Cash Back Credit Cards – Which Is The Best Deal?

Cash Back Credit Cards are my favorite type of rewards card because it’s like free money! Card issuers are paying you a percentage of what you charge to the account just so you will use their card. These cards can save you money and that’s why I think they are the best type of rewards card. Many credit card issuers have beefed up their cash back programs by offering juicy sign up bonuses. You can earn a couple hundred bucks just by choosing the right card!

The best cash back credit card deals will save you money! It sounds simple enough and it is simple, if you know what to look for in a cash back card. You want to choose a card that is going to allow you to get the full amount of cash back the card has to offer. Your goal should be to earn as much as possible with any given card. Because some cards pay higher rewards for certain types of purchases (e.g., gas or groceries), be sure the card you choose rewards you for the types of purchases you plan on making.

To get you started we have provided you with a list of the Best Cash Back Cards of 2014.

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  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases
  • 100% U.S.- based customer service - day or night
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 14 Months 0%* 14 Months 10.99% – 22.99%* Variable $0 Excellent
671 Average credit score approved for this card † 599 Lowest credit score approved for this card †

Barclaycard® Rewards MasterCard® - Average Credit
Barclaycard® Rewards MasterCard® - Average Credit
More Details
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 24.99%* Variable $0 Fair
658 Average credit score approved for this card † 610 Lowest credit score approved for this card †

About Michal Cheney

Michal Cheney is a personal finance blogger who writes for several top personal finance blogs, such as Dough Roller and Go Banking Rates. She enjoys writing about money management, getting out of debt and planning for retirement. Her practical approach encourages folks to get serious about their relationship with their money.

  • LOIS J TUTTLE

    I have a USBANK FLEXPERKS VISA CARD. HOW DO I CASH IN REWARDS FOR MONEY SPENT AND GET A GIFT CERTIFICATE?

  • B ILL TALMADGE

    You missed the best cards of all. Fidelity Investments has an American Express card with 2 % back on everything. It also has a Visa card with 1.5 % back on everything (which I use where American Express is not accepted). One more tip: I have 2 American Express cards. One i use for automatic billing (I keep in my home). One I use for everyday use. If someone steals my everyday number (the more common event) I dont have to call everyone on my automatic billing to change the card

    • Rob Berger

      Bill that is a great card if you have a Fidelity account, want an Amex, and want your rewards deposited into a brokerage account. I still prefer the Barclay’s Arrival Card as you can actually earn 2.2% for travel.