Card Category: Cash Back
Cash back credit cards allow you to earn cash for your purchases, and they are widely popular as many companies offer multiple options to select from. When looking for a cash back credit card, it’s advisable to find one that provides the highest possible return, such as one percent on all transactions and two or three percent on specific categories. To help you make an informed decision, we’ve compiled a list of some of the top cash back credit card offers and included relevant information.
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
n/a
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Credit Recommended
Good/Excellent
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Regular Purchase APR
13.24% - 18.00% (V)
- Full Details
Highlights
- As low as 13.24% APR
- Introductory 0% APR on balance transfer for 12 months
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
First Tech Choice Rewards World Mastercard®
Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
n/a
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Credit Recommended
Good/Excellent
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Regular Purchase APR
13.50% - 18.00% Variable APR
- Full Details
Highlights
- Earn 20,000 bonus points when you spend at least $3,000 within the first 60 days of opening your new Choice Rewards World Mastercard®. That’s a $200 value.
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
Upgrade Triple Cash Rewards Visa®
See if you qualify in minutes without hurting your credit score
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$0.00
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Credit Recommended
Good/Excellent
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Regular Purchase APR
14.99% - 29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
State Exclusions: DC, IA, WV, WI
Link to Rates and Terms:
https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details
Card Details PageUpgrade Cash Rewards Visa®
Earn 1.5% unlimited cash back on card purchases every time you make a payment
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Card Brand
Visa®
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Rewards Rate
Earn 1.5% unlimited cash back on card purchases every time you make a payment
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Annual Fee
$0.00
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Credit Recommended
Good/Excellent
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Regular Purchase APR
14.99% - 29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
State Exclusions: DC, IA, WV, WI
Link to Rates and Terms:
Card Details PageUpgrade Life Rewards Visa®
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
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Card Brand
Visa®
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Rewards Rate
3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
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Annual Fee
$0.00
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Credit Recommended
Good/Excellent
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Regular Purchase APR
14.99% - 29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
- Pay your balance in full early each month and avoid interest with EarlyPay**
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
* To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
State Exclusions: DC, IA, WV, WI
Link to Rates and Terms:
Card Details Page