Cash Back

Best Cash Back Credit Cards

Would you like to receive cash back whenever you use your credit card for your purchases? There are many Cash Back Credit Cards, to choose from, that put money in your pocket with every purchase. Review and find the best cards for you – Cash Back Credit Cards that reward you as you spend on everyday purchases like gas and groceries, dining and travel and more.

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended

No credit, Poor, Fair

Apply Now

  • Regular APR: 29.99% (variable)
  • Annual Fee: $0
  • Credit Line: $300-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 29.99% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Cash Back Rewards Cards

Credit Recommended

Average/Fair/Limited/Good/Excellent

Apply Now

  • Intro (Purchases): See website for Details*
  • Intro (Transfers): See website for Details*
  • Regular APR: See website for Details*
  • Annual Fee: See website for Details*
  • Intro Rate: See website for Details*
  • Intro Period: See website for Details*
  • Intro (Balance Transfers): See website for Details*
  • Earn up to 3% cash back on all purchases
  • Redeem cash back in the form of checks, statement credits, gift cards, merchandise or towards free travel
  • Earn sign-up bonuses after meeting initial spending thresholds
  • Terms vary by partner offer. Please see each banks application for terms and conditions.
  • Clicking will take you to CreditSoup.com to compare Cash Back Credit Cards from participating partners

OpenSky® Secured Visa® Credit Card

Credit Recommended

Poor

Apply Now

  • Regular APR: 25.64% (variable)
  • Annual Fee: $35
  • Credit Line: $200-$3000 at time of application
  • Late Payment Fee: Up to $40
  • Cash Advance APR: 25.64% (variable)
  • Penalty APR: None
  • Rewards Rate: up to 10% cash back* rewards on purchases at over 40,000 retailers
  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Upgrade Life Rewards Visa®

Credit Recommended

See website for Details*

Apply Now

  • Annual Fee: $0
  • Intro Purchase APR: N/A
  • Regular APR: 14.99% -29.99%
  • Intro Transfer APR: N/A
  • Cash Advance APR: N/A
  • Cash Advance Fee: N/A
  • Late Payment Fee: $0
  • Penalty APR: N/A
  • Regular Transfer APR: 14.99% -29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Trans Fee: Up to 3%
  • Return Payment Fee: $0
  • $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 (See the Upgrade site for details.)
  • 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.

Upgrade Triple Cash Rewards Visa®

Credit Recommended

(620+) Excellent, Good, Fair, Average

Apply Now

  • Regular APR: 14.99% - 29.99% APR
  • Regular Transfer APR: 14.99% to 29.99% APR
  • Annual Fee: $0
  • Return Payment Fee: $0
  • Foreign Trans Fee: Up to 3%
  • Balance Transfer Fee: Up to 5%
  • Late Payment Fee: $0
  • Penalty APR: N/A
  • Cash Advance Fee: N/A
  • Cash Advance APR: N/A
  • Intro (Balance Transfers): N/A
  • Intro (Purchases): N/A
  • Credit Line: See website for Details*
  • $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.

Click the Banner Link above to Compare and Choose from among the best CashBack cards available :

There are many to choose from 

  • ·    Many of the banks you know offer Cash Back cards to choose from.
  • ·    With a flat-rate card, you’ll earn a set amount of cash back, usually between 1% and 2%, on every purchase.
  • ·    Some also offer tiered category cards that offer higher cash back rates, usually 2-6% on specific categories of purchases, then1% cash back on all other purchases.  Common tiered categories include dining, groceries, travel, gas and others.

Upgrade Cash Rewards Visa®

Credit Recommended

Excellent, Good, Fair, Average

Apply Now

  • Credit Line: $500 - $25,000
  • Regular APR: 14.99% - 29.99% APR
  • Regular Transfer APR: 14.99% - 29.99% APR
  • Annual Fee: $0
  • Return Payment Fee: $0
  • Foreign Trans Fee: Up to 3%
  • Balance Transfer Fee: Up to 5%
  • Balance Transfer: N/A
  • Penalty APR: N/A
  • Late Payment Fee: $0
  • Cash Advance Fee: N/A
  • Cash Advance APR: N/A
  • Intro (Balance Transfers): N/A
  • Intro (Purchases): N/A
  • $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.

What type of Credit is required for a Cash Back card?

  •     A rule of thumb is that when applying for a credit card you should have a detailed credit history, a reliable source of income and a credit score that is acceptable to the bank’s standards
  •     You’ll usually need at least fair credit to get a cash back card. And generally the better the credit rating, the better the cash back card components. Many banks will note whether average, good or excellent credit types are most likely to be successful in applying for a specific card.  

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