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The cash back credit card category is one of the top genres of reward cards available. These cards usually offer instant cash rewards or rebate incentives on a per dollar spent basis, but can also make use of a point system that allows for the redemption of a set number of points for cash or cash-like gift certificates. Cash back cards are best suited for individuals that make large purchases, thus allowing for maximum rebate rewards on a per transaction basis. Be aware that most cash rebate cards have slightly higher interest rates than those of other rewards credit cards; this means carrying a balance with one of these cards can be more costly than necessary if you’re not paying the credit card’s balance every month.

One of the largest determining factors for a good cash back card is the manner in which you accrue cash back bonuses. The most common system is a percentage of your total purchase (usually 1% to 2%+) though this may be altered slightly to reward certain types of purchases more than others. Some cards also have a monthly or annual cap on the amount of rebates that can be accumulated, so if you’re a big spender or your spending pattern fluctuates from month to month be sure to pick a cash incentive program that matches your spending habits.

Please see our article library on the right for additional resources relevant to the cash back credit card selection process.

Blue Cash Everyday(SM) Card from American Express

The Blue Cash Everyday℠ Card from American Express is a cash back rewards credit card for individuals who would like to earn rewards on every purchase they make. Redeem your cash back for rewards you will enjoy and love. $100 Cash Back Treat yourself to some extra money in your pocket to the tune of $100 cash back when you spend $1,000 in eligible purchases within the first three months of cardmembership. Think of this bonus cash back as a friendly push to help you get started. 0% Intro APR Sign up and enjoy a special introductory 0% APR offer on the purchases you make during a 12-month period. Pay off any large-purchased items with no interest charges for a full year. Afterward, a standard variable APR rate will apply. Get More Cash Back Earn cash back on every purchase you make, including 2% at gas stations and department stores and 1% cash back on everything else. Now, cash back is easily earned just for running your everyday errands. ReFeatures:

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5.0
Intro APR Regular APR Annual Fee Reward Type
0% on Purchases for 12 months No Annual Rebate


Discover® More Card

The Discover® More Card is a cash rewards card by Discover that honors cardmembers with Cashback Bonus® and an introductory 0% APR period. Among the other perks and benefits, you'll enjoy no annual fee, and top-notch customer service with your new pass to Cashback Bonus® rewards and more! 0% Introductory APR Offer. Now you can transfer all of your previous debts onto your new Discover card and not have to worry about interest for the first 15 months. In additional to balance transfers, you don't have to pay APR on purchase during the same initial 15-month time period. Cashback Bonus® Categories. When you use your card, you'll get 5% Cashback Bonus® in quarterly categories - all of which are purchases that you frequently make during your routine. Some of these include gas, restaurants, department stores and more! As a valued cardmember you'll be rewarded just for participating in all your spending. ShopDiscover.com. The offer also pFeatures: Various card designs to select from. Various Internet account related services. Up to $500,000 in travel accident insurance. Fraud and security protection services. Auto rental insurance. Discounts on products and services at participating merchants and retailers. See website for additional benefits.

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4.0
Intro APR Regular APR Annual Fee Reward Type
0% APR* $0 Rebate


Discover® Motiva Card

The Discover® Motiva Card issued by Discover is a cash rewards card designed for the smart shopper who is looking for a credit card with zero introductory APR and Cashback Bonus® rewards. When you make your payments on time and enjoy shopping, Discover will say "thank you" by rewarding you with a truly unique Cashback Bonus® rewards program. 0% Introductory APR. To start, you will not have to pay any interest on balance transfers for the first 15 months of card membership. You can also make purchases during the 15 month promotional period with 0% introductory APR. Cashback Bonus® for Good Credit Management . Due to your committed payments and smart spending - you can enjoy Cashback Bonus® from Discover. When you pay your balance on time you can enjoy 5% of your interest charges automatically each month that you pay your balance on time. Cashback Bonus® for Spending. Now you will get 1% Cashback Bonus® on all purchases and uFeatures: Various Internet account related services. Fraud and security protection services. No liability for unauthorized transactions. Up to $500,000 in flight insurance. Auto rental insurance. Access to Pay-On-Time Bonus. Access to 5%-20% Cashback Bonus® at top online retailers through Discover's exclusive online shopping site. Flexible payment due dates. See website for additional benefits.

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5.0
Intro APR Regular APR Annual Fee Reward Type
0% Introductory APR* $0 Rebate


IberiaBank Visa® Gold Cash Back Rewards Card

The IberiaBank Visa® Gold Cash Back Rewards Card is a cash rewards offer that gives cardmembers 1% in cash back on eligible purchases. With a low introductory rate for balance transfers for the first six months and other card features it's the perfect choice for those wanting rewards and a low interest rate. Low Interest Rate. With a low variable interest rate on purchases is as low as 9.25%. The assigned purchase rate is based on the market prime rate and your credit worthiness Balance Transfers. The low APR on balance transfers is as low as 1.99% for the first six billing cycles. The low rate on balance transfers does not change during the introductory period and applies to balance transfers that are processed within three months of opening your account. After the three month period, the APR is the same as your low interest rate on purchases. Cash Back. As a full-service rewards credit card, you are entitled to cash back after your application is apprFeatures: Various Internet account related services. Lost and stolen card reporting. Up to $500,000 in travel accident insurance. See website for additional benefits.

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5.0
Intro APR Regular APR Annual Fee Reward Type
1.99% APR for 6 Billing Cycles $0 Rebate


TrueEarnings(R) Card from Costco and American Express

The TrueEarnings® Card from Costco and American Express is a cash back rewards credit card that combines the best of both worlds. You will get both an American Express® Card and a Costco Membership Card in one, along with no annual fee for Costco members. 0% Intro APR Save a little bit extra with a 0% introductory APR on purchases for 6 months. This special offer is available to you for half a year after you sign up, allowing you to remain interest-free. After the six-month period ends, a standard APR will apply to your purchases, based on the prime rate and your credit worthiness. Earn Cash Back Now you can enjoy using a card that earns you cash back rewards on everything you buy. Receive 3% cash back for the first $3,000 spent in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel and 1% everywhere else. Costco purchases will also earn you 1% cash back. No Annual Fee You won't be charged an annual fee in order to mFeatures: No annual fee for Costco members

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4.0
Intro APR Regular APR Annual Fee Reward Type
0% on Purchases for 6 months No Annual