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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Iberiabank Visa® Gold Card
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
- Introductory APR on Balance Transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- 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
- Online access to credit card account information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 1.99% on balance transfers for 6 billing cycles |
9.25%, 12.25%, or 15.25% |
|
$0 |
Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases and balance transfers for 14 months |
10.99% - 22.99% (V)* |
|
$0 |
Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases for 6 months and 0% on balance transfers for 18 months |
10.99% - 22.99% (V)* |
|
$0 |
Blue Cash Everyday® Card from American Express
- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases for 12 months |
12.99% - 21.99% Variable |
Excellent |
$0 |
Discover® More Card
- 0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% - 20.99%*
- Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It's free and easy to sign up.*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% introductory APR on purchases and balance transfers for 14 months |
10.99% - 20.99% (V)* |
|
$0 |
Discover® Motiva Card
- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% - 20.99%* |
10.99% - 20.99% (V)* |
|
$0 |
TrueEarnings® Card from Costco and American Express
- 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
- 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
- Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon
- The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members
- Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
- Terms and restrictions apply.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases for 6 months |
15.24% variable |
Excellent |
No Annual |
Discover® More Card - 18 Month Promotional Balance Transfer
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard
purchase APR of 10.99% - 20.99%*
- Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It's free and easy to sign up.*
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability, you're never responsible for unauthorized charges on your
Discover card account, plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR on Purchases for 6 months and 0% APR on Balance Transfers for 18 months. |
10.99% - 20.99% (V)* |
|
$0 |
Citi® Dividend Platinum Select® Visa® Card
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0%* on purchases and balance transfers for 12 months* |
12.99%-22.99%* (Variable) |
|
$0* |
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back on eligible purchases at Zappos.com, fitness clubs and drugstores from 1/1/13 through 3/31/13 when you enroll.
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 12 Months* |
12.99% - 22.99%* (Variable) |
|
$0* |
Discover it®
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy signup.
- Unlimited 1% cash back on all other purchases.*
- *Click apply for Terms & Conditions.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases and balance transfers for 14 months |
10.99% - 20.99% (V)* |
|
$0 |
Discover it®
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy signup.
- Unlimited 1% cash back on all other purchases.*
- *Click apply for Terms & Conditions.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on purchases for 6 months and 0% on balance transfers for 18 months |
10.99% - 20.99% (V)* |
|
$0 |
