Cash Back Rewards Credit Cards

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 from our partners. 

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Editorial Disclaimer: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities. Some of the offers below are from our partners.

Advertiser Disclosure
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Recommended:
Best Flat-Rate Cash Back

Citi® Double Cash Card – 18 month BT offer

$480

Cashback in year 1

1% unlimited on purchases and an additional 1% as you pay for those purchases. No annual fee.

Fort Knox Federal Credit Union Visa<sup>®</sup> Platinum Card

Recommended:
Best Cash Back for Gas

Fort Knox Federal Credit Union Visa® Platinum Card

$316

Cashback in year 1

5% Cash Back on gas purchases. 1% on everything else. No annual fee.

Hot Deals of the Week:
  • Chase Freedom<sup>®</sup>

    Chase Freedom®

    Earn 5% cash back in bonus categories

  • Alliant Cashback Visa<sup>®</sup> Signature Card

    Alliant Cashback Visa® Signature Card

    Earn Unlimited 3% cash back

  • PenFed Pathfinder Rewards American Express® Card

    PenFed Pathfinder Rewards American Express® Card

    3 Points on all travel purchases

SHOWING 715 CARD OFFERS

How We Rank Products ?

$541

following years

($720 over first 12 months)

Alliant Cashback Visa<sup>®</sup> Signature Card

a?

Very Transparent

$0

bonus

2.25%

effective cash back*

?

$59

annual fee*

(*waived first year)

Key Terms

Overview

  • Exclusively designed for those spending $50,000+ a year on their card
  • Rates as low as 11.74% variable APR
  • $59 annual fee, waived the first year
  • No foreign transaction fees
  • A true cashback card: 3% cash back in year one & 2.5% cash back after

Read Full Review

$480

following years

($580 over first 12 months)

Fidelity<sup>®</sup> Rewards Visa Signature<sup>®</sup> Card

a?

Very Transparent

$100

bonus with $1000 spent

2.00%

effective cash back*

?

$0

annual fee

Key Terms

$480

following years

($480 over first 12 months)

PayPal Cashback Mastercard

a?

Very Transparent

$0

bonus

2.00%

effective cash back*

?

$0

annual fee

Key Terms

$480

following years

($480 over first 12 months)

Citi<sup>®</sup> Double Cash Card – 18 month BT offer

b?

A little complex

$0

bonus

2.00%

effective cash back*

?

$0

annual fee

Key Terms

  • No annual fee
  • 3% foreign transaction fee
  • 15.24% - 25.24% variable interest rate if balance not paid in full
  • 3% BT Fee

Overview

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay 
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Read Full Review

$480

following years

($480 over first 12 months)

Premier Rewards Visa from Idaho Central CU

0 User reviews

Premier Rewards Visa from Idaho Central CU

b?

A little complex

$0

bonus

2.00%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$480

following years

($480 over first 12 months)

Platinum CashBack Rewards MasterCard from RB FCU

0 User reviews

Platinum CashBack Rewards MasterCard from RB FCU

a?

Very Transparent

$0

bonus

2.00%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$449

following years

($524 over first 12 months)

Visa® Titanium Signature Rewards Card from Andrews Federal CU

0 User reviews

Visa<sup>®</sup> Titanium Signature Rewards Card from Andrews Federal CU

a?

Very Transparent

$75

bonus with $500 spent

1.87%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$426

following years

($676 over first 12 months)

Signature Visa Card from State Employees CU Of Maryland

0 User reviews

Signature Visa Card from State Employees CU Of Maryland

a?

Very Transparent

$250

bonus with $2000 spent

1.78%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$423

following years

($423 over first 12 months)

Costco Anywhere Visa® Card from Citi

0 User reviews

Costco Anywhere Visa<sup>®</sup> Card by Citi

a?

Very Transparent

$0

bonus

1.76%

effective cash back*

?

$0

annual fee

Key Terms

Overview

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases

$420

following years

($420 over first 12 months)

PNC CashBuilder® Visa® Card

0 User reviews

PNC CashBuilder<sup>®</sup> Visa<sup>®</sup> Card

b?

A little complex

$0

bonus

1.75%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$419

following years

($419 over first 12 months)

Golden 1 Platinum Rewards Credit Card

0 User reviews

Golden 1 Platinum Rewards Credit Card

b?

A little complex

$0

bonus

1.75%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$410

following years

($660 over first 12 months)

PenFed Pathfinder Rewards American Express® Card

0 User reviews

PenFed Pathfinder Rewards American Express® Card

b?

A little complex

$250

bonus with $2500 spent

1.71%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$404

following years

($429 over first 12 months)

Power Travel Rewards World MasterCard® from Security Service FCU

0 User reviews

Power Travel Rewards World MasterCard<sup>®</sup> from Security Service FCU

a?

Very Transparent

$25

bonus with $500 spent

1.68%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$397

following years

($422 over first 12 months)

Cash Rewards American Express® Card from Camden National Bank

0 User reviews

Cash Rewards American Express® Card from Camden National Bank

c?

Lots of fine print

$0

bonus

1.65%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$396

following years

($496 over first 12 months)

Uber Visa Card

b?

A little complex

$100

bonus with $500 spent

1.65%

effective cash back*

?

$0

annual fee

Key Terms

$391

following years

($580 over first 12 months)

Visa Signature Card from San Diego County CU

0 User reviews

Visa Signature Card from San Diego County CU

b?

A little complex

$100

bonus with $3000 spent

1.63%

effective cash back*

?

$89

annual fee*

(*waived first year)

Key Terms

Overview

$360

following years

($410 over first 12 months)

American Express Card from Legacy Texas Financial

0 User reviews

American Express Card from Legacy Texas Financial

a?

Very Transparent

$50

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($510 over first 12 months)

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

0 User reviews

Capital One<sup>®</sup> Quicksilver<sup>®</sup> Card - 0% Intro APR for 15 Months

a?

Very Transparent

$150

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

  • No Annual Fee
  • 0% foreign exchange fee
  • 14.49% - 24.49% variable interest rate if balance not paid in full
  • 3% BT Fee

Overview

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

$360

following years

($360 over first 12 months)

Citizens Bank Cash Back Plus® World Mastercard®

0 User reviews

Citizens Bank Cash Back Plus<sup>®</sup> World Mastercard<sup>®</sup>

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

First National Bank American Express® Card

0 User reviews

First National Bank American Express<sup>®</sup> Card

a?

Very Transparent

$100

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

NASA Federal Platinum Cash Rewards Card

0 User reviews

NASA Federal Platinum Cash Rewards Card NASA Federal Credit Union

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

PenFed Power Cash Rewards Visa Signature® Card

0 User reviews

PenFed Power Cash Rewards Visa Signature<sup>®</sup> Card

a?

Very Transparent

$100

bonus with $1500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

Premier First Rewards Privileges® from Premier America CU

0 User reviews

Premier First Rewards Privileges<sup>®</sup> from Premier America CU

a?

Very Transparent

$100

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

Premier Privileges Rewards MasterCard® from Premier America CU

0 User reviews

Premier Privileges Rewards MasterCard<sup>®</sup> from Premier America CU

a?

Very Transparent

$100

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

Schwab Investor Card® from American Express

0 User reviews

Schwab Investor Card<sup>®</sup> from American Express

a?

Very Transparent

$100

bonus with $1000 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

TD Ameritrade Client Rewards Card

0 User reviews

TD Ameritrade Client Rewards Card

a?

Very Transparent

$100

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

The Provident Signature Cash Back Visa Credit Card from Provident CU (CA)

0 User reviews

The Provident Signature Cash Back Visa Credit Card from Provident CU (CA)

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

The Santander® Ultimate Cash Back® credit card

0 User reviews

The Santander<sup>®</sup> Ultimate Cash Back<sup>®</sup> credit card

a?

Very Transparent

$100

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

Special Connections® Visa Signature® from Commerce Bank

0 User reviews

Special Connections<sup>®</sup> Visa Signature<sup>®</sup> from Commerce Bank

b?

A little complex

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($510 over first 12 months)

U.S. Bank Cash 365™ American Express® Card

0 User reviews

U.S. Bank Cash 365™ American Express<sup>®</sup> Card

b?

A little complex

$150

bonus with $500 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

Cash Rewards MasterCard® from EECU

0 User reviews

Cash Rewards MasterCard<sup>®</sup> from EECU

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

cashRewards Credit Card from Navy Federal Credit Union

0 User reviews

cashRewards Credit Card from Navy Federal Credit Union

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

Citadel Cash Rewards MasterCard®

0 User reviews

Citadel Cash Rewards MasterCard<sup>®</sup>

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

Firstmark ONE™ Visa® Signature Card

0 User reviews

Firstmark ONE™ Visa<sup>®</sup> Signature Card

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

Rewards Mastercard® from Schoolsfirst FCU

0 User reviews

Rewards Mastercard<sup>®</sup> from Schoolsfirst FCU

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

TCU Visa® Platinum Rewards Credit Card

0 User reviews

TCU Visa<sup>®</sup> Platinum Rewards Credit Card

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

The Founder's Card from PSECU

0 User reviews

The Founder's Card from PSECU

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

TruWest Visa<sup>®</sup> Signature Card

a?

Very Transparent

$100

bonus with $100 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

$360

following years

($360 over first 12 months)

Visa Platinum Cash Rewards from BrightStar CU

0 User reviews

Visa Platinum Cash Rewards from BrightStar CU

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

Visa Platinum Rewards from America First CU

0 User reviews

Visa Platinum Rewards from America First CU

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

Visa Signature Rewards Credit Card from Allegacy FCU

0 User reviews

Visa Signature Rewards Credit Card from Allegacy FCU

a?

Very Transparent

$100

bonus with $1000 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

Visa® Signature Cashback Card from Community America CU

0 User reviews

Visa® Signature Cashback Card from Community America CU

a?

Very Transparent

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($460 over first 12 months)

Cash Rewards Visa® Card from Baxter CU

0 User reviews

Cash Rewards Visa<sup>®</sup> Card from Baxter CU

b?

A little complex

$100

bonus with $1000 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($410 over first 12 months)

Platinum Cash Back Visa® Card from Landmark CU

0 User reviews

Platinum Cash Back Visa<sup>®</sup> Card from Landmark CU

b?

A little complex

$50

bonus with $1000 spent

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$360

following years

($360 over first 12 months)

School Employee Mastercard® from Schoolsfirst FCU

0 User reviews

School Employee Mastercard<sup>®</sup> from Schoolsfirst FCU

b?

A little complex

$0

bonus

1.50%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$348

following years

($348 over first 12 months)

Cash Rewards MasterCard® from Virginia CU

0 User reviews

Cash Rewards MasterCard® from Virginia CU

b?

A little complex

$0

bonus

1.45%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$345

following years

($440 over first 12 months)

Citi ThankYou® Premier Card

b?

A little complex

$0

bonus

1.44%

effective cash back*

?

$95

annual fee*

(*waived first year)

Key Terms

  • Annual fee $95 waived for the first 12 months
  • 0% foreign transaction fee
  • 16.24% - 25.24% variable interest rate if balance not paid in full

Overview

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening 
  • Earn 3X Points on Travel, Including Gas Stations 
  • Earn 2X Points on Dining Out & Entertainment 
  • Earn 1X Points on All Other Purchases 
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card 
  • Points Transfer allows you to transfer points to participating airline loyalty programs 
  • No Foreign Transaction Fees on purchases*

Read Full Review

$340

following years

($490 over first 12 months)

Capital One® Savor® Cash Rewards Credit Card

0 User reviews

The Savor®  card From Capital One

b?

A little complex

$150

bonus with $500 spent

1.42%

effective cash back*

?

$0

annual fee

Key Terms

  • No Annual Fee
  • No foreign exchange fee
  • 15.99% - 24.74% variable interest rate if balance not paid in full
  • 3% BT Fee

Overview

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.99%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.99%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees

$339

following years

($339 over first 12 months)

Visa Signature Cash Rebate Card from Consumers CU

0 User reviews

Visa Signature Cash Rebate Card from Consumers CU

c?

Lots of fine print

$0

bonus

1.41%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$337

following years

($412 over first 12 months)

Travel Rewards American Express® Card from BlackRidge Bank

0 User reviews

Travel Rewards American Express® Card from BlackRidge Bank

c?

Lots of fine print

$0

bonus

1.40%

effective cash back*

?

$95

annual fee

Key Terms

Overview

$336

following years

($421 over first 12 months)

PenFed Platinum Rewards Visa Signature® Card

0 User reviews

PenFed Platinum Rewards Visa Signature<sup>®</sup> Card

a?

Very Transparent

$100

bonus with $1500 spent

1.40%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$336

following years

($336 over first 12 months)

Deserve Pro Mastercard

0 User reviews

Deserve Pro Mastercard

a?

Very Transparent

$0

bonus

1.40%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$335

following years

($335 over first 12 months)

Platinum Rewards VISA Card from Travis CU

0 User reviews

Platinum Rewards VISA Card from Travis CU

c?

Lots of fine print

$0

bonus

1.40%

effective cash back*

?

$25

annual fee

Key Terms

Overview

$332

following years

($332 over first 12 months)

Firstmark ONE™ Visa® Platinum Rewards Card

0 User reviews

Firstmark ONE™ Visa<sup>®</sup> Platinum Rewards Card

b?

A little complex

$0

bonus

1.38%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$330

following years

($380 over first 12 months)

Signature Visa® with Rewards from On Point Community CU

0 User reviews

Signature Visa® with Rewards from On Point Community CU

a?

Very Transparent

$0

bonus

1.38%

effective cash back*

?

$50

annual fee*

(*waived first year)

Key Terms

Overview

$330

following years

($430 over first 12 months)

TRIO® Credit Card from Fifth Third Bank

0 User reviews

TRIO<sup>®</sup> Credit Card from Fifth Third Bank

b?

A little complex

$100

bonus with $1000 spent

1.38%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$329?

following years

($659 over first 12 months)

Discover it<sup>®</sup> Cash Back

c?

Lots of fine print

$0

bonus

?

1.37%

effective cash back*

?

$0

annual fee

Key Terms

  • Annual Fee - $0
  • Foreign Transaction Fee - None
  • Regular (GoTo) APR - 13.49% - 24.49% Variable
  • Balance Transfer Fee - 3%

Overview

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Read Full Review

$325

following years

($325 over first 12 months)

U Rewards Visa® Signature Card from United FCU

0 User reviews

U Rewards Visa® Signature Card from United FCU

b?

A little complex

$0

bonus

1.35%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$324

following years

($424 over first 12 months)

Visa® Platinum Rewards credit card from Nusenda Credit Union

0 User reviews

Platinum Rewards Card from Nusenda CU

c?

Lots of fine print

$100

bonus with $500 spent

1.35%

effective cash back*

?

$0

annual fee

Key Terms

Overview

$324

following years

($324 over first 12 months)

Cash Back Visa Signature from Trumark Financial CU

0 User reviews

Cash Back Visa Signature from Trumark Financial CU

a?

Very Transparent

$0

bonus

1.35%

effective cash back*

?

$0

annual fee

Key Terms

Overview

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