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Cash Back Credit Cards

Excellent credit means low interest cards - apply here: CreditSoup Cash Back Cards

What is a Cash Back Credit Card?

A cash back credit card is a type of rewards credit card that offers a percentage of your purchases back in cash. This means that every time you use your card to make a purchase, you'll earn a small amount of cash back that you can redeem for a statement credit, check, or deposit into your bank account.

There are many different cash back credit cards available, each with its own rewards program and features. Some cards offer a flat cash back rate on all purchases, while others offer higher cash back rates on specific categories of spending, such as gas, groceries, or travel. Some cards also offer introductory bonuses or welcome offers that can earn you a significant amount of cash back in a short period of time.

Petal® 2
  • No annual fee– in fact, no fees of any kind
  • Up to 1.5% cash back on unlimited everyday purchases (1% right away increases to 1.25% after 6 monthly on time payments and 1.5% after another 6 monthly on time payments)
  • 2-10% cash back at select local and national merchants
  • See if you’re pre-approved in minutes without impacting your credit score
  • No Credit Score? No problem. Credit history isn’t required for approval
  • Build credit alongside hundreds of thousands of Petal card members
  • Petal reports to all 3 major credit bureaus
  • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
  • Zero liability fraud coverage
  • No security deposit required
  • Card issued by WebBank
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Purchase APR Rate: 29.49% - 31.49% Variable - Annual Fee: $0 - Credit Needed: Excellent, Good, Limited History, No History, Limi - Late Payment Fee: $0
Cash Back Rewards Cards
  • Earn up to 3% cash back on all purchases
  • Redeem cash back in the form of checks, statement credits, gift cards, merchandise or towards free travel
  • Earn sign-up bonuses after meeting initial spending thresholds
  • Terms vary by partner offer. Please see each bank's application for terms and conditions.
  • Clicking will take you to CreditSoup.com to compare Cash Back Credit Cards from participating partners
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Intro Rate: See website for Details* - Intro (Purchases): See website for Details* - Transfers: See website for Details* - Intro (Balance Transfers): See website for Details* - Intro APR Period: See website for Details* - Purchase APR Rate: See website for Details* - Annual Fee: See website for Details* - Credit Needed: Average/Fair/Limited/Good/Excellent
Upgrade Cash Rewards Visa®
  • $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

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

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Intro (Purchases): N/A - Intro (Balance Transfers): N/A - Purchase APR Rate: 14.99% - 29.99% APR - Annual Fee: $0 - Credit Needed: Excellent, Good, Fair, Average - Credit Line: $500 - $25,000 - Return Payment Fee: $0 - Late Payment Fee: $0 - Foreign Transaction Fee: Up to 3%
Rates & Fees
Aspire® Cash Back Reward Card
  • 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®†
    *See Program Terms for important information about the cash back rewards program.
    ** Prequalify means that you authorize us to make a soft inquiry (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.
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Purchase APR Rate: 29.99% or 36% Fixed - Annual Fee: See Terms - Credit Needed: Fair - Credit Line: Up to $1,000 credit limit subject to credit approval - Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
Upgrade Triple Cash Rewards Visa®
  • $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

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

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Intro (Purchases): N/A - Intro (Balance Transfers): N/A - Purchase APR Rate: 14.99% - 29.99% APR - Annual Fee: $0 - Credit Needed: (620+) Excellent, Good, Fair, Average - Credit Line: See website for Details* - Return Payment Fee: $0 - Late Payment Fee: $0 - Foreign Transaction Fee: Up to 3%
Rates & Fees
Avant Cash Back Rewards Card
  • 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
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Intro (Purchases): N/A - Intro (Balance Transfers): N/A - Purchase APR Rate: 35.99%^ - Annual Fee: $75^ - Credit Needed: See website for Details^
Rates & Fees
Avant Cash Back Rewards Card
  • 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
Learn More
Intro (Purchases): N/A - Intro (Balance Transfers): N/A - Purchase APR Rate: 35.99%^ - Annual Fee: $39^ - Credit Needed: See website for Details^
Rates & Fees
Avant Cash Back Rewards Card
  • 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
Learn More
Intro (Purchases): See website for Details* - Intro (Balance Transfers): N/A - Purchase APR Rate: 29.99%^ - Annual Fee: $0^ - Credit Needed: See website for Details^
Rates & Fees

Here are some of the benefits of using a cash back credit card:

  • You can earn cash back on your everyday spending. This can add up over time and save you money.
  • Cash back is a simple and easy-to-understand reward. You know exactly how much you're earning and what you can redeem it for.
  • Cash back is versatile. You can use it to pay down your credit card balance, save for a rainy day, or treat yourself to something you want.

If you're considering getting a cash back credit card, it's important to compare different cards and choose one that fits your spending habits and financial goals. You should also make sure to read the fine print to understand any fees or restrictions that may apply.

Here are some tips for using a cash back credit card responsibly:

  • Only use your card for purchases you can afford to make. Don't overspend just to earn cash back.
  • Pay your credit card balance in full each month to avoid interest charges.
  • Be aware of any fees associated with your card, such as annual fees or balance transfer fees.

If you use a cash back credit card responsibly, it can be a great way to earn rewards and save money.

Are Cash Back Credit Cards a Good Idea?

Whether or not a cash back credit card is a good idea for you depends on your individual spending habits and financial goals. Here are some factors to consider:

Your spending habits: If you spend a lot of money on everyday purchases, such as groceries, gas, and transportation, a cash back credit card can be a great way to earn rewards. However, if you don't spend a lot of money or if you tend to carry a balance on your credit card, a cash back credit card may not be the best choice for you.

Your financial goals: If you're trying to save money, a cash back credit card can help you reach your goals by earning you cash back on your everyday spending. You can then use this cash back to pay down debt, build an emergency fund, or save for a special purchase.

Your ability to manage credit responsibly: If you have a good credit history and you're confident that you can pay your credit card balance in full each month, then a cash back credit card can be a valuable financial tool. However, if you have a history of credit problems or if you're not sure that you can pay your balance in full, then a cash back credit card is not a good idea for you.

Here are some of the pros and cons of cash back credit cards to help you decide if they are a good fit for you:

Pros:

  • Can earn cash back on everyday purchases
  • Rewards are easy to understand and redeem
  • Can help you save money or reach your financial goals
  • Many cards offer introductory bonuses or welcome offers

Cons:

  • Can be tempting to overspend just to earn cash back
  • Can incur interest charges if you don't pay your balance in full each month
  • Some cards may have annual fees or other restrictions

Overall, cash back credit cards can be a great way to earn rewards and save money if you use them responsibly. However, it's important to carefully consider your spending habits and financial goals before applying for a cash back credit card. If you're not sure if a cash back credit card is right for you, talk to a financial advisor.

Excellent credit means low interest cards - apply here: CreditSoup Excellent Credit

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”