Cash-Back Credit Cards

Cash-back rewards are bonuses paid to credit card customers when they use cards to make a purchase from a pre-approved list of products. Read more to find out if this type of card is right for you.

Frequently Asked Questions
  • Can I add an authorized user to leverage their spending for cash back rewards?

    Yes, an authorized user can be added to a primary account that will allow the account holder to accumulate cash back rewards from the spending on that additional card. Authorized users are typically spouses, partners or children but can include any trusted individual designated by the primary account holder.

  • Where do I find the cash back rewards information on a credit card?

    The specific terms for a cash back credit card, such as cash back percentages earned for various types of spending, annual fees and interest rates can be found within disclosure information on the issuer’s website as well as within the cardholder agreement that is sent to new customers upon account opening. Ultimately, the cardholder agreement is the governing document for the account and supercedes any other disclosures.

  • Is it possible to pay off other credit cards with a cash back card?

    No, one credit card can not be used to directly pay off the balance of another credit card. This prevents individuals from gaming the system and using payments for amounts owed on other cards to earn rewards points, miles or cash back without spending money for new purchases. Balance transfer and convenience checks can be used from one account to pay down another but these payment methods do not earn rewards.

  • Can you earn cash back rewards in Bitcoin?

    Yes, there are recent cash back rewards credit cards that have been launched by fintech companies that allow rewards to take the form of Bitcoin rather than straight cash back. Issuers such as BlockFi, Gemini and Upgrade now offer cards that earn cash back in Bitcoin, while Sofi offers a rewards card that allows points to be redeemed for cryptocurrency.

  • How do I stop getting cash back credit card offers in the mail?

    The best way to stop getting credit card offers in the mail is to sign up for the national do not mail registry at DMAChoice.org or Directmail.com. Once an individual adds their name and mailing address to this list junk mail should stop within a few months and the protection lasts for five years, though opt-in and opt-out choices can be made as needed at any time.

Key Terms

Explore Cash-Back Credit Cards

Discover Cash
Discover It Cash Back Credit Card Review
Citi Double Cash
Citi Double Cash Credit Card Review
Amazon Rewards Visa Signature
Amazon Rewards Visa Signature Review
Wells Fargo Cash Wise Credit Card Review
Wells Fargo Cash Wise Credit Card Review
PV
Petal 2 Visa Card Review 2023
Fidelity
Fidelity Rewards Visa Signature Review
Bank-of-America-Customized-Cash-Rewards-Credit-Card
Bank of America Customized Cash Rewards Credit Card Review
Costco
Costco Anywhere Visa Business Card by Citi Review
SB
Capital One Spark Cash Select Excellent Credit Review
COBAE
Credit One Bank American Express Card Review
Chase Freedom Flex Review
Chase Freedom Flex Review 2023
COBPV
Credit One Visa for Rebuilding Credit Review
RV
Rakuten Cash Back Visa Signature Credit Card Review
USBC+
U.S. Bank Cash Plus Review
Quicksilver One
Capital One QuicksilverOne Credit Card Review
AE Everyday
Blue Cash Everyday Credit Card Review
AE Cash Magnet
American Express Cash Magnet Card Review
American Express
Amex EveryDay Card Review
Credit One Platinum Premier Visa
Credit One Platinum Premier Visa Review 2023
INV Venmo Credit Card
Venmo Credit Card Review
WFCB
Wells Fargo Cash Back College Review
USAA Cashback Rewards Plus American Express Card
USAA Cashback Rewards Plus American Express® Card Review
Discover Platinum
Discover it Chrome Credit Card Review
BankofAmericaCustomizedCashRewardsStudent
Bank of America Customized Cash Rewards for Students Review
HSBC
HSBC Cash Rewards Mastercard Review 2023
Upgrade Card Recirc INV
Upgrade Card Review
INV Sofi Recirc
SoFi Credit Card Review 2023
NCOBV
NASCAR American Express Credit Card Review
USAA Preferred
USAA Preferred Cash Rewards Review
AEBP
The Plum Card from American Express Review
PenFed Power Cash Rewards Visa Signature Card
PenFed Power Cash Rewards Visa Signature Card Review
Capital One Spark Cash Review
Capital One Spark Cash Review