Top Cash Back Credit Cards & Prepaid Cards of 2021

When you use a cash back credit card you get some of your money back! The cash back credit cards can help you save on gas and groceries and can give you even more cash back when you shop online. Some credit offers may even come with a one-time sign-up bonus! Each cash rebate card has its own terms and instructions. Compare credit cards rewards terms below and apply for the card that gives the best rewards, perks, and savings.

April 2021: BEST CASH BACK OFFER

5
Card Overall Rating
Fair/Bad/Limited/No Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99 - 29.49% Variable
Annual Fee
$0
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500 - $5,000 credit limits

More Cash Back Offers

5
Card Overall Rating
Excellent/Good Credit
  • New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
  • Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.
  • You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.
  • No annual or foreign transaction fees.
  • To learn more see www.verizon.com/verizonvisacard for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of December 1, 2020
Annual Fee
$0178
5
Card Overall Rating
  • Earn cash back on debit card purchases and up to 15x the national interest rate on savings
  • Choose a monthly fee you think is fair
  • Spend and save with fossil fuel-free deposits
  • Fee-free ATM withdrawals at 55,000+ Allpoint ATMs
  • Cash back on debit card purchases at socially conscious businesses
  • Up to 1.00% in interest on savings with Aspiration Plus
  • Plant a tree with every roundup
  • Personal impact score to help you shop to match your values
Guaranteed Approval
Yes
Instant Response
No
Credit Check
No
Activation Fee
$10
5
Card Overall Rating
Excellent, Good, Limited Credit
  • Earn up to 6% cash back by referring friends!
  • Start with 1% and get an extra 0.5% for a full year for every friend you bring on board.
  • Cash back not limited to certain categories, earn on almost all everyday purchases.
  • Receive cash back automatically every month as a statement credit after three on time payments.
  • Earn cash back as long as your account is in good standing.
  • Unique auto payment options that help you build and maintain your credit score.
  • Receive cash back automatically every month as a statement credit after three on time payments.
  • Earn cash back as long as your account is in good standing. If your account is past due, cash back will be locked.
  • Your cash back maximum varies based on your credit limit.
  • Cash back not limited to certain categories, earn on almost all everyday purchases.
  • See Jasper's terms and fees
  • Issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
15.49%-24.99% (Variable)
Annual Fee
$0
5
Card Overall Rating
Excellent/Good/Limited/No Credit
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back from select merchants
  • $500 - $10,000 credit limits
  • Variable APRs 12.99% - 26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
12.99% - 26.99% Variable
Annual Fee
$0
3
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
Deserve EDU Application
Compare
5
Card Overall Rating
Good/Limited Credit
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% Variable
Annual Fee
$0
4
Card Overall Rating
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.0%
Annual Fee
See Terms*
5
Card Overall Rating
Fair/Bad/Limited/No Credit
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500 - $5,000 credit limits
  • Variable APRs 19.99 - 29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99 - 29.49% Variable
Annual Fee
$0

Cash Back Credit Cards

Cash back credit cards are a great way to earn money back when you make purchases using your credit card. Funds are deposited directly into your bank account or deducted from your outstanding credit card balance, so essentially, the more money you spend, the more you save.

However, there are definitely some things to consider when deciding which cash back credit card fits your needs.

  • Look at how much you spend using your credit card and what kinds of purchases do you typically make. If you are going to make a big purchase in the near future, consider a card that has a promo offer.
  • For non-frequent credit card users, opt for a card that does not require you to enroll in order to earn rewards. The card that will reward you for every purchase you make with be the best option.
  • Know if the card has annual reward limits. You may be out spending money to rake in rewards not realizing that you have already surpassed your limit.
  • Find a card that gives you cash back on everyday purchases like groceries and gas. If you only get cash back on airfare and you never travel by air then you may have chosen the wrong card.
  • Ensure that the rewards redemption process is easy and fast. Opt for a card that deposits cash back directly into your bank account. Or choose to have your cash back redeemed as travel statement credit once you reach a certain limit.
  • Probably the easiest to overlook, be sure to redeem points before they expire.

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
A cashback card is a card that gives you cash back as rewards. Basically this means that a percentage of the amount spent on purchases is returned to you. This percentage may differ depending on the terms of a credit card issuer that produces your...
Issuers have different rules of cash back redemption. Before applying for a card always check what ways of reedeeming are available for your card: Namely, the most popular ways are the following: Bank Deposit: the cash back you’ve earned is put...
When you are thinking of applying for a credit card, all factors need to be taken into account, especially if you pay any fees for this card. With cash back cards, it's pretty simple - yes, in most cases they are worth it. Cash back cards give you...
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