Cash Rewards Credit Cards

Posted by Madison

Here is a comprehensive list of cash rewards credit cards. This list is updated regularly with offers for cash rewards credit cards.

Why not earn cash rewards on your credit card purchases? Here’s a few of the cashback credit cards that we use. In addition, I’ve added some others that looked promising so you can choose the ones that best meet your needs.

I’ll keep this page current, so bookmark it and use it for reference anytime you need a new card!

I’ve highlighted some of the features, but please be sure to check all the terms and conditions before applying for any of them!

 

Ace Rewards® Visa Card
  • Earn Rewards faster
  • Up to 10% back quarterly in popular categories
  • Up to 5% back on Ace purchases
  • 2% back on gas and groceries
  • 1% in Rewards everywhere else Visa is accepted
 
BankAmericard Cash Rewards™ Credit Card
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% – 22.99% variable APR
 
BankAmericard® Better Balance Rewards™ Credit Card
  • No annual fee
  • Save on interest with a 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 11.99% – 21.99% variable APR
  • Earn $25 per quarter towards your balance when you pay more than the monthly minimum and on time each month
  • Get an additional $5 bonus per quarter if you have a Bank of America® checking or savings account
  • Cash back is automatically credited to your card balance
 
Blue Cash Everyday® Card from American Express
  • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
  • You will receive $50 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
 
Blue Cash Preferred® Card from American Express
  • Get one year of Amazon Prime plus $100 back after you make $1,000 in purchases with your new Card in the first three months.
  • You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
 
Chase Freedom® – $200 Bonus
  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants, and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
 
Chase Freedom® – $200 Bonus
  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe’s® home improvement stores
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
 
Chase Freedom® MasterCard
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe’s®
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
 
Citi® Dividend Platinum Select® Visa® Card
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
 
Citi® Dividend Platinum Select® Visa® Card – $100 Cash Back
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back on eligible purchases at Zappos.com, fitness clubs and drugstores from 1/1/13 through 3/31/13 when you enroll.
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
 
Disney Rewards® Visa® Card
  • Get a $50 Disney Gift Card after first use of Disney’s Visa® Card. Restrictions apply
  • Earn 1% on everyday card purchases
  • Redeem toward Disney treats at home and on vacation, such as Theme Park tickets, Resort stays, DVDs, toys, and more
  • Save 10% on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store locations
  • Disney Theme Park perks including Character Meet ‘N’ Greet at our private Cardmember location
  • Save with 0% APR for 6 months on select Disney vacation packages, after that a variable APR of 14.24%
  • Choose from 8 fun card designs
  • No Annual Fee
 
Disney’s Premier Visa® Card
  • Earn a $100 Disney Gift Card after you spend $500 within the first 3 months from account opening. Restrictions apply
  • Earn 2% in reward dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases
  • Redeem toward Disney treats at home and on vacation, such as Theme Park tickets, Resort stays, DVDs, toys and more
  • Enjoy the flexibility to redeem toward airline travel on any airline to any destination, anytime
  • Save 10% on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store locations
  • Save with 0% APR for 6 months on select Disney vacation packages, after that a variable APR of 14.24%
  • Choose from 8 Premier-only card designs
  • $49 Annual Fee
 
Iberiabank Visa® Gold Card
  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Introductory APR on Balance Transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • Online access to credit card account information
 
PenFed Visa® Platinum Cash Rewards Card
  • You must be a PenFed member to apply. Not yet a member? It’s easy to join!
  • You may be eligible through your employment, association membership, and volunteerism, or by becoming a member of one of our nonprofit partner organizations.
  • Cash rewards automatically awarded to your account every month with no caps.
 
The L.L.Bean Visa Card
  • No Annual Fee
  • Earn 3% rewards on L.L.Bean purchases
  • Earn 1% rewards on all other purchases
  • Receive $10 L.L.Bean Coupons as you earn them
  • Enjoy free returns and free monogramming at L.L.Bean
  • Please see terms and conditions for complete detail
 
TrueEarnings® Card from Costco and American Express
  • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
  • You will receive your cash back annually in the form of a reward coupon
  • The Two-In-One Card: it’s an American Express® Card and Costco membership Card, with no annual fee for Costco members
  • Maximize your cash back: Add additional Card Members to help get more cash back for you, also with no annual fee for Costco members
  • Terms and restrictions apply
 
U.S. Bank Cash+™ Visa Signature® Card
  • Earn 5% cash back on two categories that you choose, like department stores, restaurants…plus many more
  • Earn 2% cash back on gas, groceries or drug stores – choose one
  • Earn 1% cash back on everything else
  • Get a $25 Cash+ Bonus each time you redeem $100 or more cash back in a single redemption
  • No Annual Fee
 
USAA Cash Rewards® American Express® Card
  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back for all other purchases.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • No annual fee and no minimum finance charge.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
 
USAA Cash Rewards® Visa® Card
  • Get 2,500 bonus points with your first purchase.
  • Earn one point for every dollar on your every day purchases. There’s no limit to the amount you can earn.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
 
USAA Cash Rewards® World MasterCard®
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There’s no limit to the amount you can earn.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
 

PenFed Visa Platinum Cashback Rewards Card

  • Earn 5.00% cash back from gas purchases paid at the pump*
  • Earn 1.00% cash back from all purchases you make with the card during each billing cycle**
  • Up to $50,000 limit
  • No Annual Fee
  • Cash Rewards credited each month
  • No special restrictions to earn your cash rewards
 

This article is part of the Free Money Friday series! Each Friday my goal is to put more money in your pocket!



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Comments to Cash Rewards Credit Cards

  1. I have AmEx Blue Cash and in addition to the rewards they have great (and usually quick) customer service.

    sara l

  2. I’m with sara – you can’t beat Amex customer service. I have the Blue Cash and a Blue Rewards and I never use anything else (unless it’s a merchant who doesn’t take Amex…!)

    Brip Blap

  3. I’ve had the Schwab card for about 3 years but it’s going away on 10/31. It was great while it lasted but I have to move on.

    My concern with the AmEx is it’s not as accepted as Visa or Mastercard. I only carry one card so I need something that’s accepted everywhere.

    From what I can see, the Capital One Cash back card is the best deal for me. It’s 1% on all purchases, plus a 50% annual bonus on all cash back earned the previous year. This makes it in effect a 1.5% cash back card.

    The Fidelity card requires a Fidelity account, and I already have accounts at Vanguard. I don’t have a problem with Fidelity, but don’t really want to open a new after-tax account that pays no interest (money market) or an account that may lose money (short term bond fund) just to get their credit card.

    I’m conservative with my money. All my non-retirement money is in CDs and checking paying anywhere from 2.0 to 4.0%. My retirement money is more aggressive, but still only about 30% in stocks, 40% in bond funds and 30% in variable annuities that pay a set return, currently 3%.

    The Capital One card is rated lower than Chase, AmEx Blue etc. What am I missing? I’m not interested in the revolving 5% because it has limits ($1500 groceries in 3 months) or it is for stuff I don’t buy. I use the credit card for normal purchases, groceries, gas, clothes, monthly bills such as phone, TV etc. I charge around $40k/year. I’m not interested in airline miles or home improvement stores.

    I would appreciate your thoughts.

    Thanks.

    Tim

    • Hi Tim,

      I haven’t had much trouble with my Amex card getting accepted recently, but there was one store that wouldn’t.

      I don’t use Cap One cards at all. Never have. Although my Sony card recently converted to Cap One, so now I do have one (that I don’t use).

      I’m guessing the lower rating might be due to the way they reported to the credit bureaus. They used to report high balances without credit limits, which raised the utilization percentage and hurt people’s credit scores. I believe that is why many consumers had a distaste for Capital One.

      I’m still searching for a replacement card for you. I think I found one, but I want to check out all the terms first. Then I’ll get back to you!

      Madison

  4. I had the Schwab card and just found out it is no longer around.

    I need a Visa or Mastercard that gives back highest % in cash (or transfers money to an investment account) like Schwab did.

    I don’t want higher % for just gas or certain purchases. I want 2% (or as high as possible) for all purchases.

    I purchase a lot so no ceiling on cash back.

    I also have a 2% AmEx, but I can’t use it for some purchases, so I need a Visa or MC.

    Spencer

    Spencer

  5. We’ve had the PenFed credit card for several years and are pleased with it.

    Donna


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