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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
Discover® Motiva Card

Discover® Motiva Card

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  • Earn Cashback Bonus for your good credit management
  • 0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
  • Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index Report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rate, fees, rewards, limitations and other important information
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

The Discover® Motiva Card issued by Discover is a cash rewards card designed for the smart shopper who is looking for a credit card with zero introductory APR and Cashback Bonus® rewards. When you make your payments on time and enjoy shopping, Discover will say "thank you" by rewarding you with a truly unique Cashback Bonus® rewards program.

0% Introductory APR. To start, you will not have to pay any interest on balance transfers for the first 15 months of card membership. You can also make purchases during the 15 month promotional period with 0% introductory APR.

Cashback Bonus® for Good Credit Management . Due to your committed payments and smart spending - you can enjoy Cashback Bonus® from Discover. When you pay your balance on time you can enjoy 5% of your interest charges automatically each month that you pay your balance on time.

Cashback Bonus® for Spending. Now you will get 1% Cashback Bonus® on all purchases and up to 20% Cashback Bonus® when you shop through the hundreds of popular retailers at ShopDiscover.com.

Security. To ensure your safety, Discover offers a fantastic security and protection program. You will have $0 Fraud Liability with mobile and email fraud alert options that will ease your worries. If you have any questions or concerns, you can reach a U.S.-based friendly account manager within 60 seconds of calling. These are services that you can access 24 hours a day, 7 days a week.

If you are smart with your spending and want to transfer your existing balances onto a card with zero interest for 15 months, you can make purchases and feel secure. With great rewards, no annual fee, no rewards/redemption fees and no additional card fee - no wonder the Discover® Motiva Card is one of Discover's #1 Ranked loyalty cards - apply now!

Most Attractive Features:
  • No annual fee; 0% introductory rate; rewards program.
Least Attractive Features:
  • Higher APR for less qualifying applicants.

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5 stars
AccountNow® Prepaid Visa® Card

AccountNow® Prepaid Visa® Card

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  • Guaranteed Approval * - Upon Successful ID Verification
  • No Credit Check
  • No Overdraft Fees
  • No Bounced Checks
  • No Minimum Balance
  • No CheckSystems Verification
  • Instant Account Number
  • Easy Online Bill Pay
  • No Monthly Fee

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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5 stars
IberiaBank Visa® Gold Cash Back Rewards Card

IberiaBank Visa® Gold Cash Back Rewards Card

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  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • Online access to credit card account information

The IberiaBank Visa® Gold Cash Back Rewards Card is a cash rewards offer that gives cardmembers 1% in cash back on eligible purchases. With a low introductory rate for balance transfers for the first six months and other card features – it's the perfect choice for those wanting rewards and a low interest rate.

Low Interest Rate. With a low variable interest rate on purchases is as low as 9.25%. The assigned purchase rate is based on the market prime rate and your credit worthiness

Balance Transfers. The low APR on balance transfers is as low as 1.99% for the first six billing cycles. The low rate on balance transfers does not change during the introductory period and applies to balance transfers that are processed within three months of opening your account. After the three month period, the APR is the same as your low interest rate on purchases.

Cash Back. As a full-service rewards credit card, you are entitled to cash back after your application is approved. For all qualifying purchases, you can enjoy 1% cash back. There is no limit to the amount of cash that you can earn so you can keep spending and earning.

No Annual Fee. In addition to a low APR on purchases and balance transfers, you will not have to pay an annual fee as a cardholder if you are approved for the card. Other perks include exclusive travel benefits and services such as collision damage, roadside dispatch and insurance up to $500,000.

In order to ensure your safety and protection, IberiaBank provides online access for 24 hour account management. Cardholders can access all of their account information online, any time. For those that appreciate low interest, rewards, travel service and no annual fee – apply for the card that gives you what you want, the IberiaBank Visa® Gold Cash Back Rewards Card.

Most Attractive Features:
  • Low APR for those who qualify; No yearly limit or expiration on rebates.
Least Attractive Features:
  • Minimal benefits offered.

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5 stars
Escape by Discover® Card

Escape by Discover® Card

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  • Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every $1 you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Flexible redemption options like travel credits, merchandise, gift cards or cash
  • Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Escape by Discover® Card is a travel rewards card by Discover that awards valued cardholders with Cashback Bonuses and convenient travel benefits when they need to get away. This exceptional offer is the gift that keeps on giving. For the first two years of cardmembership, you can earn 1,000 bonus miles each month.

0% Introductory APR All cardmembers can now enjoy NO interest on all purchases and balance transfers for the first six months of card membership. Afterward, the variable purchase APR applies.

$250 Travel Rewards. For the first 25 months of having your card, you can earn up to $250 in travel rewards. Every month that you make a purchase you will get 1,000 bonus miles!

Double Miles. One of the most unique features is that cardmembers will earn double miles on every $1 spent. When you redeem, you can travel on any airline, book any hotel or car with no blackout dates. You can redeem your easily earned miles for luxury travel credits, merchandise, gift cards or even cash.

Travel Insurance Benefits. You'll get lost or damaged luggage protection, travel delay/trip cancellation, primary car rental, and other great travel insurance benefits when you book or redeem with your card.

Discover, a premium issuer of credit cards, has been named the #1 ranked brand in customer loyalty for 16 years in a row. Now is the time to sign up for The Escape by Discover® Card, the offer that assists you and gives rewards when making a quick escape away from it all!

Most Attractive Features:
  • 0% introductory rate; reward program; bonus miles.
Least Attractive Features:
  • Annual fee; low rate not available to all applicants.

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5 stars
Discover® More Card - 18 Month Promotional Balance Transfer

Discover® More Card - 18 Month Promotional Balance Transfer

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  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® More Card - 18 Month Promotional Balance Transfer offer is a Cashback Bonus® Rewards card by Discover for smart shoppers with outstanding credit card balances because it has 0% APR for the first 18 months with Zero transfer, redemption or annual fees and 0% APR on purchases for the first six months.

Zero Interest. Lucky for you if this is your first time with Discover. New customers receive 0% Introductory APR on balance transfers for 18 months. This is ideal for people with outstanding credit card balances. Also, you'll enjoy 0% introductory APR for the first six months of opening with Discover.

Cashback Bonus®. You can also earn between 5% and 20% Cashback Bonus®. When shopping through the Discover Online Shopping Mall at ShopDiscover.com, you'll earn an increased percentage of Cashback Bonus®. The mall includes over 200 retailers including travel and merchandise.

Seasonal Spending Categories. With The Discover® More Card - 18 Month Promotional Balance Transfer cardholders earn 5% Cashback Bonus® on purchases in seasonal spending categories if they enroll under specified dates. These quarterly categories include Cashback Bonus® on gas, restaurants, holiday shopping, and merchandise.

ShopDiscover. In addition to receiving Cashback Bonus® through the shopping mall at the quarterly discounts distributed every season, you can earn up to 1% on all purchases with your Discover® More Card - 18 Month Promotional Balance Transfer card.

Rewards.Just because we call it a "reward," doesn't mean that it's the same thing as all the other offers out there. A reward can be whatever you desire. Discover® More Card - 18 Month Promotional Balance Transfer card offers custom-made rewards to meet your needs. These include gift cards, merchandise, cash deposits, and credit towards your billing statement.

Award Winning. On top of all the rewards features provided with The Discover® More Card - 18 Month Promotional Balance Transfer card, you'll get the top rated for liability voted #1 for 16 years in a row! With Discover, nothing is more important than financial security - and will secure all account information with the fraud and account protection program.

Discover offers travel assistance to ensure your financial protection while you're away and offer online assistance with a 24/7 account representative based in the U.S. With the Discover® More Card - 18 Month Promotional Balance Transfer offer you can enjoy your rewards and save with 0% APR for a limited time without a worry and with the up-most protection.

Most Attractive Features:
  • 0% APR on Balance Transfers for 18 months; no annual fee.
Least Attractive Features:
  • Higher variable APR for less-qualifying applicants.

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5 stars
Ink Cash℠ Business Card

Ink Cash℠ Business Card

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  • Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

The Ink Cash℠ Business Card is a business credit card offer by Chase that gives successful business spending power with rewards. Now, you can spend for your business and actually get cash back for your purchases.

Instant Rewards. When you begin spending with your new business rewards credit card, you could earn up to $250 cash back. To begin, you'll enjoy $100 bonus cash back after you make your first purchase. You'll also get an additional $150 bonus after you spend $5,000 within the first three months of card membership.

Earn and Enjoy Points. When you make qualifying purchases with your card you will enjoy 5% cash back on the first $25,000 spent annually at office supply stores, on cellular phones, landlines, internet access and cable TV services – all necessities to keep your business running smoothly and efficiently.

Rewards. When you spend at gas stations and restaurants you can enjoy 2% cash back on the first $25,000 spent annually in these categories. For all other purchases you will enjoy 1% cash back per dollar on all other card purchases. The cash back rewards that you earn do not expire and there's no limit on the amount you can earn.

If you are running a business that requires you to make purchases in some of these essential categories, you should apply for the card that gives you cash back for spending. There's no annual fee and you do not have to pay interest for the first year of card membership! Choose the card that gives all this back to you and your business – the Ink Cash℠ Business Card.

Most Attractive Features:
  • Introductory APR offer, Up to $250 Cash Back Bonus, NO annual fee
Least Attractive Features:
  • Limits set on 2% and 5% cash back earnings

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4 stars
Discover® Student Card - Monogram Collection

Discover® Student Card - Monogram Collection

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  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Student Card - Monogram Collection is student rewards credit card issued by Discover that offers 5% Cashback Bonus® in categories that change over time and 0% APR on purchases for 9 months.

Exciting Categories. During college there is an extensive amount of necessities that can be overwhelming. Now you can enjoy 5% Cashback Bonus® in categories such as gas, restaurants, department stores and others.

Cashback Bonus®. All of your other purchases will be rewarded with up to an unlimited 1% Cashback Bonus®.

0% APR. The beginning of the semester is overwhelming, especially when moving into a new dorm. Now, you can buy anything that you need and not have to pay interest for the first nine months of card membership.

No Annual Fee. Aside from the many perks and benefits, you don't have to pay an annual fee and you are secured with $0 Fraud Liability with mobile and email fraud alert options to keep you informed and in control of your account.

College can be exciting, but sometimes expensive. Now, with your new student rewards credit card, you can buy all of the things that you need for school including books, lab material and dorm supplies. The Discover® Student Card - Monogram Collection will lead you on the road to college success!

Most Attractive Features:
  • Personalized card design; no annual fee; 0% intro APR on purchases.
Least Attractive Features:
  • Low rate not available to all applicants.

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4 stars
Discover® Student Card - Clear

Discover® Student Card - Clear

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  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Student Card - Clear is an exceptional student credit card issued by Discover, that gives Cashback Bonus® rewards in exciting categories that rotate along with up to an unlimited Cashback Bonus® on all other purchases. Plus, you can enjoy special 0% introductory APR on purchases for 9 months along with other great rewards.

0% Introductory APR. For the first nine months of card membership, you can make purchases without having to pay interest. After the nine month promotion, the variable standard purchase APR applies.

Cashback Bonus®. Now, you can enjoy 5% Cashback Bonus® in rotating categories such as gasoline, restaurants, department stores and more! Once you've reached your 5% spending limit, you can still earn Cashback Bonus®. On all other purchases, you can enjoy up to an unlimited 1% Cashback Bonus®.

No Annual Fee. The Discover card offers NO annual fee along with other great cardmember perks such as $0 Fraud Liability along with mobile and email fraud alert options to keep you informed.

As a student, there are many expenses that can come at you during the semester such as books, lab fees and dorm necessities. Now, the Discover® Student Card - Clear can simplify your college experience!

Most Attractive Features:
  • Rewards program; no annual fee; 0% intro APR on purchases.
Least Attractive Features:
  • Low rate not available to all applicants.

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4 stars
Discover® More Card

Discover® More Card

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  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® More Card is a cash rewards card by Discover that honors cardmembers with Cashback Bonus® and an introductory 0% APR period. Among the other perks and benefits, you'll enjoy no annual fee, and top-notch customer service with your new pass to Cashback Bonus® rewards and more!

0% Introductory APR Offer. Now you can transfer all of your previous debts onto your new Discover card and not have to worry about interest for the first 15 months. In additional to balance transfers, you don't have to pay APR on purchase during the same initial 15-month time period.

Cashback Bonus® Categories. When you use your card, you'll get 5% Cashback Bonus® in quarterly categories - all of which are purchases that you frequently make during your routine. Some of these include gas, restaurants, department stores and more! As a valued cardmember you'll be rewarded just for participating in all your spending.

ShopDiscover.com. The offer also provides all cardmembers with the luxury of having access to ShopDiscover.com, which is an online mall that features hundreds of merchants to choose from. Each individual retailer gives a specific amount of Cashback Bonus®. When you shop through ShopDiscover, you can get up to 20% Cashback Bonus® on your individual purchases.

Customer Assistance. To ensure your financial safety, security and protection, you will have 24/7 access to a friendly U.S.- based Account Manager. The specialized agents are on hand within 60 seconds after you call to assist you with all of your questions and comments - don't hesitate to call at anytime.

Alerts. When you use your card you will never have to fret. You will be automatically alerted via text message and email, that way you will always be up-to-date on your financial status. Also, you'll have $0 Fraud Liability to ensure that you will be protected - no worries.

If you are shopping for a card with no annual fee, no rewards redemption fees and no additional card fees - go with the card that is ranked #1 in customer loyalty for the past 16 years in a row! The Discover® More Card is the perfect choice for those who deserve a grand reward!

Most Attractive Features:
  • Double cash rebates at participating retailers and merchants (through the Cashback Bonus® award program); 0% introductory rate; no annual fee.
Least Attractive Features:
  • Low rate not available to all applicants.

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4 stars
Discover® Student Card - $20 Cashback Bonus®

Discover® Student Card - $20 Cashback Bonus®

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  • Experience Discover's great rewards program. Earn $20 Cashback Bonus®* when you make your 1st purchase within 3 months of approval
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Student Card - $20 Cashback Bonus® is a student rewards card that gives unlimited Cashback Bonus® on all spending, starting with a $20 bonus when you make your first purchase. Plus you'll enjoy 0% APR for the first 6 months. During your college years, the extensive expenses can build up - your new student rewards card can assist you during dorm life!

Instant $20 Cashback Bonus®. The moment you make your first purchase, the Cashback Bonus® will start rolling in - starting with $20 if you make your first purchase during the first three months of card membership.

Rotating Cashback Bonus® Categories. During your life at school, a lot of your purchases will fall into various categories such as gas, restaurants, department stores and more. Now, you can enjoy 5% Cashback Bonus® in categories that change over time when you use your card.

Unlimited Cashback Bonus®. Even if your purchases don't fall under the rotating categories, you can still earn Cashback Bonus®. Every purchase enjoy up to an unlimited 1% on everything.

No Annual Fee. With Discover, you'll never pay an annual fee. You'll always be protected with $0 Fraud Liability along with text/email alerts to notify you of any suspicious card activity - that way, you are always safe and well informed.

Whether you are buying books during the semester, gas to head to away games, or food to avoid Ramen noodles, the Discover® Student Card - $20 Cashback Bonus® is the perfect offer to help you through life as a student on campus!

Most Attractive Features:
  • Earns you $20 Cashback Bonus® for initial purchase, 0% introductory APR period, no annual fee
Least Attractive Features:
  • 0% introductory APR period is for purchases only

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4 stars
Discover® Student Card

Discover® Student Card

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  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Student Card is a student rewards credit card by Discover that rewards those who are continuing their education with Cashback Bonus® rewards and 0% APR on purchases during the first 9 months of card membership. As a valued cardholder you are entitled to a plethora of excellent perks.

0% Introductory APR. Now you can enjoy the first nine months of card membership with zero interest on the purchases you make. After the nine month promotion the variable standard purchase APR applies.

Cashback Bonus® Categories. The special unique offer includes 5% Cashback Bonus® on purchases at gas stations, restaurants, department stores and more! All other purchases will still be rewarded with 1% Cashback Bonus®.

No Annual Fee. The card has great rewards - including NO Annual Fee. You'll also be protected and informed with $0 Fraud Liability along with mobile and email alert options to keep you always in the know.

With 0% Introductory APR on purchases for 9 months, 5% Cashback Bonus® in rotating categories, and top-notch security with customer service, there's no wonder the Discover® Student Card is the top-choice for college students!

Most Attractive Features:
  • 0% intro APR on purchases; Cashback Bonus® program; no annual fee.
Least Attractive Features:
  • Low rate not available to all applicants.

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4 stars
Discover® Mix Tape Student Card

Discover® Mix Tape Student Card

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  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Mix Tape Student Card is a Cashback Bonus® rewards card issued by Discover. It will assist coeds with the many expenses college students are faced with, by earning Cashback Bonus® rewards and giving scholars an introductory 0% interest on purchases. Now, students are covered when it comes to books, clothes, gas, food and more during their time on campus!

0% Introductory APR. When you buy your college essentials during the first nine months of card membership, you will not have to pay interest on your purchases during that time. The variable interest rate applies after the nine-month promotional period ends.

Cashback Bonus® . As you spend with your card, you'll earn Cashback Bonus® in seasonal spending categories that changes over time. These include merchants that you would normally shop at during your dorm days such as gas, restaurants, department stores and more. On all other purchases, you can also earn up to 1% Cashback Bonus®!

Safety & Protection. To ensure that your card is protected against theft and fraud, you can always view your account online and check the email and text alerts that will be automatically sent to you. There's $0 Fraud Liability to keep you worry-free while studying.

Now is the time to live your college experience to the fullest. Enjoy Cashback Bonus® and 0% Introductory APR with security and protection that you can only find when using the Discover® Mix Tape Student Card .

Most Attractive Features:
  • Introductory APR; Rewards program.
Least Attractive Features:
  • Low rate not available to all applicants.

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4 stars
Discover® Open Road Card

Discover® Open Road Card

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  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Open Road Card is an exceptional gas rewards card by Discover that gives you the freedom to spend and enjoy rewards while driving the streets! Your new card will reward you on your next road trip with Cashback Bonus® and plenty of redemption options.

0% Intro APR. The Discover® Open Road Card has 0% introductory APR on purchases and balance transfers for 15 months. Transfer your outstanding debts to your new Discover® card account and pay zero interest for over a year! Also, you will not have to pay interest charges on your purchases during the promotional time period.

Cashback Bonus®Discover® Open Road Card members earn Extra Cashback Bonus® at gas stations, Extra Cashback Bonus® at restaurants, and on all other purchases you can enjoy 1% Extra Cashback Bonus®.

ShopDiscover.com.The Discover® Open Road Card continues to give back. When you make purchases through ShopDiscover.com you'll earn up to 20% in Cashback Bonus®. ShopDiscover.com features hundreds of retailers that you shop at frequently.

As a Discover® card member you will receive great rewards with no annual fee, no rewards or redemption fees and no fees for additional authorized card users on your account. For customer service, you can access an Account Manager 24/7.

Discover® has been ranked #1 in customer loyalty for 15 years in a row. With great rewards, 0% APR for 15 months, Cashback Bonus® on gas, and great customer service - The Discover® Open Road Card will always be there whether you're on the road or or just taking a pit stop!

Most Attractive Features:
  • No annual fee.
Least Attractive Features:
  • Higher APR for less qualifying applicants.

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4 stars
Discover® Open Road Card for Students

Discover® Open Road Card for Students

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  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • Double Cashback Bonus®* at gas stations and restaurants.
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Open Road Card for Students is a student reward card by Discover that gives Cashback Bonus® and exclusive rewards on gas. Now, students can earn double Cashback Bonus® at gas stations and restaurants along with 1% unlimited Cashback Bonus® on all other purchases.

Double Bonuses. For every purchase you make at a gas station or a restaurant you will earn double Cashback Bonus® - that way you can take school trips and travel to see your family, all while earning Cashback Bonus®. For all other purchases, you can enjoy 1% unlimited Cashback Bonus®.

0% Introductory APR. During the first nine months of card membership, you can enjoy 0% APR on all purchases. This is perfect for the many expenses college students face at the beginning of the semester such as books, computer software and dorm necessities. You can buy them and pay them off for nine months without interest.

Zero Annual Fee. The many great perks and rewards of Discover includes zero annual fee along with other fees. You can also enjoy security with $0 Fraud Liability along with mobile and email alerts to notify you of any suspicious account activity.

Just because you are a college student doesn't mean that you can't enjoy the many perks and benefits of having a credit card. With great rewards, double the bonuses on gas, no annual fee and international acceptance, the Discover® Open Road Card for Students is the perfect college road trip companion.

Most Attractive Features:
  • No annual fee; 0% introductory rate; rewards program.
Least Attractive Features:
  • Low rate not available to all applicants.

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4 stars
Discover® Student  Card - Tropical Beach

Discover® Student Card - Tropical Beach

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  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability- you will not be responsible for unauthorized charges
  • No Annual Fee
  • Text and Email Alerts
  • *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® Student Card - Tropical Beach is a student rewards credit card issued by Discover that rewards hard-working credit college students with Cashback Bonus®, along with other cardholder perks and benefits to assist them as they continue their education.

0% Introductory APR. During the first nine months of card membership, you can enjoy zero interest on all of your purchases. The first year of college can be expensive. Between books and study materials, college is a lot to handle. Now, you can buy your necessities and pay them off over time with zero interest for nine months.

5% Cashback Bonus®. During college, we spend on a lot of the same things - such as food and gasoline. Now, you can get 5% Cashback Bonus® in categories that change such as gas, restaurants, department stores and more. The categories will change over time and all other purchases will get up to 1% unlimited Cashback Bonus®.

No Annual Fee. Your Tropical Beach card has many perks and benefits along with no annual fee, $0 Fraud Liability and text/email alerts for added security.

If you are a student, shopping for a credit card that caters to those who love Cashback Bonus®, added security, no annual fee and 0% APR for nine months, the Discover® Student Card - Tropical Beach is the offer you can't pass up!

Most Attractive Features:
  • Cashback Bonus® rewards program; no annual fee.
Least Attractive Features:
  • Low rate not available to all applicants.

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4 stars
AccountNow® Prepaid MasterCard®

AccountNow® Prepaid MasterCard®

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  • 100% Guaranteed Approval* - No Credit Check
  • $0 Activation Fee
  • Free Direct Deposit and $25 cash back
  • Cash Back on Everyday Purchases

The AccountNow® Prepaid MasterCard®, issued by Metabank , is a prepaid card that may be better suited for you instead of opening a checking account. Not only will you receive guaranteed approval when you sign up, but you will also have more purchasing power with cash back opportunities.

Guaranteed Approval – Your prepaid card membership begins with 100 percent guaranteed approval, regardless of where you stand with your finances. No credit check is conducted and you can use your card almost immediately once approved.

Zero Activation Fee – Sign up for your AccountNow® Prepaid MasterCard® and enjoy no activation fee. There is no charge to merely start using your card and make purchases. It's free and convenient!

Free Direct Deposit – Make direct deposits free of charge and receive a $25 bonus when you deposit at least $500 via direct deposit for two or more consecutive months. This service is also easy for you to set up – simply ask your employer to make your payroll check available to you via direct deposit.

Cash Back – Find exclusive offers listed on your transactions page when you log on to your online account. Shop at selected locations featured on these offers using your AccountNow® Prepaid MasterCard® and earn cash back. There is no limit on how much cash back you can earn, and your awards will show up on your account every month.

The AccountNow® Prepaid MasterCard® , issued by Metabank, will make you breathe a sigh of relief with its simple yet easy-to-use features and no heavy loaded fees. Sign up quickly and receive guaranteed approval, along with a $25 bonus when you activate recurring direct deposits. Your answer lies with the AccountNow® Prepaid MasterCard®!!

Most Attractive Features:
  • Flexibility to pay in advance for purchases.
Least Attractive Features:
  • Application fee; monthly maintenance fee; transaction fee.

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4 stars
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

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  • $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*. This APR will vary with the market based on the Prime Rate.
  • Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
  • Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances
  • No Annual Fee*

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back , issued by Citibank, is a cash back rewards credit card that rewards you with special offers that you will enjoy and appreciate every time you swipe your card. Earn everything from bonus cash back to receiving 0% introductory APR for a limited time only.

$100 Bonus Cash Back – Get cash back in your pocket during the first few months of membership when your purchases add up to a certain amount. Spend $500 or more within the first three months of account opening to receive $100 cash back.

0% Intro APR – One of the big perks you'll enjoy as a Citi cardmember is a 0% introductory APR offer, available to you on balance transfers and purchases for 12 months. You will have a variable APR between 12.99% - 22.99% based on your credit worthiness and the prime rate.

5% Cash Back – Take care of your home's interior and exterior and get rewarded for doing so. You will earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from April 1st, 2012 to June 30th, 2012 when you enroll in bonus categories.

Bonus Categories – Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com.

Other Purchases – You will receive 1% cash back on other types of purchases you make and on eligible cash advances as well. More so, you won't be charged an annual fee for your card membership.

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back , issued by Citibank, will allow you to do more with your money by way of cash back rewards and a special 0% introductory APR offer on balance transfers and purchases. Apply now to start earning your rewards!!

Most Attractive Features:
  • 0% introductory rate; cash back on every purchase
Least Attractive Features:
  • Limit to 300 Dividend Dollars cash back per year

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4 stars
PerkStreet Financial℠ Debit MasterCard®

PerkStreet Financial℠ Debit MasterCard®

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  • PerkStreet Financial offers up to 2% cash back on debit card purchases one of the best debit card rewards programs in America!
  • Earn 2% when your Account balance is $5k+, or earn 1% when your Account balance is less than $5k
  • The average American will earn $600 every year in cash back
  • A great tool to improve your financial life use your cash back to pay down your debt faster, save for your future, give back to others or just have some fun
  • No cap on the amount of rewards you can earn plus no annual fee
  • No monthly fees when you use your account
  • Free online banking and bill pay
  • Easy electronic transfers
  • 24/7 customer support
  • FDIC-insured deposits, up to $250,000

PerkStreet Financial℠ Debit MasterCard® offers one of the most rewarding debit card programs in America by providing up to 2% cash back on all non-PIN debit card purchases.

You’ll always earn at least 1% cash back on non-PIN purchases with your PerkStreet card. Whenever your account balance is over $5,000 for a day, we’ll double that to 2% cash back on all non-PIN purchases. And, for the first three months that you have your account, we’ll give you 2% cash back on every non-PIN purchase no matter your balance.

The average family can earn $600 cash back every year with PerkStreet – significant rewards for you to redeem for things like Amazon, Target or Best Buy gifts cards. PerkStreet Financial isn’t about just offering a checking account with cash back, it’s a great tool to improve your financial life. Use your cash back to pay down debt, save for the future or even reward yourself for making such a smart decision. Start earning cash back with PerkStreet by signing up today!

Most Attractive Features:
  • Up to 2% cash back on credit; free online transfers.
Least Attractive Features:
  • Overdraft fees, inactivity fee and returned item fee.

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4 stars
Vision Premier® Prepaid Visa® Card

Vision Premier® Prepaid Visa® Card

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  • No Credit Check Complete the form and we'll mail your card
  • Free Roadside Assistance
  • 1% Cash Back on Gas Purchases
  • Free Savings Account with 5.65% APY
  • Free Unlimited Purchases - Signature and PIN
  • Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
  • No Debt, No Interest Charges and No Overdraft Fees

The Vision Premier® Prepaid Visa® Card is a prepaid Visa debit card issued by the Bancorp Bank. It's not a bank account, or a credit card – it is however, a way to set yourself free from costly interest charges and overdraft fees.

To start with, there is no embarrassing credit check required to obtain a Vision Premier® Prepaid Visa® Card. All you have to do is fill out the easy online form – after a simple verification of your identity (required by law) you will be mailed you very own Visa prepaid debit card.

The Vision Premier® Prepaid Visa® Card gives you perks, privileges and rewards that are virtually never found on prepaid debit cards: you'll earn 1% cash back on gasoline purchases – a rebate which is added directly onto your Vision Premier® Prepaid Visa® Card balance. Plus, you'll receive FREE roadside assistance as long as your card remains active each month.

Some prepaid debit cards charge a fee when you use them to make purchases. With the Vision Premier® Prepaid Visa® Card, you can make unlimited signature as well as pin authorized purchases – and it won't cost you any more than the price of whatever you're buying.

The Vision Premier® Prepaid Visa® Card the perfect way to receive your paycheck, government benefits, or even your tax returns quickly. You'll also receive a FREE savings account with the Bancorp Bank. This savings account helps you build for the future and offers an excellent 5.65% APY on your savings account balance!

Because you can only use the money that you've loaded onto your card, you'll never find yourself paying interest on an outstanding balance month after month. But you WILL enjoy many of the perks of having a bank account – including FREE direct deposit!

All these excellent features and more make the Vision Premier® Prepaid Visa® Card an excellent choice for anyone looking to break free of the vicious cycle of credit card interest charges or checking account debit fees.

With incredible perks like cash back on gasoline purchases, FREE roadside assistance, a FREE savings account and no credit check required, there's nothing stopping you – apply for the Vision Premier® Prepaid Visa® Card today!

Most Attractive Features:
  • Free Direct Deposit, 1% Cash Back on gasoline purchases, free savings account, free roadside assistance.
Least Attractive Features:
  • Low monthly fee, activation fee, ATM fee.

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3 stars
Citi® Dividend Platinum Select® Card for College Students

Citi® Dividend Platinum Select® Card for College Students

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  • No Cosigner Required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*

The Citi® Dividend Platinum Select® Card for College Students , issued by Citibank, is a cash back rewards credit card that will give you benefits with every purchase you make. You will also receive a special 0% introductory APR on purchases for 7 months.

0% Intro APR – Your card membership starts with a 0% introductory APR offer for 7 months. During this time, there will be no interest charges on any purchases you make. A variable APR between 13.99% - 21.99% will apply afterward, based on your credit worthiness.

5% Cash Back – Even when you're shopping for items in your college dorm setting, you will earn 5% cash back. Accrue 5% cash back at supermarkets, drug stores, convenience stores and utilities (including cable) and at gas stations. After this 6 months period ends you will continue to earn cash back at these locations, 1% to be exact.

2% Cash Back – You can earn at least 2% cash back in popular rotating categories that change every quarter. Some of these categories include restaurants, apparel, hotels and more. Enrollment is required in order to participate. Check out the Citi website for further details.

1% Cash Back – There are many ways to continue earning cash back. Shop for other items and you will still receive a full 1% cash back. Every purchase you make will put you within reach of great rewards every time.

The Citi® Dividend Platinum Select® Card for College Students , issued by Citibank, will give you plenty of opportunities to earn rewards no matter where you go or where you shop. No cosigner is required upon sign up, and a special 0% introductory APR offer will allow you to enjoy an interest-free period for 7 months.

Most Attractive Features:
  • Introductory rate; No cosigner required.
Least Attractive Features:
  • Higher variable APR for less qualifying applicants.

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2 stars
Chase Freedom® Visa

Chase Freedom® Visa

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  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

The Chase Freedom® Visa card is a cash rewards credit card offer that satisfies cardmembers instantly with an initial reward of $100 Cash Back after spending $500 within the first 3 months. But it doesn't just stop there – if you become a cardmember, you will be rewarded for all the purchases you make.

Instant Cash. It's easy to sign up for your card and after you make your first purchases you are instantly rewarded. You'll get to enjoy a $100 Cash Back bonus when you spend $500 within first 3 months of your card membership.

0% Introductory APR. For more than a year, you can enjoy no interest on your balance transfers and purchases. The Chase Freedom® Visa has 0% APR for the first 15 months of card membership. That way, you can transfer existing debts and buy whatever you need without those extra charges!

Seasonal Rewards. Every three months, you can enjoy 5% Cash Back in a different reward category. Some of these categories include gas stations, restaurants, and even airlines! Now, you can enjoy 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters until June 30th.

Cash Back. For all other retail transactions made with your card, you can enjoy 1% Cash Back on all transactions. For up to an additional 10% Cash Back, you can shop online through the Chase Ultimate Rewards mall, where you can choose from many select merchants you already know and love!

If you are shopping for a credit card that gives you $100 instantly when you make initial purchases, rewards you with 5% Cash Back in seasonal categories, awards you with 1% Cash Back on all transactions, and no annual fee – apply for the Chase Freedom® Visa. You won't regret it!

Most Attractive Features:
  • 15 months 0% introductory APR offer, $100 cash back bonus, no annual fee
Least Attractive Features:
  • Limit on cash rewards in seasonal spending categories

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2 stars
AccountNow Gold Visa® Prepaid Card

AccountNow Gold Visa® Prepaid Card

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  • No Credit Check
  • No Minimum Balance
  • No late/ overdraft fees
  • Free Direct Deposit †
  • Easy Online Bill Pay
  • Purchase Rewards
  • $0 Activation Fee
  • VIP Customer Service
  • † Cardholder fees may apply. Consult your cardholder agreement.

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. Plus, cardholders receive a $25 bonus when they sign up for free direct deposit.

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:
  • $25 bonus with free direct deposit.
Least Attractive Features:
  • Fees and usage limits.

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2 stars
Chase Freedom® MasterCard

Chase Freedom® MasterCard

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  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

The Chase Freedom® Visa card is a cash rewards credit card offer that satisfies cardmembers instantly with an initial reward of $100 Cash Back after spending $500 within the first 3 months. But it doesn't just stop there – if you become a cardmember, you will be rewarded for all the purchases you make.

Instant Cash. It's easy to sign up for your card and after you make your first purchases you are instantly rewarded. You'll get to enjoy a $100 Cash Back bonus when you spend $500 within first 3 months of your card membership.

0% Introductory APR. For more than a year, you can enjoy no interest on your balance transfers and purchases. The Chase Freedom® Visa has 0% APR for the first 15 months of card membership. That way, you can transfer existing debts and buy whatever you need without those extra charges!

Seasonal Rewards. Every three months, you can enjoy 5% Cash Back in a different reward category. Some of these categories include gas stations, restaurants, and even airlines! Now, you can enjoy 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters until June 30th.

Cash Back. For all other retail transactions made with your card, you can enjoy 1% Cash Back on all transactions. For up to an additional 10% Cash Back, you can shop online through the Chase Ultimate Rewards mall, where you can choose from many select merchants you already know and love!

If you are shopping for a credit card that gives you $100 instantly when you make initial purchases, rewards you with 5% Cash Back in seasonal categories, awards you with 1% Cash Back on all transactions, and no annual fee – apply for the Chase Freedom® Visa. You won't regret it!

Most Attractive Features:
  • 15 months 0% introductory APR offer, $100 bonus cash back, no annual fee
Least Attractive Features:
  • Limit on cash back rewards in seasonal spending categories

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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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