Best Cash Back Credit Cards — March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top cash back credit cards currently available include: Heartland Bank and Trust CompanyHeartland Bank and Trust Company99 N Elm St, Western Springs, IL, 62711A+5.0 ★Texas Ratio: 1.53%'s Visa Business Rewards Credit Card has an APR of 1.99%, Heartland Bank and Trust CompanyHeartland Bank and Trust Company99 N Elm St, Western Springs, IL, 62711A+5.0 ★Texas Ratio: 1.53%'s Visa Platinum Rewards has an APR of 1.99%, Heartland Bank and Trust CompanyHeartland Bank and Trust Company99 N Elm St, Western Springs, IL, 62711A+5.0 ★Texas Ratio: 1.53%'s Visa Signature Rewards 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: 2.09%'s Platinum Rewards Mastercard has an APR of 1.99%, and CACL Federal Credit UnionCACL Federal Credit Union757 S Route 183, Schuylkill Haven, PA, 17972 9389A5.0 ★Texas Ratio: 6.30%'s Carbon Rewards Credit Card has an APR of 1.99%. Rates as of March 25, 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: March 25, 2026
Compare Cash Back Credit Cards Nationwide
Intro rate expires: 6 months; Regular APR: 17.74%
Intro rate expires: 6 Months; Regular APR: 11.74-21.74%.
Intro rate expires: 6 Months; Regular APR: 11.74-21.74%.
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
Intro rate expires: 12 months; $50 if you spend $1500 or more within the first 90 days of opening their card.; Regular APR: As Low As; 14.25%
Intro rate expires: 6 billing cycles; Regular APR: 13.74% - 17.99%
Intro rate expires: 6 billing cycles; Regular APR: 13.74% - 17.99%
Intro rate expires: 6 billing cycles; Regular APR: 14.74% - 17.99%
Intro rate expires: 12 months; Regular APR: 13.75% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Intro rate expires: 12 billing cycles; Regular APR: Please review your card agreement and welcome letter for complete APR details.
Intro rate expires: 12 months; Regular APR: 18.00%-18.00%
Intro rate expires: 12 months; Regular APR: 14.74% - 23.25%
Intro rate expires: 12 months; Regular APR: 14.24% - 22.75%
Intro rate expires: 12 months; Regular APR: 14.24% APR - 24.24%
Intro rate expires: 12 months; Regular APR: 12.24% APR - 20.24%
Intro rate expires: 6 months; Regular APR: 13.49%
Intro rate expires: Promo APR**; Regular APR: 13.49%
Intro rate expires: 6 months; Regular APR: 15.24% - 17.25%
Intro rate expires: 12 months; Regular APR: N/A; $50 bonus when $500 is spent within the first 3 months; No Balance Transfer Fee; 1.5% Cash Back on all purchases; No Annual Fee
Intro rate expires: 12 months; Regular APR: N/A; 10,000 point bonus when $750 is spent in first 3 months; No Balance Transfer Fee; 1.5 Points per $1 spent. Points are redeemable for Merchandise, Cash, and Travel; Access to VISA Concierge and VISA Signature Benefits; Use CUrewards.com to redeem points; $49 Annual Fee
Intro rate expires: 18 billing cycles; Regular APR: Your VISA card standard variable APR is based on Prime Rate plus a margin which is determined by your credit worthiness.
No additional details provided.
No additional details provided.
Intro rate expires: 6 months; Regular APR: Prime + 11.99%, Rate Cap 21%
Intro rate expires: 6 months; Regular APR: prime + 11.99%, rate cap 21%
As Low As; Intro rate expires: 6 months
Intro rate expires: 12 months; Regular APR: 18.000%
Intro rate expires: 12 Months; Regular APR: 11.45% - 17.95%
Intro rate expires: 12 months; Regular APR: 11.45% - 17.95%
Intro rate expires: 6 billing cycles; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: Varies with the market based on the Prime Rate up to 17.89%
Intro rate expires: 12 months; Regular APR: Up to 17.89%
Intro rate expires: 12 months; Regular APR: Interest rates are based on your credit.
As Low As; Intro rate expires: 6 months; Regular APR: 13.25% - 18.00%; Get $200 Cash Back1 when you open a new EdFed Rewards Visa Credit Card and make $2,000 in purchases within 90 days of card issuance
Intro rate expires: Six Months; Regular APR: 9.90% - 12.90%; No Balance Transfer Fees; Earn Points and Cash with the ScroreCard Rewards Program; No Annual Fee; Credit Building Student Visa Credit Cards Available! (see us for details)
Intro rate expires: 12 billing cycles; Regular APR: 14.96%
Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%
Intro rate expires: 6 months; Regular APR: 12.40%
Intro rate expires: First 6 Billing Cycles for Balance Transfers on NEW cards; Regular APR: 9.99%-18.00% variable
Balance Transfer
Intro rate expires: 6 billing cycles; Regular APR: 10.90% - 16.90%
Intro rate expires: 6 months; Regular APR: 12.40%-18.00%
Intro rate expires: 12 months
Intro rate expires: 6 months; Regular APR: 13.50% - 24.00%
Intro rate expires: 6 months; Regular APR: 13.50% - 24.00%
Intro rate expires: 12 month; Regular APR: 11.40%
Intro rate expires: 12 months; Regular APR: 13.49%; $100 Cash Back Bonus
Intro rate expires: 12 months; Regular APR: 10.9% - 17.9%
Intro rate expires: Low 2.99% APR* Introductory Rate; Regular APR: 12.92%*
Intro rate expires: 9 months; Regular APR: As low as 13.75%
Intro rate expires: 12 months; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
Introductory Balance Transfer Rate; Regular APR: 8.90% - 13.75%
Intro rate expires: 12 months; Regular APR: 10.9%
Intro rate expires: 16 months; Regular APR: 10.90% - 17.90%; Low Balance Transfer Fee of 3.6% per Transfer; No Annual Fee; Introductory rate applies to Balance Transfers only
As Low As; Regular APR: 10.90%
Intro rate expires: 6 months; Regular APR: 12.20% - 25.00%
Intro rate expires: 6 billing cycles; Regular APR: 14.90%
Intro rate expires: 6 billing cycles; Regular APR: 12.90% to 17.50%
Intro rate expires: 12 months; Regular APR: 13.15% to 17.99% Variable APR
Intro rate expires: 12 months; Regular APR: Index plus a margin of 7.00 percentage points and rounded to the nearest hundredth divisible by twelve
Intro rate expires: 6 statement closing dates; Regular APR: 12.99%
Intro rate expires: 12 billing cycles; Regular APR: 15.65% - 18.00%
Intro rate expires: 12 billing cycles; Regular APR: 16.65% - 18.00%
Intro rate expires: 12 months; Regular APR: 12.65% APR (VAR) on purchases
Intro rate expires: See credit card disclosure for rate and offer information.; Regular APR: null
Regular APR: Rates depend on individual creditworthiness and are subject to change without notice.
Intro rate expires: 12 billing cycles; Regular APR: 14.75% to 18.00%
Intro rate expires: 12 months; Regular APR: 15.74% to 22.74%
Intro rate expires: 6 months; Regular APR: 11.99%; As Low As; $50 cash bonus when $3,000 purchased in first 90 days
Intro rate expires: 6 months; Regular APR: 9.99%; As Low As; 5,000 point reward when $3,000 purchased in first 90 days
Intro rate expires: First 6 Months; Regular APR: 12.75%
Intro rate expires: 6 months; Regular APR: 12.50% - 23.00%
Intro rate expires: 12 billing cycles; Regular APR: 14.50% - 22.50%
Intro rate expires: 365 days; Regular APR: 10.74%-22.24%
Intro rate expires: 6 months; Regular APR: 9.90% - 18.00%
Intro rate expires: 6 months; Regular APR: 9.90% - 18.00%
Intro rate expires: 12-months; Regular APR: As Low As; 13.49%
Intro rate expires: 12 months; Regular APR: As Low As; 12.49%
Intro rate expires: Promo APR**; Regular APR: 15.49%
Intro rate expires: 6 months; Regular APR: 13.49% - 18.00%; PLUS 5,000 Bonus Points when you open a new card!
Intro rate expires: 6 months; 5000 bonus points when you open a new card!; Regular APR: As Low As; 13.49%
Intro rate expires: 12 months; Regular APR: 13.40% - 18%
Intro rate expires: 18 months; Regular APR: As Low As; 11.90% - 14.90%
Intro rate expires: six months from account opening; Regular APR: As Low As; Variable Rates as low as 12.24% APR (7.9% fixed APR* if shared secured)
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 6 months; Regular APR: 15.49% - 36.00%
Intro rate expires: first 6 cycles after card opening; Regular APR: 14.50% - 16.50%
Intro rate expires: 6 cycles after card opening; Regular APR: 12.50% - 16.50%
Intro rate expires: 6 cycles; Regular APR: 12.50% - 16.50%
Intro rate expires: 6 cycles after card opening; Regular APR: 14.50% - 16.50%
Intro rate expires: 6 Months; Regular APR: As low as 10.99%; Intro rate expires: 18 Months; Regular APR: As low as 10.99%; Earn 10,000 Bonus Points when you spend $2,500 on purchases in the first 3 months.
Intro rate expires: 6 Months; Regular APR: As low as 10.99%; Intro rate expires: 18 Months; Regular APR: As low as 10.99%; Earn 25,000 Bonus Points when you spend $5,000 on purchases in the first 3 months.
Intro rate expires: 12 months; Regular APR: 9.90% or 11.90%; No Balance Transfer Fee; No Annual Fee; Introductory rate applies to Purchases and Balance Transfers
As Low As; Balance transfers as low as 5.90% APR*
Intro rate expires: 6 months; Regular APR: 9.90% - 16.90%
Intro rate expires: Promo APR**; Regular APR: 17.49%
No additional details provided.
No additional details provided.
As Low As; Offer valid through March 31, 2026.
As Low As; Intro rate expires: March 31, 2026; Regular APR: N/A
As Low As; Offer valid through March 31, 2026.
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
- Heartland Bank and Trust Company: 1.99% APR (Visa Business Rewards Credit Card)
- Heartland Bank and Trust Company: 1.99% APR (Visa Platinum Rewards)
- Heartland Bank and Trust Company: 1.99% APR (Visa Signature Rewards)
- Gain Federal Credit Union: 1.99% APR (Platinum Rewards Mastercard)
- CACL Federal Credit Union: 1.99% APR (Carbon Rewards Credit Card)
More Credit Card Options
