Best Cash Back
Earn cash rewards on everyday purchases. Here are our top picks for 2025.
OUR TOP PICK
Apple
Apple Card
ANNUAL FEE
$0
APR
18.24%–28.49% variable
WELCOME BONUS
None
REWARDS
3% on Apple/select merchants, 2% on Apple Pay, 1% on physical card
WHY WE LOVE IT
- ✓**Daily Cash deposited daily**, not monthly—access rewards immediately
- ✓**Absolutely no fees** of any kind (annual, foreign transaction, late, over-limit)
- ✓3% Daily Cash on Apple purchases and growing list of merchants
- ✓2% on all Apple Pay purchases worldwide
- ✓Seamless integration with Apple Wallet and iPhone
- ✓Beautiful titanium physical card with enhanced privacy (no visible numbers)
- ✓0% financing on Apple product purchases (up to 24 months)
- ✓Enhanced privacy—Apple doesn't track or sell your data
- ✓Real-time spending insights and intelligent payment suggestions
- ✓Apple Savings Account integration with 4.50% APY
- ✓No penalty APR for late payments
- ✓Extended warranty and purchase protection included
MORE GREAT OPTIONS
Barclays
Barclays AARP Essential Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:$100 cash back after $500...
REWARDS
3% gas/drug stores, 2% medical, 1% everywhere else
Barclays
Barclays AARP Travel Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:$100 cash back after $500...
REWARDS
3% on travel, 2% on dining, 1% everywhere else
Barclays
Barclays Athleta Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:Automatic Enthusiast status + up...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Banana Republic Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:25% off first purchase +...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Gap Good Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:20% off first purchase +...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Navyist Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:30% off first purchase +...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Upromise Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:$300 cash back rewards (limited-time...
REWARDS
1.529% (linked to 529) or 1.25% (unlinked) on all purchases
Capital One
Capital One Quicksilver Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$300 welcome bonus ($100 Capital...
REWARDS
1.5% unlimited cash back, 5% on hotels/rentals through Capital One Travel
Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
Annual Fee:$39
Welcome Bonus:No welcome bonus...
REWARDS
1.5% unlimited cash back on every purchase
Capital One
Capital One Savor Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$300 welcome bonus...
REWARDS
3% dining/entertainment/streaming/groceries, 5% hotels/rentals, 8% Capital One Entertainment, 1% everything else
Capital One
Capital One SavorOne Cash Rewards Credit Card (Fair Credit)
Annual Fee:$39
Welcome Bonus:No welcome bonus...
REWARDS
3% on dining/entertainment/streaming/groceries, 1% everything else
Paypal
PayPal Cashback Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
3% on PayPal purchases, 1.5% on everything else
Us Bank
U.S. Bank Smartly™ Visa Signature® Card
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
2% unlimited cash back (up to 4% with qualifying balances)
American Express
Blue Cash Everyday® Card from American Express
NO FEE
Annual Fee:$0
Welcome Bonus:$200 statement credit after $2,000...
REWARDS
3% on groceries, gas & online retail (up to $6K/category), 1% on everything else
American Express
Blue Cash Preferred® Card from American Express
Annual Fee:$0 intro first year, then $95
Welcome Bonus:$250 statement credit after $3,000...
REWARDS
6% on groceries & streaming, 3% on gas & transit, 1% on everything else
Bank Of America
Bank of America Customized Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 after $1,000 spend in...
REWARDS
6% cash back in choice category (first year), 3% thereafter, 2% groceries/wholesale clubs
Bank Of America
Bank of America Unlimited Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 after $1,000 spend in...
REWARDS
2% cash back on everything (first year), 1.5% thereafter
Capital One
Capital One Quicksilver Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash bonus + $100...
REWARDS
1.5% unlimited cash back
Capital One
Capital One SavorOne Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:No current welcome bonus...
REWARDS
3% dining, entertainment, groceries, streaming + 1% everything else
Chase
Chase Freedom Flex℠
NO FEE
Annual Fee:$0
Welcome Bonus:$200 after $500 spend in...
REWARDS
5% rotating categories + 3% dining/drugstores + 1% everything else
Chase
Chase Freedom Unlimited®
NO FEE
Annual Fee:$0
Welcome Bonus:$200 after $500 spend in...
REWARDS
1.5% unlimited + 3% dining/drugstores + 5% Chase Travel
Citi
Citi Custom Cash® Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash back after $1,500...
REWARDS
5% cash back on top spending category (up to $500/month), 1% on all else
Citi
Citi Double Cash® Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash back after $1,500...
REWARDS
2% cash back on all purchases (1% when you buy + 1% as you pay)
Citizens
Citizens Cash Back Plus™ World Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
1.8% on everything (1.9% with Citizens checking)
Discover
Discover it® Cash Back
NO FEE
Annual Fee:$0
Welcome Bonus:Unlimited Cashback Match (doubles all...
REWARDS
5% rotating categories + 1% on everything else
Discover
Discover it® Chrome
NO FEE
Annual Fee:$0
Welcome Bonus:Unlimited Cashback Match (doubles all...
REWARDS
2% at gas & restaurants (up to $1,000/quarter) + 1% on everything else
Us Bank
U.S. Bank Cash+® Visa Signature® Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 after $1,000 spend in...
REWARDS
5% on two custom categories (up to $2,000/quarter), 2% on one everyday category, 1% everything else
Wells Fargo
Wells Fargo Active Cash® Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash rewards bonus after...
REWARDS
2% cash rewards on all purchases
What to Consider
How do I choose the right cash back card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most cash back cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all cash back cards or explore other categories to find your perfect match.