Best Cash Back
Earn cash rewards on everyday purchases. Here are our top picks for 2025.
OUR TOP PICK
American Express
Blue Cash Everyday® Card from American Express
4.5/5
ANNUAL FEE
$0
APR
0% intro for 15 months, then 19.74%–28.74% variable
WELCOME BONUS
$200 statement credit after $2,000 spend in 6 months
REWARDS
3% on groceries, gas & online retail (up to $6K/category), 1% on everything else
WHY WE LOVE IT
- ✓No annual fee makes it accessible for everyday use
- ✓Strong 3% cash back rate across three popular categories (groceries, gas, online retail)
- ✓Generous $6,000 annual cap per category (total of $18,000 earning 3% annually)
- ✓Extended 0% intro APR period (15 months on purchases and balance transfers)
- ✓Up to $84 annually in Disney+ streaming credits ($7 monthly)
- ✓No foreign transaction fees
- ✓Flexible redemption options including statement credits and Amazon checkout
- ✓Purchase protection and extended warranty coverage
- ✓Return protection on eligible purchases
- ✓Rewards never expire as long as account remains open
- ✓No minimum redemption threshold
MORE GREAT OPTIONS
American Express
Blue Cash Preferred® Card from American Express
4.5
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
4.5
NO FEEAnnual 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
4.5
NO FEEAnnual 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
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:$200 cash bonus + $100...
REWARDS
1.5% unlimited cash back
Capital One
Capital One SavorOne Rewards Credit Card
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:No current welcome bonus...
REWARDS
3% dining, entertainment, groceries, streaming + 1% everything else
Chase
Chase Freedom Flex℠
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:$200 after $500 spend in...
REWARDS
5% rotating categories + 3% dining/drugstores + 1% everything else
Chase
Chase Freedom Unlimited®
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:$200 after $500 spend in...
REWARDS
1.5% unlimited + 3% dining/drugstores + 5% Chase Travel
Citi
Citi Custom Cash® Card
4.5
NO FEEAnnual 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
4.5
NO FEEAnnual 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®
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
1.8% on everything (1.9% with Citizens checking)
Discover
Discover it® Cash Back
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:Unlimited Cashback Match (doubles all...
REWARDS
5% rotating categories + 1% on everything else
Discover
Discover it® Chrome
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:Unlimited Cashback Match (doubles all...
REWARDS
2% at gas & restaurants (up to $1,000/quarter) + 1% on everything else
Goldman Sachs
Apple Card
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:$75 Daily Cash after $75...
REWARDS
3% on Apple/select merchants, 2% with Apple Pay, 1% physical card
Synchrony
PayPal Cashback Mastercard®
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
3% on PayPal purchases, 2% everywhere else
Us Bank
U.S. Bank Cash+® Visa Signature® Card
4.5
NO FEEAnnual 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
4.5
NO FEEAnnual 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.