Earn cash back
on every purchase
Put money back in your pocket with every swipe. Najem Financial Cash Back Cards reward your everyday spending — from groceries and gas to online shopping and dining out. No points to track, no complicated redemptions.
Our top cash back card picks
Two powerhouse cards built to maximize what you earn on everyday spending. Pick the one that fits your lifestyle.
| Feature | Mastercard Cash Rewards | Discover Cashback |
|---|---|---|
| Annual Fee | $0 | $0 |
| Top Cash Back Rate | 5% on groceries | 5% rotating categories |
| Base Cash Back | 1.5% everywhere | 1% everywhere |
| Welcome Offer | $200 after $500 spend | Cashback match — year 1 |
| Intro APR | 0% for 15 months | None |
| Cashback Expiry | Never expires | Never expires |
| Foreign Transaction Fee | 3% | None |
Every category,
maximized
The Najem Financial Cash Rewards card automatically applies the highest available rate to your purchases. No activation required, no quarterly enrollment — just earn more without thinking about it.
How cash back works
We've stripped away every complexity. Here's exactly how you earn and redeem your cash back.
Everything included,
nothing extra
Your Najem Financial Cash Back card comes packed with protections and perks at no additional cost.
Your questions, answered
Everything you need to know about earning and using cash back.
Cash back is calculated on each transaction and posted to your rewards balance within 1–2 billing cycles. You can see pending rewards in the Najem Financial app immediately after a purchase. If a transaction is reversed or disputed, the associated cash back will be removed from your balance.
For the Mastercard Cash Rewards card, the 5% and 3% rates apply on up to $2,500 in combined quarterly purchases in the applicable categories. After that, 1.5% applies. The 1.5% base rate on all other purchases has no cap — earn unlimited cash back with no maximum limit.
No. Your cash back rewards never expire as long as your account remains open and in good standing. There is no deadline to redeem. If you close your account, any unredeemed cash back will be forfeited, so we recommend redeeming before closing your card.
Absolutely. Najem Financial Preferred Rewards members receive a 25%–75% bonus on all base cash back earned. This means if you're earning 1.5% and you're a Diamond Honors member, you'll effectively earn 2.625% on everyday purchases. Bonuses stack on top of all category rates.
Ready to earn on
every purchase?
Apply in under 5 minutes. Get an instant decision and start earning cash back from your very first swipe. No annual fee. No surprises.
Subject to credit approval. Rates, fees, and terms subject to change. See Card Agreement for details. Najem Financial is an FDIC member institution. Mastercard is a registered trademark of Mastercard International.