Best Cash Back Credit Card
Compare and apply for the best cash back credit card online. Featuring hundreds of cash back credit card offers, Apply Credit Card specializes in helping you find the best credit card for your needs.
Finding a credit card with cash back is no longer a challenge, but selecting the best cash back credit card for your needs has become much more challenging. Discover card was the first well known cash back credit card however, as the competition has increased between banks, cash back credit cards are now very common with most banks running several cash back credit card offers at any given time.
Best Cash Back Credit Card
| Annual Fee | Transfer Fee | Transfer APR | Intro APR | Regular APR | Recommended Credit | ||
|---|---|---|---|---|---|---|---|
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$0 | 3% | 17.24% | 0.00% | 17.24 | EXCELLENT CREDIT |
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$0 | 3% | 15.24% | 0.00% | 15.24% | EXCELLENT CREDIT |
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$175 | N/A | N/A | N/A | N/A | EXCELLENT CREDIT |
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$25 | N/A | N/A | N/A | N/A | EXCELLENT CREDIT |
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$0 | 3% | 17.24% | 0.00% | 17.24% | EXCELLENT CREDIT |
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$0 | 3% | N/A | 0.00% | as low as 13.99% | POOR CREDIT |
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$0 | 4% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
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$0 | 4% | 3.99% | 3.99% | 11.99% - 20.99% | EXCELLENT CREDIT |
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$0 | N/A | N/A | 0.00% | as low as 13.99% | NO CREDIT |
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$0 | N/A | N/A | 0.00% | as low as 13.99% | POOR CREDIT |
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$0 | N/A | N/A | 0.00% | as low as 13.99% | POOR CREDIT |
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$0 | N/A | N/A | 0.00% | as low as 13.99% | NO CREDIT |
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$0 | N/A | N/A | 0.00% | as low as 13.99% | POOR CREDIT |
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$0 | N/A | N/A | 0.00% | as low as 13.99% | POOR CREDIT |
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$0 | 4% | 0.00% | 0.00% | As low as 11.99% | EXCELLENT CREDIT |
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$0 | 3% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
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$0 | 0% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
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$0 | 4% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
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$0 | 3% | 0.00% | 0.00% | 11.99% - 20.99% | EXCELLENT CREDIT |
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$0 | 2% | 1.99% | 9.25% | 9.25% | GOOD CREDIT |
Cash Back Credit Card
There are several things to consider which comparing cash back credit cards. Aside from the percentage rate of the cash back return, also consider the monthly limits on cash back. Some cards place a limit such as only on $400 dollars worth of purchases in a given month. Others take a tiered approach offering a small percentage on the first money spent such as .5% on the first $1000 dollars spent a month and then gradually increase to where you earn 6% if you spend over $100,000 in a month. Therefore unless you are a big spender, you may never see the higher cash back percentage, such as 6% cash back, on some of the cash back cards. Most people with normal spending habits will be able to obtain 3% cash back on certain purchases such as gas or at certain merchants such as Amazon with 1% cash back on most other purchases.
Cash Back Credit Card Offers
Comparing cash back credit card offers has become challenging. Banks are now offering cash bank as a teaser to get people to apply for their cards. A common approach is double cash back for the first 6 months or a higher cash back percentage for the first 6 months which then reverts to the lower percentage for the life of the card. Typically cash back offers range from 1% to 6%. The higher percentages are normally related to special purchases or at a specific retailer. Therefore you need to consider your spending habit and find a card that provides the best cash back for where you spend the most. It also may be necessary to carry multiple cash back credit cards. For example you may want to apply for a gas credit card and a department store credit card to obtain maximum cash back for your daily spending.