Cash Rebate Credit Cards

You are currently searching for credit cards that offer cash back. However, within the search results, you can specifically be redirected to other categories of products including student credit cards and cash rebate credit cards. The information for rates and terms doesn't have a warranty. However, effort has been made to provide the most accurate information available, so you can review the terms and apply online if you want to.

Cash back cards

Cash back cards, as the term suggests come with a rebate on the expenses for which you have charged the credit card. Some credit cards offer flat percentage off on all your expenses. Other credit cards offer variable cash rebates like 1% on all purchases, but up to 5% rebate on purchases at gas stations, drug stores and select retail stores. The cash rebate is offered to you in many different ways. Some credit cards, will offer it as a deduction automatically in the following month's credit card bill. Some credit cards will send you a cheque for the cash rebate, after you claim for it every month. There are some credit cards which could offer cash rebate in the form of discounts on select purchases too.

Intro APR
APR
Ann. Fee
Summary: •The new Discover it card is out to change the way people think about credit cards. •Fair…No annual fee. No overlimit fee. ... Details
0%
10.99% -
22.99%± Variable
$0
Minimum Credit Level Needed:
Excellent
Discover® Card   
Intro APR
APR
Ann. Fee
Summary: •$100 bonus after you spend $500 on purchases within the first 3 months. •50% bonus on the cash back you earn every year. •1... Details
0%
12.9% -
20.9% (V)
$0
Minimum Credit Level Needed:
Excellent / Good
Capital One®   
Intro APR
APR
Ann. Fee
Summary: •A card designed to help those new to the U.S. establish credit and earn cash back. •Build credit with responsible use -- plus aut... Details
n/a
24.9% (V)
$0
Minimum Credit Level Needed:
Average / Limited
Capital One®   
Intro APR
APR
Ann. Fee
Summary: •No annual fee. •Earn $50 cash back with your first purchase. •With eligible online purchases through Upromise, you can earn... Details
0%
12.99% or
20.99% (Variable)
$0
Minimum Credit Level Needed:
Excellent
Barclays Bank Delaware   
Intro APR
APR
Ann. Fee
Summary: •50% bonus on the cash back you earn every year. •1% cash back on all purchases. •Earn unlimited cash back that doesn´... Details
0%
19.8% (V)
$39
Minimum Credit Level Needed:
Average / Limited
Capital One®   
Intro APR
APR
Ann. Fee
Summary: •All 32 teams and NFL Shield card available. •0% Intro APR on balance transfers and purchases for the first 12 months after accou... Details
0%
13.74% -
22.74%
(Variable)
$0
Minimum Credit Level Needed:
Excellent
Barclays Bank Delaware   
Intro APR
APR
Ann. Fee
Summary: •$100 cash back after $500 in purchases within the first 3 months of account opening. •0% Intro APR on Balance Transfers and Purch... Details
0%26
12.99% -
22.99%26 (Variable)
$026
Minimum Credit Level Needed:
Excellent / Good
Citibank   
Intro APR
APR
Ann. Fee
Summary: •Designed to help students build good credit with responsible use. •Access to your monthly credit score, plus an interactive track... Details
n/a
19.8% (V)
$0
Minimum Credit Level Needed:
Average / Limited
Capital One®   
Ann. Fee - Annual Fee           n/a - Not Applicable

Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.

General Features on Cash Back Cards

Cash back cards could earn card holders discounts worth 5% on their purchases, although one needs to focus on the fine print, to understand the reward system better.

How do they work?

Cash back credit cards can give you multiple rebate limits on different purchases. Most cash back cards could offer up to 5% discount on all purchases at supermarkets, gas stations and drug stores. There are some cash back cards which offer flat 1% on all purchases and special rebates for automobile repair, home improvement purchases, apparel, etc. A few cash back cards will allow you up to 5% off on all groceries. This could be a great reward, considering that the rising fuel prices have led to spiking up of food prices, increasing the expenses of every family.

Variable parameters on cash back cards

Cash back cards vary on many parameters. One of them could be flexibility of usage, where some cards offer cash back on purchases at all departmental stores, while some would need you to make purchases at specific retailers. Another parameter is the time available, where your highest discounts are available only during limited periods of time. The rewards could be offered in the form of direct cash deduction from bills every month or by awarding bonus points allowing you to purchase more at select retail outlets. There are also caps on spending, due to which you will not get cash back beyond a certain limit on your credit card. It is important to understand your card structure and use the conditions to make the greatest savings. Some credit cards even offer bigger cash back, for an annual fee and it is up to you to calculate which way you save more.

Downside of cash back rewards

Cash back reward cards could be confusing for a lot of card holders. The discount percentage could be different at different venues like gas stations, departmental stores, supermarkets, movie theatres, hotels and restaurants. There are thresholds on cash back available. Similarly, the cash back rewards vary based on loyalty too, where after crossing milestone expenses e.g. around $5000, the cash back percentage shoots up. The best overall cash cards are those which are simple, offering direct cash at the end of the month, and an attractive rebate of 5% on all purchases, with unlimited spending, thus allowing the most saving possible.

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.
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