Best Cash Back Credit Cards

Editor: Laura Mohammad | Writer: Mariah Ackary

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Cash back credit cards are a useful tool to get paid back for the things you buy every day. Cash back is typically easy to understand and redeem, which is great for on-the-go folks who like to keep it simple. Cash back is also the most flexible form of rewards, allowing you to spend your earnings however you’d like.

For the simplicity lover, some cards offer a flat cash back rate on all purchases – usually between 1% and 2%. Other cash back cards offer a higher rewards rate on specific purchase categories like dining or groceries.

We analyzed 682 cash back card offers and narrowed them down to our top recommendations for a variety of lifestyles. Browse our picks for the best cash back offers from our partners and find a card that fits your spending habits.

Cash back credit cards are a useful tool to get paid back for the things you buy every day. Cash back is typically easy to understand and redeem, which is great for on-the-go folks who like to keep it simple. Cash back is also the most flexible form of rewards, allowing you to spend your earnings however you’d like.

For the simplicity lover, some cards offer a flat cash back rate on all purchases – usually between 1% and 2%. Other cash back cards offer a higher rewards rate on specific purchase categories like dining or groceries.

We analyzed 682 cash back card offers and narrowed them down to our top recommendations for a variety of lifestyles. Browse our picks for the best cash back offers from our partners and find a card that fits your spending habits.

Discover it® Cash Back
Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Rewards Rate

5%
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases – automatically.

At A Glance

Intro Bonus
Cashback Match™

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Annual Fee
$0
Regular APR
11.99% - 22.99% variable
Blue Cash Preferred® Card from American Express
Our rating:4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases

At A Glance

Intro Bonus
Up to $350

Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.

Annual Fee
$95, waived first year
Regular APR
13.99% - 23.99% variable
Bank of America® Customized Cash Rewards credit card
Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.

At A Glance

Intro Bonus
$200

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Annual Fee
$0
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Citi® Double Cash Card
Our rating:3.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
13.99% - 23.99% (Variable)
Blue Cash Everyday® Card from American Express
Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3%
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2%
2% Cash Back at U.S. gas stations and at select U.S. department stores.
1%
1% Cash Back on other purchases.

At A Glance

Intro Bonus
Up to $250

Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.

Annual Fee
$0
Regular APR
13.99% - 23.99% variable
Capital One Quicksilver Cash Rewards Credit Card
Our rating:3.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

At A Glance

Intro Bonus
$200

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual Fee
$0
Regular APR
15.49% - 25.49% variable
Capital One Spark Cash for Business
Our rating:3.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

At A Glance

Intro Bonus
$500

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Annual Fee
$95, waived first year
Regular APR
20.99% variable
Capital One SavorOne Cash Rewards Credit Card
Our rating:4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.

At A Glance

Intro Bonus
$200

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual Fee
$0
Regular APR
15.49% - 25.49% variable
Citi Rewards+® Card
Our rating:3.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.

At A Glance

Intro Bonus
15,000 points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Annual Fee
$0
Regular APR
13.49% - 23.49% (Variable)
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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.