Cashback offers for credit cards, bank accounts and loans

Earn one-time bonuses and ongoing cashback rewards.

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To entice you to sign up, banks and financial providers might offer two types of cashback incentives — one-time bonuses and ongoing cash back. They can reward you for essential activities or regular purchases.

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.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $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% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn $150 after spending $500 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Unlimited 1.5% cash back. Rates & fees
See terms
See issuer's website
See terms
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One-time cashback offers

Some services offer cashback bonuses for signing up and taking specific actions. These are one-time offers; once you earn them, you won’t be able to get them again.

Credit card cashback offers

  • How it works. When you open a credit card with a cashback signup bonus, you’ll earn the bonus by spending a certain amount on your card within a specified time. For example, you may earn a $150 cash bonus by spending $500 on your card within the first three months of account opening.
  • What to watch out for. If you don’t spend the stated amount within the specified time period, you’ll lose the opportunity to earn the bonus.
Name Bonus How to get the bonus
Chase Freedom Unlimited®
  • Earn $150 cash back after you spend $500 in purchases on your card within 3 months of opening your account.
  • Value: $150 cash back.
  • Meet the minimum spend requirement.
  • There’s no annual fee.
Wells Fargo Propel American Express® Card
  • Earn 30,000 bonus points after you make $3,000 in purchases within the first 3 months of account opening.
  • Value: When redeemed for cash back, these points are worth $300.
  • Meet the minimum spend requirement.
  • There’s no annual fee.
Chase Sapphire Preferred® Card credit card
  • Earn 60,000 bonus points after you make $4,000 in purchases within the first 3 months of account opening.
  • Value: When redeemed for cash back, these points are worth $600.
  • Meet the minimum spend requirement.
  • The card has a $95 annual fee.

Savings account cashback offers

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  • How it works. After you open an eligible savings account, deposit a minimum amount and maintain that balance for a specified time.
  • What to watch out for. While requirements can be slightly more straightforward than those for checking-account bonuses, you often have to deposit much more to qualify for your bonus.
Name Bonus How to get the bonus
Chase Savings account
  • $150
  • Deposit at least $10,000 in new money within 20 business days.
  • Maintain that balance for 90 days.
PNC Virtual Wallet
  • $50 to $300
  • Open and use your PNC Virtual Wallet by 9/30/19.

Checking account cashback offers

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  • How it works. After you open an eligible checking account, meet certain requirements such as depositing a minimum amount, setting up direct deposit or maintaining a minimum balance for a specified period of time.
  • What to watch out for. You may need to juggle a few requirements at a time. Also, deposit minimums can be high, so check whether you can meet them.
Name Bonus How to get the bonus
Chase Premier Plus Checking
  • $300
  • Make your first direct deposit within 90 days.
HSBC Advance Checking
  • $350
  • Deposit at least $5,000 within 30 calendar days of opening your account.
  • Maintain that balance for 90 days.
  • Set up a recurring direct deposit at least once per month for 3 consecutive months.
Chase Sapphire Checking
  • $750
  • Transfer at least $75,000 within 45 calendar days.
  • Maintain that balance for at least 90 days.

Personal loan cashback offers

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  • How it works. Refer friends and family members to a participating personal-loan provider. If they take out a loan, you’ll receive a bonus.
  • What to watch out for. You don’t have to use a particular provider just because it offers a bonus. It’s a good idea to compare loan options. While getting a cash bonus is nice, you might save more in the long run with another provider.
Name Bonus How to get the bonus
SoFi loans
  • Up to $10,000
  • Refer a friend or family member to an eligible SoFi product.

Mortgage cashback offers

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  • How it works. You may receive cash bonuses in the form of homebuyer grants, or for actions like taking a homebuyer course.
  • What to watch out for. You may need to meet certain requirements within a certain time frame to qualify for your bonus. Also, bonuses might not extend to home loan refinancing.
Name Bonus How to get the bonus
Chase Mortgage
  • $2,500 toward your home purchase
  • Apply and be approved for an eligible DreaMaker, Standard Agency, FHA or VA home purchase mortgage loan.
Chase Mortgage
  • $500
  • Complete a homebuyer education course.

Brokerage or retirement account cashback offers

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  • How it works. Open an eligible account and make the minimum required deposit. You’ll receive a cash bonus, plus commission-free trades for a certain period — often 90 days.
  • What to watch out for. Do your research to look for the right brokerage. You want to be comfortable with the fees you’ll pay, as well as the features you’ll get as a customer. You can always withdraw your deposit and transfer it to another brokerage, but this can be a hassle.
Name Bonus How to get the bonus
You Invest by JPMorgan
  • $200 to $625
  • 100 free trades
  • Fund your account with a minimum of $25,000 to $250,000. You’ll receive a higher bonus depending on your level of funding.
Ally Invest
  • $50 to $3,500
  • 90 days of commission-free trades
  • Fund your account with a minimum of $10,000 to $2,000,000. You’ll receive a higher bonus depending on your level of funding.
Stash
  • $5
  • Sign up through Finder’s link. (Click the Read review button).
  • Add at least $5 to your account.

Ongoing cashback offers

You can earn cash back regularly through everyday activities such as using your credit card or shopping online. This can be a great way to save without much effort.

Cashback credit cards

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  • 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.
  • What to watch out for. Cashback cards generally come with lower signup bonuses than other rewards cards — and they often have foreign transaction fees. Weigh the card’s fees against rewards to determine if it’s worth it.
Name Ongoing cash back Signup bonus
Citi® Double Cash Card
  • Unlimited 1% cash back on all purchases, and another 1% back as you pay them off.
  • N/A
Blue Cash Preferred® Card from American Express
  • 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% cash back at US gas stations.
  • 1% back on other eligible purchases.
  • $250 back after you make $1,000 in purchases with your card within the first 3 months of account opening.
Uber Visa Card
  • 5% back on Uber rides and Uber Eats.
  • 3% back on dining, hotels and airfare.
  • 1% on all other purchases.
  • $100 after spending $500 in the first 90 days

Cashback checking accounts

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  • How they work. Some 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.
Name Ongoing cash back
Discover Cashback Debit
  • 1% cash back on up to $3,000 in debit card purchases each month
Axos Bank CashBack Checking
  • 1% cash back on all transactions that require a signature, up to $2,000 in cash back maximum per month. Maintain a $1,500 average daily balance to earn this cashback rate.
  • If you have less than this average daily balance, you’ll earn .50% cash back for that month.

Cash back at retailers

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  • How they work. Register for a retailer’s rewards program. As you shop at the retailer, you’ll earn points or cash back. Many retailers will automatically redeem your rewards as you reach certain point thresholds, giving you reward certificates in return.
  • What to watch out for. You often need to earn a certain number of points before you’re allowed to redeem them. For example, you may have to earn 500 points to redeem them for a $5 reward certificate. If you don’t shop much at a retailer, it might be a long time before you can actually spend your rewards.
Name Earnings How to redeem
Kohl’s Cash
  • Earn a $10 Kohl’s Cash coupon for every $50 you spend in a single transaction during specified earn periods.
  • Receive Kohl’s Cash as coupons in stores, at kiosks or via email when you shop on Kohl’s.com.

Nordstrom At Nordstrom, Nordstrom Rack, HauteLook or Trunk Club, earn:
  • 3x points if you’re a Nordy credit cardmember.
  • 2x points if you’re a Nordy debit cardmember.
  • 1x points when you pay with cash, check or a non-Nordstrom card.
  • Redeem through the Nordstrom app for reward certificates, starting at 500 points = $5. Once you reach 2,000 points, they’ll automatically be redeemed for a $20 certificate.
Ulta At Ulta Beauty, earn:
  • 1x points as a member.
  • 1.25x points as a Platinum member.
  • 1.5x points as a Diamond member.
  • 2x points if you have an Ultamate Rewards Card.
Redeem your points for savings at checkout:
  • 100 points = $3 off.
  • 250 points = $8 off.
  • 500 points = $17.50 off.
  • 750 points = $30 off.
  • 1,000 points = $50 off.
  • 2,000 points = $125 off.

Cashback websites for general shopping

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  • How they work. Register for an account at a cashback website, such as Rakuten, which will serve as your shopping portal. Before shopping with any online retailer, click on a link through this portal that will take you to the retailer’s website. After you make a purchase, you’ll earn cash back.
  • What to watch out for. You need to remember to click through to retailers’ websites via your shopping portal. Otherwise, you won’t receive your cash back.
Name Ongoing cash back Signup bonus
Rakuten
  • Up to 40% cash back at 2,500+ stores.
$10 bonus after signup
Extrabux
  • Up to 30% cash back at 9,000+ stores.
  • $5 bonus after you earn $25 in cash back.
  • Extra $5 bonus after you earn $50 in cash back.
  • Extra $5 bonus after you earn $75 in cash back.
  • Extra $5 after you earn $100 in cash back.

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. Compare credit cards to make sure you’re getting the best fit for your wallet.

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