4 Trustworthy Credit Card Options That Offer Cash Back

May 7th 2016

Citi Double Cash Card

Where most standard cash-back credit cards offer a basic 1-percent cash-back bonus, the Double Cash Card from Citibank doubles that by offering 2 percent back total. You get the first 1 percent credited to your account when you make a purchase, plus an additional 1 percent when you pay for that purchase. This is the simplest cash-back offer available, and it comes with no annual fee and no interest charged for balance transfers.

Chase Freedom

While the Chase Freedom card requires very good credit, it offers a lot in exchange. The cash-back rewards start at a basic 1 percent, then add up to 5 percent on a quarterly basis for purchases made within specific categories. You need to sign up for those categories to reap the rewards. Categories change every quarter, but they typically include gas stations and restaurants. Additional rewards also apply to the first purchases made with the card.

Fidelity Investment Rewards American Express

If you already have an investment, retirement or brokerage account with Fidelity, you can earn 2 percent back with this American Express card. The rewards are transferred every time you spend $2,500 on the card, and they go straight into your Fidelity account.

Discover It Card

The Discover It card also offers enhanced cash-back rewards in various categories. Just like other cash-back cards, you earn a standard 1 percent back on all purchases, but categories that change quarterly can reap you a 5-percent reward. During your first year using this card, you can double your cash back at the end of the year, so you earn 10 percent back on the various categories and a base rate of 2 percent cash back.


Consumer studies have shown that cash-back rewards are the most popular of all the perks offered with credit cards. If you're looking for a credit card that offers cash-back rewards, it's important to pay attention to the fine print in your card's terms and conditions. Because credit card companies and banks change their offers frequently, staying on top of what's included or provided is key to finding great cash-back deals. Here are some of the best choices among cash-back credit cards offered, as of 2015.

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