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Cash Back Credit Cards

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Choosing the right cash back credit card can allow you to earn money on both big and small purchases - cash that you can use however you like, and whenever you want.

Many cash back credit cards exist today that compete for your business. These cards pay you a percentage back on all purchases, and some give additional rewards from specific retailers. Some of the savviest money managers use cash back credit cards for all of their purchases. They pay off their balance each month, and take their cash back rewards to the bank.

When looking for the right cash back credit card, you need to consider several factors. Some of these include:

Grace period. If your plan is to earn cash back on purchases and avoid interest charges by paying off the balance each month, you'll want to consider how much time you have to pay off your balance before it starts accruing interest charges.
Interest rates, penalties and annual fees. If you plan on carrying a balance on your cash back credit card, you'll want to make sure you get the best interest rate possible. You'll want to understand the penalties and whether the credit card charges an annual fee.
Perks. Not all cash back credit cards provide the same level of rewards program. If you're looking for cash back, make sure you understand how the rewards are calculated, if they expire, and how much money you can expect to earn on your purchases.

TopConsumerReviews.com has reviewed and ranked the best cash back credit cards available today. We hope these reviews help you find the best cash back credit card to help your bottom line!

Cash Back Credit Card Reviews

AccountNow<sup>®</sup> Prepaid Visa<sup>®</sup> Card

AccountNow^® Prepaid Visa^® Card

The AccountNow® Prepaid Visa® Card, issued by The Bancorp Bank, is a checking account alternative that comes with a 100% approval rate. Cardmembers aren't subjected to credit checks, overdraft fees bounced checks or a minimum balance. Membership allows fast and easy access to your money. The AccountNow® Prepaid Visa® Card allows you to fully benefit from purchase rewards. You'll be eligible to receive special offers from merchandise that can be used for cash back. Plus, a referral program rewards members and their friends who sign up for an AccountNow® Prepaid Visa® Card. Apply now!! Read More...

PerkStreet Financial<sup>SM</sup> MasterCard® Debit Card

PerkStreet Financial^SM MasterCard® Debit Card

PerkStreet Financial℠ Debit MasterCard® offers one of the most rewarding debit card programs in America by offering up to 2% cash back on everyday debit card purchases, plus bonuses up to 25%. You'll earn up 1% unlimited cash back almost anywhere you use your card, up to 2% cash back at several popular retailers including Walmart and Amazon.com®, and up to 25% cash back in bonus opportunities at leading retailers every week. PerkStreet customers have earned $1,000 a year or more by spending on their PerkStreet card – significant rewards for you to redeem at more than 35,000 leading retail and restaurant locations for free, or use 2 perks to redeem directly to your account! Read More...

Citi® Dividend Platinum Select® Visa® Card

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back, issued by Citibank, is a cash back rewards credit card that earns you bonus cash back, along with a special introductory APR. You will get $100 cash back after $500 in purchases within the first 3 months of account opening. As a Citi cardholder, you will also be qualified to receive a 0% introductory APR on balance transfers and purchases for 12 months. A variable APR between 12.99% - 22.99% that is based on your credit worthiness will go into effect once this period ends. 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. You will receive 1% cash back on all other purchases, as well as on eligible cash advances. There is no annual fee with this card. Read More...

Account Now Gold Visa<sup>®</sup> Prepaid Card

Account Now Gold Visa^® Prepaid Card

The AccountNow Gold Visa® Prepaid Card, issued by The Bancorp Bank, is a prepaid card that is an excellent checking alternative. You only have to pay an average participation fee, which can be waived. Cardholders enjoy no late or overdraft fees and no minimum balance. Overall, this is a good option if you want a card with the convenience of a bank account and the privilege of a gold card. Read More...

Vision Premier<sup>®</sup> Visa<sup>®</sup> Prepaid Card - Simple & Fair

Vision Premier^® Visa^® Prepaid Card - Simple & Fair

The Vision Premier® Prepaid Visa® Card is a prepaid Visa debit card that will change the way you pay for purchases and more. Absolutely no embarrassing credit check is required – just complete the online form. This is NOT a credit card or a checking account: not only will you be free from interest charges and overdraft fees, you'll also enjoy free direct deposit! This card is the best way to receive paychecks, government benefits and even tax returns...fast. As a Vision Premier® Prepaid Visa® Card holder, you'll also enjoy FREE roadside assistance and a FREE savings account earning an excellent 5.65% APY. You'll receive 1% cash back on gasoline purchases – a feature virtually unheard of from prepaid debit cards. There is no charge for signature-authorized or pin-authorized purchases, either! Apply for the Vision Premier® Prepaid Visa® Card today, and set yourself free from banks, interest charges, and overdraft fees!! Read More...

Iberiabank Visa® Gold Card

The IberiaBank Visa® Gold Cash Back Rewards Card is a cash rewards card that has an exceptionally low APR and cash back rewards. When you make qualifying purchases with your rewards credit card, you can enjoy 1% cash back and there's no limit on the amount of cash back that you can earn. Cardmembers can now make purchases and balance transfers and have a significantly low interest rate with the IberiaBank Visa® Gold Cash Back Rewards Card. With a purchase APR as low as 9.25% and an exceeding low APR on balance transfers for the first six billing cycles – you won't have to worry about high bill payments. The special APR applies to balance transfers that are processed within the first three months of card membership. After that, the normal APR applies. Some of the many card features include travel benefits and coverage up to $500,000 and no annual membership fees. To ensure your safety and protection, you can manage your account online, any time for added security. This card has an incredible deal of low APR, cash back and exclusive card features – an offer you can't find anywhere else! Read More...

Discover it®

The Discover it® - 18 Month Balance Transfer card is a cash back rewards card that will change the way you think about credit cards. You will be granted a 0% intro APR on purchases and balance transfers. Enjoy not having to pay any annual fee, no overlimit fee and no foreign transaction fee. You will also not be charged any late fee on your first late payment nor will your APR increase due to not paying on time. The Discover it® - 18 Month Balance Transfer card also comes with a cash back program which allows you to earn 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Receive 1% cash back on all other purchases and enjoy your own Cashback Concierge^SM, who guides a free, personalized online tour to help you get the most rewards for how you use your card. Plus, this card comes with a $0 Fraud Liability Guarantee. Apply for it today!! Read More...

Citi® Dividend® Card for College Students

The Citi® Dividend® Card for College Students, issued by Citibank, is a cash back rewards credit card for students who want to maximize their earning potential with great possibilities. Citi helps you get started with a 0% introductory APR on purchases for 7 months. Afterward, your APR will be between 13.99% - 23.99% variable based on your creditworthiness. Earn bonus cash back each quarter on new must-have categories- like department stores, travel and more, with enrollment. Earn a full 1% cash back on all other purchases. There is no annual fee. Apply today for the Citi® Dividend® Card for College Students! Read More...

Discover it® for Students

The Discover it® for Students is a student rewards card that will change the way you think about credit cards. You will be granted a 0% intro APR on purchases for 6 months. Enjoy not having to pay any annual fee, no overlimit fee and no foreign transaction fee. You will also not be charged any late fee on your first late payment nor will your APR increase due to not paying on time. The Discover it® for Students also comes with a cash back program which allows you to earn 5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. Receive 1% cash back on all other purchases and enjoy your own Cashback Concierge^SM, who guides a free, personalized online tour to help you get the most rewards for how you use your card. Plus, this card comes with a $0 Fraud Liability Guarantee. Apply for it today!! Read More...

Discover it®

The Discover it® card is a cash back rewards card that will change the way you think about credit cards. You will be granted a 0% intro APR on purchases and balance transfers for 14 months. Enjoy not having to pay any annual fee, no overlimit fee and no foreign transaction fee. You will also not be charged any late fee on your first late payment nor will your APR increase due to not paying on time. Discover it® also comes with a cash back program which allows you to earn 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. Receive 1% cash back on all other purchases and enjoy your own Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card. Plus, this card comes with a $0 Fraud Liability Guarantee. Apply for it today!! Read More...

How Cash Back Credit Cards Work

Every time you swipe your card, the store merchant must pay the credit card company a small fee or a percentage of the sale. A portion of this fee is given back to the consumer in the form of a cash back reward. Cash back cards encourage consumers to use their credit cards for everyday purchases and the credit card company benefits from the store fees and passes some of the money back to the consumer.

Every card has a different system for how you redeem and receive your rewards. Some are automatically applied to your statement or are sent in the mail. With other cards, you must manually redeem your rewards (usually on the credit card website). Some offer money back on a monthly basis while others may send the cash back at the end of the year. Some other credit cards require a minimum balance to be released before you earn your rewards. Typically customers will receive the money back as a credit on their account or as a check or cash card in the mail.

Most of credit cards keep track of your cash back rewards with a point system (or something similar). For example, some cards may give you two points for every dollar spent on groceries. 1000 points may equal $10 in cash back. So if you spent $500 dollars on groceries, you would be eligible for $5 back. Often credit card companies have partnerships with other larger companies. Making a purchase from a store that has a partnership with your credit card company would mean a higher percentage of cash back rewards from that purchase. This might mean that different stores offer more or less points for purchases made there.

Another way cash back credit cards are able to offer rewards are from annual fees and interest accrued. While some credit cards have no annual fee, often cash back cards with bigger reward packages have some type of annual fee. Make sure your rewards are going to offset the annual fee you may be required to pay. You want to use the card to your advantage. Cash back rewards cards have higher interest rates than most other cards to help offset the reward costs. It is important to remember to pay off your purchases on a monthly basis to avoid high interest charges. This will allow you to enjoy the benefits and while paying little to no interest on purchases. Those that carry a balance from month to month will end up owing far more in interest charges than what they will receive as rewards

Always pay attention to the fine print. Many customers rush to sign up for a card that offers 5% back on all purchase, but miss the part about it being an introductory offer. While this is a good incentive and one to consider, make sure you think about how the card and its benefits will look for you long term.

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