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.
Chase Freedom Unlimited®
Last reviewed: July 2, 2025
The Chase Freedom Unlimited® card offers a good sign-up bonus and an impressive average rewards rate, including a 1.5% cash back rate on general purchases, making it a great starter card for collecting Chase Ultimate Rewards.
Capital One Savor Cash Rewards Credit Card
Last reviewed: July 2, 2025
The Savor card offers a good rewards rate for cardholders who spend a heavy amount on food, but most cardholders are probably better off searching for a card with a flat 2% rate.
Blue Cash Everyday® Card from American Express
Last reviewed: July 2, 2025
A great card for families and frequent shoppers, the Blue Cash Everyday card offers a generous amount of cash back on everyday purchases, both in-store and online.
Chase Freedom Flex®
Last reviewed: July 2, 2025
The Chase Freedom Flex card’s unique blend of year-round and quarterly-rotating rewards categories should offer great variety. It may be especially appealing to frequent travelers who want to avoid an annual fee or pair it with a premium Chase travel card.
All information about the Chase Freedom Flex has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Capital One Savor Student Cash Rewards Credit Card
Last reviewed: June 10, 2025
A generous cash back rate in a variety of practical everyday categories makes the Savor Student card a solid starter cash back card, but the card’s APR could pose a risk to students new to credit
Blue Cash Preferred® Card from American Express
Last reviewed: July 2, 2025
Despite its annual fee after the first year, the Blue Cash Preferred card is one of our favorite cards for families. It helps take the sting out of carpool lines and long commutes by offering a generous rewards rate on U.S. gas station spending and one of the highest cash back rates you can get at U.S. supermarkets.
Discover it® Cash Back
Last reviewed: July 2, 2025
The Discover it® Cash Back card offers a substantial amount of value for cardholders who don’t mind keeping track of rotating bonus categories; but what really sets this card apart from its competitors is its consumer-friendly terms and ultra generous intro bonus, which matches the amount of cash back you earn at the end of the card member’s first year.
Terms and conditions apply.
Capital One® Savor® Cash Rewards Credit Card
Last reviewed: June 23, 2025
This card offers one of the best cash back rates on dining and entertainment purchases combined, but it’s not the best option for some cardholders due to its $95 annual fee.
The legacy Capital One Savor Cash Rewards Credit Card is no longer available on CreditCards.com and the offer details may be outdated. This card is no longer accepting new applications.
*All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. Capital One Savor Credit Card is no longer available through CreditCards.com.
Citi Custom Cash® Card
Last reviewed: June 16, 2025
It offers terrific value to low-maintenance cardholders and rewards experts alike since it automatically rewards your top spending category each billing cycle. Just be sure you aren’t missing out on accelerated rewards in your second- and third-highest categories.
*All information about the Citi Custom Cash® Card and Citi Double Cash® Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Bank of America® Customized Cash Rewards credit card
Last reviewed: June 23, 2025
The Bank of America Customized Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 combined spending cap on bonus category rewards limits how much cardholders can earn.
*All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Upgrade Elite Cash Rewards Visa®
Last reviewed: June 27, 2025
A unique credit card/loan hybrid that earns a great flat rate and refines your budget with consistent bill payments. While it lacks flexible cash back redemptions, it can be a fine solution if you consistently carry a balance.
Prime Visa
Last reviewed: June 17, 2025
The Prime Visa card offers a great rewards rate on Amazon and Whole Food purchases, but Prime membership requires a high fee, so the card only makes sense if you’re already an Amazon fan.