Cash-back credit cards allow you to earn back a percentage of what you spend just for using your card. Want a card that offers cash as a perk for your everyday spending habits? Cash-back cards from our partners rebate a percentage of your daily purchases, offering a great way to keep more money in your wallet. Get cash back each time you swipe your card and maximize your savings. The large majority of these cards are designed for and offered to those with good to excellent credit.

If your credit could use some work, you may not qualify for one of these cards. Cash-back cards are best for disciplined spenders who consistently pay off their credit card balance each month.

Doing so can maximize the benefits of this type of card, boosting savings on budgeted expenses. Otherwise, interest charges incurred on a balance can eat into the rewards earned on your spending habits. These cards can also be beneficial to those who frequently spend money on specific items like gas or groceries. Some cash-back credit cards give you the ability to earn up to 5 percent cash back in specific categories.

Many even offer sign-up bonuses. As a positive, using one of these cards can cut back the bill for your regular monthly spending, helping to make extra room in your budget. But because they come with higher interest rates, they aren't ideal cards if you frequently carry a balance. Apply for a card that offers rewards for items you frequently purchase. Each credit card company offers different rewards, and some have larger cash-back perks for spending in specific categories. It's important to apply for the card that best suits your lifestyle or the card may not be as beneficial.

In addition to comparing cards by rewards, compare interest rates, cash-back percentages and bonuses offered. Find the best cash-back cards for your lifestyle by using our extensive list of offers to compare terms, fees and introductory APRs. Every reasonable effort has been made to maintain accurate information.

However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website.

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BankAmericard Cash Rewards Reviews

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What is a cash-back credit card? Who should get one? What are some pros and cons? Tips on cash back cards What is a cash-back credit card? Tips on cash back cards Apply for a card that offers rewards for items you frequently purchase. And make sure to pay off your balance each month so as to not negate the rewards you've earned.

Terms and Restrictions Apply. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. Redeem your cash back for any amount, any time. Cash rewards never expire. See Rates and Fees. No annual fee New Offer: Over 1 million more places in the U. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.

After that, the variable APR will be After that, a variable APR will apply, Choose Your Cash Back: After that, a variable APR currently ABOC Platinum Rewards Credit Card. After that, the APR for the unpaid balance and any new balance transfers will be 9.

Subject to credit approval. Rate and offers current as of April 1, and are subject to change. Flexible cash redemption options. Earn one point for every dollar spent on your everyday purchases. Get 2, bonus points with your first purchase. Redeem points for cash, merchandise, gift cards and more. Earn 2X points per dollar on gas and groceries with no caps. Exclusively for Costco Members: Pay on time to boost your cash back to a total of 1. Rate and offers current as of April 1, and subject to change.

Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards. Earn 3 points on supermarket purchases, Earn 1 point on all other purchases No annual fee, Chip Enabled for Added Security Federally insured by NCUA Show More. No late fee on first late payment. No APR change for paying late. No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.

Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit. Reports to the three major credit bureaus.

Bank of America | The BankAmericard Cash Rewards(TM) Credit Card

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