Cash Back Credit Cards

These cards offer cash back or cash rebate incentives just for using your card for everyday purchases. Consumers usually need a good to excellent credit rating for approval. Rebates can come in the form of an account credit or a check.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:
Best Card Features: No Annual Fee, Bonus Offer, Cash Back
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 – 25.24%.
  • Regular APR
    16.49% - 25.24% Variable
  • Intro APR
    0% Intro APR on Balance Transfers for 15 months; 0% Intro APR on Purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: 1.5% cash back on all purchases; $150 bonus after spending $500 in first 3 months
  • One-time $150 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
  • 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
  • Regular APR
    15.74% - 25.74% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: Earn cash back twice. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
  • Earn cash back twice. 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Regular APR
    15.49% - 25.49% (Variable)
  • Intro APR
    0% intro APR for 18 months on balance transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: $200 bonus after spending $1,000 in first 90 days; no annual fee
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Regular APR
    15.49% - 25.49% Variable APR on purchases
  • Intro APR
    0% Introductory APR on purchases for 15 billing cycles; 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: 4% cash back on dining & entertainment, 2% at grocery stores; $300 bonus after spending $3000 in first 3 months
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • Regular APR
    16.24% - 25.24% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit 700 - 749

Best Card Features: No annual fee; 3% cash back on dining & entertainment; 2% on groceries; $150 cash bonus after spending $500 in first 3 months
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • Regular APR
    15.74% - 25.74% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: 1.5% cash back on every purchase; access to higher credit line after making first 5 monthly payments on time
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $39
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% intro APR for 12 months
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • Regular APR
    14.40% - 24.40% (variable)
  • Intro APR
    0% APR for 12 months on purchases and balance transfers
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No Annual Fee; Cash Back match at the end of your first year; Social Security Alerts
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Regular APR
    24.49% Variable
  • Intro APR
    10.99% on balance transfers for 6 months
  • Annual Fee
    $0
  • cdm-card

    Bad Credit300 - 639

Best Card Features: Unlimited 1.5% cash back, Bonus cash back
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Regular APR
    14.74% - 20.74% Variable
  • Intro APR
    0% Intro APR on Purchases for 12 months
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: Cash Back Rewards, Bonus Offer, No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Regular APR
    14.74% - 20.74% Variable
  • Intro APR
    0% Intro APR on Purchases for 12 months
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: No annual fee; earn 1% cash back on all purchases; pay on time to boost your cash back to 1.25% for that month
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Regular APR
    26.99% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Rewards Points, No Annual Fee
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don’t expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You’ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • Regular APR
    13.74% - 23.74% Variable APR on purchases
  • Intro APR
    0% for 9 billing cycles
  • Annual Fee
    $0.00
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Available for businesses with average credit; no annual fee; 1% cash back on all purchases
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • Regular APR
    24.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Qualified applicants will enjoy 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
  • Regular APR
    19.74%-25.74% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: 4% cash back on first $7000 in eligible gas purchases; 3% at restaurants & eligible travel; 2% at Costco & Costco.com
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Regular APR
    16.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; earn 1.5% cash back for every $1 spent; $200 bonus once you spend $3,000 within first 3 months
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% – 22.74% variable APR after that
  • Regular APR
    14.74% - 22.74% (Variable)
  • Intro APR
    0% on purchases for 9 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: Earn 2% cash back on every purchase; $500 cash bonus after spending $5,000 in first 3 months
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Regular APR
    18.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit 700 - 749

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