[[{"@type":["BlogPosting"],"@id":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#BlogPosting","@context":{"@vocab":"http:\/\/schema.org\/","kg":"http:\/\/g.co\/kg"},"url":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/","publisher":[{"@id":"https:\/\/www.rakuten.com#Organization1"}],"dateModified":"2026-05-06T15:58:38+00:00","description":"Save smarter with Rakuten\u2019s guide to banks and credit unions that offer Cash Back. Unlock free accounts and deals to boost rewards.","hasPart":[{"@type":"HowTo","@id":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#BlogPosting_hasPart_HowTo","step":[{"@type":"HowToStep","@id":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#0_BlogPosting_hasPart_HowTo_step_HowToStep","text":"<p><span style=\"font-weight: 400;\">Some banks reward only \u201csignature-based\u201d transactions. If you enter your PIN at the grocery store checkout, you may forfeit your rewards for that purchase. Always tell the cashier you want to run the card as credit.<\/span><\/p><p><span style=\"font-weight: 400;\">The banks we highlighted generally avoid monthly maintenance fees, but some institutions charge you if your account sits completely dormant for several months. Keep the account active with a small, recurring transaction, such as a monthly streaming subscription, to keep your account in good standing.<\/span><\/p><p><span style=\"font-weight: 400;\">Many banks offer sign-up bonuses to attract new customers. By checking the Rakuten Banking and Finance page, you can find active Cash Back offers for partners such as SoFi, Axos Bank and more. You typically need to open the account through the Rakuten link and meet specific funding or direct deposit requirements to earn the bonus.<\/span><\/p><p><span style=\"font-weight: 400;\">The best bank for you will depend on your financial habits. If you want a high APY on your savings and a massive sign-up bonus, SoFi and Axos Bank are incredibly competitive.<\/span><\/p><p><span style=\"font-weight: 400;\">The Discover Cashback debit card is widely considered one of the best in the industry because it does not require you to jump through hoops to earn your rewards, and the account comes with no monthly fees.<\/span><\/p><p><span style=\"font-weight: 400;\">Yes. Legitimate online banks are FDIC-insured just like traditional brick-and-mortar banks, which means your deposits are protected up to $250,000 per depositor, per ownership category. All the partners listed on Rakuten\u2019s banking page are fully vetted, secure financial institutions.<\/span><\/p><p class=\"author_description\">From the latest tech to the hottest fashions and everything in between, the editors at The Smart Shopper are in the know and ready share their expertise. Check out our posts on shopping secrets and product trends for those who live for a little retail therapy.<\/p><p class=\"nocomments\">Comments are closed.<\/p>","name":"PIN transactions&nbsp;","image":[{"@type":"ImageObject","@id":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#0_BlogPosting_hasPart_HowTo_step_HowToStep_image_ImageObject","url":"https:\/\/www.rakuten.com\/blog\/wp-content\/uploads\/2019\/07\/rakuten-logo.jpg"}]}]}],"name":"How to Find the Best Budget-Friendly Banks That Offer Cash Back","author":[{"@type":"Person","@id":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#BlogPosting_author_Person","image":[{"@type":"ImageObject","@id":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#BlogPosting_author_Person_image_ImageObject","url":"https:\/\/www.rakuten.com\/blog\/wp-content\/uploads\/2019\/07\/rakuten-logo.jpg"}],"name":"The Smart Shopper Editors","url":"https:\/\/www.rakuten.com\/blog\/author\/ebatessocial\/","description":"From the latest tech to the hottest fashions and everything in between, the editors at The Smart Shopper are in the know and ready share their expertise. Check out our posts on shopping secrets and product trends for those who live for a little retail therapy."}],"image":[{"@type":"ImageObject","@id":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#BlogPosting_image_ImageObject","url":"https:\/\/www.rakuten.com\/blog\/wp-content\/uploads\/2026\/05\/banking-finance-cashback-deals.jpg","height":"628","width":"1200"}],"headline":"How to Find the Best Budget-Friendly Banks That Offer Cash Back","mainEntityOfPage":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/","datePublished":"2026-05-06T14:57:00+00:00","mentions":[{"name":"Rakuten","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Organization_rakuten_8c69147e7c1ec00ac8186edfcdd9961a33c305e504567e37e91c891ade12bafd","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":["http:\/\/g.co\/kg\/m\/0464vx","http:\/\/www.wikidata.org\/entity\/Q973054","https:\/\/en.wikipedia.org\/wiki\/Rakuten"]},{"name":"SoFi Technologies","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Organization_sofitechnologies_8b238d1d323c9997d0d26b0177d2844804220f563e05f2b63c9e78b1ccb57ce1","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":["http:\/\/g.co\/kg\/m\/0z89d4p","http:\/\/www.wikidata.org\/entity\/Q17020720","https:\/\/en.wikipedia.org\/wiki\/SoFi"]},{"name":"Axos Financial","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Organization_axosfinancial_627353c71ce48a65d68e631cf01bd00250ee4e931c71ce29d137525ac75389d4","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":["http:\/\/g.co\/kg\/m\/03p1nqc","http:\/\/www.wikidata.org\/entity\/Q4937270","https:\/\/en.wikipedia.org\/wiki\/Axos_Financial"]},{"name":"Federal Deposit Insurance Corporation (FDIC)","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Organization_federaldepositinsurancecorporation%2528fdic%2529_e0712abcfb6471a86e10caebea50a5aa24d830d2b8de74665235c8ed69e985c3","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":["http:\/\/g.co\/kg\/m\/015wpt","http:\/\/www.wikidata.org\/entity\/Q1345065","https:\/\/en.wikipedia.org\/wiki\/Federal_Deposit_Insurance_Corporation"]},{"name":"clothing","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Thing_clothing_ca080bc7739316469341ce853bae7e6a1ceb2bfb742a1c93652a792de2517f33","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":"http:\/\/www.wikidata.org\/entity\/Q11460"},{"name":"personal identification number","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Thing_personalidentificationnumber_464f64aa4906c9792d2606e469e7b72a9e58b26b1ae39fed11e0a322a79019cd","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":"http:\/\/www.wikidata.org\/entity\/Q674050"},{"name":"Allpoint","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Organization_allpoint_752e84b8c7c3595d50a3e5aadcb350dbafdd036145c30e14d0f3e5d696ea9679","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":"http:\/\/www.crunchbase.com\/organization\/all-point"},{"name":"automated teller machine","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Thing_automatedtellermachine_5bcb4bbb5f150eed80644c05bc653e61cb60dcde383fb5f6f8ed001f004e4751","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":["http:\/\/g.co\/kg\/m\/0cldt","http:\/\/www.wikidata.org\/entity\/Q81235","https:\/\/en.wikipedia.org\/wiki\/Automated_teller_machine"]},{"name":"bank account","@id":"https:\/\/entity.schemaapp.com\/Ebates\/RakutenBlog\/Thing_bankaccount_fb596db4e99f30c84a42108e0c490e638ab8308642c9e6945665a58544370b4a","@type":"Thing","@context":{"@vocab":"http:\/\/schema.org\/"},"sameAs":["http:\/\/g.co\/kg\/m\/01k3kn","http:\/\/www.wikidata.org\/entity\/Q676459","https:\/\/en.wikipedia.org\/wiki\/Bank_account"]}]},{"@context":"http:\/\/schema.org","@type":"Organization","sameAs":["https:\/\/www.linkedin.com\/company\/rakutenrewards","https:\/\/youtube.com\/c\/Rakutenchannel","https:\/\/en.wikipedia.org\/wiki\/Rakuten_Rewards","https:\/\/twitter.com\/Rakuten","https:\/\/g.co\/kgs\/bTttHkr","https:\/\/www.facebook.com\/rakuten\/","https:\/\/www.instagram.com\/rakuten\/","https:\/\/www.pinterest.com\/rakuten\/"],"slogan":"Shop. 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Sign up today to shop over 3,500 stores using coupons, promo codes or cash back with Rakuten!","image":"https:\/\/static.rakuten.com\/img\/campaign\/9244\/221024-55570-opengraph-q4-facebook-1200x628-v5.png","name":"Rakuten Rewards","@id":"https:\/\/www.rakuten.com#Organization1"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.rakuten.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"How to Find the Best Budget-Friendly Banks That Offer Cash Back","item":"https:\/\/www.rakuten.com\/blog\/how-to-find-the-best-budget-friendly-banks-that-offer-cash-back\/#breadcrumbitem"}]}]