See your score, how your existing accounts stand and see cards that are right for you. Our up-to-date list of cash back offers makes it easy to find a card that will maximize your savings.

Review this list of offers from our partners to find the card that rewards the categories you use most. Or find a one that offers a high rebate on all purchases. With the Capital One Quicksilver card, cardholders earn a simple, unlimited 1. The Discover it card is a good no-fee card with one very enticing feature: It matches all your cash back at the end of your first year of membership.

If you're looking for a basic cash back card to use on general purchases and don't want to bother with bonus categories, the Wells Fargo Cash Wise Visa card is a good choice — particularly if you bank with Wells Fargo. The Chase Freedom Unlimited card is a great option for cardholders who want to earn a high general rewards rate without having to track or opt in to bonus categories. Help your favorite cause and earn cash back, too. The Citi Double Cash is a great cash back card that lets you earn cash back twice — you earn 1 percent on every dollar you spend and 1 percent when you pay your bill on time, with no caps or restrictions.

The CashForward card offers a generous cash back program with 1. All reviews are prepared by CreditCards. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

No matter your purchase habits, there's likely a cashback card for you. You can earn cash without having to think about it. You can max out rewards by pairing this kind of card with a travel rewards card. You can even build your credit when it's not at its best while earning cash back.

Many have no annual fee. There is also the option of rotating categories or flat cashback percentages. We'll explain all that in easy-to-understand language. Here's what you need to know:. Cashback credit cards work in a variety of ways, usually offering a percentage back for your purchases. Say you have a Wells Fargo Cash Wise card, which gives 1. Some cashback cards are a little more complicated. They might pay for quarterly categories, for example, such as the Discover it Cashback Match.

Categories can include wholesale clubs, restaurants, gas and more. The advantage with a card that has quarterly categories is that you get a higher reward. However, there are usually signups, limits and you have to keep track of which categories qualify.

Depending on the card, cash back can be in the form of credit statements, bank deposit, checks, even merchandise through shopping portals. For example, Discover Deals allows you to get cashback bonuses or money off your purchases. Through these shopping portals, you can shop for clothing, gifts, health and beauty aids, travel and more. Some cards, such as the Wells Fargo Propel, allow you to redeem for gift cards.

Some cashback cards offer a signup bonus in exchange for a certain spend in a certain amount of time. On the surface, it doesn't make sense why creditors or credit card issuers offer cashback credit cards. Used correctly, you can get hundreds of dollars back each year. But it makes sense, once you understand the issuer business model.

Here's how it works:. With all these fees floating around, what do you do? First off, pay in full and on time each month. That will keep you from paying late fees and interest fees. Also, keep an emergency fund so you won't be tempted to take out a cash advance. Finally, ask the merchant if you are being charged a checkout fee for using your Visa or MasterCard.

If so and it's a big purchase, you may want to think about shopping elsewhere. There is no typical cashback rate. Cards can pay out a flat 1. Some cards, such as the Chase Freedom, pay out for categories that you sign up for each quarter. Track your spending for 2 months. You'll want to see how much you spend on items such as groceries and gas. Also look at how much you spend at specific stores, such as Sam's Club or Amazon.

Study a mix of cashback cards, including Discover it Cashback Match, Blue Cash Preferred and Chase Freedom Unlimited.

Each has a specific type of model: The Cashback Match offers quarterly categories as does the Chase Freedom ; Blue Cash Preferred offers yearlong rewards for specific categories; and the Chase Freedom Unlimited as well as the Wells Fargo Cash Wise offers a percentage for all purchases. If Amazon is a go-to for you, the Cashback Match may be a good choice for you. If you have a family and spend a lot on groceries, the Blue Cash Preferred can be a good option.

And if you don't want to be pinned down by what you use your card for, the Cash Wise might be the one for you. The Cashback Match is generous with this category, as is the Chase Freedom. This is a good category for the millennial to target if your evenings center around trying out new restaurants or during the workweek checking out the latest lunch spot. Do a lot of shopping online?

This is an increasingly popular category for cashback cards, sometimes as a quarterly category and sometimes in a limited time offer. Groceries are a favorite category for cashback cards. In addition, during the quarter when grocery stores were featured, Chase Freedom included drugstores. Some cards give a higher percent for gas, such as the Blue Cash Preferred. This category is a good choice for the daily commuter or if you do a whole lot of shuttling the kids and the soccer team.

Cards with rotating categories usually give you a higher percentage back than other cards, but only for a quarter. Categories can be restaurants, groceries, gas and more.

In the last year, Amazon.

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An alternative is the flat rate, which gives you the same amount back regardless of the purchase. The amount is usually 1. And there is no maximum spend. From incurring additional debt to impacted credit, there can be disadvantages to cashback credit cards.

On the plus side, you can earn cash back for using your cashback card. On the downside, you can end up owing more than you can pay off or even harming your credit. Here are possible disadvantages to cashback cards and what you can do about them:. You can redeem cash rewards a number of ways, depending on the card. In most cases, you get a statement credit, but some issuers allow you to spend your cash back on shopping or gift cards. In some cases, you can deposit the cash back in a bank account or get a check cut.

Issuers might give a better deal for the statement credit, though. Most cashback credit cards give you your cash in what's called a statement credit. That means that on your monthly statement, you'll see a positive balance that you can use toward your monthly bill. Some issuers also allow you to deposit your cash back into a bank account or even get a check cut, however, there can be financial incentives to opt for a statement credit.

You may be wondering why you should use a cashback credit card. If you can pay your balance in full and on time each month, you can earn cash back in the hundreds each year.

Also, by paying in full and on time each month, you will improve your credit, because FICO, the dominant scoring model, loves it when you don't carry a balance on your credit cards, and it really loves when you pay on time. There can be limitations on where you can spend your cashback rewards, because issuers have different rules for how you can get your cash back.

Some issuers, such as Discover, also have portals where you can shop with your cash back while getting discounts on goods and gift cards. Cashback rewards are usually not taxable as income; they are typically considered a discount by the IRS. The same is true of rewards points and miles. TurboTax gives the example of when you are self-employed and you purchase a cellphone that you only use for business. Although your phone is deductible on your taxes, TurboTax points out that you can only deduct your actual cost.

There are a number of ways you can maximize your cashback rewards. It starts with choosing your card. Our cash back credit card reviews can help you make your final decision once you narrow it down to a few contenders. The details in these reviews can better inform you about which cards best fits your needs. We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account number, phone number, or email address.

Keep in mind that anything you post may be disclosed, published, transmitted or reused. The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Simply provide your basic information, and view offers that match your credit profile within seconds.

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APPLY NOW at Capital One's secure site Credit Needed Excellent, Good. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. Redeem your cash back for any amount, any time. Cash rewards never expire.

APPLY NOW at Discover's secure site Credit Needed Excellent, Good. CARD DETAILS No annual fee New Offer: APPLY NOW at Bank of America's secure site Credit Needed Excellent, Good.

APPLY NOW at Wells Fargo's secure site Credit Needed Excellent, Good. Over 1 million more places in the U. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.

APPLY NOW at American Express's secure site Credit Needed Excellent, Good. CARD DETAILS New Offer: CARD DETAILS Unlimited 1. APPLY NOW at Chase's secure site Credit Needed Excellent, Good. After that, the variable APR will be APPLY NOW at Citi's secure site Credit Needed Excellent, Good.

After that, a variable APR will apply, APPLY NOW at Barclaycard's secure site Credit Needed Excellent, Good. Compare Cash Back Credit Card Offers By: Restaurants The Cashback Match is generous with this category, as is the Chase Freedom. Wholesale clubs This is an increasingly popular category for cashback cards, sometimes as a quarterly category and sometimes in a limited time offer.

Grocery stores Groceries are a favorite category for cashback cards. Transportation Some cards give a higher percent for gas, such as the Blue Cash Preferred. See the online cash back credit card applications for details about terms and conditions of cash back rewards programs and offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

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