Some credit cards, in addition to allowing you to defer payment on purchases you make, also give you back a portion of the amount of the purchases you make with it. In the United States it is possible to find cards that give you up to 5% cash back at certain stores and categories, and it's usual to obtain rewards on all purchases. Check here our reviews of the best credit cards with cash back.

Best Cash Back Credit Cards


Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited Credit Card

  • APR: 19.49%
  • Annuity: $ 0
  • Credit limit: Consult
Active Cash credit card

Active Cash credit card

  • APR: 20.24%
  • Annuity: Consult
  • Credit limit: Consult
TD Cash credit card

TD Cash credit card

  • APR: 19.99%
  • Annuity: $ 0
  • Credit limit: Consult
Secured Cash Back card

Secured Cash Back card

  • APR: 27.24%
  • Annuity: Consult
  • Credit limit: Consult
Enjoy Cash credit card

Enjoy Cash credit card

  • APR: 18.24%
  • Annuity: Consult
  • Credit limit: Consult
Customized Cash Rewards Secured Credit Card

Customized Cash Rewards Secured Credit Card

  • APR: 28.24%
  • Annuity: $ 0
  • Credit limit: $ 5,000
Cash+ Visa Signature credit card

Cash+ Visa Signature credit card

  • APR: 19.49%
  • Annuity: $ 0
  • Credit limit: Consult
Unlimited Cash Rewards Secured Credit Card

Unlimited Cash Rewards Secured Credit Card

  • APR: 27.49%
  • Annuity: $ 0
  • Credit limit: $ 5,000
Chase Freedom Student Credit Card

Chase Freedom Student Credit Card

  • APR: 19.49%
  • Annuity: Consult
  • Credit limit: Consult
Enjoy Cash Secured credit card

Enjoy Cash Secured credit card

  • APR: 24.24%
  • Annuity: Consult
  • Credit limit: Consult
TD Cash Secured Credit Card

TD Cash Secured Credit Card

  • APR: 28.24%
  • Annuity: $ 0
  • Credit limit: $ 5,000
TD Double Up Credit Card

TD Double Up Credit Card

  • APR: 19.99%
  • Annuity: Consult
  • Credit limit: Consult
Chase Freedom Flex credit card

Chase Freedom Flex credit card

  • APR: 19.49%
  • Annuity: Consult
  • Credit limit: Consult
Citibank CostCo Anywhere credit card

Citibank CostCo Anywhere credit card

  • APR: 20.24%
  • Annuity: Consult
  • Credit limit: Consult
Citi Custom Cash Credit Card

Citi Custom Cash Credit Card

  • APR: 18.99%
  • Annuity: Consult
  • Credit limit: Consult
Customized Cash Rewards Credit Card for Students

Customized Cash Rewards Credit Card for Students

  • APR: 17.49%
  • Annuity: Consult
  • Credit limit: Consult
Amazon Prime Rewards Credit Card

Amazon Prime Rewards Credit Card

  • APR: 18.74%
  • Annuity: $ 0
  • Credit limit: Consult
Travel Rewards Credit Card for Students

Travel Rewards Credit Card for Students

  • APR: 17.49%
  • Annuity: Consult
  • Credit limit: Consult
Quicksilver Cash Rewards

Quicksilver Cash Rewards

  • APR: 19.99%
  • Annuity: $ 0
  • Credit limit: $ 10,000
Savor Rewards credit card

Savor Rewards credit card

  • APR: 20.99%
  • Annuity: $ 0
  • Credit limit: Consult

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Credit cards are known for their many advantages when it comes to shopping at affiliated online and offline merchants.

Cash back cards can be a very useful tool to save you a few dollars, especially during the gift-giving season. If you ever wondered how they work, here are the details.

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What is a cash back credit card?

A cash back credit card is one that gives you a discount every time you make a purchase. That rebate can be anywhere from 1% to 5%, depending on the plastic you have or want to get.

For example, if you have a 1.5% rebate, you get $1.5 USD back for every $100 you spend at a physical or online merchant.

Credit Cards with Cash Back

The most common ones are those that have a fixed percentage and their operation is not complicated for anyone to understand.

However, there are other varieties that offer greater rewards, but whose dynamics need to be explained in more detail. First, let's review how cash back credit cards work.

How do these cards work?

The main reason you can get these rebates with a cash back plastic is due to the agreement established between the bank and the businesses. That is, merchants must pay an interchange fee every time someone uses a credit card.

On the other hand, these rewards or rebates may also be determined by agreements between specific merchants and the card issuer.

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While, with a fixed rate, the cash back percentage does not change, with category bonus or tiered bonus plastics the amount of savings can increase according to the products you buy.

Also, cardholders with this benefit can redeem the rewards as balance credit, cash on account, cash for purchases or donations.

That's why it's always important to review the terms and conditions of each credit card to understand the rules regarding cash back and the options available for redemption.

Types of cash back cards

There are 3 types of cash back credit cards, which can be summarized as follows:

Category bonus

With a more complex operation, these cards offer you up to 5% discount on specific product categories. The trick is to register for the items with bonus every 3 months and in that period spend the maximum limit established.

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You can also make purchases in other categories, but you will only get the usual 1%.

Reward per level

Similar to the previous ones, these cards give you a bonus depending on the level of the card. The difference is in the credit card you choose to get the reward.

Examples of very exclusive cards would be the Amex business card, which gives you 5% off office supplies and 3% off gas. The Blue Cash Preferred, which gives you 6% at US Supermarkets and 3% on gas. And the Uber Visa, which gives you 4% at bars/restaurants, 3% on hotels and tickets, and 2% on online purchases.

Regular credit card

As we have already mentioned, these cards give you a fixed rate every time you make a purchase. There are those that can give you a little more than 2.5%, but they are scarce and you will probably have to be part of a loyalty program to get an additional bonus.

Key aspects of cash back credit cards

When you're comparing these banking products, you should take note of the following:

  • APR. The average annual percentage rate for cash back credit cards is calculated the same as for other similar plastics. Although offering you a lower introductory rate, these instruments are the most expensive, with rates ranging from 15% to 25%.
  • Welcome bonus: The sign-up bonus is common for these products, but read the fine print carefully. These cards are designed for certain consumers, so you should choose the one that best fits your profile and offers the highest rate of return.
  • Fees and charges. Part of the savings you will achieve depends on the cost of the annuity, which is usually $50-$100. Since the cards with the highest fees offer the best rewards, you should calculate whether your expenses can compensate them. Also, if you accumulate late fees, you will lose money.
  • Accumulating points. Each bank has different policies regarding rewards. You need to understand what the point limits are (monthly, annual, etc.), cash back at specific merchants, and the types of "rewards," which may or may not be in the form of gift cards or other convenient methods.

Cash back credit cards can offer significant savings if you know how to take advantage of the benefits they offer. Since you will have to spend and pay off the balance in full, managing your personal finances will be crucial.

You can rely on Busconomico's comparator/search engine for advice on finding the most attractive credit card.


Español: Tarjetas de crédito con cash back en todas tus compras