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)**-
Ongoing Interest Rate:As low as 11.99%, as high
as 19.99% variable rate*.Introductory APR: 0%
for 6 months on purchases. Balance Transfer Rate: 0% for 12 months, 5% balance
transfer fee applies. Annual Fee: None. Also:
Offers 5% Cashback Bonus 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.(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: 15.24% variable rate*. Introductory APR:
0% for first 6 months. Balance Transfer Rate: Same as ongoing. Annual
Fee: None for Costco members.
(click
for all terms and conditions.)
Chase FreedomSM Card
- Cash Back Offer: 3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores. Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn. Up to an additional 20% cash back at select merchants when you shop online through Chase..Ongoing APR: As low as 12.99% Variable.
Introductory APR: 0%*. Introductory Length: 12 months on balance transfers; 6 months on Purchases.
Balance Transfer Fee: 5% ($10 minimum). Balance Transfer Length:5% ($10 minimum).
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 11.99%, as high
as 19.99% 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.)
Iberiabank
Visa Gold -
Cash Back Offer: Earn 1% in cash back credit on all qualifying
purchases. No limit on cash back; no expiration date on eligibility for
accounts in good standing.Ongoing APR: Variable Rate APR ranging from "Prime + 5.5%
- Prime + 12%" depending
on creditworthiness and other factors.
Introductory APR: Same as ongoing.
Balance Transfer Rate: 1.99% for 6 months, then same as ongoing
rate.
Annual Fee: None.
Purchase and Cash Advance APR's may vary with the market based on the Prime Rate.
(click for all terms & 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.)
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.)
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 11.99%, as high as 19.99%
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.)
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.
** See the online Discover 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 Now" button, you can review the credit card terms and
conditions on Discover's website.