A cash back credit card may be one of the easiest ways to save on your spending. These cards give you a percentage of what you spend as cash back. Some cash back credit cards let you earn as much as 5% cash back on certain purchases, while the standard amount of cash back you can earn on most cards is 1%. Certain cards let you redeem this cash back as a check or statement credit, while others let you redeem it for goods and services. If you don't want to redeem rewards for specific merchandise or services, then a cash back card is the most flexible option.

Here is a selection of Cash Back Credit Cards currently available in the US, displayed in order of our highest rated cards.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Cash Rewards credit card - $200 Cash Rewards Offer

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

APPLY NOWAt Bank of America's secure website
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days

16.24% - 26.24% Variable APR

$0

Why we like it
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
We least like
  • 3% foreign transaction fee.
Excellent/Good
Capital One<sup>®</sup> Savor<sup>®</sup> Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

N/A

16.74% - 25.74% (Variable)

$0 intro for first year; $95 after that

Excellent, Good
HSBC Cash Rewards Mastercard<sup>®</sup> credit card

HSBC Cash Rewards Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • 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
  • Earn unlimited 1.5% cash rewards 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 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt HSBC's secure website

0% Introductory APR on purchases and balance transfers for the first 12 months from account opening

Variable APR of 15.24%, 19.24% or 25.24% will be applied

$0

Good/Excellent
Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

APPLY NOWAt American Express' secure website
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.99%-25.99% Variable

$95

Excellent, Good
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

17.24%-25.99% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic.
Excellent/Good
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey SM
  • No annual fee
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

17.24% - 25.99% Variable

$0

Why we like it
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
Excellent/Good
Capital One<sup>®</sup> SavorOne<sup>®</sup> Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • 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 and entertainment, 2% at grocery stores 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

16.24% - 26.24% (Variable)

$0

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

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months*

15.99%– 25.99% (Variable)

$0

Why we like it
  • Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Introductory APR offer.
Excellent, Good
Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

APPLY NOWAt Citi's secure website
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 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
  • No annual fee with your paid Costco membership*
  • No matter where life takes you, experience no foreign transaction fees on purchases*
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
APPLY NOWAt Citi's secure website

N/A

17.24%* (Variable)

$0*

Why we like it
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 2% cash back on all other purchases from Costco and Costco.com.
Excellent
Capital One<sup>®</sup> Quicksilver<sup>®</sup> Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

0% intro on purchases and balance transfers for 15 months

16.24% - 26.24% (Variable)

$0

Why we like it
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Excellent, Good
Capital One<sup>®</sup> QuicksilverOne<sup>®</sup> Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

N/A

26.96% (Variable)

$39

Why we like it
  • Earn cash rewards without signing up for rotating categories.
  • Earn unlimited 1.5% cash back on every purchase, every day.
We least like
  • $39 Annual fee.
Average, Fair, Limited
Credit One Bank<sup>®</sup> Platinum Visa<sup>®</sup> with Cash Back Rewards

Credit One Bank® Platinum Visa® with Cash Back Rewards

APPLY NOWAt Credit One Bank's secure website
  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy, terms apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
  • Do your part to help the environment with the option to go paperless
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% - 26.24% Variable

$0 - $99

Why we like it
  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy, terms apply.
Fair Credit
Credit One Bank<sup>®</sup> Unsecured Platinum Visa<sup>®</sup>

Credit One Bank® Unsecured Platinum Visa®

APPLY NOWAt Credit One Bank's secure website
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% - 26.24% Variable

$0 - $99

Bad Credit
Credit One Bank<sup>®</sup> Unsecured Visa<sup>®</sup> with Cash Back Rewards

Credit One Bank® Unsecured Visa® with Cash Back Rewards

APPLY NOWAt Credit One Bank's secure website
  • See if you Pre-Qualify in less than 60 seconds-without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card-not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank's card gallery. A fee may apply.
APPLY NOWAt Credit One Bank's secure website

N/A*

20.24% - 26.24% Variable

$0 - $99

Why we like it
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
Bad Credit
Credit One Bank<sup>®</sup> Platinum Visa<sup>®</sup> for Rebuilding Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

APPLY NOWAt Credit One Bank's secure website
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
APPLY NOWAt Credit One Bank's secure website

N/A*

20.24% - 26.24% Variable

$0 - $99

Why we like it
  • See if you Pre-Qualify without harming your credit score.
  • Make paying your bill easier with the ability to choose your payment due date, terms apply.
Bad Credit
Credit One Bank<sup>®</sup> Cash Back Rewards Credit Card

Credit One Bank® Cash Back Rewards Credit Card

APPLY NOWAt Credit One Bank's secure website
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
  • Show off your personality by selecting from a variety of card designs, a fee may apply
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% - 26.24% Variable

$0 - $99

Fair to Good
Credit One Bank<sup>®</sup> Unsecured Visa<sup>®</sup> for Rebuilding Credit

Credit One Bank® Unsecured Visa® for Rebuilding Credit

APPLY NOWAt Credit One Bank's secure website
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Know you're protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Give your credit a boost with credit line increase opportunities, a fee may apply.
  • Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
  • Customize your card by selecting a unique design from Credit One Bank's card gallery. There are more than 20 options to choose from. A fee may apply.
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% - 26.24% Variable

$0 - $99

Bad Credit
Credit One Bank<sup>®</sup> Visa<sup>®</sup> Credit Card

Credit One Bank® Visa® Credit Card

APPLY NOWAt Credit One Bank's secure website
  • Find the card that's right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don't get stuck with a payment date that doesn't work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Know you're protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% - 26.24% Variable

$0 - $99

Bad Credit
Credit One Bank<sup>®</sup> NASCAR<sup>®</sup> Visa<sup>®</sup> Credit Card

Credit One Bank® NASCAR® Visa® Credit Card

APPLY NOWAt Credit One Bank's secure website
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
  • Zero Fraud Liability ensures that your account is protected against unauthorized charges.
  • Accounts are automatically reviewed for credit line increase opportunities.
  • Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% to 26.24% Variable

$0 - $99

Fair Credit
NASCAR<sup>®</sup> Credit Card from Credit One Bank<sup>®</sup>

NASCAR® Credit Card from Credit One Bank®

APPLY NOWAt Credit One Bank's secure website
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
  • No need to fret-you're covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% to 26.24% Variable

$0 - $99

Good
Official NASCAR<sup>®</sup> Credit Card from Credit One Bank<sup>®</sup>

Official NASCAR® Credit Card from Credit One Bank®

APPLY NOWAt Credit One Bank's secure website
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
  • Zero Fraud Liability ensures that your account is protected against unauthorized charges.
  • Accounts are automatically reviewed for credit line increase opportunities.
  • Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
APPLY NOWAt Credit One Bank's secure website

N/A

20.24% to 26.24% Variable

$0 - $99

Bad Credit