Rewards are unlimited and cash back is automatically credited to your account every month
No tiers, caps or limits to the amount of cash back you can earn
As low as 9.24% APR on purchases and cash advances
Rates, fees & offers
3% Cash Back on Gas Purchases at the Pump
Transfer: 0% for 12 mos
Min APR: 9.24%, Variable
Max APR: 17.99%, Variable
Penalty APR: Up to 17.99%, Variable
Cash Advance APR: 21.99%, Variable
Balance transfer fee
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
By Tim Chen
Editor's overall rating
Pros and cons
Bonus cash back categories
Intro APR period on Balance Transfers
No foreign transaction fee
Has annual fee
Needs excellent credit
Still one of the best rewards cards.
Platinum Cashback remains one of the best cash rewards cards out there for people with excellent credit.
5% on gas, no annual fee.
You can earn up to 5% on gas purchases paid at the pump and avoid an annual fee by obtaining a qualifying PenFed product.
The only catch is that you have to join the PenFed credit union. This is easy if you are affiliated with the military, Red Cross, or one of many other organizations. However, anyone can join the credit union by donating $20 to NMFA or volunteering for the Red Cross.
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