Cash Back Credit Cards
Check out these amazing offers on Cash Back credit cards
The credit cards listed below for 2012 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:
Blue Cash EverydaySM Card From American Express - Earn Cash Back Right Away - with No Annual Fee
- Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
Chase Freedom® Visa
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Blue Cash PreferredSM Card From American Express - $150 Welcome Bonus
- Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $75 Referral Bonus for each friend or family member who is approved for the Card
- The annual fee pays for itself. With 6% cash back at supermarkets, if you spend just $25 weekly at your supermarket, you can receive over $75 cash back from these purchases alone.
Discover® More® Card
- 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Discover® More Card - 18 Month Promotional Balance Transfer
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Discover® Open Road Card
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
TrueEarnings® Card from Costco and American Express - 3% for the First $3K in Annual Gas Purchases
- American Express® Card and Costco Membership Card in one -- with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
Discover® MotivaSM Card
- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Blue Sky Preferred® from American Express - 15K Extra Points After $1K Spend in First 3 Months
- Earn 15,000 extra points when you spend $1,000 within the first 3 months
- Earn free travel fast at a low annual fee of $75
- You decide if you want to pay charges overtime or pay in full
- 2X points on dining, hotels, and car rentals
- $100 Annual Airline Allowance to cover baggage fees and many in-flight purchases
- Offers a wide range of discounts and extras at hotels, restaurants, retailers, and more
PenFed Visa® Platinum Cash Rewards Card
- Earn 5% cash back on gas purchases paid at the pump**
- Earn 0.25% cash back on all purchases**
- No annual fee
- No foreign transaction fee
- Cash rewards automatically awarded to your account every month
- No caps, limits or tiers on rewards
- Variable 9.99% introductory purchase rate capped through June 30, 2014. During this time the rate can only decrease if the Prime Rate decreases. After June 30, 2014 the cap will be removed and the APR will increase or decrease with the Prime Rate
- 4.99% APR, a promotional rate on transfers made from April 1, 2012 to June 30, 2012, for life of balance. After that the APR for any new balance transfers will be variable 9.99% APR and will vary with the market based on the Prime Rate. There is no balance transfer fee on transfers made between April 1, 2012 and June 30, 2012. The fee for balance transfers made after June 30, 2012 will return to 3% (Min. $10 - Max. $250) per transaction. This transaction subject to credit approval.
Iberiabank Visa® Gold
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
- Low Introductory APR on Balance Transfers of 1.99% for the first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Green Dot Prepaid Debit Card
- No credit check or bank account required
- No minimum balance
- Access more than 18,000 participating MoneyPass ATMs with no withdrawal fees
- Direct deposit your payroll or benefit check
- Simple fee plan with no overdraft fees
- Pay No Monthly Charge in any month that you have at least 30 purchases post to your Card or load $1,000
Other Cash Back Credit Card Offers to Consider
Cash Back Offer: Earn $100 Bonus Cash Back after you make $500 in purchases in your first three months. 5% Cash Back on up to $1,500 spent in bonus categories each quarter in popular categories like gas, department stores and more. Unlimited 1% Cash Back on all other purchases. Ongoing APR: 12.99 - 22.99% Variable. Introductory APR: 0%. Introductory Length: 15 months on purchases and 15 months on balance transfers. Balance Transfer Fee: 3% ($5 minimum). Annual Fee: None. (click for all terms and conditions.)
Blue Cash Everyday(SM) from American Express
Cash Back Offer: Earn up to 3% cash back at supermarkets and 2% cash back at gas stations and department stores. Ongoing APR: 17.24%-22.24% variable rate. Balance Transfer Fee: 3% Annual Fee: None. Also: This card offers up to 1% cash back for all other purchases. There is no limit on the cash rewards you can earn. Receive your cash back automatically as a statement credit. Flexibility to pay over time. (click for all terms and conditions.)
Cash Back Offer: Earn up to 1% Cashback Bonus on all purchases, plus earn Cashback Bonus for your good credit management. Ongoing APR: 10.99-20.99% variable rate*. Introductory APR: 0% on purchases for full 15 months. Introductory Length: 15 months. Balance Transfer Fee: 3% with introductory balance transfer offer, after that balance transfer fee is 5%. Balance Transfer Length: 15 months. Annual Fee: None. (click for all terms and conditions.)
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 9.25%, 12.25%, or 15.25% ranging from "Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%" as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. Introductory APR: Same as ongoing. Introductory Length: 6 Months. Balance Transfer Fee: 2% Balance Transfer Length: 6 months. Annual Fee: None. Purchase and Cash Advance APR's may vary with the market based on the Prime Rate. (click for all terms & conditions.)
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 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. Introductory Length: 6 months. Balance Transfer Fee: 0% for 6 billing cycles. Balance Transfer Length: None. 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.)
Cash Back Offer: Earn 2% Cashback Bonus on your first $250 in combined gas station and restaurant purchases each billing period, and up to 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000. Ongoing APR: 10.99%-19.99% variable rate*. Introductory APR: 0% on purchases for 15 months. Introductory Length: 15 months. Balance Transfer Fee: 3%. Balance Transfer Length: 15 months. 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: 12.24% 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: 13.42-19.24% variable rate*. 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.)
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: 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 APR: 11.15 - 23.15% variable rate*. 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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"As comprehensive a list as you'll find of all the credit card offers on the table now."
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