Cash Back Credit Cards


Rewards programs among the top credit card brands in recent years have expanded to provide consumers and small businesses with a highly competitive assortment of bonuses, perks, and key money saving features that help to set themselves apart from the competition-- one of the most popular among vetted credit card users in the current online credit card market being a wide selection of cash back rewards programs. These cash back rewards allow consumers to enjoy the simple and expedited convenience of gaining valuable money back on transactions that range from key categorized purchases, to complete, across the board cash back rewards packages that allow credit card users to track every purchase through exponential cash back rewards on the dollar.

Below, you can find a rundown of some of our favorite cash back rewards credit card applications, with an up to date listing of the best featured cash back credit cards that are currently available. Looking to sign up for a first time contract with a brand known for exceptional cash back rewards, or even hoping to transfer your balance to a credit card offer with a greater rewards program? Our comprehensive selection below can help guide your decision in setting apart the cash back credit card that is best for you or your business.

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HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.99% - 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer N/A 0% Introductory APR on balance transfers for the first 12 months from account opening 0% Introductory APR on credit card purchases for the first 12 months from account opening Variable APR of 14.99% - 24.99% will apply after the Introductory Period Cash Back Be the first to write one

USAA® Cashback Rewards Plus American Express® Card

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A 14.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks Cash Back Be the first to write one

USAA® Preferred Cash Rewards Visa Signature® Card

  • Earn 1.5% cash back on every purchase with no limits or category restrictions
  • Pay no annual fee, no penalty APR and no foreign transaction fees
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Consumer $0 None N/A 14.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks Cash Back Be the first to write one

Petal Cash Back Visa® Card

  • Up to 1.5% cash back after making 12 on-time monthly payments.
  • 1% cash back on purchases right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology can help applicants without credit history get approved
  • $500 - $10,000 credit limits
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Fair Credit Consumer $0 N/A N/A 14.49% - 25.49% Variable Cash Back Be the first to write one

Deserve Edu

  • Complimentary Amazon Student Prime (Lifetime Value worth $59)
  • 1% cash back on all purchases
  • Cellphone Protection
  • Extended Warranty
  • Mastercard Platinum Benefits
  • $0 Annual Fee
  • 20.24% variable APR (Prime + 15.49%)
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit Student $0 N/A N/A 20.24% Variable Cash Back Be the first to write one

Bank of America® Cash Rewards Credit Card

  • No annual fee
  • $200 online cash rewards bonus after you spend at least $1000 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • 0% Introductory APR for 15 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.99% - 25.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* N/A 13.99% - 23.99% Variable APR on purchases and balance transfers Cash Back Be the first to write one

American Express Cash Magnet® Card

  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • 0% introductory plan fee for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 0% on balance transfers for 15 MONTHS 0% on purchases for 15 months 14.49%-25.49% Variable Cash Back Be the first to write one

Susan G. Komen® Credit Card

  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1% 
  • Go to Online Banking or the Mobile Banking  app1 to change the choice category for future purchases once each calendar month, or make no changes and it stays the same

Susan G. Komen® has received more than $9.5 million from Bank of America from the program since 2009. 

Enjoy no annual fee while maximizing your cash back by choosing how you earn rewards

Introductory 0% APR for your first 15 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 15.99% to 25.99% will apply. A 3% fee (min $10) applies to all balance transfers.

Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

Preferred Rewards clients get a 25% - 75% rewards bonus on every purchase. 

That means the 3% choice category could go up to 5.25% and the 2% at grocery stores and wholesale clubs could go up to 3.5%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could go up to 1.75%. 

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* N/A 13.99% - 23.99% Variable APR on purchases and balance transfers Cash Back Be the first to write one
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