Cash Back Rewards Programs
Cash back reward programs are one of the most popular types of credit card rewards. The reward basis is more flexible than other programs because cash rebates can be spent on anything the cardholder chooses. Depending on which card you choose, cash back rewards may be received as gift certificates, credits to your account, or a check sent to you in the mail.
Cash back percentages often increase in line with how much is spent on the card or what types of purchases are made. However, some programs offer the same percentage no matter how much is spent. It is important that the cardholder understands exactly which spending activities will generate rebates and how much those rebates will be. Most cards offer a 1% or 1.5% rebate on general purchases and a higher percentage on specified goods and services, usually up to 5%.
Browse our Cash Back reward credit cards below
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Discover® More(SM) Card- American Flag
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Blue Cash® from American Express
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 11.99% |
Any |
$0 |
Clear from American Express®
- No Fees of Any Kind. No Annual Fee, No Late Fees, No Over-Limit Fees, No Balance Transfer Fees, No Cash Advance Fees
- 0% Intro APR for Up to 12 Months
- Automatic Rewards. You'll Get an American Express Branded Shopping Card Worth $25 Delivered Straight to Your Door Every Time You Spend $2,500
- Pay in Full, or Carry a Balance
- Express Approval. Get a Decision in Less than 60 Seconds
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 11.99% |
Any |
$0 |
Citi CashReturns(SM) MasterCard®
- Earn Up to 6% Cash Back on Purchases; a Full 1% Cash Back on Every Purchase PLUS an Average 5% Additional Cash Back at 400 Leading Retailers Within the Citi Bonus Cash Center.
- Earn a 20% Bonus on the Cash Back Earned on All Purchases for the First 12 Months
- Checks Will Be Sent Automatically Every Time You Earn $50
- 0% APR* on Balance Transfers for up to 12 Months
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 9.74% |
Any |
$0 |
Discover® More(SM) Card
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® More(SM) Card - Sealife Collection
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® More(SM) Card - Clear
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card
- *Earn 1% Cash Back on All Purchases with No Limit to How Much You Can Earn and No Fees to Redeem Your Cash Back Credit
- *No Annual Fee
- *100% Fraud Protection
- *Free Online Account Management
- *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 15 Billing Cycles
- Card Issued by FIA Card Services, N.A.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 15 Billing Cycles |
Between 9.9% and 19.99% |
Very Good |
$0 |
Discover® Motiva(SM) Card
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Free Payment by Phone or Online Even on Your Payment Due Date
- Choose a Payment Due Date That Meets Your Needs
- No Annual Fee
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 3.99% Intro APR* |
10.99% |
Any |
$0 |
Bank of America Accelerated Cash Rewards™ American Express® Card
- Earn 1.25% Cash Back - Every Purchase, Every Time
- 0% Intro Annual Percentage Rate (APR)* on Balance Transfers and Cash Advance Checks for Your First 15 Billing Cycles
- No Annual Fee and the Flexibility to Pay Over Time
- Get Cash Back Your Way - Choose From a Check, Statement Credit, or Direct Deposit Into Your Checking or Savings Account
- Access to Special Cardmember Offers On Shopping, Dining, Travel, Hotels, and Much More!
- Card Issued by FIA Card Services, N.A.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 15 Billing Cycles |
Between 9.9% and 19.99% |
Any |
$0 |
IberiaBank Visa® Gold Cash Back Rewards Card
- Earn 1% in Cash Back Credit on All Qualifying Purchases
- No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
- Travel Accident Coverage Up to $500,000
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 8.50%* |
Good |
$0 |
HSBC Weekend Card®
- Earn a Full 2% Cash Back on Every New Net Retail Purchase Made On Saturdays and Sundays
- Receive 1% Cash Back On New Net Retail Purchases Made Monday Through Friday
- Simple and Straightforward: No Earnings Caps, Spending Requirements, Tiers, or Point Expiration
- No Annual Fee
- Platinum Benefits Include Unlimited Purchase Protection, Extended Warranties, and Rental Car Insurance
- 0% Introductory APR On Card Purchases and Balance Transfers For 12 Months With No Annual Fee.*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
8.99% - 17.99% |
Very Good |
$0 |
HSBC Platinum MasterCard® with Cash Back Rewards
- Earn Unlimited 1% Cash Back Rewards On New Net Retail Purchases, Everywhere You Shop!
- Simple and Straightforward Rewards: No Earnings Caps, Spending Categories, Tiers, or Point Expiration
- Platinum Benefits Include Unlimited Purchases Protection, Extended Warranties, and Rental Car Insurance
- 0% Introductory APR On Card Purchases and Balance Transfers for 12 Months and No Annual Fee.*
- Instant Decision In As Little As 60 Seconds
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
8.90% - 19.80% |
Very Good |
$0 |
Discover® More(SM) Card - Wildlife Collection
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Financial Rewards® Visa® Platinum Plus® Card
- 0% Fixed Intro APR on Balance Transfers
- No Annual Fee
- Get Cash Back on Purchases - as Much as $600 Per Year
- Receive 5 Bonus Points with Your Very First Purchase - 1 Point Equals $1 in Rebates
- Card Issued by FIA Card Services, N.A.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Billing Cycles |
As low as Prime + 5.99 |
Very Good |
$0 |
Discover® More(SM) Card - Monogram
- Earn More Cash in More Ways Than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards With More than 80 Cashback Bonus® Partners*
- 0% Intro APR*
- Choose Your Personalized Design
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Capital One® No Hassle Cash(SM) Rewards - Good Credit
- Get 2% Cash Back on Purchases at Gas Stations and Major Grocery Stores and 1% Cash Back on All Other Purchases
- There's No Limit to the Cash Back You Can Earn and Your Cash Rewards Won't Expire
- Save with a 0% Intro APR on Purchases Until October 2009
- You Can Ask For Your Cash Back Whenever You Want or Set Up Automatic Redemptions So You Won't Have to Ask
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until October 2009 |
13.90% |
Good |
$0 |
Capital One® No Hassle Cash(SM) Rewards
- Get a 25% Annual Bonus on the Cash You Earn During the Year
- 1% Cash Back on Every Purchase
- Buy What You've Been Dreaming of and Pay No Interest Until May 2009
- There's No Limit to the Cash Back You Earn and Your Rewards Won't Expire
- Redeem Cash Whenever You Want
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases until May 2009 |
16.90% |
Average |
$29 |
TrueEarnings® Card from Costco and American Express
- Earn Cash Back On Gas and a $25 Statement Credit With Your First Purchase Made With the Card!
- Earn Cash Back Virtually Everywhere You Go - 3% for Gasoline, 3% for Restaurants, 2% for Travel, 1% Everywhere Else, Including Costco
- No Annual Fee With Your Paid Costco Membership
- The TrueEarnings Card Serves as Both Your American Express Credit Card and Your Costco Membership Card
- No Limit on the Cash Back Earned
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 3 Months |
13.99% |
Any |
$0 |
