expenses and then return some of them in cash.

Sign-up bonus

Many cash back credit cards offer a unique sign-up bonus. This is very valuable for people who want to buy big-ticket items.

No limitations

Some credit cards have limitations about how you can get rewards points and redeem the points you earn. But cash back credit cards are more flexible.

3. What do you need to apply a cash back credit card?

Credit score

Most cash back credit cards require a minimum of very good credits. So cash back credit cards are suitable for people with high credit scores. Don’t feel discouraged if you don’t get approved a cash back credit card, you can try to apply for a rewards credit card instead.

Application

You can apply for a store credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a cash back credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Focus your spending

Because cash back credit cards with few limitations such as no cash back limit usually have a lower cash back rate. Therefore, concentrate your spending on a single card, instead of spacing your shopping across multiple cards, will help you to increase the cash back rate and get more cash back.

Don’t miss out your sign-up bonus

Remember when your sign-up bonus will expire and make sure you can meet the minimum spending requirement to qualify for the bonus, otherwise you maybe miss a few hundreds of dollars.

Plan and budget

Cash back credit cards return cardholders cash as rewards, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

1. What is a cash back credit card?

As the name implies, cash back credit cards reward your expenses with cash. The cash back amount you get is set to the percentage rate. How much money you can get, or you can have is unlimited. Cash back can be redeemed for your balance, credit card shopping portal, gift card or statement deposited in a bank account.

2. What are the benefits of cash back credit cards?

Get cash directly

Cash back credit cards do not provide points and other credit card rewards, but instead, calculate the total value of monthly expenses and then return some of them in cash.

Sign-up bonus

Many cash back credit cards offer a unique sign-up bonus. This is very valuable for people who want to buy big-ticket items.

No limitations

Some credit cards have limitations about how you can get rewards points and redeem the points you earn. But cash back credit cards are more flexible.

3. What do you need to apply a cash back credit card?

Credit score

Most cash back credit cards require a minimum of very good credits. So cash back credit cards are suitable for people with high credit scores. Don’t feel discouraged if you don’t get approved a cash back credit card, you can try to apply for a rewards credit card instead.

Application

You can apply for a store credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a cash back credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Focus your spending

Because cash back credit cards with few limitations such as no cash back limit usually have a lower cash back rate. Therefore, concentrate your spending on a single card, instead of spacing your shopping across multiple cards, will help you to increase the cash back rate and get more cash back.

Don’t miss out your sign-up bonus

Remember when your sign-up bonus will expire and make sure you can meet the minimum spending requirement to qualify for the bonus, otherwise you maybe miss a few hundreds of dollars.

Plan and budget

Cash back credit cards return cardholders cash as rewards, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

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