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Cash Back Credit Cards

The concept is simple: the more you spend on cash back credit cards, the more cash you get back!

There are several different cash back credit cards available, all of which offer unique ways to earn cash back on everyday purchases. However, the right cash back credit card for you will depend on your lifestyle. For instance, if you can't recall the last time you used your own dishwasher, then a card that rewards you for eating out is the perfect fit for you. If you're still frequenting the gas station despite rising gas prices, soften the impact on your wallet by using a gas rebate credit card. Take your time to figure out which cash back credit card will be the most rewarding for you.

Many cash back cards are even offering bonus cash back promotions for new cardholders. Some offer bonus cash after you've spent a certain amount in your first three months, and some offer special bonus categories that change each quarter. Be sure to read our reviews to understand how each card rewards you with cash.

Best Cash Back Offer for 2014: Discover it®

As you’ve probably seen from TV commercials and sites like ours, there are seemingly endless cash back programs available; the trick is finding which cash back credit card can earn you the most rewards. Not only that, you must also determine what kinds of rewards you would like to receive, whether it’s cash back, airline miles, gas rebate cards or points. We've scrapped the mediocre  and so-so deals and left you with the best of the best to compare cash back offers below.

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Discover it®

Intro APR
0%
14 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
14 months
Average Savings
$411.40
Over 1 year Apply Now View Savings Info

Discover it® Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
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4.9
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $54.39 $45.05 $199.44
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $130.10 $108.12 $478.22
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. We assume cardholders spend 35% of their total purchase balance on these 5% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $411.40 $270.89 $239.57 $921.86
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® - 18 Month Balance Transfer

Intro APR
0%
6 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
18 months
Average Savings
$345.46
Over 1 year Apply Now View Savings Info
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4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $72.53 $45.05 $217.58
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $174.06 $108.12 $108.12 $390.30
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $345.46 $267.05 $239.57 $852.08
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Citi® Dividend Platinum Select® Visa® Card

Intro APR
0%
12 months*
Regular APR
12.99% - 22.99%* (Variable)
Balance Transfer
0%
12 months*
Average Savings
$425.00
Over 1 year Apply Now View Savings Info
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4.65
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $35.05 $35.05 $170.10
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $240.00 $84.12 $84.12 $408.24
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
One Time Bonus ? $100.00 $0.00 $0.00 $100.00
Cardholders that spend $500 within the first three months of account opening will receive a $100 cash back bonus. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $425.00 $119.17 $119.17 $663.34
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® for Students

Intro APR
0%
6 months applied to Purchases
Regular APR
12.99%-21.99% Variable*
Balance Transfer
See Terms
Ongoing
Average Savings
$268.51
Over 1 year Apply Now View Savings Info

Discover it® for Students Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
Hide More Info
Learn More
4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $35.05 $35.05 $35.05 $105.15
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $162.06 $84.12 $84.12 $330.30
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Reward Points ? $86.40 $86.40 $86.40 $259.20
This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $268.51 $205.57 $205.57 $679.65
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

Intro APR
N/A
Regular APR
8%
Balance Transfer
8%
Ongoing
Average Savings
$204.00
Over 1 year Apply Now View Savings Info
Show More Info
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4.75
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $60.00 $60.00 $60.00 $180.00
* For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Interest Savings on Balance for New Purchases ? $144.00 $144.00 $144.00 $432.00
* For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
Balance Transfer Cost ? -$0.00 -$0.00 -$0.00 -$0.00
* For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
* Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
Totals $204.00 $204.00 $204.00 $612.00
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Cash Back Credit Cards That Work for Your Lifestyle

Here are a few ways in which cash back rewards credit cards can help you get the most out of your credit experience. And yes, we’re talking about free stuff...

  • Cash Back Credit Cards - How do I earn the most cash back?

While cash back rewards depend on the credit card, the general rule is that the more you spend on cash back rewards credit cards, the more cash back you’ll earn.

Cash back rewards are an incentive for customers to use their credit card exclusively. However, you don’t want to let cash back incentives get you into trouble. Since many credit cards offer bonus rewards and incentives when you hit a particular spending threshold in a given amount of time, there’s a natural urge by users to spend early and often. If this threshold is not in your monthly budget, we would recommend A.) ignoring the threshold or B.) applying for a cash back credit card with a lower bonus threshold. That’s our first tip: Find a cash back credit card that matches your monthly budget.

That being said, these monthly incentives aren’t always unrealistic. Some cash back cards offer $100 cash back when you spend $500 on the card in the first three months. That’s a free $100 simply for swiping (and paying back) your card during your intro period. This leads us to our second tip: Check for incentives during your rewards card intro period.

Along with intro period incentives, there are a number of ways in which customers can earn even more cash back with temporary programs or bonus periods. Often, these credit cards require you to enroll to be eligible for the bonus cash back offer. Enrolling is simple - it rarely takes more than checking your email and clicking your mouse - and it often leads to exceptional cash back rewards on specific items you’re generally going to buy, anyway. That’s your third tip: Make sure to enroll in quarterly programs for the most cash back.

Finally, know what you’re getting into with a cash back rewards card before signing up. If you’re a business traveler hoping to earn airline miles, make sure you’re signing up for a travel rewards program. If you’re on the road constantly, consider a gas rebate credit card to ease the burden at the pump. If you LOVE free money (and we all do), not only do we recommend knowing what percentage cash back you earn, make sure to know HOW to get the most cash back. (Again, quarterly programs, bonus incentives, shopping online, stuff like that.) That’s our final and most important tip: Read the fine print when enrolling in a cash back rewards card.

Now that you know what to look for when applying online for a cash back rewards card, we recommend browsing through our compare table of the best cash back credit cards above. Or, take your search to the Forum to find out from other consumers which cash back rewards cards have the best track record, and which rewards programs credit customers like you prefer.