Cashback offers that actually work |
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Cashback offers that actually work

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Take advantage of rebate incentives offered by banks and card providers.

The financial market is crowded with competitors, leaving banks and providers to look for stronger ways to entice you to sign up and use their products. A cashback incentive is one such perk, rewarding your spending with money back that’s redeemable toward cash deposits, gift cards and other perks.

Our pick for one of the highest cashback offers

Blue Cash Preferred® Card from American Express

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at US gas stations.
  • 1% cash back on other purchases.
  • Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
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See Rates & Fees

Credit cards with cashback offers

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
16.24% to 25.74% variable
0% for the first 12 billing cycles (then 16.24% to 25.74% variable)
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus.
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees

Compare up to 4 providers

Regular cashback card offers

  • How they work. Cashback credit cards let you earn a percentage of your spending back in the form of statement credit, a check or a savings or checking account deposit. Other benefits include a 0% intro APR period on balance transfers and purchases, signup bonuses and accelerated rewards in select spending categories. Offers can be for a limited time or require you to meet specific spending criteria.
  • What to watch out for. Cashback cards generally come with higher rates and lower signup bonuses than other rewards cards — and they often have foreign transaction fees. Weigh the card’s fees against rewards to determine whether it’s worth it.

See the best credit card cashback offersBack to top

Cashback checking accounts

  • How they work. Discover and other banks offer online checking accounts that earn cash back each time you swipe or dip your debit card, pay your bills online or meet balance minimums. These types of accounts typically require no annual fee.
  • What to watch out for. Cashback rates on bank accounts aren’t often generous. If you’re looking to earn stronger rewards, a credit card might be the better choice.
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Mortgage cash back

  • How it works. If you apply for a mortgage with Chase Bank, you might qualify for a one-time credit of $500 after you close on your home purchase. To get the cash back, you must enroll a Chase personal checking account in automatic mortgage payments and choose paperless statements.
  • What to watch out for. You must complete your enrollment for autopay on your mortgage within 60 days of closing. Otherwise, you may not get the offer. The offer does not extend to home loan refinancing.
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What are the pros and cons of cashback offers?


  • Flexible rewards. Earn cash back for signing up or banking with a provider, and put the money towards your purchases, gift cards and more, depending on the product.
  • Bonus at signup. A cashback card may offer a lucrative bonus for applying and savings on interest with a low intro APR.


  • High rates and fees. Cashback cards typically come with higher APRs than no-reward credit cards, and you may face restrictions with cashback accounts and loans.

Bottom line

When weighing a cashback offer or signup bonus, compare the fees and rates against other options to make sure potential rewards are worth it. You might find better value with a no-reward option.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer for, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.

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