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.)

  • Discover® More(SM) Card (formerly Discover Platinum) - Cash Back Offer: Earn a full 5% Cashback BonusŪ in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many 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 6 months. Annual Fee: None. (click for all terms and conditions.)

  • True Earnings® Card from Costco and American Express - Cash Back Offer: Costco credit card allows you to earn 3% cash back on gas and restaurant purchases, 2% on travel purchases and 1% cash back everywhere else. Get a $25 statement credit after first card purchase. Ongoing APR: 13.24% variable rate*. Introductory APR: 0% for first 3 months. Balance Transfer Rate: 1.99% for 6 months on balances transferred within 30 days. Annual Fee: None for Costco members. (click for all terms and conditions.)

  • Discover® Open Road(SM) Card (formerly Discover Gas Card) - Cash Back Offer: Earn a full 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month, 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 6 months, then same as ongoing. 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.)

  • 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: $0, $39, or $59. (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: 9.24%, or 13.24%, or 18.24% 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 9.24%, as high as 18.24% 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.)

  • Citi CashReturns Card - Cash Back Offer: Earn a full 1% cash back on all purchases. Ongoing APR: 9.99% or 13.99% or 17.99% 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.)

  • Dollar Bank Valued Customer Visa - Cash Back Offer: Earn a full 1.25% cash back on all purchases. Ongoing APR: 10.24% variable rate*. 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 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: 7.24%, or 11.24%, or 18.24% 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: 9.24% 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 7.24%, 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 10.65%, as high as 21.65% variable rate*. Introductory APR: 0% to 5.9% for first 6 or 9 billing cycles. Balance Transfer Rate: 0% to 5.9% for first 6 or 9 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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