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Top Cash Back Credit Cards & Prepaid Cards of 2025
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.
January 2025: BEST CASH BACK OFFER
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
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 3% unlimited cash back on every purchase in Home, Health, and Auto categories
- No annual fee
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
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
- Excellent option for a low fully refundable security deposit, get started with just $100
- Earn up to 10% cash back on everyday purchases
- Minimum payment as low as $10
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- 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
- 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
29.24% (variable)
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
- 2% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99%^
Annual Fee
$0^
- Earn unlimited cash back at millions of merchants. No restrictions. No rotating categories. No annual fee.272
- Earn 3% cash back when you check out with PayPal. Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.
- Earn 1.5% cash back everywhere else Mastercard is accepted.
- Easily redeem the cash rewards you earn to PayPal anytime, anywhere with the PayPal app and PayPal.com. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
- The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
- The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
19.49% - 34.24% Variable APR as of 1/15/2025272
Annual Fee
None272
This offer is not available in AK, AR, CT, DC, IA, MA, MD, ME, NC, NE, NV, NY, RI, VT.
- See if you're pre-approved with no impact to your credit score.
- Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months.
- Earn unlimited 1% cash back on purchases.
- Building your credit? We report to the major credit bureaus and good payment habits can pay off.
- Easily manage your account and make payments using BrightWay App.
- BrightWay cards are issued by WebBank.
- See the OneMain Financial BrightWay® Card rates and fees.
This offer is not available in AK, AR, CT, DC, IA, MA, MD, ME, NC, NE, NV, NY, RI, VT.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%
Annual Fee
$0 - $89
- 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
29.24% (variable)
Annual Fee
$0
- 1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- May Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%^
Annual Fee
$39^
- 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
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% 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®†
- *See Program Terms for important information about the cash back rewards program.
- ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- †Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99% or 36% Fixed
Annual Fee
$85 - $175 first year, $229 thereafter
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- Free Access to your Credit Score†
- The Imagine Card is issued by Webbank.
- See Cardholder Agreement for important information about terms.
- *See Program Terms for important information about the cash back rewards program.
- **Zero liability subject to Visa’s Zero Liability Policy.
- †Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.
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 $99
- 1% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%^
Annual Fee
$75^
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
- No annual fee
- Pay no interest when you payoff your balance early each statement period*
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for everyday expenses and large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy
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
- Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
- Secure your credit line with your refundable security deposit – choose from $200 - $2,000. With the ability to increase up to $5,000 over time!
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Designed to push you forward on your credit building journey with $0 Annual Fee.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
- All credit types welcome to apply!
- 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.
- *See Important Disclosures for complete offer details
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
28.24% (V)
Annual Fee
$0.00
This offer is not available in U.S. territories.
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 Credit Limit
- Use Anywhere Mastercard® is Accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
- *See Program Terms for important information about the cash back rewards program.
- **Fraud liability subject to Mastercard® rules.
- †Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
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
$85 - $175 first year, $229 thereafter
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 1.5% unlimited cash back on every purchase
- No annual fee
- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- Contactless payments with Apple Pay® and Google Wallet™
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
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
- Earn 1% Cash Back Rewards with First Progress Prestige!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- You Can’t Rebuild credit with a Debit Card. Try First Progress Today!1
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
- All credit types welcome to apply!
- 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
14.24% (V)
Annual Fee
$49
- 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
- Choose our First Latitude Elite Card for a lower annual APR!
- Apply now and fund your security deposit over 90 days with the option to make partial payments.
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.1
- No minimum credit score required for approval!
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- 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.
- *See Important Disclosures for complete offer details
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
24.24% (V)
Annual Fee
$29.00
- 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
24.89% (variable)
Annual Fee
$35
- Get a First Progress Select Card and Earn 1% Cash Back Rewards!
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
- 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
18.24% (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.
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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