Cash Back Rewards

Every time you pay with a credit card, merchants pay banks an average 2% fee. Fortunately for you, banks compete with each other by offering you some of that fee back — as much as 1.5% every year! When looking at a rewards card, keep two facts in mind. First, the inital year is often more generous than the next. Second, certain cards are better tailored to your lifestyle than others. We've reviewed the fine print on dozens to recommend the best offers for you. 

Customize your cash back rewards offers:

I spend about $2000 a month.

I'm interested in: First Year Rewards Ongoing Rewards

I'm looking for a: Personal Card Small Business Card College Student Card

Sams Club Master Card Sam's Club
$0 bonus
2.60%cash back

$0 annual fee

$510

following years

($568 over first 12 months)

Cash Rewards Card By Nusenda CU Nusenda

Lots of fine print
$116 bonus with $5820 spent
2.13%cash back

$0 annual fee

$506

following years

($656 over first 12 months)

Blue Cash Preferred Card from American Express American Express

Lots of fine print
$150 bonus with $1000 spent
2.11%cash back

$75 annual fee

$485

following years

($510 over first 12 months)

Sallie Mae Mastercard SallieMae

Lots of fine print
$25 bonus
2.02%cash back

$0 annual fee

$480

following years

($530 over first 12 months)

 Fidelity Investment Rewards American Express Card Fidelity

Very Transparent
$50 bonus with $500 spent
2.00%cash back

$0 annual fee

$480

following years

($480 over first 12 months)

Citi Double Cash Card Citi Bank

A little complex
$0 bonus
2.00%cash back

$0 annual fee

$479

following years

($628 over first 12 months)

Santander Bravo MasterCard Santander

Lots of fine print
$100 bonus with $1000 spent
2.00%cash back

$49 annual fee* (*waived first year)

$447

following years

($447 over first 12 months)

$434

following years

($434 over first 12 months)

AAA Member Rewards Visa Signature Card Bank Of America

Lots of fine print
$0 bonus
1.81%cash back

$0 annual fee

$432

following years

($532 over first 12 months)

AARP Credit Card by Chase Bank Chase

Very Transparent
$100 bonus with $500 spent
1.80%cash back

$0 annual fee

$432

following years

($432 over first 12 months)

Visa Platinum Card By Fort Knox FCU Fort Knox Federal

Very Transparent
$0 bonus
1.80%cash back

$0 annual fee

$432

following years

($432 over first 12 months)

Visa Signature Card By City National Bank City National Bank

Very Transparent
$0 bonus
1.80%cash back

$0 annual fee

$420

following years

($420 over first 12 months)

PNC CashBuilder Visa Credit Card PNC

A little complex
$0 bonus
1.75%cash back

$0 annual fee

$418

following years

($418 over first 12 months)

$390

following years

($390 over first 12 months)

$386

following years

($486 over first 12 months)

Blue Cash Everyday Card from American Express American Express

Lots of fine print
$100 bonus with $1000 spent
1.61%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Cash Back Visa Card By Coastal FCU Coastal Federal Credit Union

Very Transparent
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Mason Alumni Visa by Apple FCU Apple Federal

Very Transparent
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

MyRewards Visa by Apple FCU Apple Federal

Very Transparent
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Visa Signature Card by Baxter CU Baxter Credit Union

Very Transparent
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Visa Signature Cash Back Card By Vystar CU Vystar Credit Union

Very Transparent
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Visa Signature Rewards Plus Card By Vystar CU Vystar Credit Union

Very Transparent
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Platinum CashBack Rewards MasterCard By RB FCU RBFCU- Randolph Brooks Federal Credit Union

A little complex
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By Berkshire Bank Berkshire Bank

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By NBT Bank NBT Bank

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By Eastern Bank Eastern Bank

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By Johnson Bank  Johnson Bank

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By Meriwest CU Meriwest Credit Union

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By NBT Bank NBT Bank

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By Susquehanna Bank Susquehanna Bank

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($409 over first 12 months)

Cash Rewards American Express Card By Johnson Bank  Johnson Bank

Lots of fine print
$25 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Max Rewards Visa Credit Card by Lake Michigan CU Lake Michigan Credit Union

Lots of fine print
$0 bonus
1.60%cash back

$0 annual fee

$384

following years

($384 over first 12 months)

Visa Cash Back Card by Baxter CU Baxter Credit Union

Lots of fine print
$0 bonus
1.60%cash back

$0 annual fee

$378

following years

($478 over first 12 months)

Chase Freedom Card Chase

Lots of fine print
$100 bonus with $500 spent
1.57%cash back

$0 annual fee

$367

following years

($537 over first 12 months)

PenFed Premium Travel Rewards American Express Card Penfed

Very Transparent
$170 bonus with $2500 spent
1.53%cash back

$0 annual fee

$360

following years

($360 over first 12 months)

Catalyst MasterCard By EECU  EECU Community

Very Transparent
$0 bonus
1.50%cash back

$0 annual fee

$360

following years

($360 over first 12 months)

The Union Plus Cash Reward Credit Card from Capital One Capital One

Very Transparent
$0 bonus
1.50%cash back

$0 annual fee

$360

following years

($460 over first 12 months)

VISA Signature credit card by TruWest TruWest Credit Union

Very Transparent
$100 bonus with $100 spent
1.50%cash back

$0 annual fee

$360

following years

($360 over first 12 months)

First Citizens Optimum Rewards Visa Card First Citizens Bank

A little complex
$0 bonus
1.50%cash back

$0 annual fee

$360

following years

($460 over first 12 months)

Quicksilver Cash Rewards Credit Card Capital One

A little complex
$100 bonus with $500 spent
1.50%cash back

$0 annual fee
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