Best Cash Back Credit Cards — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top cash back credit cards currently available include: We Florida Financial Credit UnionWe Florida Financial Credit Union9560 Pines Blvd, Sunrise, FL, 33351A+5.0 ★Texas Ratio: 4.14%'s Rewards Credit Card has an APR of 1.99%, We Florida Financial Credit UnionWe Florida Financial Credit Union9560 Pines Blvd, Sunrise, FL, 33351A+5.0 ★Texas Ratio: 4.14%'s Rewards Credit Card Balance Transfers has an APR of 1.99%, Gain Federal Credit UnionGain Federal Credit Union1800 W Magnolia Blvd, San Fernando, CA, 91506 1726A+5.0 ★Texas Ratio: 2.03%'s Platinum Rewards Mastercard has an APR of 1.99%, Neches Federal Credit UnionNeches Federal Credit Union676 Magnolia Ave, Port Neches, TX, 77713A+5.0 ★Texas Ratio: 1.42%'s Visa Platinum Rewards has an APR of 2.90%, and Neches Federal Credit UnionNeches Federal Credit Union676 Magnolia Ave, Port Neches, TX, 77713A+5.0 ★Texas Ratio: 1.42%'s Visa Platinum Rewards Secured has an APR of 2.90%. Rates as of June 27, 2026 per MonitorBankRates.
Cash back credit cards return a percentage of every purchase as a statement credit or direct deposit. The best cash back cards combine competitive reward rates with low APRs — so even if you occasionally carry a balance, you’re not giving back your rewards in interest.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: June 27, 2026
Compare Cash Back Credit Cards Nationwide
Intro rate on Purchases for 180 Days. Balance Transfers - Intro 1.99% APR for 12 Months! Earn 10,000 Bonus Points for Spending $1,500 in First 90 days! No Annual Fee! Convert Points to Cash Back & More High Credit Limits Available Get Purchase Security Benefits Provides Auto Rental Insurance
Intro rate expires: 12 Months; Regular APR: The APR may vary monthly based on the Prime Rate.
Introductory APR is valid for a period of six (6) billing cycles. Introductory rate is for purchases only. When the discounted period expires, the APR on existing and subsequent balances will increase to the new non-discounted rate on the first day of the following billing cycle. Regular APR: 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 17.50% APR. Refer to the "Mastercard Application and Solicitation Disclosure" and the "Mastercard Agreement" for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time.
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Regular APR: 11.45% - 17.95%
Intro rate expires: 12 billing cycles; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%; Installment Payments Rate: Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
3% Cash Back on purchases
As Low As; Intro rate expires: N/A; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: Index + 7.00%; No Annual Fee
Intro rate expires: 6 months; Regular APR: 12.75%
Determined by account funds
No additional details provided.
As Low As; APR*
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determined by credit worthiness
No additional details provided.
As Low As
As Low As
Regular APR: 10.25% (Balance Transfers); 10.25% (Cash Advances)
As Low As; Apply for our visa rewards card today, and start earning cash back rewards.
No additional details provided.
No additional details provided.
Regular APR: 8.90%
No additional details provided.
As Low As; NO annual fee; NO balance transfer fee; NO cash advance fee
No additional details provided.
APR*
As Low As
As low as; No Annual Fee; ScoreCard® Reward can be used for Travel or Merchandise; 25 day grace period
Cash Back Credit Card APR Trend
Daily national average APR compiled from 163 banks & credit unions — updated daily.
APRs fell 0.023 pts to 13.32%, down from 13.35% last week.
Averages from 214 APR quotes across 163 institutions • As of Jun 28, 2026
What Is a Cash Back Credit Card?
A cash back credit card returns a percentage of your eligible purchases as cash, typically applied as a statement credit, check, or deposit. Reward rates generally range from 1–5% depending on the card and spending category.
Credit unions frequently offer cash back cards with lower APRs than bank-issued equivalents. For cardholders who occasionally carry a balance, the lower interest rate can preserve the value of rewards that would otherwise be offset by finance charges.
When comparing cash back cards, look beyond the headline reward rate. Consider the APR for carried balances, annual fees, redemption minimums, and any rotating category requirements. MonitorBankRates displays Safety Grades and financial health metrics alongside APR so you can evaluate the institution as well as the card.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate cash back credit card APRs nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital disclosures and manually verifying rates daily, every APR on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems monitor 8,500+ banks and credit unions across all 50 states. Because institutions vary by location and membership, the state filter is highly recommended to surface the best local options.
Daily Updates & Time-Stamped Accuracy: Our team verifies and updates credit card APRs daily. Every product listed features its own “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective FDIC and NCUA regulatory data — including the Texas Ratio — so you can choose financially secure institutions.
Frequently Asked Questions about Cash Back Credit Cards
What is a cash back credit card?
Are cash back cards from credit unions competitive?
Flat rate vs. tiered cash back?
How do I redeem cash back rewards?
Does cash back card APR matter?
Top Cash Back Credit Cards Today
- We Florida Financial Credit Union: 1.99% APR (Rewards Credit Card)
- We Florida Financial Credit Union: 1.99% APR (Rewards Credit Card Balance Transfers)
- Gain Federal Credit Union: 1.99% APR (Platinum Rewards Mastercard)
- Neches Federal Credit Union: 2.90% APR (Visa Platinum Rewards)
- Neches Federal Credit Union: 2.90% APR (Visa Platinum Rewards Secured)
More Credit Card Options
