Compare Cash Back Credit Cards

A cash back credit card is a type of credit card that gives you a cash back for purchases made with your credit card.

Usually, a credit card with cash back will give you a small percentage of cash back, around 1%, on all purchases. Specific purchases, like groceries or gas can earn higher percentage rewards. With some cash back cards, you can earn up to 5% cash back on select purchases; 5% back is rare and usually the upper limit for this type of reward. Compare cash back credit cards below to see what kind of rewards you will get with different cards, and what kind of fees you can expect to pay for a credit card with cash back.

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    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $489.52 $405.45 $1,794.97
    * 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 ? $1,200.00 $650.50 $540.60 $2,391.10
    * 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.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * 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 $2,051.40 $1,226.42 $1,032.45 $4,310.27
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, 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® Summary

    • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.

    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.

    • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.

    • Free FICO® Credit Score online and on monthly statements*.

    • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*

    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.

    • 100% U.S.- based customer service—anytime, day and night.

    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

    MyRatePlan's Expert Rating & Review

    Discover it® review written by and updated on .

    Expert Rating: 4.90 / 5 stars

    4.9
    • Pros:

      This card does not charge most fees that other cards charge which include: foreign transaction fees, late fees on the first late payment, and annual fee. In addition, Discover will not increase the cardholders APR if they pay late. The card also offers a great cash back bonus program with 5% cash back in rotating categories, as well as 1% cash back on all other purchases. Lastly, the introductory 0% APR period on both purchases and balance transfers is generous.

    • Cons:

      None

    • Our Final Take:

      The Discover it Card is one of the best credit cards available, and one of the highest rated cards at MyRatePlan. You'd be hard-pressed to find another comparable cash back credit card for people with good credit or better.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Discover it®

    • Intro APR

      0%
      6 months
    • Regular APR

      10.99% - 22.99% Variable*
    • Balance Transfer

      0%
      18 months
    • Average Savings

      $1,721.70 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $652.73 $405.45 $1,958.18
    * 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 ? $870.30 $540.60 $540.60 $1,951.50
    * 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.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * 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 $1,721.70 $1,279.73 $1,032.45 $4,033.88
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, 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 Summary

    • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.

    • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.

    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.

    • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.

    • Free FICO® Credit Score online and on monthly statements*.

    • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.

    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.

    • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

    MyRatePlan's Expert Rating & Review

    Discover it® - 18 Month Balance Transfer review written by and updated on .

    Expert Rating: 4.80 / 5 stars

    4.8
    • Pros:

      The 0% introductory APR period on balance transfers is one of the longest you can find on any card on the market. This card also does not charge most fees that other cards charge which include: foreign transaction fees, late fees on the first late payment, and annual fee. In addition, Discover will not increase the cardholders APR if they pay late. The card also offers a great cash back bonus program with 5% cash back in rotating categories, as well as 1% cash back on all other purchases.

    • Cons:

      We can't find any.

    • Our Final Take:

      The Discover it Card is one of the best balance transfer credit cards available. In addition, it'd be tough to find another cash back credit card for people with good credit or better with as long of a 0% introductory APR period on balance transfers.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Discover it® - 18 Month Balance Transfer

    • Intro APR

      n/a
    • Regular APR

      24.99%* Variable
    • Balance Transfer

      N/A
    • Average Savings

      $523.90 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $0.00 $0.00 $0.00 $0.00
    * 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 ? $450.30 $-299.40 $-299.40 $-148.50
    * 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 ? $48.60 $48.60 $48.60 $145.80
    * This card offers 2x points per $1 spent on gas, groceries and utilities (estimated at $.02). We assume 35% of purchases made with this card are on these premium purchases, with the remaining 65% receiving the standard one point per $1 spent (estimated at $.01).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $25.00 $0.00 $0.00 $25.00
    * Cardholders earn 2,500 bonus points after their first purchase, an estimated $25 value. 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 ? -$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 $523.90 $-250.80 $-250.80 $22.30
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, 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® Rewards MasterCard® - Average Credit Summary

    • No annual fee

    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else

    • Use the points you earn like cash to pay for almost any purchases you've made.

    • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.

    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score

    • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

    MyRatePlan's Expert Rating & Review

    Barclaycard® Rewards MasterCard® - Average Credit review written by and updated on .

    Expert Rating: 4.65 / 5 stars

    4.65
    • Pros:

      The Barclaycard® Rewards MasterCard® - Average Credit offers great rewards for a credit card designed for people with average credit scores. With the Barclaycard® Rewards MasterCard® - Average Credit, cardholders earn 2 points for each dollar spent on gasoline, groceries, or utilities, which are most people's main spending categories, and 1 point for each dollar spent on any other purchases.

    • Cons:

      None.

    • Our Final Take:

      This card is definitely one of the best credit cards for average credit out of any of the cards available today. If you have average credit and want a solid rewards credit card with no annual fee, then this is probably the card for you.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Barclaycard® Rewards MasterCard® - Average Credit

    What is a cash back credit card?

    A cash back credit card, (also known as a rebate card), is an incentive program by which a credit card company encourages you to use your credit card for all of your purchasing. When you make a purchase with your credit card, your credit card company automatically returns a small percentage of your purchase back to you. So if you spend $10 on a meal, you might see a return of $0.20 (2% cash back) on your next credit card statement.

    Cash back credit cards tend to offer different returns on different types of purchases. However, for the most part, the amount returned remains the same between credit card companies:

    • 2-5% back on groceries
    • 2-5% back on gas
    • 2-5% at specific retail locations that are partnered with your credit card
    • 1% on all other purchases

    Your creditor will either subtract your cash back from your monthly balance (an account credit) or they will send you a check (usually, you have to request this). Sometimes creditors have limits on when they will award payments. Sometime you have to wait until your rebate has passed a certain minimum amount, around $50, and sometimes you have to wait until the end of the calendar year (which might not be a bad thing if it defrays the cost of Christmas presents).

    Cash Back Credit Card Considerations

    Even the best cash back credit card will have some drawbacks that you should know about.

    • Require good credit
    • Annual fees
    • Rebate limits

    Credit cards with cash back can be very expensive and somewhat exclusive. As with any rewards card, you have to have a very good credit score in order to qualify for a credit card with cash back. Creditors are often hesitant to give rewards cards to people with bad credit scores because people with bad credit scores are considered high risk debtors. Creditors don’t want to offer incentives to high risk debtors because the credit card company may not be repaid in full or at all.

    Also, a credit card with high cash back percentages is more likely to have annual fees. Make sure the annual fee on the card you want does not exceed the potential cash back you could earn with that card.

    You should make sure that your spending habits are conducive to using a cash back credit car. Otherwise, you could end up spending more on fees than you end up saving through rebates. For example, if you don’t own a car, then it doesn’t make much sense to a get a cash back credit card with particularly good rewards for gas purchases.

    There are also some limitations on how much you can save through cash back credit cards. Some credit card companies put caps around $250 or $300 on certain types of purchases, so you may only end up saving about $250 on gas purchases even if it seems like you should have saved more than that.

    You may also want to consider how credit cards are able to afford cash back for their customers.