The Best Cash Rewards Credit Cards
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Here is a comprehensive list of cash rewards credit cards. This list is updated regularly with the best 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
Blue Cash Everyday® Card from American Express
- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at 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.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
Blue Cash Preferred® Card from American Express
- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- Terms and Restrictions Apply.
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
Chase Freedom® Visa
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- 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
Chase Freedom® Visa
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- 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
- $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 from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- 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*
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*
Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. *Click apply for Terms & Conditions.
Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. *Click apply for Terms & Conditions.
Discover it®
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
- 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy signup.
- Unlimited 1% cash back on all other purchases.*
- *Click apply for Terms & Conditions.
Discover it®
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
- 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy signup.
- Unlimited 1% cash back on all other purchases.*
- *Click apply for Terms & Conditions.
Discover® More Card
- 0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% – 20.99%*
- Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It’s free and easy to sign up.*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability. You’re never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Discover® More Card – 18 Month Promotional Balance Transfer
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard
purchase APR of 10.99% – 20.99%* - Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and everywhere you shop online through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It’s free and easy to sign up.*
- Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability, you’re never responsible for unauthorized charges on your
Discover card account, plus automatic mobile and email fraud alert options - Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Discover® Motiva Card
- Earn Cashback Bonus for your good credit management
- 0% intro APR on purchases and balance transfers for 14 months, then the variable purchase APR of 10.99% – 20.99%*
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability. You’re never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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.
- Earn 5% cash back on gas purchases paid at the pump and .025% on all other purchases.
- 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
- 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
- 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
- Terms and limitations apply; 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
- Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
- 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
- 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.
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!
If you're looking for a new credit card, be sure to check out our credit card directory!
- Hot Free Money Deals: Barclaycard $440+ | $3,000+ in Bonuses
I have AmEx Blue Cash and in addition to the rewards they have great (and usually quick) customer service.
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…!)
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.
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!
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
Hi Spencer,
Here’s the closest replacement for the Schwab card that meets your criteria: Sallie Mae 2% Cash Back Credit Card & $100 Sign Up Bonus
We’ve had the PenFed credit card for several years and are pleased with it.