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Best cashback credit cards for average or bad credit
You can earn rewards while building credit.
Updated . What changed?
Our pick for a cashback card for bad credit
Credit One Bank® Platinum Visa® for Rebuilding CreditRead more
What are the best cashback credit cards for average or bad credit?
- Credit One Bank® Platinum Visa® for Rebuilding Credit: Best unsecured cashback credit card for bad credit
- Capital One® QuicksilverOne® Cash Rewards Credit Card: Best credit card for unlimited cash back
- Bank of America® Cash Rewards for Students: Best cashback credit card for students
Best unsecured cashback credit card for bad credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
Min. credit score
- Cash back. Based on your creditworthiness, you can join one of four cashback reward programs. These include 1% cash back on categories such as gas, dining, groceries, mobile phone services, and Internet, cable and satellite TV services. Another program lets you earn 1% back on all purchases.
- Free credit score access. Get free access to your Experian credit score and monitor your progress.
- Potential credit line increase. Credit One automatically reviews your account for a credit line increase.
|Annual Fee||$0 to $99|
|Purchase APR||17.99% to 23.99% variable|
|Balance transfer APR||N/A|
|Rewards||1% cash back on all purchases on eligible purchases|
Best credit card for unlimited cash back
Capital One® QuicksilverOne® Cash Rewards Credit Card
Min. credit score
- Cash back. Earn unlimited 1.5% cash back on all of your purchases.
- Access to higher credit line. Pay your balance on time for five consecutive months and you'll be eligible for a higher credit line. If you keep using your card responsibly, Capital One may offer an upgrade to a better card.
- CreditWise. Get free access to your credit score from TransUnion and monitor your credit-building progress.
|Purchase APR||22.99% variable|
|Balance transfer APR||22.99% variable|
|Rewards||1.5% cash back on all purchases|
Best cashback credit card for students
Bank of America® Cash Rewards for Students
Min. credit score
- Cash back. Earn 3% cash back on one category you choose - online shopping, dining, gas, drug stores, travel or home improvements. Earn 2% cash back at grocery stores and wholesale clubs. However, you are capped at $2,500 every quarter in combined purchases on the 3% and 2% cashback categories. After that, and on everything else you buy, earn 1% cash back.
- Signup bonus. Earn $200 online cash bonus after you spend $1,000 in the first 90 days of card ownership.
- Intro APR period. Get 0% intro APR period on purchases and balance transfers for 12 billing cycles. After the intro period expires, a variable APR of 13.99% to 23.99% applies.
|Purchase APR||0% intro for the first 12 statement closing dates (then 13.99% to 23.99% variable)|
|Balance transfer APR||0% intro for the first 12 billing cycles (then 13.99% to 23.99% variable)|
|Welcome offer||$200 after spending $1,000 in the first 90 days|
|Rewards||3% and 2% cash back on the first $2,500 in combined choice category, grocery and wholesale club purchases each quarter, then 1%|
How we selected our top cards
We compared all cashback credit cards for average and bad credit and we chose the cards that stood out from the crowd. We took notice of the rewards rate, the annual fee, whether you get to earn a signup bonus and whether you get a 0% intro APR period.
What types of cashback credit cards for average or bad credit are there?
With an average or bad credit score, your choices are usually limited to:
- Unsecured cards. If you have average credit, the Capital One® QuicksilverOne® Cash Rewards Credit Card could be the better choice. But if you have bad credit, consider the Credit One Bank® Platinum Visa® for Rebuilding Credit.
- Secured cards. If you find it hard to get an unsecured card because of your credit score, consider the Discover it Secured card. You’ll earn cash back on your purchases and you get to build your credit.
- Student cards. The Bank of America® Cash Rewards for Students can help you build your credit and earn accelerated cash back on a category you choose.
Compare cashback credit cards for average or bad credit
Having a bad or average credit score can limit your credit card options, especially if you’re looking for cashback cards. But there are cards designed with lower credit scores in mind, which can be secured or unsecured. And if you’re a student you might be able to get access to slightly better cards.
However, if none of these cards are what you’re looking for, feel free to check out other credit cards and compare your options.
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