Best Cash Back Credit Cards
Earn money back on every purchase with these top-rated cash back credit cards. From flat-rate rewards to rotating categories, find the perfect card for your spending habits.
Up to 6%
Maximum Cash Back Rate
6
Cards Reviewed
$0-$95
Annual Fee Range
4.8
Citibank
Citi Double Cash Card
People who want simplicity and consistent rewards
2%
Cash Back
$0
Annual Fee
None
Welcome Bonus
4.8/5
Rating
Key Highlights
- 2% on all purchases (1% when you buy, 1% when you pay)
- No annual fee
- No category restrictions
Pros
- Simple 2% rate on everything
- No rotating categories
- No annual fee
Cons
- No welcome bonus
- Must pay bill to earn second 1%
- Foreign transaction fees
4.7
Chase
Chase Freedom Unlimited
Chase ecosystem users and beginners
1.5%
Cash Back
$0
Annual Fee
$200 after $500 spend
Welcome Bonus
4.7/5
Rating
Key Highlights
- 1.5% on all purchases
- $200 welcome bonus
- No annual fee
Pros
- Good welcome bonus
- No annual fee
- Points transfer to Chase travel partners
Cons
- Lower base rate than some competitors
- Subject to Chase 5/24 rule
4.6
Discover
Discover it Cash Back
People who can maximize rotating categories
5%/1%
Cash Back
$0
Annual Fee
Cashback Match (doubles first year)
Welcome Bonus
4.6/5
Rating
Key Highlights
- 5% rotating categories
- 1% on all other purchases
- Cashback Match for first year
Pros
- High category rates
- First year cashback doubled
- No annual fee
Cons
- Rotating categories require activation
- Limited merchant acceptance
- 5% categories change quarterly
4.5
Capital One
Capital One SavorOne
Frequent diners and entertainment spenders
3%/1%
Cash Back
$0
Annual Fee
$200 after $500 spend
Welcome Bonus
4.5/5
Rating
Key Highlights
- 3% on dining and entertainment
- 1% on all other purchases
- $200 welcome bonus
Pros
- High dining rewards
- No annual fee
- Good welcome bonus
Cons
- Limited 3% categories
- No grocery rewards
- Lower rate on general purchases
4.4
American Express
Blue Cash Preferred Card
Heavy grocery spenders who can justify the annual fee
6%/3%/1%
Cash Back
$95
Annual Fee
$350 after $3,000 spend
Welcome Bonus
4.4/5
Rating
Key Highlights
- 6% on groceries (up to $6,000/year)
- 3% on gas and transit
- 1% on other purchases
Pros
- Highest grocery rewards
- Good gas rewards
- Strong welcome bonus
Cons
- Annual fee
- Grocery cap at $6,000/year
- Lower rate after cap
4.3
Wells Fargo
Wells Fargo Active Cash
Wells Fargo customers wanting simple rewards
2%
Cash Back
$0
Annual Fee
$200 after $1,000 spend
Welcome Bonus
4.3/5
Rating
Key Highlights
- 2% on all purchases
- $200 welcome bonus
- No annual fee
Pros
- Flat 2% rate
- Good welcome bonus
- No annual fee
Cons
- No category bonuses
- Limited additional benefits
- Wells Fargo relationship required for best value
Need Help Choosing?
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