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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Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
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Credit Score
Approval Data *
714 Average score
approved
642 Lowest score
approved
Intro APR
Purchases

0%

until May 2015
Intro APR
Balance Transfer

0%

until May 2015
Annual Fee

$0

Regular APR

12.9% – 22.9%*

Variable
Editor Review
The new Capital One® Quicksilver® Cash Rewards credit card has been released. Designed to replace the Capital One Cash Rewards card, the card offers straightforward rewards and no annual fee, no foreign transaction fees, and no cash back redemption thresholds. Although the interest rates are average, it is a great all-purpose rewards card, partic... Read More
Pros
  • Simple cash-back program
  • Good for foreign travel
Cons
  • Need excellent credit
  • Other recommended credit cards

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Barclaycard® Rewards MasterCard® - Average Credit

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
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Intro APR
Purchases

N/A

Intro APR
Balance Transfer

N/A

Annual Fee

$0

Regular APR

24.99%*

Variable
Credit Score Approval Data * 658Average score approved 595Lowest score approved

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Discover it® chrome

  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. ...
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Intro APR
Purchases

0%

14 Months
Intro APR
Balance Transfer

0%

14 Months
Annual Fee

$0

Regular APR

10.99% - 22.99%*

Variable
Credit Score Approval Data * N/AAverage score approved N/ALowest score approved

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Alliant Credit Union Platinum Rewards Credit Card

  • Get 10,000 rewards bonus points after you spend $500 or more on purchases during the first 90 days
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Intro APR
Purchases

0%

12 Months
Intro APR
Balance Transfer

0%

Annual Fee

$0

Regular APR

11.24% - 23.24%*

Variable
Credit Score Approval Data * N/AAverage score approved N/ALowest 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.

* This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.


See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms & conditions on the credit card issuer's website. Please note that Mybanktracker has financial relationships with some of the merchants mentioned here, and may be compensated if consumers choose to utilize the links located throughout the site.

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Intro APR
Purchases

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