Top Cash Back Credit Cards & Prepaid Cards of 2022

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.

June 2022: BEST CASH BACK OFFER

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking 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 card with the low cost and predictability of a loan

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

More Cash Back Offers

4
Card Overall Rating
  • Earn unlimited 2% cash back when you use the card.
  • No rewards caps. No categories to manage.
  • No Annual Fee and No Foreign Exchange Fees.
  • Exclusive American Express merchant offers, travel and dining benefits, and premium protection benefits.
  • Apply now for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
27.24%, 23.24%, or 15.74% variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 2% Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ
  • 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. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 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: 15.99% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
15.99% to 17.99% Variable
Annual Fee
$0
4
Card Overall Rating
Excellent/Good Credit
  • $300 cash back after the $3,000 min spend in the first 3 months of account opening1
  • 0.5% cash back on all purchases
  • 1% cash back on all purchases every month carbon zero is reached
  • Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees
  • A climate-change fighting tree planted with every swipe.
  • See terms & conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
11.65% to 21.45%
Annual Fee
$60
5
Card Overall Rating
Excellent/Good/Limited/No Credit
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 13.74% - 27.74%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • 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
13.74 - 27.74% Variable
Annual Fee
$0

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

4
Card Overall Rating
Excellent/Good Credit
  • Earn up to 10% cash back* with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
  • Shop with select brands you hold in an eligible portfolio to earn 2.5%, 5%, or 10% cash back. Get 1.5% cash back on everything else.
  • Use M1 automation to easily reinvest your rewards for long-term impact.
  • Integrate even more of your financial life in one place, while helping you grow and maximize your wealth with everyday transactions.
  • Visa Signature® benefits including Zero Liability, exclusive experiences, and more.
  • The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
  • $95 credit card annual fee waived for active M1 plus members.
  • Your first year of M1 Plus is free—a $125 value! Get exclusive features and discounts to help you build your wealth.

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

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
15.24% - 25.24% APR
Annual Fee
$95 (waived for active M1 Plus customers)
4
Card Overall Rating
  • With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn a 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.99% Variable
Annual Fee
As low as $85

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

4
Card Overall Rating
  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax

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

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.99% Variable
Annual Fee
As low as $85
Revvi Card Application
Compare

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
See website for Details
  • Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Fast and easy application; response provided in seconds
  • $300 credit limit (subject to available credit)
  • Build your credit score with on-time payments and keeping your balance below the credit limit
  • Opportunity to request credit limit increase after twelve months, fee applies
  • Checking account required
  • Reports monthly to all three major credit bureaus
  • Manageable monthly payments
  • Perfect credit not required
  • Easy-to-use mobile app for management on the go!
  • *See rates, fees, costs & limitations, and rewards for complete offer and Revvi Rewards details^^

This offer is not available in New York and Wisconsin.

Intro APR on Purchases
See website for Details^
Intro APR on Balance Transfers
See website for Details^
Ongoing APR
34.99%^
Annual Fee
$75 1st year, $48 after^

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

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • 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

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

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99% - 29.99%
Annual Fee
$0
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.
  • Only Verizon Wireless Account Owners and Managers on accounts with up to 12 phone lines max (depending on plan) are eligible to apply for the Verizon Visa® Card.
  • New enrollees to Verizon’s Auto Pay can get up to $10 per month off each eligible account or line up to 12 lines max (depending on plan). New card holders can enroll using their card which is the only credit card approved for the discount.
  • 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.
  • Card holders can use Verizon Dollars at our store - but they don’t have to. They can use them on travel, or to get gift cards from their favorite brands. They can even put them toward their wireless bill.
  • No annual or foreign transaction fees.178
  • 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
18.99% - 25.99% (variable, dependent on card type) Rates are accurate as of April 1, 2022
Annual Fee
$0178

This offer is not available in Colorado, Illinois, Massachusetts, West Virginia, Wisconsin.

4
Card Overall Rating
All Credit Types Welcome to Apply
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

This offer is not available in Colorado, Illinois, Massachusetts, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% Variable
Annual Fee
$69

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

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking 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 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

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

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
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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