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1% or Better Cash Back Cards with No Annual Fee
The Internet's most complete cash reward card comparison.
Money Back Every Time You Swipe Your Card
Some cash back cards pay more than others do, especially in certain categories. A combination of cards helps maximize your rewards.
A buck or more back on every hundred dollars you spend. It will never make you rich but why walk away from free money? With the right combination of cards, $400 back per year for the average family is quite realistic.
The cash back cards in our chart meet the following criteria:
- Cash! In this comparison, we're not talking about free hotel stays, airline tickets or gift certificates to Disneyland. We're talking about U.S. currency. Since you're unlikely to get actual cash from your credit card company, a check, statement credit, transfer to your checking account or any other means by which you can turn the reward into the equivalent amount of cash will suffice.
- No annual fee. With the cards below, you won't risk a loss if your rewards don't equal your annual fee.
- 1% or more cash back. Not all cards pay 1% right from the start, but as long as the cash rewards hit 1% or better at some point, you'll find the card below.
Just ahead: The Internet's largest catalog of 1% or better cash rebate credit cards.
Contents
- Chart 1: Rewards Program Details
- Chart 2: Credit Card Offer Details
Credit Card Companies
- American Express Chart 1, Chart 2
- Bank of America Chart 1, Chart 2
- CapitalOne Chart 1, Chart 2
- Chase Chart 1, Chart 2
- CitiBank Chart 1, Chart 2
- Discover Chart 1, Chart 2
- Emigrant Direct Chart 1, Chart 2
- Fidelity Chart 1, Chart 2
- First National Bank of Omaha Chart 1, Chart 2
- Iberia Bank Chart 1, Chart 2
- Navy Federal Credit Union (NFCU) Chart 1, Chart 2
- Pentagon Federal Credit Union (PenFed) Chart 1, Chart 2
- PNC Bank Chart 1, Chart 2
- Priceline Chart 1, Chart 2
- Quorum Federal Credit Union Chart 1, Chart 2
- Sovereign Bank Chart 1, Chart 2
- TD Bank Chart 1, Chart 2
- Union Bank Chart 1, Chart 2
- U.S. Bank Chart 1, Chart 2
- Wells Fargo Chart 1, Chart 2
Cash Back Reward Cards Offering 1% or Better Chart #1: Rewards Program Details Card | Cash Back Tiers / Earning Method / Reset | Bonus Categories / Bonus % / Average % | Bonus Mall | Cash Out Event | Reward Caps | Sign Up |
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American Express |
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Blue Cash Everyday | 1% | Groceries: 3% Gas: 2% Department Stores: 2% | Discounts on hotels, car rentals, dining and more | $25 | None | |
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Bank of America |
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Cash Rewards | 1% + 10% of Redempt. Value18 | Groceries: 3% Gas: 2% | None | $25 | $6,000 max. bonus category spending ($180 max. reward) per year.19 | |
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Visa Signature | $0 - $7,500: 0.5% $7,501 - $25,000: 0.8% $25,000+: 1% / Accumulated / Reset On Cash Out | None | Up to 30% | $12.50 | Points expire 5 years from day earned | |
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CapitalOne |
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Cash | 1% + annual 50% bonus of reward earnings20 | None | Up to 15% | Anytime | None | Excellent credit21 |
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Chase |
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Amazon.com Rewards Visa | 1% | Amazon.com: 3% Dining: 2% Drug Stores: 2% Gas: 2% Office Stores: 2% | No | $50 | None | |
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Freedom | 1% + 10ยข per Transaction23 | Rotating: 5% / 2.5%1 Gas Stations Rotating: 5% / 1.25%1 Airlines Amazon.com Best Buy Grocery Stores Hotels Kohl's Movies Restaurants | Up to 20% | $20 | $6,000 max. 5% bonus category spending ($300 reward) per year.2 | |
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Sapphire | 1% | None | Airlines: 2% | $50 | None | |
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CitiBank |
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Dividend Platinum Select MasterCard for College Students | 1% (purchases, cash advances and balance tranfers) | Rotating: Up to 5% / 1.25%3 Clothes Dining Department Stores Electronic Stores Hotels Jewelery Travel and more... | Up to 35% | $50 | Max. $300 bonus reward per year. Rewards forfeited if card is inactive for a year.4 | Student |
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Dividend World MasterCard | 1% (purchases, cash advances and balance tranfers) | Rotating: 5% / 1.25% Airlines Car Rentals Hotels | Up to 35% | $50 | Max. $300 bonus reward per year. Rewards forfeited if card is inactive for a year.4 | $500 Cash Back22 $100 Cash Back22 |
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Discover |
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More Card* | $0 - $3,000, 0.25% $3,000+: 1% / As-You-Spend / Reset Annually5 | 5% Movies Rotating: 5% / 2.5%6 Gas Stations Rotating: 5% / 1.25%6 Department Stores Electronics Stores Museums Restaurants Toy Stores Theme Parks | 5% - 20% | $50 | $2,200 max. 5% bonus category spending ($110 reward) per year.7, 17 | Good Credit Student |
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Motiva Card* | $0 - $3,000, 0.25% $3,000+: 1% / As-You-Spend / Reset Annually5 | 5% cash back on monthly interest charge. | 5% - 20% | $20 | None | |
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Open Road* | $0 - $3,000, 0.25% $3,000+: 1% / As-You-Spend / Reset Annually5 | Dining: 2% Gas: 2% | 5% - 20% | $20 | $250 max. 2% bonus category spending ($5 reward) per month.9 | Standard Student |
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Emigrant Direct |
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Visa Signature | 1% | None | No | ? | None | |
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Fidelity |
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Investment Rewards American Express | $0 - $3,750: 1% $3,751 - $12,499: 1.6% $12,500+: 2% / Accumulated / Reset On Cash Out 12 | None | Up to 20% | $12.50 | Points expire 5 years from day earned | Excellent Credit |
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Investment Rewards Visa Signature | $0 - $15,000, 1.5% $15,000+, 2% / As-You-Spend / Reset Annually | None | Up to 20% | $50 | Points expire 5 years from day earned | Excellent Credit |
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First National Bank of Omaha |
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BucksBack Platinum Edition | 1% | None | Up to 15% | $25 | Points expire 3 years from day earned. $750 maximum reward per year. | |
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Maximum Rewards Platinum Edition | $0 - $2,333: 1.07% $4,000 - $5,666: 1.25% $5,666 - $7,333: 1.32% $7,333 - $33,333: 1.36% $33,333+: 1.5% / Accumulated / Reset On Cash Out | None | No | $25 | Points expire 5 years from day earned. | |
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Visa Signature with Maximum Rewards | $0 - $2,333: 1.07% $4,000 - $5,666: 1.25% $5,666 - $7,333: 1.32% $7,333 - $33,333: 1.36% $33,333+: 1.5% / Accumulated / Reset On Cash Out | None | No | $25 | Points expire 5 years from day earned | |
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Iberiabank |
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Visa Gold* | 1% | None | No | Yearly | None | |
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Navy Federal Credit Union |
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cashRewards | $0 - $10,000, 1% $10,000+, 1.5% / As-You-Spend / Reset Annually | None | No | $20 | None | 14 |
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Penatgon Federal Credit Union |
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PenFed Visa Platinum Gas/Cash Rewards* | 0.25% | Gas: 5%11 | No | Monthly | None | 13 |
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PNC Bank |
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CashBuilder Visa | $0 - $2,000, 1.25% $2,000 - $4,000, 1.25% $4,000+, 1.75% / As-You-Spend / Reset Monthly | None | No | $50 | None | |
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Priceline |
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Priceline Visa Signature | 2% | Priceline Name Your Own Price Purchases: 5% | None | $25 | Points expire 4 years from day earned Must make at least 1 purchase every 6 months | |
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Quorum Federal Credit Union |
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Visa Cash Back | 1.25% | None | Dreampoints | $50 | None | |
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Sovereign Bank |
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Visa Signature / WorldPoints MasterCard | $0 - $7,500: 0.5% $7,501 - $25,000: 0.8% $25,000+: 1% / Accumulated / Reset On Cash Out | None | Up to 45% | $12.50 | Points expire 5 years from day earned | |
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TD Bank |
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Cash Rewards Visa | 1% | None | No | $25 | None | |
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Union Bank |
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Maximum Rewards Platinum Edition | $0 - $2,333: 1.07% $4,000 - $5,666: 1.25% $5,666 - $7,333: 1.32% $7,333 - $33,333: 1.36% $33,333+: 1.5% / Accumulated / Reset On Cash Out | None | No | $25 | Points expire 5 years from day earned | |
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U.S. Bank |
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Cash+ Visa | 1% + $25 bonus for $100+ redemption | Pick 2 5% categories and 1 2% category every 3 months. See demo for examples. | No | $25 | None | |
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Wells Fargo |
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Cash Back Visa | 1% | None | No | $25 | None | Standard Student |
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Cash Back Reward Cards Offering 1% or Better Chart #2: Credit Card Offer Details Card | Prerequisites? | Intro. Offer | Fine Print | Sign Up |
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American Express |
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Blue Cash Everyday | None | 6 or 12 mo. 0% intro rate | Pricing & Terms | |
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Bank of America |
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Cash Rewards | None | 12 mo. 0% intro rate 12 mo. 0% balance transfer rate $250 cash back3 | Pricing & Terms | |
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Visa Signature | None | 12 mo. 0% intro rate $50 cash back12 | Pricing & Terms | |
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CapitalOne |
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Cash | None | $100 cash back12 12 mo. 0% intro rate 12 mo. 0% balance transfer rate | Pricing & Terms, Rewards Program | Excellent Credit1 |
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Chase |
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Amazon.com Rewards Visa Card | None | $30 credit | Pricing & Terms, Reward Program | |
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Freedom | None | $100 cash back10 12.99% to 22.99% APR 15 mo. 0% intro. rate 15 mo. 0% balance transfer rate | Pricing & Terms | |
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Sapphire | None | $100 cash back | Pricing & Terms | |
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CitiBank |
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Dividend Platinum Select MasterCard for College Students | Must be enrolled in college for student card. | 7 mo. 0% intro. rate 5% cash back for groceries, drug stores, gas & utilities for 6 mo. | Pricing & Terms, Rewards Program | Student |
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Dividend World MasterCard | None | 15 mo. 0% intro. rate 15 mo. 0% balance transfer rate $100 or $500 cash back11 | Pricing & Terms, Rewards Program | $500 Cash Back11 $100 Cash Back11 |
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Discover |
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More Card* | Must be enrolled in college for student card. | Good Credit: 15 mo. 0% intro. rate 15 mo. 0% balance transfer rate Student: 9 mo. 0% intro. rate | Pricing & Terms | Good Credit Student |
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Motiva Card* | None | 15 mo. 3.99% intro rate 15 mo. 3.99% balance transfer rate | Pricing & Terms | |
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Open Road* | Must be enrolled in college for student card. | Standard: 15 mo. 0% intro rate 15 mo. 0% balance transfer rate Student: 9 mo. 0% intro. rate | Pricing & Terms | Standard Student |
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Emigrant Direct |
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World MasterCard | None | $25 back after first purchase 6 mo. 0% intro rate 6 mo. 0% balance transfer rate | Pricing & Terms, Rewards Program | |
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Fidelity |
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Investment Rewards American Express | None | None | FAQ, Rewards Program, Apply to read Pricing & Terms | Excellent Credit |
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Investment Rewards Visa Signature | None | None | FAQ, Rewards Program, Apply to read Pricing & Terms | Excellent Credit |
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First National Bank of Omaha |
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BucksBack Platinum Edition | None | 6 mo. 0% intro rate | Pricing & Terms, Rewards Program | |
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Maximum Rewards Platinum Edition | None | None | Pricing & Terms, Rewards Program | |
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Visa Signature with Maximum Rewards | None | None | Pricing & Terms, Rewards Program | |
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Iberiabank |
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Visa Gold* | None | 6 mo. 0% intro. rate | Pricing & Terms, Agreement, Enhancements | |
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Navy Federal Credit Union |
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cashRewards | Credit union. Must meet eligibility requirements.8 | None | Apply to read Pricing & Terms, Rewards Program | 9 |
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Pentagon Federal Credit Union |
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PenFed Visa Platinum Gas/Cash Rewards* | Credit union. Must meet eligibility requirements.6 | 9.99% intro rate until June 30, 2014 24 month 1.99% balance transfer rate | Pricing & Terms | 7 |
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PNC Bank |
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CashBuilder | None | 1.75% cash back for first month. | Pricing & Terms | |
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Priceline |
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Priceline Rewards Visa Signature | None | $50 cash back 15 mo. 0% intro rate | Pricing & Terms, Rewards Info | |
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Quorum Federal Credit Union |
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Visa Cash Back | Credit union. Must be eligible to join. | None | Pricing & Terms (Apply to read), Rewards Info | |
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Sovereign Bank |
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Visa Signature / WorldPoints MasterCard | None | 12 mo. 0% intro rate | Pricing & Terms, Rewards Info (Apply to read) | |
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TD Bank |
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Cash Rewards Visa | None | 6 mo. 0% intro. rate 2% cash back on dining, gas and groceries for 6 months | Pricing & Terms, Rewards Program | |
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Union Bank |
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Maximum Rewards Platinum Edition | None | None | Pricing & Terms, Rewards Program | |
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U.S. Bank |
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FlexPerks Cash Rewards Visa | None | 6 mo. 0% intro. rate | Pricing & Terms | |
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Wells Fargo |
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Cash Back Visa | Must be enrolled in college for student card. | Excellent Credit: 6 mo. 0% intro. rate 6 mo. 0% balance transfer rate Student: 6 mo. 6% - 14% intro. rate | Agreement, Rewards,Agreement (Student), Rewards (Student) | Standard Student |
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Talk About It
Do you know of any cash rebate cards we missed? Do you have experiences you'd like to share about a credit card company? Do you have questions about a card or reward program that we didn't answer?
Chime in on our Credit Card Chat page. We'd love to hear from you.
Disclosures
* Knowzy has a financial relationship with cards marked with a * and Knowzy may be compensated if you sign up. We appreciate your support.
Originally Published: Sunday, September 12, 2010, 5:00 PM PT Last Updated: Wednesday, January 9, 2013, 11:59 AM PT Version 28
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