Top Cash Back Credit Cards & Prepaid Cards of 2024

Today, there are many ways to earn cash back: from having a bank account with cash back benefits to using a credit card with rewards. 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! Bank accounts can offer cash back at partners, on recurring payments, subscriptions, or even on everyday expenses. Compare rewards offers below and apply for the one that gives the best rewards, perks, and savings for you.

June 2024: BEST CASH BACK OFFER

5
Card Overall Rating
Excellent / Good Credit
Intro APR on Purchases
0% (up to 15 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Regular Purchase APR
See Site
Annual Fee
$0
  • Earn a welcome bonus for meetings spending requirements, terms apply.
  • Earn Cash Back on everyday purchases at your favorite places. Cash back won’t expire.
  • 0% Intro APR on purchases or balance transfers for more than a year; ongoing variable APR applies after that. There is a balance transfer fee.
  • No annual fee.

More Cash Back Offers

4
Overall Rating
  • Up to 2% cash back on debit purchases1
  • No monthly fees2
  • Get paid up to 2 days early3
  • Maximize your rewards with direct deposit4
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay*
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
5
Overall Rating
  • $200 cash bonus for $500 or more in Direct Deposits within 90 days
  • No hidden fees and No minimum balance
  • Extra Time® to avoid overdraft fees
  • Peace of mind with fraud protection
  • Access to your eligible payroll direct deposits up to 2 days early with free Early Pay
  • Get a cash advance on your next qualified deposit with MyAdvance®
  • Open a new account in minutes
APY
See terms
Monthly Fee
No
Minimum Deposit
No
Online Banking
Yes
5
Overall Rating
  • Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
  • Advance up to $250 from your next paycheck.
  • Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
  • Access your paycheck up to 2 days early with direct deposit.
  • No hidden fees ($0 minimum balance and $0 maintenance fees).
  • Genius subscribers can withdraw cash fee-free at 55,000+ ATMs.
APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
4
Card Overall Rating
  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99% or 36% Fixed
Annual Fee
As low as $85

This offer is not available in U.S. territories.

4
Card Overall Rating
  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®

This offer is not available in U.S. territories.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99% or 36% Fixed
Annual Fee
As low as $85

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
5
Card Overall Rating
  • New feature! Earn up to 10% cash back on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99% (variable)
Annual Fee
$0
4
Card Overall Rating
  • New feature! Earn up to 10% cash back on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
25.64% (variable)
Annual Fee
$35
4
Card Overall Rating
Poor/Limited/No Credit
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
19.24% (V)
Annual Fee
$39

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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