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Cash Back Credit Cards

Editors Rating: 4.5/5

Check out these amazing offers on Cash Back credit cards

The credit cards listed below for 2014 really pay off by offering you cash back on your purchases.  Many of these offers are only available for a limited time, so take advantage of them right now.

Cash back credit cards are card offers that promise a percentage of your purchase back in the form of a cash back rebate.  So are they a good deal, or just a marketing gimmick? The answer is in the details--both of the cards themselves, and how you plan to use them.

Before you fill out a credit card application for a cash back rewards offer, there are several things you should know about the details of the offer. Plus, you need to have a game plan for how you will use the card, and how you will redeem your benefits.

Armed with the right information, you can make cash back rewards credit cards work to your advantage.

How to choose a cash back rewards credit card offer

When you start to research cash back rewards credit card offers, here are the basic elements you should identify:

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Apply online forDiscover it® card
Apply Now
Credit Needed:
Excellent

Discover it® card


Editor's Rating:4 Stars
  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service--anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply online forDiscover it®
Apply Now
Credit Needed:
Excellent

Discover it®


Editor's Rating:4 Stars
  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service--anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply online forDiscover it® chrome
Apply Now
Credit Needed:
Excellent

Discover it® chrome


Editor's Rating:5 Stars
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
Apply online forDiscover it® chrome BT
Apply Now
Credit Needed:
Excellent

Discover it® chrome BT


Editor's Rating:5 Stars
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100 % U.S. based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
Apply online forPenFed Platinum Cash Rewards Visa® Card
Apply Now
Credit Needed:
Excellent

PenFed Platinum Cash Rewards Visa® Card


Editor's Rating:5 Stars
  • Plus Card: 5% cash back on gas paid at the pump with a qualifying PenFed product*
  • Plus Card: No annual fee
  • Standard Card: 3% cash back on gas purchases paid at the pump
  • Standard Card: $0 First Year, then $25 Annual Fee
  • No foreign transaction fee
  • Cash rewards automatically awarded to your account every month
  • No limit to cash reward earnings
  • * PenFed qualifying products include: An active checking account with direct deposit ($250 min.); a money market certificate or IRA certificate; a mortgage; an installment loan (auto loans, boat loans, motorcycle loans, travel trailer loans, personal and educational loans); an equity loan or equity line of credit with a balance; thrifty credit service, personal line of credit, education line of credit, money market savings accounts.
IndexCreditCards.com is not a lender service and does not issue credit cards, charge cards or any other credit products. IndexCreditCards.com contains links to third party websites which have paid for a link to their website. Offers are subject to change without notice and the terms displayed may not be available to all consumers. Please verify all terms and conditions and restrictions of any credit card, charge card or other credit type product prior to applying.

Other Cash Back Credit Card Offers to Consider

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 up to $25,000 depending on amount of charges by all entrants during the period. Ongoing Purchase APR: variable rate, currently 14.99% or 21.99%*. Introductory APR: Same as standard rate. Balance Transfer Rate: Same as standard rate. Annual Fee: $0, $39, or $59. (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 Purchase APR: variable rate, currently As low as 9.24%, as high as 18.24%*. 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.)

Dollar Bank Valued Customer Visa

Cash Back Offer: Earn a full 1.25% cash back on all purchases. Ongoing Purchase APR: variable rate, currently 12.24%*. Introductory APR: 0% for 6 months. Balance Transfer Rate: 0% for 6 months. 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 Purchase APR: variable rate, currently 13.42-19.24% *. Introductory APR: Same as ongoing. Balance Transfer Rate: 1.90% for first 9 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 Purchase APR: variable rate, currently 7.24%, or 11.24%, or 18.24%*. 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 Purchase APR: variable rate, currently 9.24%. Introductory APR: 0% for 6 months. Balance Transfer Rate: 1.99% for first six months, 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 Purchase APR: variable rate, currently 11.15 - 23.15% *. Introductory APR: 0% for six months. Balance Transfer Rate: 0% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)

 

 


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