Cash Back Credit Cards

Credit cards offering cash rebates on every purchase. Ranked by percentage of cash back per purchase. (NOTE: Credit card rates change fairly regularly -- check the terms and conditions of each card to be sure the interest rates shown here are accurate.) Last Updated: July 14, 2008.

  • Capital One No Hassle Cash Rewards - Cash Back Offer: Earn 2% cash back on purchases at gas stations, and major grocery and drug stores, earn 1% cash back on all other purchases. Ongoing APR: 14.9% fixed rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Discover More Card (formerly Discover Platinum) - Cash Back Offer: Earn a full 5% Cashback Bonus in categories that change four times a year, such as travel, apparel, home, gas, restaurants, movies and more; earn up to a 1% Cashback Bonus on all other purchases. Ongoing APR: As low as 10.99%, as high as 18.99% variable rate*. Introductory APR: 0% for first 6 months. Balance Transfer Rate: 0% for first 12 months. Annual Fee: None. (click for all terms and conditions.)

  • Citi Professional Cash Card - Cash Back Offer: Earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals. Plus, earn 1% cash back on all other purchases. Ongoing APR: 9.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: Same as standard rate. Annual Fee: None. (click for all terms and conditions.)

  • Discover Open Road Card (formerly Discover Gas Card) - Cash Back Offer: Earn a full 5% Cashback Bonus on gas purchases and auto maintenance purchases, and up to 1% Cashback on all other purchases. Ongoing APR: As low as 10.99%, as high as 18.99% variable rate*. Introductory APR: 0% for first 6 months. Balance Transfer Rate: 0% for first 12 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Chase PerfectCard MasterCard® - Cash Back Offer: Earn a full 6% cash back on all gas purchases for 90 days, earn a full 3% cash back afterward; earn a full 1% cash back on all other purchases. Cash back rebates are automatically credited toward future purchases made with the card. Ongoing APR: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for the first 6 billing cycles. Balance Transfer Rate: 0% for 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Citi Home Rebate Platinum Select Card - Cash Back Offer: Earn a full 6% rebate on utility bills, cable/satellite TV bills, Internet and other telecommunications services for 6 months, then 1% cash back on these purchases; also earn 1% cash back on all other purchases; earnings can go toward your home mortgage or statement credit. Ongoing APR: 9.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: 0% for 12 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Citi Dividend Platinum Select Card - Cash Back Offer: Earn a full 5% cash back on purchases at gas stations, supermarkets, drug stores, convenience stores and on utility bills (including cable TV) for six months, then 2% cash back on these purchases; also earn a full 1% cash back everywhere else. Ongoing APR: 10.99%, or 14.99% or 18.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: 0% for up to 12 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Chase Freedom Credit Card - Cash Back Offer: Earn a full 3% cash back on purchases in the three categories where you spend the most each month. For example, if your highest total amount of credit card purchases are at grocery stores, gas stations, and fast food restaurants in a particular month, those categories would earn 3% cash back. Plus, earn a full 1% cash back on all other purchases. Get a bonus $50 cash back after your first card purchase. Ongoing APR: 14.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • HSBC Platinum MasterCard with Cash Back Rewards - Cash Back Offer: Earn a full 1% cash back on purchases. Ongoing APR: As low as 8.99%, as high as 19.80% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 0% for 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Blue Cash from American Express - Cash Back Offer: Earn up to 5% cash back on purchases at supermarkets, gas stations and drug stores, and up to 1% everywhere else. Ongoing APR: 9.99%, or 11.99%, or 14.99% variable rate*. Introductory APR: 0% for first 6 months. Balance Transfer Rate: 4.99% for the life of balances transferred at time of application. Annual Fee: None. (click for all terms and conditions.)

  • Chase Free Cash Rewards Visa® Card - Cash Back Offer: Earn 1 point per dollar in purchases, get a check for $25 or $25 gift certificate from partner retailers with every 2,500 points earned. Ongoing APR: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for first 12 billing cycles. Balance Transfer Rate: 0% for 12 billing cycles. Annual Fee: None. (click for all terms and conditions.)

  • One from American Express - Cash Back Offer: 1% cash back is rebated into an FDIC-insured High-Yield Savings Account in your name, with a current Annual Percentage Yield of 2.75%. Get a bonus $50 added to your account after first card purchase. Ongoing APR: 10.99%, or 11.99%, or 12.99% variable rate*. Introductory APR: Same as standard rate. Balance Transfer Rate: Same as standard rate. Annual Fee: None for first year, then $35/year. (click for all terms and conditions.)

  • Bank of America Financial Rewards® Visa® Platinum Plus® Card - Cash Back Offer: Earn one point for every $100 in purchases, one point equals $1.00 cash back. Ongoing APR: 10.99% variable rate*. Introductory APR: Same as standard rate. Balance Transfer Rate: 0% for first 6 billing cycles. Annual Fee: None. (click for all terms and conditions.)

  • Citi CashReturns Card - Cash Back Offer: Earn a full 1% cash back on all purchases, plus a bonus 20% on cash earned in the first 12 months. Checks are sent to you automatically every time you've earned $50. Ongoing APR: 9.99% or 13.99% or 17.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: 0% for 12 or 6 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Fidelity Investments Rewards Visa Credit Card - Cash Back Offer: Earn 1 point per dollar; every 5,000 points equals $75 into your Fidelity IRA, which equals a 1.5% cash back reward. You can choose to redeem points for other rewards, too. Ongoing APR: 14.99% fixed rate*. Introductory APR: Same as standard rate. Balance Transfer Rate: 0% for 12 months, then same as standard rate. Annual Fee: None. (click for all terms and conditions.)

  • Costco True Earnings Card from American Express - Cash Back Offer: Earn 3% cash back on gas and restaurant purchases, 2% on travel purchases and 1% cash back everywhere else. Ongoing APR: 14.99% variable rate*. Introductory APR: 0% for first 3 months. Balance Transfer Rate: 1.99% for 6 months on balances transferred within 40 days. Annual Fee: None for Costco members; otherwise you must get a Costco membership, starting at $50. (click for all terms and conditions.)

  • American DreamCard MasterCard - Cash Back Offer: Not direct cash back BUT each dollar spent with card equals one entry in American DreamCard's monthly drawing, in which one person wins at least $25,000 or more depending on amount of charges by all entrants during the period. Ongoing APR: 14.99% or 21.99% variable rate*. Introductory APR: Same as standard rate. Balance Transfer Rate: Same as standard rate. Annual Fee: None. (click for all terms and conditions.)

  • Discover Motiva Card - Cash Back Offer: Earn up to 1% Cashback Bonus on all purchases, plus get one month's interest refunded back to you every time you make on-time payments for six straight months. Ongoing APR: As low as 10.99%, as high as 18.99% variable rate*. Introductory APR: 3.99% for first 6 months. Balance Transfer Rate: 3.99% for 12 months, then same as standard rate. Annual Fee: None. (click for all terms and conditions.)

  • Bank of America Cash Rewards Platinum Plus® MasterCard® - Cash Back Offer: Earn a full 1% cash back on purchases. When earnings reach $50, you get a $50 statement credit. Ongoing APR: 9.99% or 15.99% fixed rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: 0% for 12 billing cycles. Annual Fee: None. (click for all terms and conditions.)

  • AARP Rewards Platinum Visa Credit Card - Cash Back Offer: Earn a full 1% cash back on purchases, redeem for cash or gift certificates. Ongoing APR: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for first 6 billing cycles. Balance Transfer Rate: 0% for 6 billing cycles. Annual Fee: None. (click for all terms and conditions.)

  • Children's Wish Foundation Cash Rewards Visa Platinum - Cash Back Offer: Earn 1% cash back on all purchases. Ongoing APR: As low as 11.24%, as high as 20.24% variable rate*. Introductory APR: 0% for first 6 billing cycles. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • EmigrantDirect Platinum MasterCard - Cash Back Offer: Earn cash back that goes into your EmigrantDirect savings account. Earn either 1.40% cash back (if you keep $10,000 or more in your savings account) or 0.5% cash back (for any balance below $10,000). Ongoing APR: 12.99%, or 15.99%, or 19.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • optionsXpress Platinum Visa - Cash Back Offer: Earn points equivalent to 1% cash back; with each 1500 points a $15 rebate is deposited into your optionsXpress investment account. Ongoing APR: 8.99%, or 12.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Smith Barney Platinum Select MasterCard - Cash Back Offer: Earn 1% cash back; rebate is deposited into your Smith Barney brokerage account each December. Ongoing APR: 10.99% variable rate*. Introductory APR: 0% for 6 months. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • US Bank Cash Rewards Visa Platinum Card - Cash Back Offer: Earn 1% cash back on all purchases. Ongoing APR: As low as 9.24%, as high as 20.24% variable rate*. Introductory APR: 0% for first 6 billing cycles. Balance Transfer Rate: 0% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

  • Wells Fargo Cash Back Platinum Credit Card - Cash Back Offer: Earn up to 1% cash back on all purchases. Ongoing APR: As low as 12.10%, as high as 21.75% variable rate*. Introductory APR: 0% to 5.9% for first 6 billing cycles. Balance Transfer Rate: 0% to 5.9% for first 6 billing cycles, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)
* variable rate = credit card interest rate changes in line with federal interest rates or other rate index; fixed rate = credit card rate stays the same regardless of changes in federal rates, but still may be changed by credit card issuer in the future.

Related Categories: Rewards Credit Cards, Travel and Airline Credit Cards, Gas Credit Cards, Automotive Credit Cards

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