Best Cash Back Credit Cards — August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Top cash back credit cards currently available include: 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%, Grow Financial Federal Credit UnionGrow Financial Federal Credit Union9514 Dorchester Rd Ste 102, Wesley Chapel, SC, 34653 6004A+5.0 ★Texas Ratio: 2.91%'s Visa Rewards has an APR of 1.99%, Johns Hopkins Federal Credit UnionJohns Hopkins Federal Credit Union5201 Alpha Commons Dr, Baltimore, MD, 21224 5732A+5.0 ★Texas Ratio: 1.51%'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 has an APR of 1.99%, and Diamond Credit UnionDiamond Credit Union6th Avenue and Spruce St, Wyomissing, PA, 19611A+5.0 ★Texas Ratio: 1.69%'s Visa Signature Cashback has an APR of 1.99%. Rates as of August 28, 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: August 28, 2026
Compare Cash Back Credit Cards Nationwide
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 14.74% to 17.99%*. This is a variable rate. Rewards: 1 point per $1 spent. Annual Fee: $0
Intro rate expires: 12 months; Regular APR: Prime +10.5% interest rate with a cap of 18%.
Intro rate expires: 180 days; Regular APR: 19.99% - 29.99%. 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
Introductory APR for the first year; thereafter, 11.40% to 18.00% variable APR. Earn 1.5% Cashback every $1 spent. Spend $1,000 in the first 90 days and earn 15,000 points = $150.
Intro rate expires: 18 billing cycles; Regular APR: Prime Rate plus a margin which is determined by your credit worthiness. Rate is subject to change without notice. All approvals are subject to normal underwriting guidelines.
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 months; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 months; Regular APR: 13.96% - 18.00%; Installment Payments Rate Base: 5.99%; Installment Payments Rate Tier 1: 7.99%; Installment Payments Rate Tier 2: 9.99%
Intro rate for the first 12 billing cycles. Installment Payments Rate 5.99%. Regular APR: 14.96%
Intro rate for 12 billing cycles. Installment Payments Rate Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%. Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%
Introductory Fixed Rate; Regular APR: 12.40% - 18.00% VARIABLE RATE; Earn 1% Cash Back every year! Cash Back earned throughout the year will automatically be credited to your statement, monthly. For the first six months after opening, receive an additional 4% Cash Back based on the first $7,500 in monthly eligible net purchases.
Intro rate applies to transactions in the first 90 days.
Intro rate expires: 12 months; Regular APR: Prime Rate + 7.74% APR to 17.74% APR thereafter
Intro rate expires: 12 months; Regular APR: 11.15% VAPR
No additional details provided.
Intro rate expires: 12 months; Regular APR: 12.92%*
No annual fees; No balance transfer fees; Reward points with every transaction - redeem for gift cards, merchandise, and travel; 24/7 fraud protection; 25-day interest-free grace period - take your time to pay for new purchases without paying interest for 25 days!; Travel accident insurance when you pay for travel with your card
Double rewards from July through August, 3% APR cashback on everyday purchases when you use your HCU VISA Rewards card. Offer valid on new purchases made between 7/1/2026 and 8/31/2026. New purchases exclude balance transfers, cash advances, and fees. Cashback earned after month close. Eligibility and qualifying transactions subject to terms and conditions. Subject to credit approval. Annual Percentage Yield.
Introductory rate for 12 months. Bonus points offer.
Introductory rates as low as 3.90%*; Regular APR: 10.90%
Intro rate expires: 12 months; Regular APR: Prime + 7.00%; No annual fee
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro rate expires: 6 months; Regular APR: 12.75%
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 14.25% to 22.25% variable APR, based on creditworthiness. 1% Cash Back on All Purchases. No annual fee. Contactless payment.
Determined by account funds
Annual Percentage Rate (as low as)
Introductory rate for first 90 days! Earn Rewards while you shop! 3.00% cash back on Travel ‡ 2.00% cash back on Dining and Gas ‡ 1.00% everything else Easily redeem your rewards via the CashBack+ section in your Digital Banking account No Annual Fee. Regular APR: 19.99% - 29.99%
Intro rate expires: 12 billings cycles; Regular APR: 13.40% APR - 18% APR based on your credit score
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 6 months
Annual Percentage Rate (as low as)
Intro rate expires: 12 months; Regular APR: 6.99%
Minimum line of credit is $5,000; Earn 2 rewards points for every dollar you spend!
Annual Percentage Rate (APR). APR is based on your creditworthiness. The rate is subject to change quarterly based on the Prime Rate as published in the Wall Street Journal plus a margin of 6.4%-14.5%
Intro rate expires: 9 months; Regular APR: N/A
No additional details provided.
As low as 7.74%. Earn points for your purchases that can be used for cash back, Amazon, and so much more! Added VISA benefits such as Travel Accident Insurance, Travel and Emergency Assistance, and more. Competitive Rates. No Cost Balance Transfer. Tap-to-Pay. No Annual Fee. The best part of spending with this Credit card is all the rewards. Whether you're shopping online or in person, you earn and there is no limit to the amount of points that can be earned. Rewards to choose from: Cash Back, Amazon Pay w/ points, Paypal Gift Cards, Travel, Merchandise and more! Credit lines from $1,000 to $25,000. 25 day grace period on purchases. Low introductory rates.
Introductory APR: 1.99% for 12 months; Regular APR: 7.75%
No additional details provided.
Fixed if shared secured. Credit Card Details
determined by credit worthiness
No additional details provided.
Special Promotional Balance Transfer Rate. No balance transfer fee. The promotional rate remains fixed until the transferred balance is fully paid off. See CU for details. Non-variable rate, no annual fee.
As Low As
Rates are as low as 8.49% APR.
The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%.
Rates start as low as 8.88%. No annual fee. Same low rates for cash advances as purchases, immediate increases in your credit line, and one day service on replacement cards (certain fees apply). You can also get your account information online at ezcardinfo.com.
APR for purchases 8.90% to 15.50%. APR for balance transfers 8.90% to 15.50%. APR for cash advances 8.90% to 15.50%. Credit line $5,000.00 to $25,000.00.
Cash Back Credit Card APR Trend
Daily national average APR compiled from 280 banks & credit unions — updated daily.
APRs rose 0.014 pts to 13.52%, up from 13.51% last week.
Averages from 399 APR quotes across 280 institutions • As of Aug 29, 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
- Gain Federal Credit Union: 1.99% APR (Platinum Rewards Mastercard)
- Grow Financial Federal Credit Union: 1.99% APR (Visa Rewards)
- Johns Hopkins Federal Credit Union: 1.99% APR (Rewards Credit Card)
- We Florida Financial Credit Union: 1.99% APR (Rewards Credit Card)
- Diamond Credit Union: 1.99% APR (Visa Signature Cashback)
More Credit Card Options
