Best Cash Back Credit Cards — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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Cash back credit card rates range from 6.00% to 9.00% APR, verified by MonitorBankRates as of October 15, 2026. Top cash back credit cards currently available include: Tonawanda Valley Federal Credit UnionTonawanda Valley Federal Credit Union10 Jefferson Square Ave, Batavia, NY, 14020A+5.0 ★Texas Ratio: 0.86%'s Rewards VISA Signature has an APR of 6.00%, Hampton Roads Educator's Credit Union IncHampton Roads Educator's Credit Union Inc2130 Cunningham Dr, Hampton, VA, 23666A+5.0 ★Texas Ratio: 4.06%'s VISA Platinum Rewards Card has an APR of 6.90%, Maui County Federal Credit UnionMaui County Federal Credit Union69 N Market St, Wailuku, HI, 96793 1719A5.0 ★Texas Ratio: 6.63%'s Visa Platinum, Platinum Cash Rewards and Secured has an APR of 7.00%, North Country Federal Credit UnionNorth Country Federal Credit Union854 Center Street, S Burlington, VT, 12958A5.0 ★Texas Ratio: 8.36%'s Platinum with Rewards Credit Card has an APR of 7.45%, and SRP Federal Credit UnionSRP Federal Credit Union750 E Pine Log Rd, Williston, SC, 30909A+5.0 ★Texas Ratio: 3.44%'s Visa Rewards Credit Card has an APR of 7.75%. Rates as of October 15, 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: October 15, 2026
Compare Cash Back Credit Cards Nationwide
No additional details provided.
No additional details provided.
Published APR range: 7.0% to 17.5%. Type: Revolving; No annual fee; APR is based on creditworthiness
As Low As; Credit card. APRs stated are 'as low as'; actual APR determined by credit qualifications
As low as regular APR; intro 1.99% APR for 12 months
$15,000.00 and under; Rates are quoted at APR; Rate is based on individual credit score
As Low As; Rewards Card: No Rewards
Published APR range: 7.90% - 16.90%. determined by credit worthiness
APR*=Annual Percentage Rate. Rate based on creditworthiness and term of loan.
As Low As; APR as low as
As Low As; Rates effective 10/1/26
As Low As; Rate disclosed is quoted for A+ credit
As Low As; Credit card; Homepage rates promo card
APR range: 8.75% - 12.75%; credit card APR based on credit qualification; overall Visa APR range 7.75% to 13.75%
APR range 8.90% to 15.50% for purchases, balance transfers and cash advances; Annual fee $0.00
As Low As; Rewards Card: With Rewards
APR range 8.90% - 17.90%* based on credit worthiness; applies to Non-Variable APR for Purchases, Balance Advances and Cash Advances; Penalty APR 17.9%
- Sep 17, 20268.90%▼ from 17.90%
- Sep 14, 202617.90%first recorded
As Low As; APR is determined by credit history; rates for a Visa Platinum Rewards Credit Card are 8.90% APR to 17.90% APR
Credit card; Regular APR: 8.90%; Credit Line Account Agreement and Federal Disclosure Statement
Credit Card Starting Rates; APR*; Rates subject to change. Not everyone will qualify for the lowest rate. Reward-based lending applies.
Intro APR 8.90% for six months; regular purchase APR 13.24% - 18.00% (15.24% - 18.00% is the balance transfer/cash advance APR)
- Oct 14, 20268.90%▼ from 13.24%
- Oct 10, 202613.24%first recorded
Published APR range: 8.90% to 17.90%. APR for Purchases, Cash Advances and Balance Transfers; APR is based on your creditworthiness at the time of account opening
As Low As; APR*** as low as 8.99%; Rates subject to credit approval
As Low As; Rates based upon credit qualifications; listed under Options for Students & Young Adults on Youth & Teen Accounts page
- Oct 9, 20268.99%▼ from 19.99%
- Oct 5, 202619.99%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As Low As; APR* as low as; Features: Non-Rewards
As Low As; NCACU Visa Card; low fixed rate; usable anywhere Visa is accepted
Range: 8.99% to 19.99% APR
Interest subject to credit eligibility; UChoose Rewards earned on purchases
Credit Card Rates; APR*
As Low As; Regular APR as low as 9.00%; Fixed Rates. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances. See VISA Disclosures and Card Holder Agreement for details.
Cash Back Credit Card APR Trend
Daily national average APR compiled from 316 banks & credit unions — updated daily.
APRs fell 0.095 pts to 13.76%, down from 13.86% last week.
Averages from 414 APR quotes across 316 institutions • As of Oct 15, 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
- Tonawanda Valley Federal Credit Union: 6.00% APR (Rewards VISA Signature)
- Hampton Roads Educator's Credit Union Inc: 6.90% APR (VISA Platinum Rewards Card)
- Maui County Federal Credit Union: 7.00% APR (Visa Platinum, Platinum Cash Rewards and Secured)
- North Country Federal Credit Union: 7.45% APR (Platinum with Rewards Credit Card)
- SRP Federal Credit Union: 7.75% APR (Visa Rewards Credit Card)
More Credit Card Options
