Cash Back Credit Cards

If you’re looking for the most straightforward way to get rewards by using your credit card, look no further than the cash back card. There’s nothing simpler than swiping and waiting for the dollars to accumulate because cash is very versatile, unlike branded gift cards or airline miles. Find the best cash back card for you below.

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Blue Cash Preferred® Card from American Express
Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply Get Details
Credit Score
Approval Data *		 733 Average score
approved		 682 Lowest score
approved
Intro APR
Purchases

0%

on Purchases for 12
Intro APR
Balance Transfer

N/A
Annual Fee

$75
Regular APR

12.99% – 21.99%*

Variable
Editor Review
Boasting one of the most attractive cash-back programs, the Blue Cash Preferred card from American Express would make a good fit for almost anyone. With 6% cash back at supermarkets, 3% cash back at gas stations and department stores and 1% on everything else, there is plenty of potential to rack up savings on common, everyday purchases. However,... Read More
Pros
  • 0% intro APR on purchases for 12 months
  • Earn 150 Reward Dollars after making $1,000 in purchases in the first three months of Card membership
Cons
  • Annual fee
  • Other recommended credit cards

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Citi® Dividend Platinum Select® Visa® Card
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*. No Annual Fee* Get Details
Intro APR
Purchases

0%

12 Months
Intro APR
Balance Transfer

0%

12 Months
Annual Fee

$0*
Regular APR

12.99% – 22.99%*

Variable
Credit Score Approval Data * 716Average score approved 651Lowest score approved
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Frequently Asked Questions

How do cash back credit cards work?

Cash back credit cards offer cash rewards whenever you use the card to make a purchase. A percentage of the amount spent is given back to you in the form of cash. You accumulate cash back before you redeem it.

Some credit cards offer a flat cash back rate on all purchases while others may offer different levels of cash back based on the types of purchases. For example, there are credit cards that give you bonus cash back on grocery or gas purchases.

Are there any downsides to cash back credit cards?

Because there is a rewards component to cash back credit cards, they tend to carry higher interest rates. Ideally, you pay off the monthly balance on your cash back credit card. Otherwise, your interest charges will offset your cash back earned.

Usually, you can only receive cash back rewards in specific increments. So if you haven’t racked up enough cash back, you will have to wait for it to reach that golden number before being able to cash out.

How do I get the cash back?

The cash back can be redeemed through a deposit to your bank account or by check. Some cash back credit cards even let you redeem the cash back in the form of a statement credit. Cash back credit cards may have limits on how much cash can be earned in a specified time period.

There is typically a minimum amount that has to be accumulated before you can redeem your rewards. Additionally, some cards only allow the accumulated cash be redeemed in fixed increments.

* The credit score approval metrics are only guidelines and approval is not guaranteed. This information is based on data provided by Credit Karma


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