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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.)

TOP PICKS
Discover® More(SM) Card (formerly Discover Platinum)
Discover® More(SM) Card**


  • 0% for 6 months on purchases
  • 0% for 12 months on balance transfers
  • 5% balance transfer fee.

Apply Now
 
True Earnings® Card from Costco and American Express
True Earnings® from Costco/Amex


  • 0% APR for 3 months
  • Earn 3% cash back on gas/restaurants
  • Interest Rate: 13.24% variable rate

Apply Now
 
Chase Freedom Card
Chase Freedom Card


  • 3% bonus cash back in poplar categories
  • 1% cash bank on everything else
  • 0% Intro APR and no Annual Fee

Apply Now
  • 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.)

  • 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.)

  • 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.)

  • 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.)

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

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* 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.

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