The Best Cash Back Credit Cards of 2014

Some savvy consumers only use credit cards to enjoy the cash back. No need for travel rewards or other perks. They just want a percentage back on their purchases. And they want this percentage back to come in the form of a cash back check whenever they want. It wasn’t long ago that the best cash back credit cards were going unused. Now, many consumers are playing the cash back game.

I cash in at least $200 annually in rewards from cash back credit cards and I never pay a dime in credit card interest. So how do you find the best cash back card? Well, it really depends on a few factors: how you earn the points, access and thresholds, as well as any fees or interest charges that might negate the use of the card.  In the below list of cash back credit cards, I’ve tried my best to consider all the factors above and give you a thorough review of each of the cards.

PT’s Pick for Best Cash Back Card

Citi Dividend Platinum Select Visa CardCiti® Dividend Platinum Select® Visa® Card – If you need a nice cash back rewards card coupled with one of the best balance transfer offer on the market, then this is your card. The Citi Dividend Platinum Select Visa Card has a 0% Intro APR on Balance Transfers and purchases for 12 months AND $100 cash after making $500 in purchases during the first three months. After that, the APR will be 12.99%-22.99% Variable based on your creditworthiness*. Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot, home furnishing and home and garden stores from 4/1/14 through 6/30/14 enrollment each quarter is quick and easy. Earn 1% cash back on all other purchases. The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer.  See Citi Dividend Card Reward Program Information. No Annual Fee*.

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Last Edited: March 27, 2014 @ 8:02 am
About Philip Taylor

Philip Taylor, aka "PT", is a husband and father of two. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.


Sorry, but your information on PenFed Visa is not correct. As a user of this card, I know they have just changed their rewards policy... again. It used to be 5% on gas (before that it was 5% on travel), 2% on supermarkets, and 1% (was 1.25% before that) on everything else. Now it is 5% on gas and 0.25% on everything else, starting 2/1/2012. In fact, I found this page because I am going to change cards.

Philip Taylor
Philip Taylor moderator

Thanks. We'll be sure to update our info above with the new %s and make the changes as they come into effect in Feb.

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