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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!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Cash Back Credit Card Reviews

5 stars
AccountNow® Prepaid Visa® Card

AccountNow® Prepaid Visa® Card

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  • 100% Approval guaranteed* (subject to I.D. Verification)
  • $0 monthly fee†
  • No minimum balance
  • No credit check.∞ No overdraft fee.
  • Free† direct deposit and online bill payment
  • Use it everywhere Visa debit card is accepted
  • Now with purchase rewards
  • Perfect for occasional usage
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

The AccountNow® Prepaid Visa® Card, issued by The Bancorp Bank, is a great alternative to a checking account. Membership makes spending easy, flexible and convenient. Unlike other prepaid cards this one also comes with purchase rewards.

Add Money - Receive your paycheck or benefits into your prepaid account using free direct deposit. Cash can also be added at more than 135,000 locations. When you load money onto your prepaid card at any nearby MoneyGram, Western Union, Green Dot Money Pak, REloadit, and Visa ReadyLink agent location your cash is instantly available.

Visa Purchase Power As a valued cardholder you get to spend with options. You can make debit purchases by shopping online, buying gas, making hotel or car rental reservations and purchasing airline tickets. Paying bills online is usually free and is fast. Save time and money by paying rent, cell phone, cable or any bill with just a few clicks of your computer's mouse and keypad.

Zero Liability - This prepaid card is more convenient and safer than carrying cash. Visa's Zero Liability protects you from unauthorized purchases that can occur from identity theft. Additionally, your deposits are FDIC insured up to $250,000.

Save Money - Don't worry about being subjected to any late fees or overdraft fees. Rather, you'll receive unlimited bill paying at no additional charge.

Earn Rewards - The Refer-a-Friend program allows you to earn $20 and a friend $10. However, one of the best ways to garner rewards is by shopping and saving. Receive special offers or purchase rewards for merchandise that can be used for cash back when you use your AccountNow prepaid card for redemption.

With FREE text messages or email alerts, you are always in control of your purchases and your account. If you have bad credit history or no credit history you can still get an AccountNow® Prepaid Visa® Card and shop and pay bills with confidence while achieving financial freedom.

Most Attractive Features:
  • Free direct deposit; no monthly fee
Least Attractive Features:
  • Fees and usage limits.

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4 stars
Account Now Gold Visa® Prepaid Card

Account Now Gold Visa® Prepaid Card

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  • Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval* - upon successful ID verification. No Credit check.∞ No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.

The AccountNow Gold Visa® Prepaid Card, issued by The Bancorp Bank, is a prepaid card that is accepted anywhere Visa debit cards are accepted. Cardmembers can enjoy faster, easier access to their money with no credit bureau checks, minimum balance, bounced checks, late or overdraft fees.

This stored value card is designed for those who may have difficulty obtaining a standard unsecured credit card. It allows cardholders to enjoy the convenience of a bank account and the privilege of a gold card, all in one.

Free to Shop With No Fees - With the AccountNow Gold Visa® Prepaid Card, there are no late or overdraft fees and no minimum balance requirement.

Withdraw Funds at Millions of Locations - With more than one million ATMs across the globe, gaining access to your money is easy. However, if you want to skip any ATM fees simply use your Visa Prepaid Card to get cash back at your local grocery store or pharmacy.

Free Direct Deposit - This card requires payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. Cash can also be added at one of over 135,000 participating retail partners nationwide.

Free Online Bill Pay - Stay on top of all your monthly bills and create a list to be processed each month. Never pay your rent, cell phone, cable or utility bills late again.

Gold Privileges - With the power of Gold you are eligible to receive exclusive VIP customer service, higher limits for money loading and withdrawal and not have to pay a monthly fee.

Consumers who are looking for a stored value card with flexibility to pay in advance for purchases and do not mind paying upfront fees will find the AccountNow Gold Visa® Prepaid Card to be a beneficial option.

Most Attractive Features:
  • No credit check, minimum balance, free direct deposit.
Least Attractive Features:
  • Fees and usage limits.

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4 stars
USAA Cash Rewards® American Express® Card

USAA Cash Rewards® American Express® Card

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  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back for all other purchases.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • No annual fee and no minimum finance charge.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.

The USAA Cash Rewards® American Express® card, issued by USAA Savings Bank, lets you earn special cash back on everyday expenses. The rewards are paired with low interest rates and no annual fee, so you experience great savings as well.

Unlimited cash back. Earn up to 2.25% cash back on gas and grocery purchases, and up to 1.25% cash back on all other general spending. Your earned cash back are not subject to yearly caps or limits, so you can rack up as much as you'd like in rebates and receive your awards every January.

Low interest rates. Based on your creditworthiness, you can enjoy interest rates as low as 9.9% APR on purchases, balance transfers, and cash advances. These rates will vary with the market based on the Prime Rate.

Save on fees. The card lets you enjoy your rewards with no annual fee and no minimum finance charge. Take advantage of the cash rewards fee-free and worry-free.

The USAA Cash Rewards® American Express® card is a solid credit card for those looking to earn up to 2.25% cash back on gas and groceries while having the opportunity to qualify for low interest rates. Save on annual fees and minimum finance charges, and apply for the great value USAA Cash Rewards® American Express® card!

Most Attractive Features:
  • Cash back rewards, no annual fee
Least Attractive Features:
  • Excellent credit is required.

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3 stars
Barclaycard® Ring MasterCard®

Barclaycard® Ring MasterCard®

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  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

The Barclaycard® Ring MasterCard® is low-APR MasterCard designed by the person that knows your finances best – you! With this versatile card, you choose your own card features and enjoy a low, variable 8% APR on purchases and balance transfers … this is not an introductory APR, but your actual low-cost APR! Plus, you'll pay NO annual fee, and there's no transaction fee to transfer balances from your existing credit cards to your new Barclaycard® Ring MasterCard®. You'll also earn rewards through the brand-new Giveback program, where Barclaycard Ring cardholders receive cash back for positive performance! You'll have exclusive access to the Barclaycard® Ring MasterCard® online community, where you can vote on the features your card delivers – as well as learn more about personal finance from Barclaycard AND other card members! Choose the card that fits your finances today … the Barclaycard® Ring MasterCard®!

Most Attractive Features:
  • Low APR, rewards for positive performance, no annual fee
Least Attractive Features:
  • No introductory APR

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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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