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Apply for a Cash Back Credit Card

Cash back credit cards are the most popular type of rewards credit cards for a good reason. Not only do these cards offer rewards that can never lose value, many also come with sign up bonuses of up to $100 and provide card-holders with the opportunity to earn up to 5% cash back on purchases.

Below you can lean more about cash back credit cards and apply online for approval via SSL encrypted, secure applications hosted on the web sites of the issuing banks.

Citi® Dividend Platinum Select® Visa® Card

$100 cash back after $500 in purchases within the first 3 months of account opening

0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*

Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment

Enroll at no additional cost each quarter for new categories that earn additional cash back

Full 1% cash back on all other purchases and eligible cash advances.

No Annual Fee*

Discover it®

The new Discover it card is out to change the way people think about credit cards.

Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*

Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*

Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.

Flexible…Choose your own due date and pay up to midnight ET online or by phone.

Human…talk to a real person any time with 100% U.S.-based service.

0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.

0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.

Credit Card Offer Details
Purchase Intro APR	Balance Transfer Intro APR	Regular APR
0%* for 12 months*	0%* for 12 months*	12.99%-22.99%* (Variable)*

Apply Now

Credit Card Offer Details
Purchase Intro APR	Balance Transfer Intro APR	Regular APR
0% for 6 months*	0% for 18 months*	10.99% - 22.99% (V)*

Apply Now

Blue Cash Preferred® Card from American Express

Apply Now

Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.

Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.

Terms and Restrictions Apply.

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 12 months*	None*	12.99% - 21.99% Variable*	$75*	Excellent Credit

Blue Cash Everyday® Card from American Express

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Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.

Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.

No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.

Terms and Restrictions Apply.

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 12 months*	None*	12.99% - 21.99% Variable*	$0*	Excellent Credit

TrueEarnings® Card from Costco and American Express

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3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%

2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco

Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon

The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members

Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company

Terms and restrictions apply.

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 6 months*	N/A*	15.24% variable*	No Annual Fee with your paid Costco Membership*	Excellent Credit

Discover it®

Apply Now

The new Discover it card is out to change the way people think about credit cards.

Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*

Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*

Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.

Flexible…Choose your own due date and pay up to midnight ET online or by phone.

Human…talk to a real person any time with 100% U.S.-based service.

Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.

0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 14 months*	0% for 14 months*	10.99% - 22.99% (V)*	$0*	Excellent Credit

Choosing a Cash Back Credit Card

While most cash back credit cards carry relatively low interest rates (especially when compared to airline credit cards), some of the most generous cash back credit card offers carry higher interest rates than less generous ones. If you pay your credit card balance in full every month, this isn't a huge issue. However, if you carry balances from month to month, the best cash back credit card for you will likely be one with a lower interest rate, even if you won't earn as much cash back.

For example, if you choose a card that offers 5% cash back on gas and groceries, but charges a 17% interest rate, you'll likely benefit significantly less than you would with a card that only offers 1% cash back, but charges a 12% interest rate. Ultimately, the key to profiting the most from a cash back credit card lay is to select a card that matches your credit usage style. If that means passing on a juicy cash back deal for a 0% APR credit card with a lower rate, then by all means choose the card with the lower interest rate. If you're wasting cash on interest, you're not going to benefit from getting a little extra cash back.

Cash Back Credit Card Tips and Resources

Credit Card Rewards Calculator: This calculator allows you to plug in your estimated spending in specific categories such as gas, groceries and travel so you can get an estimate of how much cash back you can earn in a year.

Cash Back is the Best Credit Card Reward: Cash is king, period. Rewards points and airline miles have benefits, but cash back is the only type of credit card reward that can't lose value and can be used however you want.

How to Earn Credit Card Rewards: With the right cash back credit card, you can earn a few hundred dollars a year. The key is to use your credit card as much as possible and pay your bill in full each month to avoid interest. In this article, you can learn how I earn about $600 a year in cash back from my credit card company.

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*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the "Apply Online" button, you can review the credit card terms and conditions on the issuing company's website. Discover and other credit card companies are paid advertisers on CardWisdom.com.

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