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Cash Back Credit Cards

Of all the rewards cards available, the cash back card is arguably the most useful. While some rewards cards merely offer discounts on particular purchases, you can apply a cash reward to anything you wish. The cash back program grants rebates to the cardholder for all purchases made with the card. Generally, the rebate is for a small percentage of each purchase, with some types of purchases earning more than others. For example, one rewards card might specialize in home improvement, which would result in a higher cash back rebate for purchases related to home repair and maintenance. The way in which cash rebates are awarded differ with each company. Some card issuers offer a credit, gift certificate or personal check.

Credit Panda's Recommended Credit Card

Credit Panda recommends Discover® Motiva Card as our favorite Cash Back credit card.

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• • Each time you make 6 on-time payments in a row, you\'ll get a Pay-On-Time Bonus equal to a full month\'s interest added to your Cashback Bonus account
  • Cash rewards for your good credit management
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
  • Apply now at the the card issuer's website.

Chase Freedom® Visa - $100 Bonus Cash Back

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• • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Apply now at the Chase website.

IberiaBank Visa® Gold Cash Back Rewards Card

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• • 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 b
  • No annual membership fee
  • Earn 1% in cash back credit on all qualifying purchases
  • 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 w
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Apply now at the the card issuer's website.

Blue Cash® from American Express

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• • Flexibility to pay over time.
  • 0% intro APR on purchases for 6 months and no annual fee.
  • Receive your cash back automatically as a statement credit.
  • Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
  • Apply now at the American Express website.

Chase Freedom® Visa - $50 Bonus Cash Back

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• • 0% Intro APR and No Annual Fee
  • Earn $50 Bonus Cash Back after first purchase
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
  • Apply now at the Chase website.

Discover® More Card

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• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.

Discover® More Card - $75 Cashback Bonus

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• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Get $75 Cashback Bonus when you make $500 in purchases within 3 months
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • Apply now at the the card issuer's website.

Discover® More Card - Black

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• • 0% intro APR on purchases for a full 9 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.

Chase Freedom℠

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• • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • 0% Intro APR and No Annual Fee
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Apply now at the Chase website.

TrueEarnings® Card from Costco and American Express

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• • Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Annual Fee with your paid Costco Membership
  • No Limit on the Cash Back earned
  • Apply now at the American Express website.