The Ultimate Guide to Credit Cards
Wednesday, July 28, 2021

18 Best Cash Card Reviews

Cash Card Reviews

credit card advice

Eric Bank
By: Eric Bank
Updated: July 20, 2021
Advertiser Disclosure

In these cash card reviews, we examine several categories of cash back credit cards. Whether you have a good, fair, or poor credit score, we can recommend several cards that may be perfect for your needs. We also cover cards for students and businesses.

If you are a fan of cash back rewards, read on to discover the cream of the crop.

Good Credit | Fair Credit | Bad Credit | Students | Business

Cash Card Reviews for Good Credit (670+ FICO Score)

Scores above 670 are considered “good” on the FICO Score range. The cards in this category offer generous cash back rewards and plenty of other perks.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

The Chase Freedom Unlimited® lets you earn cash back on every purchase made, every day. You can earn bonus cash by spending the specified amount on purchases during the first three months after opening the account.

The cash back rewards don’t expire as long as the account remains open, and there is no minimum redemption amount. There is a 0% APR on purchases during an introductory period and no annual fee.

Discover it® Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

The Discover it® Cash Back card has quarterly rotating categories of merchants that, when activated, can earn cardholders bonus cash back. The rotating categories include grocery stores, gas stations, restaurants, Amazon.com, and more.

3. Capital One® Savor® Cash Rewards Credit Card

This card is currently not available.

Cash Back Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Savor® Cash Rewards Credit Card offers unlimited 4% cash back on dining and entertainment spending, 2% at grocery stores, and 1% on all other purchases. You can qualify for a cash bonus if you spend the required amount during the first three months after opening the account.

The card imposes no foreign transaction fees and waives the annual fee for the first year. Rewards don’t expire while the account remains open, and you can redeem cash back in any amount.

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

The Capital One SavorOne Cash Rewards Credit Card lets you earn unlimited 3% cash back on entertainment, dining, and grocery stores, plus 1% on all other purchases. The card charges no annual or foreign transaction fee and offers a one-time cash bonus to new cardmembers who spend the required amount during the first three months.

You also get a 0% APR on purchases during an introductory period after opening the account.

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

The Capital One Quicksilver Cash Rewards Credit Card is a good choice for consumers who want a simple cash back system. You earn unlimited 1.5% cash back on all purchases and pay no annual or foreign transaction fees.

There is a one-time cash bonus available after you spend the required amount during the first three months. Purchases during the introductory period have a 0% APR for new cardholders.

Discover it® chrome Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
4.5

OVERALL RATING

4.8/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

The Discover it® chrome rewards cardholders specifically for purchases at gas stations and restaurants. You can redeem your cash back rewards in any amount and at any time. Rewards never expire as long as the account is open.

Chase Freedom Flex℠ Review

at the issuer'ssecure website

CASH BACK RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

The Chase Freedom Flex℠ card offers you 5% cash back on up to $1,500 in quarterly purchases in rotating merchant categories that you activate each quarter. Earn tiered cash back rates on travel, dining, and drugstore purchases plus an unlimited 1% cash back on all other purchases. You can earn a cash bonus by spending the required amount on purchases during the first three months.

The card offers 0% APR on purchases to new cardmembers during an introductory period. Chase Freedom Flex℠ charges no annual fee, and rewards do not expire as long as the account remains open.

Cash Card Reviews for Fair Credit (580-669 FICO Score)

You have fair credit if your FICO score falls between 580 and 669. Although the credit cards in this group do not offer the best rewards, they still provide cash back and other benefits that may surprise you.

CASH BACK RATING

★★★★★
4.6

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited

The Capital One QuicksilverOne Cash Rewards Credit Card provides you unlimited 1.5% cash back on every purchase, every day. You can use this card to help improve your credit score by paying your bills on time.

The card may offer you a higher credit limit if you make your first five payments on time. You have access to the CreditWise® app that allows you to monitor your credit profile. This card comes with $0 fraud liability on stolen or lost cards.

9. Credit One Bank® Visa® Credit Card with Cash Back Rewards

This card is currently not available.

Cash Back Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Credit One Bank® Visa® Credit Card allows you to earn 1% cash back on eligible purchases. You can earn 1.1% cash back from participating merchants.

The annual fee may be waived for the first year if you qualify. The initial credit limit may be increased based on your overall credit performance. You get free online access to your Experian credit score and $0 fraud liability for lost or stolen cards.

Cash Card Reviews for Bad Credit (

Your credit is considered bad if your FICO score is below 580. The following secured credit card is among the very few that offer cash back rewards to folks with bad credit.

Discover it® Secured Credit Card Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★
3.7

OVERALL RATING

3.7/5.0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
22.99% Variable APR
$0
New/Rebuilding

The Discover it® Secured Credit Card allows you to build your credit score when used responsibly. Your refundable security deposit serves as your credit limit. Another stand-out feature of this card is its cash back rewards, something you won’t find offered on most secured cards.

Cash Card Reviews for Students

There’s no better way for young people to learn about credit than to get a student credit card. The following three cards offer cash back rewards and other perks for college and beyond.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★
4.4

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable APR
$0
Fair/New to Credit

The Discover it® Student Cash Back card offers bonus cash back at a roster of rotating merchants, including grocery stores, gas stations, restaurants, Amazon.com up to a purchase limit. You must activate the new merchant category each quarter to earn these rewards.

Also, students can earn a good grade award for high marks each school year.

Discover it® Student chrome Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★
4.3

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable APR
$0
Fair/New to Credit

The Discover it® Student chrome rewards students with cash back for purchases made at gas stations and restaurants. All other purchases earn a lesser reward rate.

Students can earn a good grade reward in the form of statement credit for a set number of years. The card also monitors the Dark Web for your Social Security number.

CASH BACK RATING

★★★★
4.3

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

The Journey Student Rewards from Capital One charges no annual fee and provides 1% cash back on all purchases. If you pay on time, you can boost your cash back to 1.25% for the month.

By using the card responsibly, you can build your credit because your transactions are reported to a national credit bureau. The card charges no annual fee.

Cash Card Reviews for Businesses

Businesses often use their credit cards for heavy spending on supplies, transportation, entertainment, and equipment. That makes business cash back cards especially rewarding.

Ink Business Cash® Credit Card Review

at the issuer'ssecure website

CASH BACK RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.24% - 19.24% Variable
$0
Good/Excellent

The Ink Business Cash® Credit Card from Chase earns you 5% cash back on the first $25,000 spent each anniversary year on combined purchases at office supply stores and providers of internet, phone, and cable services. You earn 2% cash back on the first $25,000 spent each anniversary year on combined purchases at restaurants and gas stations. All other purchases earn 1% cash back.

The card offers a cash back bonus when you spend the required amount during the first three months after opening the account. You can add employees as authorized users on the card.

CASH BACK RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.99% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One Spark Cash for Business provides an unlimited 2% cash back on all purchases. Free employee cards also earn the 2% cash back. You can earn a bonus reward for the specified amount of purchases during the introductory period after opening the account.

The annual fee is waived for the first year, and you get $0 fraud liability for stolen or lost cards. There are no foreign transaction fees.

CASH BACK RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • 0% Intro APR for the first 12 months
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.99% - 23.99% (Variable)
$0
Good

The Capital One Spark Cash Select – 0% Intro APR for 12 Months gives you 1.5% cash back on every purchase. You can add employees for free and collect 1.5% cash back on all of their purchases.

Purchases made during an introductory period are charged a 0% APR. The card has no annual fee and offers many business-related benefits.

CASH BACK RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.24% - 19.24% Variable
$0
Good/Excellent

The Ink Business UnlimitedSM Credit Card lets you earn unlimited 1.5% cash back on all purchases with no annual fee. You can earn a cash bonus for spending the specified amount on purchases during the first three months.

In addition, you get a 0% APR on purchases for the introductory period. Employee cards are free, and you can redeem your cash back at Chase Ultimate Rewards®.

18. Capital One® Spark® Classic for Business

This card is currently not available.

Cash Back Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Spark® Classic for Business offers unlimited 1% cash back on every purchase, every day. It charges no annual or foreign transaction fees. You can add employees at no extra cost and earn 1% cash back on their purchases as well.

Using the card responsibly can help you build your business’ credit. You receive $0 fraud coverage if your card is lost or stolen.

How Does a Cash Back Card Work?

Cash back cards rebate you a percentage of your spending on purchases. The percentage can be fixed for all purchases or can vary for purchases at selected merchants. There are three cash back variations:

  1. Rotating categories: These cards provide an elevated cash back percentage on select merchant types that revolve every quarter. For example, in one quarter the card may pay elevated cash back on purchases at grocery stores and then switch to purchases at gas stations in the next quarter. The amount of spending that earns the higher rate each quarter may be limited. You must activate your higher rewards every quarter. All other purchases earn rewards at a lower fixed rate, typically 1%. Examples of rotating cash back cards include the Chase Freedom Flex℠ and Discover it® Cash Back.
  2. Tiered categories: In this variation, credit cards offer high, medium, and low cash back percentages for purchases at different merchant categories. The categories do not revolve. For example, a card may offer high rewards for purchases at restaurants, medium rewards at gas stations, and low rewards on all other purchases. The higher rewards may be limited to a set amount of spending for the quarter or may be unlimited. The low reward level is always unlimited. Examples of cash back cards with tiered categories include the Capital One® Savor® Cash Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card.
  3. Fixed category: The card pays a fixed, flat-rate percentage of cash back on all purchases. The percentage is usually in the 1% to 2% range and is unlimited. This kind of card appeals to consumers who want a simple cash back scheme that applies to all purchases. Examples of flat-rate cash back cards include the Capital One QuicksilverOne Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card.

Normally, revolving, and tiered rewards are offered by cards for consumers with better credit scores, while fixed rewards can span all types of credit.

Types of Cash Back Credit Cards

Once you receive your cash back rewards, you can apply them to your statement balance as a credit, have the money transferred to a bank account, or have a check mailed to you, among other options. This effectively lessens the price of everything you buy using a cash back card. Check with the issuer to see its specific redemption options.

What Credit Card Gives the Most Cash Back?

Several cards give you 5% cash back on select merchant categories that revolve each quarter after activation. However, the amount of spending that earns the 5% cash back is limited to $1,500 per quarter.

Therefore, the maximum amount you can earn at the high rate is (4 x 0.05 x $1,500), or $300. These cards pay 1% cash back on all other purchases. Cards in this category include the Chase Freedom Flex℠, Discover it® Cash Back, and Discover it® Student Cash Back.

Let’s assume you spend $20,000 on purchases during the year and you earn the maximum amount on each category. Your total reward will be 5% of $6,000 plus 1% of $14,000, or $440.

The Discover it® Cash Back and the Discover it® Student Cash Back are the leading cards in this category, at least for the first year. That’s because of Discover’s competitive year-end bonus for new cardholders.

Therefore, in our example case of $20,000 in spending, you could earn twice the $440 reward, or $880, but for the first year only.

The Ink Business Cash® Credit Card from Chase pays 5% cash back on combined purchases at selected merchants, up to spending of $25,000 per year. Purchases at other selected merchants provide 2% cash back, while the remainder earns 1%.

If you assumed $20,000 in spending at the top category of merchants, the cash back reward would be $1,000, clearly the most cash back. However, if your total credit card spending was $20,000, then it’s likely it will span a variety of merchants, thereby reducing the overall cash back amount.

For example, if you spend $5,000 at merchants in the 5% group, $5,000 at the 2% group and $10,000 at the 1% group, you’d receive ($250 + $100 + $100), or $450. As they say on TV, your results will vary.

The Capital One® Savor® Cash Rewards Credit Card earns an unlimited 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases. If you happened to spend all $20,000 on dining and entertainment, you could earn $800 cash back.

A more realistic example of $5,000 spent at 4% merchants, $5,000 spent at 2% merchants, and $10,000 spent at 1% merchants would earn ($200 + $100 + $100), or $400 per year in cash back.

What Kinds of Cash Back Cards Are Available?

In this review, we encounter the following types of cash back rewards:

  1. Good Credit: These are cards that are geared toward consumers with credit scores above 670, including the Capital One® Savor® Cash Rewards Credit Card, Discover it® Cash Back, Capital One SavorOne Cash Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Discover it® chrome, and the Chase Freedom Flex℠.
  2. Fair Credit: These cards are targeted toward consumers with credit scores between 580 and 669. This group includes the Capital One QuicksilverOne Cash Rewards Credit Card and the Credit One Bank® Visa®.
  3. Bad Credit: The Discover it® Secured offers cash back to consumers with credit scores below 580.
  4. Students: For college students and beyond, this group includes Discover it® Student Cash Back, Discover it® Student chrome, and the Journey Student Rewards from Capital One.
  5. Business: Businesses deserve rewards too, and this group includes Ink Business CashSM Credit CardCapital One® Spark® Cash for Business, Capital One® Spark® Cash Select for Business, Ink Business UnlimitedSM, and the Capital One® Spark® Classic for Business.

As you can see, there is a smorgasbord of choices, and chances are that at least one is perfect for you.

Cash Back Cards Are Available for All Credit Scores

Our cash card reviews give you the low-down on the best cash back credit cards for a variety of consumer segments. You can choose a cash back card based on your credit score or how you want to earn cash back rewards.

If you don’t mind chasing rotating categories, you can maximize your savings at a variety of merchants. If you want a simple, straightforward way to earn cash back, a flat-rate rewards card is a good option. Whatever you choose, use the card responsibly to build or maintain a good credit score.

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