Cashback offers that actually work | finder.com
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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 $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
  • $95 annual fee.
  • Terms apply.
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Credit cards with cashback offers

Name Product Filter values Rewards Purchase APR Annual Fee
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
1.5% cash back on all purchases
0% for the first 15 months (then 15.24% to 26.24% variable)
$0
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
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% for the first 12 months (then 15.24% to 26.24% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. 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?

Pros

  • 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.

Cons

  • 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.

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