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 List

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.

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.

REI Credit Card

  • Get a $100 REI Gift card on making an eligible net purchase within 60 day of account opening.
  • 5% back on all REI purchases including full-price and discount-price items, REI gift cards, services, fees and REI Adventures-invoiced trip payments; 1% back on everyday purchases.
  • The 5% and 1% are added to the REI member refund (typically 10% on eligible REI purchases).
  • Refer a friend and ask them to apply for a REI Mastercard at reimastercard.com/raf and earn a $20 gift card in the mail after your friend applies for the card and is approved. There's no limit on how many $20 Refer-a-Friend gift cards you can earn.

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.

HSBC Cash Rewards Mastercard®

The HSBC Cash Rewards Mastercard provides an easy 1.5% cash back for every purchase you make. There are no bonus reward categories, and no limit to the amount of cash back you can earn.There’s also a pretty good signup bonus to reach. And cardholders get a 10% annual bonus on all the cash back they earned in the year.The extra benefits are pretty simple. But this card has no annual fee and a 15-month 0% intro APR for balance transfers, making it a very low-cost option.

MasterCard Credit Cards

First Progress Platinum Elite MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option

Citi® Secured Mastercard®

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)

First Progress Platinum Select MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option

AAdvantage® AviatorTM Red World Elite MasterCard®

  • First checked bag free for the primary cardmember and up to 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines
  • Earn 2X miles for every one dollar you spend on eligible American Airlines purchases
  • Group 1 boarding for the primary cardmember on domestic itineraries operated by American Airlines
  • Earn 1X miles on all other purchases
  • 10% of your redeemed miles back (10,000 maximum per calendar year)
  • No foreign transaction fees
  • 25% inflight savings on food, beverages, and headsets on American Airlines-operated flights
  • $95 annual fee

Indigo® Unsecured Mastercard®

Pre-qualify today without an impact on your credit score. Helping consumers with limited or damaged credit make a fresh start for over 12 years. Access your account online or from your mobile device 24/7. Protection from fraud if your card is stolen. Account history is reported to the three major credit bureaus in the U.S.

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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Cash Back Credit Cards Tips

  1. If you want to know your Cash Back Credit Cards payment details, like your credit card balance. Please contact the Cash Back Credit Cards customer service or get a Cash Back Credit Cards application.
  2. In order to manage your Cash Back Credit Cards payment online, you need to log in to the Cash Back Credit Cards official website.
  3. About Cash Back Credit Cards login and how to apply for a Cash Back Credit Cards, you need to go to the official website.
  4. Getting a Cash Back Credit Cards application will be a lot of convenience, contact the Cash Back Credit Cards customer service or go to the Cash Back Credit Cards official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Cash Back Credit Cards phone numbers is correct, there will be text alerts.

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