Best cash back credit cards

Select your FICO® Score1 range to view the best cash back credit cards:

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300-579 Poor 300-579 (Poor)
580-669 Fair 580-669 (Fair)
670-739 Good 670-739 (Good)
740-799 Very Good 740-799 (Very Good)
800+ Exceptional 800+ (Exceptional)
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Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Apply

on American Express®'s secure website

Apply

on American Express®'s secure website

APR
13.74%-24.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$95
Rewards

3% Cash Back

Intro Bonus Worth: $150

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
$95 annual fee.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Apply

on American Express®'s secure website

Apply

on American Express®'s secure website

APR
13.74%-24.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$0
Rewards

2% Cash Back

Intro Bonus Worth: $100

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
No annual fee.
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply
Chase Freedom Unlimited℠
Chase Freedom Unlimited℠
Apply

on JP Morgan Chase's secure website

Apply

on JP Morgan Chase's secure website

APR
15.74%-24.49% Variable
Intro APR: 0% Intro APR for 15 months on purchases
Fee
No annual fee
Rewards

1.5% Cash Back

Intro Bonus Worth: $150

Balance Transfer

0% for 15 months on balance transfers

Credit Range

Good - Exceptional

Unlimited 1.5% cash back on every purchase - it's automatic
Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Redeem for cash - any amount, anytime
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom Unlimited℠
Barclaycard CashForward™ World Mastercard®
Barclaycard CashForward™ World Mastercard®
Apply

on Barclaycard's secure website

Apply

on Barclaycard's secure website

APR
15.74%, 20.74% or 25.74% Variable
Intro APR: 0% for 15 months on Purchases and 0% for 15 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards

1.5% Cash Back

Intro Bonus Worth: $200

Balance Transfer

15.74%, 20.74% or 25.74% Variable

Credit Range

Exceptional

Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
Earn unlimited 1.5% cash rewards on every purchase
Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
Cash rewards do not expire as long as your account is open, active and in good standing
Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
No annual fee
Citi® Double Cash Card
Citi® Double Cash Card
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on Citibank's secure website

Apply

on Citibank's secure website

APR
14.24% - 24.24% Variable
Intro APR: 0% Intro APR for 18 months on balance transfers
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% Intro APR for 18 months

Credit Range

Good - Exceptional

0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 14.24%-24.24% based on your creditworthiness
Balance transfers do not earn cash back
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfers must be completed within 4 months of account opening.
Earn cash back TWICE with 1% unlimited on purchases + 1% as you pay for those purchases
No restricting categories to keep track of or enroll in
There are also no caps on the total amount of cash back you earn
You can redeem cash back for checks, statement credits or gift cards
Credit card late fee pass - you get a pass on your first late fee
Click 'Apply Now' to see additional Citi® Double Cash pricing and information
See additional details for Citi® Double Cash Card
Chase Freedom®
Chase Freedom®
Apply

on JP Morgan Chase's secure website

Apply

on JP Morgan Chase's secure website

APR
15.74%-24.49% Variable
Intro APR: 0% Intro APR for 15 months on purchases
Fee
No annual fee
Rewards

1% Cash Back

Intro Bonus Worth: $150

Balance Transfer

0% for 15 months on balance transfers

Credit Range

Good - Exceptional

Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
Unlimited 1% cash back on all other purchases - it's automatic
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Enjoy new 5% categories every 3 months
Cash Back rewards do not expire as long as your account is open
No annual fee
See additional details for Chase Freedom®
Citi® Double Cash Card
Citi® Double Cash Card
Apply

on Citibank's secure website

Apply

on Citibank's secure website

APR
24.24% Variable
Intro APR: 0% Intro APR for 9 months on purchases and balance transfers
Fee
$0
Rewards
N/A

Balance Transfer

0% Intro APR for 9 months

Credit Range

Good - Exceptional

0% Intro APR for 9 months on balance transfers and purchases; after that, the variable APR will be 24.24%
Balance transfers do not earn cash back
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Earn cash back TWICE with 1% unlimited on purchases + 1% as you pay for those purchases
No restricting categories to keep track of or enroll in
There are also no caps on the total amount of cash back you earn
You can redeem cash back for checks, statement credits or gift cards
Credit card late fee pass - you get a pass on your first late fee
Click 'Apply Now' to see additional Citi® Double Cash pricing and information
See additional details for Citi® Double Cash Card
Discover it® chrome for Students
Discover it® chrome for Students
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
13.74% - 22.74% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed. 1% cash back on all your other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases. Cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome for Students
Discover it® for Students
Discover it® for Students
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
13.74% - 22.74% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases. Cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® for Students
Discover it® - 18 Month Balance Transfer Offer
Discover it® - 18 Month Balance Transfer Offer
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 6 months on purchases and 0% for 18 months on balance transfers
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 18 months

Credit Range

Good - Exceptional

You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® - Cashback Match™
Discover it® - Cashback Match™
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to he quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® - Cashback Match™
NHL® Discover it® Card
NHL® Discover it® Card
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

Choose your favorite team & show your pride - all 30 teams available. Save 10% at Shop.NHL.Com and NHL.TV™.
You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
See additional details for NHL® Discover it® Card
Discover it® chrome
Discover it® chrome
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed. Plus 1% cash back on all your other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome
Discover it® Secured Card
Discover it® Secured Card
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
23.74% Variable
Intro APR: None
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Poor - Fair

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Tools to assist you; email alerts, text reminders and 24/7 customer service.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® Secured Card
Credit One Bank® NASCAR® Credit Card
Credit One Bank® NASCAR® Credit Card
Apply

on Credit One Bank®'s secure website

Apply

on Credit One Bank®'s secure website

APR
17.15 - 23.40% Variable
Intro APR: None
Fee
$0
Rewards

1% Cash Back

Balance Transfer

None

Credit Range

Good - Exceptional

Get 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.
Show your passion for racing with the Official Credit Card of NASCAR
Zero fraud liability protects you from unauthorized charges
Stay in-the-know with customizable account alerts via email and text
Keep an eye on your credit information with free online credit score tracking
With the Official Credit Card of NASCAR, you’ll get access to exclusive offers and discounts from NASCAR partners
See additional details for Credit One Bank® NASCAR® Credit Card
Credit One Bank® Cash Back Rewards Credit Card
Credit One Bank® Cash Back Rewards Credit Card
Apply

on Credit One Bank®'s secure website

Apply

on Credit One Bank®'s secure website

APR
16.15% - 22.40% Variable
Intro APR: None
Fee
$0
Rewards

1% Cash Back

Balance Transfer

None

Credit Range

Good - Exceptional

1% cash back on all purchases for qualified applicants. Rewards post to your account automatically - no points to track or redeem. Terms apply.
Zero fraud liability protects you from unauthorized charges
Enjoy customizable email and text account notifications
See your credit score for free online every month and track your progress
Express your individuality with one of our 23 card designs, a fee may apply
Includes Travel Accident Insurance and Auto Rental Collision Damage Waiver
American Express Serve® Cash Back
American Express Serve® Cash Back
Apply

on American Express Serve®'s secure website

Apply

on American Express Serve®'s secure website

APR
None
Intro APR: None
Fee
$5.95 Monthly Fee (no fee NY, TX & VT)
Rewards

1% Cash Back

Balance Transfer

None

Credit Range

Poor - Exceptional

$5.95 Monthly Fee (no fee NY, TX & VT)
Your Full Service Prepaid Debit Account with 1% Cash Back on purchases. (American Express Serve is not a credit card.)
No credit check. No minimum balance. No hidden fees.
Earn 1% Cash Back added to your Account when you spend, for use on future purchases.
FREE Direct Deposit gets you access to your money up to 2 days faster.
FREE ATM withdrawals at over 24,000 ATMs nationwide.
Enjoy American Express service and security 24/7. Shop online and off and enjoy Card Membership benefits like Purchase Protection.
Underwritten by AMEX Assurance Company. Subject to additional terms, conditions, and exclusions.
See additional details for American Express Serve® Cash Back
Official NASCAR® Credit Card from Credit One Bank®
Official NASCAR® Credit Card from Credit One Bank®
Apply

on Credit One Bank®'s secure website

Apply

on Credit One Bank®'s secure website

APR
18.65% - 24.65% Variable
Intro APR: None
Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Rewards

1% Cash Back

Balance Transfer

None

Credit Range

Fair - Good

Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Email and text alerts remind you when your payment is due
Enjoy the flexibility to choose your payment due date. Terms apply.
Monitor your credit with free online access to your credit score
Get access to exclusive offers and discounts from NASCAR partners with the Official Credit Card of NASCAR
Credit One Bank® Platinum Visa® for Building Credit
Credit One Bank® Platinum Visa® for Building Credit
Apply

on Credit One Bank®'s secure website

Apply

on Credit One Bank®'s secure website

APR
18.65% - 24.65% Variable
Intro APR: None
Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Rewards

1% Cash Back

Balance Transfer

None

Credit Range

Fair - Good

Automatically earn 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
Choose your monthly payment due date for added convenience. Terms apply.
Track your progress with free monthly online access to your credit score
Enjoy peace of mind with $0 Fraud Liability
Stay in-the-know with customizable account alerts via email and text
Official NASCAR® Credit Card from Credit One Bank®
Official NASCAR® Credit Card from Credit One Bank®
Apply

on Credit One Bank®'s secure website

Apply

on Credit One Bank®'s secure website

APR
18.65% - 24.65% Variable
Intro APR: None
Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Rewards

1% Cash Back

Balance Transfer

None

Credit Range

Fair - Good

Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Email and text alerts remind you when your payment is due
Enjoy the flexibility to choose your payment due date. Terms apply.
Monitor your credit with free online access to your credit score
Get access to exclusive offers and discounts from NASCAR partners with the Official Credit Card of NASCAR
Credit One Bank® Platinum Visa® for Building Credit
Credit One Bank® Platinum Visa® for Building Credit
Apply

on Credit One Bank®'s secure website

Apply

on Credit One Bank®'s secure website

APR
18.65% - 24.65% Variable
Intro APR: None
Fee
$75 First year. $99 thereafter, billed monthly at $8.25
Rewards

1% Cash Back

Balance Transfer

None

Credit Range

Fair - Good

Automatically earn 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
Choose your monthly payment due date for added convenience. Terms apply.
Track your progress with free monthly online access to your credit score
Enjoy peace of mind with $0 Fraud Liability
Stay in-the-know with customizable account alerts via email and text

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.

For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Cash back credit card basics

How cash back credit cards work

Cash back rewards are based on a percentage of qualified purchases. These percentages can vary from 1% to as high as 5%. Some issuers will provide a percentage for any purchase, whereas others will have varied percentages based on purchasing categories, such as groceries or gas.

Applying for a cash back card

Not only can a higher FICO Score potentially get you a better APR, it could also get you a better rewards card. If you have a fair FICO Score, you may still qualify for a cash back card, but working on your credit and FICO Score could help you get the cash back card you want.

Additional things to look for

Issuers can also incentivize with additional cash back rewards. There are some cash back cards that reward you when you purchase and when you pay your bill, and some issuing banks will reward you again if you deposit the cash back into a qualified checking or savings account. Others will also offer higher cash back percentages for purchases made at a specific brand or store, and these may also include an annual or member fee.

Maximizing cash back rewards
  • Know your FICO Score: When you know what FICO Score range you’re in it can help you stay on top of your credit and will keep you informed with what offers are best matched for you. With your FICO Score, you will know the factors impacting your credit, so that you have a smarter way of achieving the goals you set.
  • Pay your credit card bill on time: When you miss a payment, you may pay a late fee of up to $35. If you had cash reward credit card with 1% rewards, then you would have to spend $3,500 to receive $35 in cash rewards. Paying a late fee could negate your cash rewards quickly, and it can negatively impact your FICO Score.
  • Pay off your credit card bill every month: When you pay off your bill every month, you can avoid paying any interest charges and grow your cash rewards. Carrying a high balance could negate the rewards benefits you have accumulated, and even put you in the red. High balances could also affect your FICO Score negatively. If you had spent $1,000 on a cash back credit card with 1% rewards that had an average APR, and only paid the minimum payment of $25 when the bill was due, then the interest you pay for that month could be $15. In this case, the $10 cash back for spending the $1,000 would be wiped out and you would actually owe more because of the interest accrued.
  • Consider avoiding cash advances: Typically, there is a fee associated with cash advances. For example, an issuer may charge $10 or 5%, whichever is greater. If you took an advance of $100, 5% would be $5, and since it is the lower of the two, you would have to pay a fee of $10, which in this case turns out to be a 10% fee. You would then have to spend $1,000 on a 1% cash back card, just to get that $10 fee back.

1 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.