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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(SM) Card as our favorite Cash Back credit card.

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- Free Payment by Phone or Online-Even on Your Payment Due Date
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Choose a Payment due Date That Meets Your Needs
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
3.99% Intro APR*	10.99% Variable	$0	None

Total Merrill(SM) Cash Back Visa® Card

- No Annual Fee
- 1% Cash Back on Virtually All Purchases
- Low 9.99% APR for Retail Purchases�
- No Annual Fee and a Low Competitive 9.99% Annual Percentage Rate (APR)
- Credit Line may be as High as $250,000
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
1.9% APR for 12 Months	9.99% Fixed	$0	None

IberiaBank Visa® Gold Cash Back Rewards Card

- No limit on Cash Back; No Expiration for the Life of Your Account
- 1% Cash Back on Everything You Buy From Day One
- No Minimum to Redeem for Cash
- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
- No Annual Membership Fee
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Months	5.99% Variable	$0	Good

Blue Cash® from American Express

- No Annual Fee
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- Low Balance Transfer Rate - 4.99% Fixed APR for the Life of the Balance
- 0% APR for Up to 12 Months on Purchases
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Months	As low as 8.99% Variable	$0	None

Capital One® No Hassle Cash(SM) Rewards - Excellent Credit

- 2% Cash Back on Purchases at Gas Stations and Major Grocery Stores and 1% Cash Back on All Other Purchases
- For Customers With Excellent Credit
- 14.9% APR on Purchases and Balance Transfers
- No Limit on Cash Back and Rewards Won't Expire for the Life of Your Account
- Request Your Cash Back Rewards Whenever You Want
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	14.90%	$0	Very Good

Discover® More(SM) Card - Wildlife Collection

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	10.99% Variable	$0	Very Good

Discover® More(SM) Card - Monogram

- Unlimited Cash Rewards, Automatically
- Earn More Cash in More Ways Than Anyone Else(SM)
- Double Rewards With More than 80 Cashback Bonus® Partners
- Up to 20% Cashback Bonus® When You Shop Online
- 0% Intro APR
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	10.99% Variable	$0	Very Good

Discover® More(SM) Card - Sealife Collection

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	10.99% Variable	$0	Very Good

Discover® More(SM) Card - Clear

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	10.99% Variable	$0	Very Good

Discover® More(SM) Card

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	10.99% Variable	$0	Very Good

Discover® More(SM) Card- American Flag

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	10.99% Variable	$0	Very Good

One from American Express®

- No Pre-Set Spending Limit
- Get $50 after Your First Purchase
- Never Pay Interest on New Purchases
- Earn a Competitive Annual Percentage Yield (APY), Currently 2.75% (Variable Rate As of 4/15/2008)
- The Savings Accelerator(SM) Plan Contributes 1% of Eligible Purchases into an FDIC-Insured High-Yield Savings Account in Your Name
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	As low as 10.99% Variable	$35	None

Clear from American Express®

- 0% Intro APR for Up to 12 Months
- No Fees of Any Kind. No Annual Fee, No Late Fees, No Over-Limit Fees, No Balance Transfer Fees, No Cash Advance Fees
- Pay in Full, or Carry a Balance
- Automatic Rewards. You'll Get an American Express Branded Shopping Card Worth $25 Delivered Straight to Your Door Every Time You Spend $2,500
- Express Approval. Get a Decision in Less than 60 Seconds
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for up to 12 Months	As low as 9.99% Variable	$0	None

Financial Rewards® Visa® Platinum Plus® Card

- No Annual Fee
- 0% Fixed Intro APR on Balance Transfers
- Receive 5 Bonus Points with Your Very First Purchase - 1 Point Equals $1 in Rebates
- Get Cash Back on Purchases - as Much as $600 Per Year
- Card Issued by FIA Card Services, N.A.
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Billing Cycles	10.99% Variable	$0	Very Good

Bank of America® Cash Rewards Platinum Plus® MasterCard® Credit Card

- No Annual Fee
- Earn 1% Cash Back on All Purchases with No Limit to How Much You Can Earn and No Fees to Redeem Your Cash Back Credit
- Free Online Account Management
- 100% Fraud Protection
- 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.99% / 15.99% Fixed	$0	Very Good

TrueEarnings® Card from Costco and American Express

- No Annual Fee with Your Paid Costco Membership
- Earn Cash Back - 3% for Gasoline, 3% for Restaurants, 2% for Travel, 1% Everywhere Else, Including Costco
- No Limit on the Cash Back Earned
- The TrueEarnings Card Serves as Both Your American Express Credit Card and Your Costco Membership Card
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 3 Months	14.99% Variable	$0	None

Chase Free Cash Rewards(SM) Visa® Card

- 1,000 Bonus Points with Your First Purchase
- Earn 1 Point for Every Dollar in Purchases
- No Annual Fee
- Intro 0% Fixed APR for Up To 12 Months
- Get Your Rewards with as Few as 2,500 Points
- Apply now at the Chase website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for up to 12 Months	10.99% Variable	$0	Very Good

Capital One® No Hassle Cash(SM) Rewards - Good Credit

- 2% Cash Back on Purchases at Gas Stations and Major Grocery Stores and 1% Cash Back on All Other Purchases
- For Customers with Good Credit
- 16.9% APR on Purchases and Balance Transfers
- No Limit on Cash Back and Rewards Won't Expire for the Life of Your Account
- Request Your Cash Back Rewards Whenever You Want
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	16.90%	$0	Very Good

Capital One® No Hassle Cash(SM) Rewards

- 1% Cash Back on Every Purchase
- 25% Annual Bonus on the Cash You Earn
- No Limit on Cash Back and Rewards Won't Expire for the Life of Your Account
- 0% APR on Purchases Until December 2008. After that, Variable APR, Currently 16.65%
- Redeem Cash Whenever You Want
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% on Purchases until December 2008	16.65% Variable	$29	Very Good

Chase Freedom(SM) Credit Card

- 3% Cash Back in Your Top 3 Everyday Spending Categories
- Receive $50 after You Make Your First Purchase
- Receive an Extra $50 Each Time You Save and Redeem $200 in Rewards
- 1% Cash Back for Every $1 You Spend on All Other Purchases
- Apply now at the Chase website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	14.99% Variable	$0	Excellent

The credit card data on this Web site is provided by CardOffers.com. Extended credit card reviews are believed to be accurate during the time of evaluation. Information posted here may however change after the initial review date or update. Therefore, visitors to this site may wish to contact the credit card issuer first in order to verify all information before applying for a card here. Star ratings are based on the CardOffers.com Rating System. The system is designed to further evaluate each credit card. These star ratings should not be the only factor in helping you make a credit card decision, as many of the credit cards listed are not suited for all types of individuals. Neither Credit Panda nor CardOffers.com guarantees the accuracy of credit card data found here.

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