Cash-Back Credit Cards 2016

Card Sign-Up Bonus Card Details Sponsored Message

The Barclaycard® World Elite Arrival Plus Mastercard®

The Barclaycard® World Elite Arrival Plus Mastercard® 2.1%
Rewards Rate

Receive 50,000 points when you spend $3,000 within 3 months.

Every dollar spent on the card earns two points.   Points are redeemable at 1.05 cents per point for statement credits directly against travel charges made to the card.  Charges may be taken against hotel charges, airfare charges and virtually anything travel related.

Get 2.10% back in value for every dollar spent!

Annual Fee: $0

Fidelity® Rewards Visa Signature® Card

Fidelity® Rewards Visa Signature® Card 2%
Rewards Rate

N/A

2% cash-back provided you have the money deposited into a qualifying Fidelity account.   No limits on reward points and no restrictive categories.

Annual Fee: $0

Discover it® Cashback Match™

Discover it® Cashback Match™ 1%
Rewards Rate

We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

  • Cashback Match™ - We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back now at Amazon.com, Department Stores, and Sam's Club on up to $1,500 in purchases through Dec 31st when you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Scores for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases for 12 months and 0% on balance transfers for 12 months

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $336 $168
Rewards from spending $672 $336
Annual Fee $0 $0
Annual Rewards $1008 $504

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express 1%
Rewards Rate

Special Offer for You EARN UP TO $450 BACK - Here's How: Apply by 01/11/17 to earn 10% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200. Plus, earn $250 BACK after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.

  • Leading cash back rewards for groceries
  • Sign-up bonus
  • 0% APR for 12 months on purchases and balance transfers

Annual Fee: $95

Rewards over 2 years Total Per Year
Sign up value $350 $175
Rewards from spending $768 $384
Annual Fee $190 $95
Annual Rewards $928 $464

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express 1%
Rewards Rate

Earn up to $300 back. Here's how: Apply by 01/11/17 to earn 10% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200. Plus, earn $150 BACK after you spend $500 in purchases on the Card within the first 3 months of Card Membership.

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.

  • No annual fee
  • 0% on Purchases for 12 months and 0% on Balance Transfers for 12 months

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $300 $150
Rewards from spending $576 $288
Annual Fee $0 $0
Annual Rewards $876 $438

Citi®Double Cash Card

Citi®Double Cash Card 1%
Rewards Rate

N/A

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee
Rewards Rate 2.00% (1% cash back when you buy, plus an additional 1% as you pay for those purchases)

  • High rewards rate
  • No annual fee
  • 0% if you qualify for 18 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $864 $432
Annual Fee $0 $0
Annual Rewards $864 $432

Chase Freedom Unlimited SM

Chase Freedom Unlimited SM 1.5%
Rewards Rate

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

  • High rewards rate
  • No annual fee
  • 0% Intro APR on purchases and balance transfers for 15 months

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $150 $75
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $798 $399

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card 1.5%
Rewards Rate

One-time $100 bonus after you spend $500 on purchases within the first 3 months.

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your Quicksilver card through March 31, 2017
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

  • High rewards rate
  • No annual fee
  • 0% on Purchases and Balance Transfers for 9 months
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $100 $50
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $748 $374

Chase Freedom®

Chase Freedom® 1%
Rewards Rate

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

  • 5% rewards on rotating categories
  • No annual fee
  • Access to Chase’s Ultimate Rewards site to earn more cash back

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $150 $75
Rewards from spending $576 $288
Annual Fee $0 $0
Annual Rewards $726 $363

BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card 1%
Rewards Rate

$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.

  • No annual fee
  • Cash sign-up bonus
  • Cash rewards
  • Rewards accelerator if you bank with Bank of America or Merrill Lynch

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $100 $50
Rewards from spending $576 $288
Annual Fee $0 $0
Annual Rewards $676 $338

Citizens Bank Cash Back Plus™ World MasterCard®

Citizens Bank Cash Back Plus™ World MasterCard® 1.5%
Rewards Rate

N/A

  • Unlimited 1.5% cash back on every purchase with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back
  • 0% introductory APR on balance transfers for 12 billing cycles, thereafter a 14.99%, 17.99% or 20.99%, variable APR based on your creditworthiness
  • Variable purchase APR of 14.99%, 17.99% or 20.99% applies from account opening based on your creditworthiness
  • No annual fee
  • No foreign transaction fees
  • No penalty APR for late payments
  • Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to two years
  • Price Protection for 120 days from purchase
  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • MasterRental Insurance for collision, loss or damage
  • Zero Liability Protection against unauthorized purchases
  • Travel accident and baggage delay insurance
  • 24/7 online account management
  • Make purchases using Apple Pay™ in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement

  • High rewards rate
  • No annual fee
  • 0% for 12 mos on transfers
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $648 $324

USAA Preferred Cash Rewards Visa Signature®

USAA Preferred Cash Rewards Visa Signature® 1.5%
Rewards Rate

N/A

  • Earn 1.5% cash back on every purchase.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • There's no limit on the amount you can earn.
  • Enjoy no foreign transaction fees when you travel outside of the United States.

  • High rewards rate
  • No annual fee
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $648 $324
Annual Fee $0 $0
Annual Rewards $648 $324

Discover it® Chrome

Discover it® Chrome 1%
Rewards Rate

N/A

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed.
  • Unlimited 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

  • Bonus cash back categories
  • No annual fee
  • 0% on Purchases and Balance Transfers for 12 months
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $495 $248
Annual Fee $0 $0
Annual Rewards $495 $248

Commerce Bank Miles? Credit Card

Commerce Bank Miles? Credit Card 1%
Rewards Rate

N/A

  • A credit card that earns points on both your Purchases and interest accrued on monthly balances.
  • Earn 1% Cash Back for every dollar in Net Merchandise Purchases.
  • Earn 2% & 3% Cash Back for purchases in select categories.
  • Redeem for 1% Cash Back or choose from gift cards, travel, merchandise and more.
  • UNLIMITED point earning. No cap exists on the points you can earn each year.
  • Points expire after 5 years.

  • No annual fee
  • 0% for 6 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $432 $216
Annual Fee $0 $0
Annual Rewards $432 $216

NHL® Discover it® card

NHL® Discover it® card 1%
Rewards Rate

N/A

  • Choose your favorite team & show your pride – all 30 teams available.
  • Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back now at Amazon.com, Department Stores, and Sam's Club on up to $1,500 in purchases through Dec 31st when you activate. Plus, unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Scores for free on monthly statements & online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL

  • No annual fee
  • 0% on Purchases and Balance Transfers for 12 months
  • No foreign transaction fee

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $432 $216
Annual Fee $0 $0
Annual Rewards $432 $216

Special Connections® MasterCard® with Rewards

Special Connections® MasterCard® with Rewards 1%
Rewards Rate

N/A

  • Earn 1% Cash Back for every dollar in Net Merchandise Purchases.
  • Earn 2% & 3% Cash Back for purchases in select categories.
  • Redeem for 1% Cash Back or choose from gift cards, travel, merchandise and more.
  • Access to toggle® - a free and flexible payment feature that lets you manage your spending like a debit card, with the rewards of a credit card

  • No annual fee
  • 0% for 6 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $432 $216
Annual Fee $0 $0
Annual Rewards $432 $216

Comerica Visa® Signature Bonus Rewards

Comerica Visa® Signature Bonus Rewards 1%
Rewards Rate

N/A

  • Earn 1 point for every net $1 you spend.
  • Get a 25% bonus on all points earned every month, automatically.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
  • $25 cash back with your first purchase.
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.

  • No annual fee
  • 0% for 6 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $432 $216
Annual Fee $0 $0
Annual Rewards $432 $216

Commerce Bank Kansas City Zoo Visa® with Rewards

Commerce Bank Kansas City Zoo Visa® with Rewards 0%
Rewards Rate

For a limited time when you apply online for a Kansas City Zoo Visa® Credit Card and make your first purchase within 90 days of account opening, Friends of the Zoo will earn $35.00 and you will receive a Zany Zoo Packet

  • 1% on purchases

  • No annual fee
  • 0% for 6 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $35 $18
Rewards from spending $0 $0
Annual Fee $0 $0
Annual Rewards $35 $18

Commerce Bank Kansas City Royals with Rewards

Commerce Bank Kansas City Royals with Rewards 1%
Rewards Rate

N/A

    • 1% Cash Back for every dollar in Net Merchandise Purchases.
    • Unlimited Cash Back! There is no limit to the amount of Cash Back you can earn.
    • Convenience – Redeem online anytime, anywhere.
    • Flexibility – Hundreds of options under one program. Simply pick the reward that meets your needs.
    • Simplicity – Use your card for purchases, earn rewards and redeem easily online or by phone.

  • No annual fee
  • 0% for 12 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $0 $0
Annual Fee $0 $0
Annual Rewards $0 $0

TD Bank Payment Plus

TD Bank Payment Plus 0%
Rewards Rate

N/A

  • Pay 10% or more of your current balance and get a statement credit worth 50% of next month's interest charges.
  • Pay 5% - 9.99% of your current balance and get a statement credit worth 25% of next month's interest charges.
  • 0% introductory APR on balance transfers for 18 months after account opening – After that, 21.24% variable APR.
  • Your billing statement will tell you what to pay in order to get the savings you want!
  • Your savings will be applied to your balance at the time of your payment
  • No annual fee
  • The convenience of making payments your way - Online, by phone, by mail or at any TD Bank store
  • The unsurpassed worldwide acceptance of Visa
  • Cardholder inquiry service
  • Emergency card replacement and emergency cash disbursement
  • Lost/stolen card reporting
  • Visa Zero Liability
  • Auto rental collision damage waiver

  • No annual fee
  • 0% for 12 mos on transfers

Annual Fee: $0

Rewards over 2 years Total Per Year
Sign up value $0 $0
Rewards from spending $0 $0
Annual Fee $0 $0
Annual Rewards $0 $0

Top Cash Back Credit Cards for 2016

The best cash back credit cards can help you earn money for purchases you make every day. With cash back cards, you earn a certain percentage of cash back on all purchases you make with the card. That percentage can be very large in certain categories, like groceries, gas, entertainment, Amazon purchases, and more. Depending on the card, you can have your balance issued to you via check, deposited in a linked savings account, or use it to purchase gift cards or other items.

A prevailing strategy with cash back cards is to use a card that gives more than 1% back for regular purchases, but also to pair it with a card that has 5% bonus categories that frequently change. BestCashCow outlined an effective strategy for those seeking travel rewards to earn valuable rewards through Chase products in this article. The strategy can equally be used as one of the best available to earn cash back for those opting to redeem their rewards as cash back.