Cash Back Credit Cards

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With a cash back credit card, you receive cash in exchange for the money you spend (hence the name). These are among the most popular credit cards, as many companies have several offers to choose from. When seeking a cash back credit card, search for the one that offers the best return, such as one percent on all purchases and two or three percent on purchases in specific categories. Below, we list out some of the best cash back credit card offers, along with details that will help you make a confident decision.

Aspire® Cash Back Reward Card

Up to $1,000 credit limit subject to credit approval

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee As low as $85

Credit Recommended Fair

Regular Purchase APR 29.99% or 36% Fixed

Full Details Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Additional Info

  • Credit Line: Up to $1,000 credit limit subject to credit approval
  • Rewards Rate 1: Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
  • Regular APR: 29.99% or 36% Fixed
  • Annual Fee: As low as $85
  • Credit Recommended: Fair
  • Card Brand: Mastercard®
  • Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Balance Transfer Fee: 3% of the amount of each transfer

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 29.99% or 36% Fixed
Annual Fee As low as $85
Credit Recommended Fair
Cash Advance APR n/a
Cash Advance Fee Either $5 or 5% of the amount of each cash advance, whichever is greater
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee 3% of each transaction amount in U.S. dollars
Balance Transfer Fee 3% of the amount of each transfer

Fortiva® Mastercard® Credit Card

Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee As low as $85

Credit Recommended Fair

Regular Purchase APR 29.99% or 36% Fixed

Full Details Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard® rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Additional Info

  • Rewards Rate 1: Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
  • Credit Line: Up to $1,000 credit limit subject to credit approval
  • Regular APR: 29.99% or 36% Fixed
  • Annual Fee: As low as $85
  • Credit Recommended: Fair
  • Card Brand: Mastercard®
  • Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Balance Transfer Fee: 3% of the amount of each transfer

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 29.99% or 36% Fixed
Annual Fee As low as $85
Credit Recommended Fair
Cash Advance APR n/a
Cash Advance Fee Either $5 or 5% of the amount of each cash advance, whichever is greater
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee 3% of each transaction amount in U.S. dollars
Balance Transfer Fee 3% of the amount of each transfer

Upgrade Life Rewards Visa®

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee 0.00

Credit Recommended Good,Excellent

Regular Purchase APR 14.99% - 29.99% APR

Full Details Card Page

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:

https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Detailshttps://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Additional Info

  • Annual Fee: $0.00
  • Intro Purchase APR: NA
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% -29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Welcome Bonus: $200*
  • $0 Fraud Liability: Yes
  • Extended Warranty Program: Yes
  • Roadside Assistance: Yes
  • Price Protection: Yes
  • Travel and Emergency Assistance Services: Yes
  • Concierge Service: No

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.99% -29.99% APR
Annual Fee 0.00
Credit Recommended Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Transaction Fee Up to 3%
Balance Transfer Fee Up to 5%

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 14.99% - 29.99% APR

Full Details Card Page

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

Additional Info

  • Annual Fee: $0
  • Intro Purchase APR: N/A
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Welcome Bonus: $200*
  • $0 Fraud Liability: Yes
  • Extended Warranty Program: Yes
  • Roadside Assistance: Yes
  • Price Protection: Yes
  • Travel and Emergency Assistance Services: Yes
  • Concierge Service: Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.99% - 29.99% APR
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee $0.00
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee Up to 3%
Balance Transfer Fee Up to 5%

Upgrade Cash Rewards Visa®

Earn 1.5% unlimited cash back on card purchases every time you make a payment

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee 0.00

Credit Recommended Fair,Good,Excellent

Regular Purchase APR 14.99% - 29.99% APR

Full Details Card Page

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:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Additional Info

  • Annual Fee: $0
  • Intro Purchase APR: N/A
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Rewards Rate: 1.5%
  • Welcome Bonus: $200*
  • $0 Fraud Liability: Yes
  • Extended Warranty Program: Yes
  • Roadside Assistance: Yes
  • Price Protection: Yes
  • Travel and Emergency Assistance Services: Yes
  • Concierge Service: Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.99% - 29.99% APR
Annual Fee 0.00
Credit Recommended Fair,Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Transaction Fee Up to 3%
Balance Transfer Fee Up to 5%

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Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).