A cash back credit card is a type of rewards credit card that offers a percentage of your purchases back in cash. This means that every time you use your card to make a purchase, you'll earn a small amount of cash back that you can redeem for a statement credit, check, or deposit into your bank account.
There are many different cash back credit cards available, each with its own rewards program and features. Some cards offer a flat cash back rate on all purchases, while others offer higher cash back rates on specific categories of spending, such as gas, groceries, or travel. Some cards also offer introductory bonuses or welcome offers that can earn you a significant amount of cash back in a short period of time.
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- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- Top rated mobile app
Capital One Quicksilver Cash Rewards Credit Card - Learn More
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- Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Top rated mobile app
Capital One Spark Cash - Learn More
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- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
Capital One Quicksilver Secured Cash Rewards Credit Card - Learn More
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- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Capital One Spark Cash Plus - Learn More
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- Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening
- Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- Member FDIC
Ink Business Cash® Credit Card
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- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- 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
Chase Freedom Unlimited®
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- Earn Cash Back Rewards* – 3% on Eligible 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 Credit Score†
*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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Purchase APR Rate: 36% Fixed - Annual Fee: $85-$175 first year, $229 thereafter - Credit Needed: Fair - Credit Line: Up to $1,000 credit limit subject to credit approval - Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars |
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- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
Learn More |
Intro (Purchases): N/A - Intro (Balance Transfers): N/A - Purchase APR Rate: 35.99%^ - Rewards Rate: 1% Cashback† - Annual Fee: $75^ - Credit Needed: See website for Details^ - Credit Limit: $300 - $1,000^
Rates & Fees |
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- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
Learn More |
Intro (Purchases): N/A - Intro (Balance Transfers): N/A - Purchase APR Rate: 35.99%^ - Rewards Rate: 1% Cashback† - Annual Fee: $39^ - Credit Needed: See website for Details^ - Credit Limit: $500 - $1,500^
Rates & Fees |
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- 2% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit on Monthly Rewards Earned
- Fast and easy application process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank
- Eligibility for a card is not guaranteed. Your eligibility for a card depends on the information you provide in your application
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
Learn More |
Intro (Purchases): See website for Details* - Intro (Balance Transfers): N/A - Purchase APR Rate: 29.99%^ - Rewards Rate: 2% Cashback*† - Annual Fee: $0^ - Credit Needed: See website for Details^ - Credit Limit: $500 - $3,000^
Rates & Fees |
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- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† 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.
Learn More |
Purchase APR Rate: 36% Fixed - Annual Fee: $85-$175 first year, $229 thereafter - Credit Needed: Fair - Credit Line: Up to $1,000 credit limit subject to credit approval - Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars |
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- Earn up to 3% cash back on all purchases
- Redeem cash back in the form of checks, statement credits, gift cards, merchandise or towards free travel
- Earn sign-up bonuses after meeting initial spending thresholds
- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking will take you to CreditSoup.com to compare Cash Back Credit Cards from participating partners
Learn More |
Intro Rate: See website for Details* - Intro (Purchases): See website for Details* - Transfers: See website for Details* - Intro (Balance Transfers): See website for Details* - Intro APR Period: See website for Details* - Purchase APR Rate: See website for Details* - Annual Fee: See website for Details* - Credit Needed: Average/Fair/Limited/Good/Excellent |
Benefits of Using a Cash Back Card
Here are some of the primary advantages of keeping a cash back credit card in your regular wallet rotation:
- Everyday Savings: You can earn clear rewards on your routine household spending. This predictable return adds up significantly over a standard calendar year.
- Uncomplicated Metrics: Cash back is simple and easy to understand. Unlike points or complicated airline miles currencies, you know exactly what your balance is worth at any given moment.
- Pure Flexibility: Cash value is highly versatile. You can apply it directly to wipe out your statement balance, move it into an emergency savings account, or drop it straight into your standard household checking account.
If you're considering getting a cash back credit card, it's important to compare different cards and choose one that fits your spending habits and financial goals. You should also make sure to read the fine print to understand any fees or restrictions that may apply.
Tips for Responsible Management
To keep your cash earnings highly profitable, execute the following strategy rules:
- Avoid Artificial Spending: Only use your card for purchases you can comfortably afford to settle immediately. Never overspend just to chase a percentage rate tier.
- Zero Balance Target: Pay your statement balance in full each month. Carrying a rolling balance creates interest charges that quickly wipe out your earned cash back values.
- Track Fee Layouts: Keep track of underlying account costs, such as annual platform fees or balance transfer percentages, which can drain your yields.
Are Cash Back Credit Cards a Good Idea?
Whether or not a cash back credit card is a good idea for you depends on your individual spending habits and financial goals. Consider the following structural factors:
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Your Spending Habits
If you process a high volume of transactions across daily essentials like groceries, gas, and utilities, an optimized cash back card functions as a structural discount. However, if you rarely use credit cards or struggle to clear monthly balances, alternative financial layouts may serve you better.
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Your Financial Goals
If your priority is tracking clear, hard liquid assets, regular cash back mechanisms streamline your metrics. You can directly channel these automatic payouts into clearing down debt lanes, feeding an emergency index fund, or budgeting for specific big-ticket purchases.
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Your Ability to Manage Credit Responsibly
If you carry a clean credit profile and maintain clear financial tracking routines, these cards act as high-leverage reward multipliers. If variable payment deadlines or open credit limits present challenges, stepping back is usually the safer move.
Pros & Cons Breakdown
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- Earn direct cash back percentages on your routine household expenses.
- Rewards tracking metrics are transparent and dead simple to understand.
- Provides liquid capital to support your emergency index funds or debt plans.
- Many top cards feature high-value upfront welcome bonuses.
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- Can tempt users into artificial overspending just to hit rewards targets.
- Carrying a running balance triggers high interest fees that ruin your yields.
- Certain cards carry annual platform fees or category target limits.
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Overall, cash back credit cards can be a great way to earn rewards and save money if you use them responsibly. However, it's important to carefully consider your spending habits and financial goals before applying for a cash back credit card. If you're not sure if a cash back credit card is right for you, talk to a financial advisor.
