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Compare Cashback Credit Cards

Cash back credit card offers from our partners

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Cash back credit cards allow you to earn back a percentage of what you spend on eligible purchases. In essence, it’s a discount on purchases you make with your credit card. When comparing cash back credit cards, a place to start is to look for one that offers the greatest rewards where you spend the most. 

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Chase Freedom Unlimited®

3.7
163 Reviews
Learn More
Regular APR
19.49% - 28.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
Highlights
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
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Regular APRAnnual FeeCredit Needed
19.49% - 28.24% Variable$0Excellent, Good

Citi Double Cash® Card

3.5
91 Reviews
Learn More
Regular APR
18.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good, Fair
Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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Rates and Fees
Regular APRAnnual FeeCredit Needed
18.24% - 28.24% (Variable)$0Excellent, Good, Fair

Capital One QuicksilverOne Cash Rewards Credit Card

3.9
831 Reviews
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Regular APR
29.74% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
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Rates & Fees
Regular APRAnnual FeeCredit Needed
29.74% (Variable)$39Average, Fair, Limited

Credit One Bank® Unsecured Visa® with Cash Back Rewards

3.3
210 Reviews
Learn More
Regular APR
28.99% Variable
Annual Fee
$0 - $99
Credit Needed
Bad, Fair or Good Credit
Highlights
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Free Online Credit Score and Credit Report summary, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
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See Rates and Fees
Regular APRAnnual FeeCredit Needed
28.99% Variable$0 - $99Bad, Fair or Good Credit

Aspire® Cash Back Rewards Card

3.1
22 Reviews
Learn More
Regular APR
29.99% or 36% Fixed
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair
Highlights
  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†
  • *See Program Terms for important information about the cash back rewards program.
  • ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
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Regular APRAnnual FeeCredit Needed
29.99% or 36% Fixed$85-$175 first year, $229 thereafterFair

Total Visa® Card

2.6
171 Reviews
Learn More
Regular APR
35.99%*
Annual Fee
See Terms*
Credit Needed
Fair/Bad Credit
Highlights
  • An initial credit limit Up To $500! (See terms*)
  • Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
  • Checking account required.
  • Free credit monitoring powered by TransUnion®
  • See if you pre-qualify with no impact to your credit score.
  • Fast and easy application process.
  • All credit types welcome to apply.
  • *See Rates, Fees, Costs & Limitations for complete offer details https://totalcardvisa.com/pdf/TotalVisa_rates_fees_costs_and_limitations.pdf
  • See Total Card Visa Rewards Programs Terms & Conditions for details https://images.totalcardinc.com/documents/TBOMrewards.pdf
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Regular APRAnnual FeeCredit Needed
35.99%*See Terms*Fair/Bad Credit

First Digital Mastercard®

3.3
36 Reviews
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Regular APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Credit Needed
Poor/Damaged/Fair
Highlights
  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • *See Rates, Fees, Costs & Limitations for complete offer details https://images.totalcardinc.com/documents/cardholderagreement/CHA_202208FD1_1.pdf
  • See Cash Back Rewards Programs Terms & Conditions for details https://images.totalcardinc.com/documents/firstdigitalrewards.pdf
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Regular APRAnnual FeeCredit Needed
35.99%*$75.00 1st year, $48.00 after*Poor/Damaged/Fair

First Access Visa® Card

3.5
52 Reviews
Learn More
Regular APR
35.99%*
Annual Fee
See Terms*
Credit Needed
Fair
Highlights
  • An initial credit limit Up To $500! (See terms*)
  • First Access gives you 1% Cash Back – perfect credit not required!
  • Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
  • Manage your account & 1% Cash Back Rewards on the First Access Card Mobile App!
  • *See Rates, Fees, Costs & Limitations for complete offer details https://www.firstaccesscard.com/pdf/firstaccess_rates_fees_costs_and_limitations.pdf
  • See First Access Rewards Programs Terms & Conditions for details https://www.firstaccesscard.com/documents/TBOMrewards.pdf
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Regular APRAnnual FeeCredit Needed
35.99%*See Terms*Fair

About Cash Back Credit Cards

Cash back credit cards offer cash back rewards instead of points or miles for your purchases. Some of the biggest cash back credit cards offer a flat percentage on your purchases while others offer tiered rewards on your “eligible” purchases. For example, you may have a credit card that pays 3% cash back at supermarkets and 2% cash back for dining at restaurants, or a credit card that offers cash back in spending categories up to a quarterly limit in categories that change each quarter and that you need to activate. Some cash back cards may have quarterly or annual spend limits on your earnings.

Like airline and hotel co-branded credit cards that offer a bonus to new members, many cash back credit cards offer a cash rewards bonus to qualifying new members. To earn the bonus, you usually have to spend a certain amount on purchases with your credit card in the first few months after opening your account. Some cash back credit cards charge an annual fee.

Cash is cash. You’ll always be able to spend it. Some consumers prefer the simplicity of cash back to points systems that are tied to a particular brand or group of brands. While you might not know whether you’ll be able to use a night at a particular hotel chain, you can be confident that you’ll find a use for cash.

Cash back credit cards don’t come in a one-size-fits-all package. Some offer a flat rewards rate and others vary cash back rates with the type of purchase or the time of year. If you don’t want to think about spending categories, a flat rate might be a better type of cash back card for you. If you are willing to maximize your use of a credit card for certain types of purchases, plenty of cash back cards are available for different kinds of spenders.

Some cash back cards are designed for people with good credit while others are reserved for people with excellent credit scores. Reviewing your credit score and credit report can give you an idea of which category you fall into. Understand that credit card issuers look at a variety of factors, including your credit score, to determine if you are eligible for one of their products.

Cash back credit cards may be a fit for many individuals, especially those who prefer cash to other types of rewards. Depending on the credit card, you may be able to apply cash rewards as a statement credit, redeem your cash back rewards for gift cards or have the money deposited into your bank account. In fact, some banks offer a customer bonus when you redeem your cash back rewards into an eligible account with the same bank.

You might get more value from your rewards if you choose a credit card that offers redemptions other than cash back. Point and mile values are often higher when you redeem them for tangible goods like travel and merchandise. Remember that annual fees and other costs diminish the value of the rewards you earn. For example cash back rewards cards typically have higher interest rates than non-rewards cards so if you tend to carry a balance any interest charged can cancel out any rewards earned. Make sure you stay within your means and don’t spend more just to earn rewards.

Helpful Resources

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Ask the Expert: Should I Close the Retail Store Card I Opened?

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

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Advertiser Disclosure

Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.