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Top Cash Back Credit Cards & Prepaid Cards of 2023
September 2023: BEST CASH BACK OFFER
- $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
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
More Cash Back Offers
- Earn Cash Back for Everyday Purchases
- No Caps. No Limits. No Gimmicks.
- 2% Cash Back on all purchases for PenFed Honors Advantage Members
- 1.5% Cash Back on all purchases made with your card
- $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
- For a limited time earn $300 in cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days of account opening.
- 2% cashback towards eligible student loans.
- 1% cashback towards anything else.
- No annual fee.
- No foreign transaction fees.
- No interest for the first 12 months on balance transfers made in the first 60 days.
- The first credit card that lets you redeem cashback towards your student loans with any eligible servicer.
- 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®†
This offer is not available in U.S. territories.
- 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.
This offer is not available in New York.
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Perfect credit not required
- $300 credit limit (subject to available credit)
- Checking account required
- Opportunity to request credit limit increase after twelve months, fee applies
- *See Rates, Fees, Costs & Limitations for complete offer details
- ^^See Revvi Rewards Programs Terms & Conditions for details
This offer is not available in New York.
- 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.
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**
- 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
- Enjoy peace of mind with $0 Fraud liability
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
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**
- 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
- Enjoy peace of mind with $0 Fraud liability
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
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?
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