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Cash Back Credit Cards for September 2021

Compare our recommended cash back credit card offers from our partners. Apply securely online by clicking APPLY NOW.
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Citi Custom Cash℠ Card

Requires sign in
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Welcome Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% Intro APR on Balance Transfers and Purchases for 15 months.
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Chase Freedom Unlimited®

Chase Freedom Unlimited®
On Chase's secure site
Requires sign in
Rewards Rate
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
Welcome Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Intro Purchase APR
0% for 15 months on Purchases
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Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
On American Express's secure site
Rates & Fees
Rewards Rate
3% Cash back on your first $6,000 of eligible purchases per year at US supermarkets, 2% Cash Back at Gas Stations, 1% Cash Back on all other purchases
Welcome Offer
Earn up to $250 in statement credits. Terms apply.
0% Intro Purchase APR
0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
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Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
On Citi's secure site
Requires sign in
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Extra Benefits
No annual fee and free access to Citi Entertainment®
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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
On American Express's secure site
Rates & Fees
Rewards Rate
6% cash back at supermarkets (up to $6,000) and select streaming subscriptions, 3% cash back on transit and gas, 1% on all other purchases
Welcome Offer
Earn up to $350 in statement credits. Terms apply.
Intro Purchase APR
0% for 12 months on purchases, then a variable rate, 13.99% to 23.99%
See Full Details

Cash Back Credit Cards

Cash back cards are one of the most popular consumer cards and for good reason. These types of cards work on a simple concept: the consumer earns cash rewards for their purchases. As opposed to a points rewards system, which requires the consumer to go through the redemption process, cashback rewards come directly in the form of cash. The form of cash back rewards depends on the type of cash back card you have. In general, you can find three different categories of cash back cards:

1. Flat rate cash back
2. Tiered cash back
3. Bonus category cash back

Types of Cash Back Rewards

Flat rate cash back cards refer to a rewards system where the card offers a fixed rate of cash back on purchases, regardless of category. This type of rewards system is ideal for those who have a fairly random purchasing history and do not spend heavily on one or two categories.

Tiered cash back rewards work on the basis of differing cash back rates depending on the category of spending. With these forms of cards, you will receive a standard cash back rate on most purchases and then higher cash back rates on certain categories, which most of the time include gas, groceries, dining, entertainment and travel. Therefore, if you spend regularly, but especially on a few broad categories (i.e. you drive often or eat out regularly), then this is the ideal form of cash back.

Lastly, bonus category cash back rewards work on the concept of revolving categories. Cash back cards offering this type of reward work similar to tiered cash back rewards, with the exception that the categories that offer the highest rate of rewards change with time. Therefore, this card is great for those who are detail-oriented and are willing to regularly update their purchasing behaviors depending on the cash back rewards.

Redeeming Cash Back

While there are many ways to redeem your cash back rewards, these are the most common ways to do so:

1. Statement credit - this is a method of using your cash back rewards to pay back your credit card bill. Instead of receiving cash, your cash back rewards will be used toward paying your credit card balance.
2. Donations /charity - if you are not spending much or earning many rewards but still want to continue your card, it would be advisable to simply donate your rewards to charity. In most cases, your card issuer will let you directly transfer your cash back reward to a charitable organisation of your choice.
3. Gift cards/coupon - many card issuers may be able to offer your cash rewards in forms of gift cards. In some cases where the card issuer offers gift cards with partnered organizations, these cards may offer an extra value or may offer prices that are less than the retail value.
4. Online retail - you can often use your cash back rewards and redeem them at online stores that are partnered with your card issuer.

Considerations

There are many further points to take in mind when acquiring a cash back rewards card. Many cash back rewards cards have different rewards expiration dates. Some cards enable you to redeem rewards as long as the account is open, whereas others only let you do so for a fixed period of time.

Furthermore, some cash rewards cards also sometimes impose caps on how many rewards you can earn. Cash rewards cards tend to come with higher purchase APR than other cards. It is also important to remember that in order to earn the higher rewards rates, you need to register your card online. Keeping up with new promotions and updates will also ensure that you make the best use of your rewards card.

Getting the right cash back rewards requires you to consider a multitude of factors. One very important factor is your credit score. A higher credit score will not only improve your chance of acquiring a cash back card, but it will improve your chances of getting a cash back rewards card with a high rewards rate. Cash rewards cards that demand higher credit scores offer much higher rewards and lower interest rates than other cards that require lower credit scores. Lastly, you should identify your spending patterns in deciding what type of cash back rewards card you should get.

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