Cash back credit cards are one of the most popular options for consumers and small businesses alike. These cards reward you with a percentage of your spending back in cash - whether it's on groceries, gas, travel, or every purchase you make. Some offer flat-rate rewards, while others provide higher returns in specific categories.
Below, you'll find a list of top cash back credit card offers. Whether you're applying for your first card or looking to upgrade to a stronger rewards program, these options can help you get more from your everyday spending. Use the list to compare bonus rates, intro offers, and card features to find the best fit for your needs.
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Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Poor Credit, Fair Credit |
Consumer |
See Terms* |
N/A |
N/A |
35.99%* |
Cash Back |
Be the first to write one |
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
Credit Target |
Type |
Monthly Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Fair Credit, Poor Credit, Limited Credit |
Consumer |
$3* |
N/A |
N/A |
24.99% Variable |
Cash Back |
Be the first to write one |
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Fair Credit, Average Credit |
Consumer |
$85-$175 first year, $229 thereafter |
N/A |
N/A |
36% Fixed |
Cash Back |
Be the first to write one |
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free Access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Fair Credit, Above Average Credit, Limited Credit |
Consumer |
$85-$175 first year, $229 thereafter |
N/A |
N/A |
36% Fixed |
Cash Back |
Be the first to write one |
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy
- See Rates & Fees
** To qualify for the welcome bonus, you must...
See More
** To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Excellent Credit, Good Credit |
Consumer |
$0 |
N/A |
N/A |
14.99% - 29.99% APR |
Cash Back |
1 |
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy
** To qualify for the welcome bonus, you must...
See More
** To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Excellent Credit, Good Credit, Above Average Credit |
Consumer |
$0* |
N/A |
N/A |
14.99% - 29.99% APR |
Cash Back |
Be the first to write one |
- 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories, 1% cash back on everything else (Target and Walmart earn 1%)
- Pay your balance in full early each month and avoid interest with EarlyPay*
- Combine the flexibility of a card with the predictability of a loan
- No Annual fee*
- No touch payments with contactless technology built in*
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
Credit Target |
Type |
Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
Rewards |
Reviews |
Excellent Credit, Good Credit |
Consumer |
$0 |
N/A |
N/A |
14.99% - 29.99% APR |
Cash Back |
Be the first to write one |