Best Cash Back Rewards Credit Cards - Review & Compare Cash Back Cards

The top cash rewards cards for your wallet depend largely on how you use your credit card, pay your bills, and want to cash in on your rewards. For example, even the best cash back cards won’t earn you enough rewards to make up for interest fees if you carry a credit card balance.

The types of things you spend the most money on and where you shop can also make a big difference; a lot of cash back cards pay higher rewards at gas stations, drug stores, and supermarkets.

Plus the wide variety of rewards programs available today allow you to redeem points for cash, get a reward check, redeem gift cards, or even sign up and get paid via direct deposit.

Review the benefits and features of the top cash back cards listed below and find the right card for you.

Click Here to List Cards

	Blue Cash® from American Express	Discover® More(SM) Card	Discover® Open Road(SM) Card
Card Features	Earn Up to 5% Cash Back on Everyday Purchases - Even Gas! No Annual Fee 0% APR for Up to 12 Months on Purchases Low Balance Transfer Rate - 2.99% for 12 Months Express Approval. Get a Decision in Less Than 60 Seconds.	Get a $50 Cashback Bonus® When You Make $500 in Purchases Within the First 3 Months* 5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information	Double Cashback Bonus® on Grocery Store Purchases in November and December* 5% to 20% Cashback Bonus® at Top Online Retailers* Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners No Annual Fee Online Account Access Online Bill Payment *View Discover® Card Rates, Fees, Rewards, and Other Important Information
Best Feature	Up to 5% cash back reward; no annual fee; 0% introductory rate.	Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.	Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); no annual fee.
Worst Feature	Cash back rewards are earned for purchases only.	Low rate not available to all applicants.	Higher APR for less qualifying applicants.
Introductory Rate	0% APR for Up to 12 Months	0% Intro APR*	0% Intro APR*
Applied To	Purchases	Purchases, Balance Transfers	Purchases, Balance Transfers
APR (Cash Advances)	n/a	23.99%	23.99%
APR (Purchases)	As low as 12.49%	10.99%	10.99%
Grace Period	20 Days	25 Days (Min.)	25 Days (Min.)
Finance Configuration	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)	Two Cycles Average Daily Balance (including new purchases)
Annual Fee	$0	$0	$0
Over Limit Fee	$35	$15 on balances up to $500; $39 on balances over $500	$15 on balances up to $500; $39 on balances over $500
Cash Advance Fee	n/a	3%, $5 minimum	3%, $5 minimum
Balance Transfer Fee	3% of each balance transfer associated with this offer ($5 minimum/$99 maximum per transfer). However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.	3% for each balance transfer made under this offer	3% for each balance transfer made under this offer
Minimum Credit Limit	See Important Notations	$5,000	$5,000
Maximum Credit Limit	See Important Notations	$50,000	$50,000
Important Notes	No pre-set spending limit - purchases are approved based on credit record, account history, and personal resources. Card is currently unavailable to residents of Puerto Rico. The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 12.49% to 18.49%. See website for complete terms and conditions of card usage and application disclosure.	*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.	*The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 10.99% - 18.99%. See website for complete terms and conditions of card usage and application disclosure.
Additional Perks	Various Internet account related services. Year-end financial statement. Built-in ExpressPay feature to make purchases without having to swipe the card. No liability for unauthorized Internet transactions. Return protection. Purchase protection. Extended warranty for purchases. Auto rental insurance. Emergency card replacement. Trip planning assistance. Medical referral services. Legal referral services. Up to $100,000 in travel accident insurance. Guaranteed hotel and motel reservations. Various travel and emergency assistance services. See website for additional benefits.	Various card designs to select from. Various Internet account related services. Up to $500,000 in travel accident insurance. Fraud and security protection services. Auto rental insurance. Discounts on products and services at participating merchants and retailers. See website for additional benefits.	Various card designs to select from. Various Internet account related services. No liability for unauthorized transactions. Up to $500,000 in travel accident insurance. Fraud and security protection services. Purchase protection. Flight insurance. Auto rental insurance. See website for additional benefits.
Card Rating
Benefit Rating

	TrueEarnings® Card from Costco and American Express
Card Features	Earn Cash Back On Gas and a $25 Statement Credit With Your First Purchase Made With the Card! Earn Cash Back Virtually Everywhere You Go - 3% for Gasoline, 3% for Restaurants, 2% for Travel, 1% Everywhere Else, Including Costco No Annual Fee With Your Paid Costco Membership The TrueEarnings Card Serves as Both Your American Express Credit Card and Your Costco Membership Card No Limit on the Cash Back Earned
Best Feature	Cash back rebate program; no annual fee.
Worst Feature	Available to Costco members only.
Introductory Rate	0% APR for 3 Months
Applied To	Purchases
APR (Cash Advances)	n/a
APR (Purchases)	14.49%
Grace Period	20 Days
Finance Configuration	Average Daily Balance (including new purchases)
Annual Fee	$0
Over Limit Fee	$29
Cash Advance Fee	n/a
Balance Transfer Fee	There is no balance transfer fee for balance transfers made within the first 40 days of cardmembership. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.
Minimum Credit Limit	n/a
Maximum Credit Limit	n/a
Important Notes	To apply for the card, the applicant must have a valid Costco membership. This card is not available to Puerto Rico residents. See website for complete terms and conditions of card usage and application disclosure.
Additional Perks	Card can be used as a Costco membership card. Various travel and emergency assistance services. Auto rental insurance. Various Internet account related services. No liability for unauthorized Internet transactions. Access to various discounts at participating retailers and merchants. Extended warranty for purchases. Purchase protection. Emergency card replacement. Up to $100,000 in travel accident insurance. See website for additional benefits.
Card Rating
Benefit Rating