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Top 10 Cashback Credit Cards

Cashback credit cards are a type of credit card that rewards users by returning a small percentage of the money they spend on purchases. This cash back can typically be applied as a statement credit, deposited directly into a bank account, or used for other rewards like gift cards or travel credits.

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These cards often come with various earning rates depending on the spending category, such as groceries, gas, dining, or online shopping. Some cashback credit cards offer flat-rate rewards, where you earn the same percentage on every purchase, while others have tiered or rotating categories that provide higher cashback rates for specific types of spending. It's important to consider the annual fee, if any, and the card's terms and conditions to maximize the benefits. Additionally, some cards offer introductory bonuses, which can provide a significant amount of cashback if you meet a spending threshold within the first few months. Responsible usage and timely payments are crucial to avoid interest charges that can negate the benefits of the cashback rewards.

  • Chase Freedom Unlimited
    Chase Freedom Unlimited

    Chase Freedom Unlimited - Cash back card with no annual fee.

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  • Citi Double Cash Card
    Citi Double Cash Card

    Citi Double Cash Card - 2% cash back on all purchases; no annual fee.

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  • Blue Cash Preferred Card from American Express
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred Card from American Express - High cashback on groceries, gas, and streaming services.

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  • Discover it Cash Back
    Discover it Cash Back

    Discover it Cash Back - Credit card offering rotating 5% cash back categories.

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  • Capital One Quicksilver Cash Rewards Credit Card
    Capital One Quicksilver Cash Rewards Credit Card

    Capital One Quicksilver Cash Rewards Credit Card - Unlimited 1.5% cash back, no annual fee.

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  • Wells Fargo Active Cash Card
    Wells Fargo Active Cash Card

    Wells Fargo Active Cash Card - Flat 2% cash back, no annual fee.

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  • American Express Cash Magnet Card
    American Express Cash Magnet Card

    American Express Cash Magnet Card - Unlimited cashback with no annual fee.

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  • U.S. Bank Cash+ Visa Signature Card
    U.S. Bank Cash+ Visa Signature Card

    U.S. Bank Cash+ Visa Signature Card - Customizable cashback with no annual fee.

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  • Bank of America Customized Cash Rewards Credit Card
    Bank of America Customized Cash Rewards Credit Card

    Bank of America Customized Cash Rewards Credit Card - Flexible cashback categories with no annual fee.

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Top 10 Cashback Credit Cards

1.

Chase Freedom Unlimited

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The Chase Freedom Unlimited® is a popular cash-back credit card offering 1.5% cash back on all purchases, with no annual fee. It also provides 5% cash back on travel booked through Chase Ultimate Rewards®, 3% on dining and drugstore purchases, and 1.5% on all other purchases. New cardholders can benefit from a generous introductory offer, including a 0% APR on purchases and balance transfers for the first 15 months. It’s ideal for those seeking versatile rewards and simplicity.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cash back
  • pros Intro APR offer
  • pros Travel and dining rewards
  • pros Purchase protection.

Cons

  • cons Foreign transaction fee
  • cons Requires good credit
  • cons Higher APR after intro
  • cons Limited bonus categories
  • cons No direct airport lounge access.
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2.

Citi Double Cash Card

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The Citi Double Cash Card is a versatile credit card offering up to 2% cash back on all purchases—1% when you buy and an additional 1% when you pay. It has no annual fee and features an introductory APR on balance transfers. Ideal for those seeking straightforward rewards and value, it also includes benefits like purchase protection and access to Citi Entertainment. Note that it requires good to excellent credit for approval.

Pros

  • pros 2% cash back
  • pros no annual fee
  • pros easy redemption
  • pros 0% intro APR
  • pros worldwide acceptance.

Cons

  • consForeign transaction fee
  • cons no sign-up bonus
  • cons limited benefits
  • cons no travel rewards
  • cons high balance transfer fee.
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3.

Blue Cash Preferred Card from American Express

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The Blue Cash Preferred® Card from American Express is a rewards credit card ideal for families and everyday spending. It offers an impressive 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 6% on select U.S. streaming services, 3% at U.S. gas stations and on transit, and 1% on other purchases. The card features a welcome bonus and a $0 intro annual fee for the first year, then $95. Terms apply.

Pros

  • pros High cashback on groceries
  • pros Cashback on streaming services
  • pros Good welcome bonus
  • pros Cashback on transit
  • pros No foreign transaction fees.

Cons

  • consAnnual fee
  • cons Cashback categories capped
  • cons Limited acceptance abroad
  • cons Requires good credit
  • cons No travel rewards.
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4.

Discover it Cash Back

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The Discover it® Cash Back is a popular credit card offering 5% cash back on rotating quarterly categories, such as groceries, gas, or dining, up to a quarterly maximum, after activation. All other purchases earn 1% cash back. It features no annual fee, a dollar-for-dollar match of all cash back earned in the first year, and includes benefits like free access to your FICO® credit score. The card is ideal for users seeking to maximize rewards through strategic spending.

Pros

  • pros 5% cash back on rotating categories
  • pros No annual fee
  • pros Cashback match for the first year
  • pros Free FICO credit score
  • pros No foreign transaction fees.

Cons

  • cons Spending caps on bonus categories
  • cons Rotating categories require activation
  • cons Limited international acceptance
  • cons High APR after introductory period
  • cons No travel rewards.
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5.

Capital One Quicksilver Cash Rewards Credit Card

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The Capital One Quicksilver Cash Rewards Credit Card offers a straightforward rewards structure with 1.5% cash back on every purchase, every day. There's no annual fee, and new cardholders can benefit from an introductory 0% APR on purchases and balance transfers for the first 15 months. Additionally, there's a one-time $200 cash bonus after spending $500 within the first three months. It’s ideal for those seeking simplicity and consistent rewards.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cash back
  • pros No foreign transaction fees
  • pros Easy redemption
  • pros Intro APR on purchases.

Cons

  • consHigher APR after intro period
  • cons No bonus categories
  • cons Limited travel perks
  • cons Requires good credit
  • cons No premium benefits.
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6.

Wells Fargo Active Cash Card

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The Wells Fargo Active Cash Card offers a straightforward and rewarding cash back experience with 2% unlimited cash rewards on purchases. It features no annual fee, a 0% introductory APR for 15 months on purchases and qualifying balance transfers, and convenient contactless payment options. Additionally, new cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months. Ideal for those seeking simplicity and generous everyday rewards.

Pros

  • pros 2% cash back
  • pros no annual fee
  • pros $200 sign-up bonus
  • pros 0% intro APR
  • pros Visa benefits.

Cons

  • consForeign transaction fees
  • cons high regular APR
  • cons limited redemption options
  • cons no bonus categories
  • cons strict approval requirements.
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7.

American Express Cash Magnet Card

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The American Express Cash Magnet® Card offers a straightforward 1.5% cash back on all purchases, with no annual fee. Ideal for those seeking simplicity, it features a 0% introductory APR on purchases for the first 15 months, followed by a variable APR. Cardholders can also benefit from Amex-exclusive perks like purchase protection, extended warranty, and access to entertainment events. It's a solid choice for everyday spending and effortless rewards.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cash back
  • pros Intro APR on purchases
  • pros Contactless payment
  • pros Access to Amex Offers.

Cons

  • consForeign transaction fee
  • cons Requires good credit
  • cons Limited rewards structure
  • cons No bonus categories
  • cons Limited acceptance abroad.
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8.

U.S. Bank Cash+ Visa Signature Card

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The U.S. Bank Cash+ Visa Signature Card is a versatile cash-back credit card offering customizable rewards. Cardholders can earn 5% cash back on two categories of their choice, 2% on one everyday category like groceries or gas, and 1% on all other purchases. It features no annual fee and provides additional benefits such as Visa Signature perks, including travel and purchase protections. Ideal for those seeking flexibility in earning rewards tailored to their spending habits.

Pros

  • pros Customizable rewards
  • pros No annual fee
  • pros Generous cashback categories
  • pros Intro APR on purchases
  • pros Visa Signature benefits.

Cons

  • consLimited redemption options
  • cons Requires good to excellent credit
  • cons Foreign transaction fees
  • cons Quarterly category selection
  • cons $25 minimum redemption.
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9.

Bank of America Customized Cash Rewards Credit Card

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The Bank of America Customized Cash Rewards Credit Card offers versatile cash back options, allowing users to choose a 3% cash back category from options such as gas, online shopping, dining, and more, with 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter). All other purchases earn 1% cash back. It features no annual fee, and cardholders can enhance rewards through Bank of America's Preferred Rewards program.

Pros

  • pros 3% cash back in chosen category
  • pros 2% on groceries
  • pros no annual fee
  • pros flexible reward categories
  • pros online banking tools.

Cons

  • cons 3% foreign transaction fee
  • cons limited bonus categories
  • cons cash back cap on higher rewards
  • cons high APR
  • cons requires good credit.
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