Cash Back Credit Cards - Reviews
Cash back credit cards let you pocket earnings on eligible purchases and spend your rewards anywhere you like. To earn the most cash back rewards, you need to pick the best cash back credit card for your spending habits. Some pay a 1% to 2% flat rate on all of your purchases. Others offer cash back rates as high as 5%, but only on eligible purchases like travel or dining.
Many cash back credit cards have generous welcome offers that give you a hefty rewards balance from day one. Along with cash back perks, some cash back credit cards also offer 0% introductory APR on purchases and balance transfers upon application approval, plus nifty benefits like flexible payment plans for large purchases and discounts at select stores.
Our CreditCards.com experts reviewed hundreds of cash back credit card offers based on several factors. Cash back rates, welcome offers, redemption simplicity and interest rates are the key criteria we used. In our cash back credit card reviews below, you can compare our experts’ top picks from our partners for 2021 and find recommendations on the best cash back credit cards for your spending habits.
Ink Business Cash® Credit Card
Last reviewed: June 24, 2025
If you’re determined to keep costs to a minimum, the Chase Ink Business Cash Credit Card offers a lot of cash back on your business purchases — including purchases made on employee cards — for no annual fee.
The Gemini Credit Card®
Last reviewed: June 16, 2025
The Gemini Credit Card’s excellent, everyday rewards rates give cardholders a low-risk way to dip their toes into several popular cryptocurrencies — although it’s still a gamble whether the rewards will be worth more or less than the value a traditional cash or travel rewards card would provide instead.
Capital One Walmart Rewards® Mastercard®
Last reviewed: July 2, 2025
Thanks to its flexible redemption scheme and great rewards rate on practical purchases like grocery pickup, the Capital One Walmart Rewards Mastercard should offer a lot of value to cardholders who do most of their everyday shopping at Walmart.
All information about the Capital One Walmart Rewards® Mastercard® has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Instacart Mastercard®
Last reviewed: May 28, 2025
If you’re already an avid Instacart user, this card could be hugely rewarding thanks to its impressive rewards rate, broad category coverage and generous first-year bonus. If you only use the service occasionally, though, you may be better off with a general grocery rewards card.
The information about the Instacart Mastercard® has been collected independently by Creditcards.com. The issuer did not provide the content, nor is it responsible for its accuracy.
Citi Double Cash® Card
Last reviewed: July 2, 2025
If you regularly pay off your card in full each month, it’s hard to beat the cash back rewards on the Citi Double Cash card: It offers 2% cash back (1% when you buy and an additional 1% as you make payments for those purchases), making it an ideal card for purchases that don’t qualify for larger bonuses.
*All information about the Chase Freedom Flex℠ has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Wells Fargo Active Cash® Card
Last reviewed: July 2, 2025
The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period.
Power Cash Rewards Visa Signature® Card
Last reviewed: July 2, 2025
The Power Cash Rewards Visa Signature® Card awards 2 percent cash back, but only PenFed members can apply.
RBFCU CashBack Rewards card
Last reviewed: July 2, 2025
Customers of RBFCU can’t do much better than this highly rewarding cash back card, though it’s only available in Texas.
My GM Rewards® Mastercard®
Last reviewed: October 16, 2024
This card offers a very generous rewards rate on GM spending and also on everyday purchases, but the card’s restrictive redemption program doesn’t leave you many options for rewards.
Bank of America® Unlimited Cash Rewards credit card
Last reviewed: July 2, 2025
If you’re a Bank of America Preferred Rewards® program member at the Platinum tier or higher, the Unlimited Cash Rewards card is hands-down one of your best flat-rate cash back options. If not, you can probably do better.
*All information about the Bank of America® Unlimited Cash Rewards credit card has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Jasper Cash Back Mastercard®
Last reviewed: July 2, 2025
The Jasper Cash Back Mastercard charges no annual fee* and offers a chance at a high credit limit and decent baseline rewards. However, it doesn’t carry many distinguishing features that set it apart from other cards for people with fair credit.
*All information about the Jasper Cash Back Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Jasper Cash Back Mastercard is no longer available through CreditCards.com.