Best Cash Back Credit Cards in the USA

Cash back credit cards are among the most popular choices for everyday consumers, offering direct money-back rewards on purchases without the hassle of points conversions. Whether you prefer flat-rate cash back on everything or bonus categories like groceries, dining, or gas, there’s a card that fits your spending style. Many of the best options come with no annual fee, making them a practical way to earn value from purchases you already make. In 2025, the top cash back credit cards combine generous rewards rates, flexible redemption options, and useful perks. Here are some of the top-rated cards worth considering this year.

1. Wells Fargo Active Cash® Card

2. Citi® Double Cash Card

3. Blue Cash Preferred® Card from American Express

4. Chase Freedom Unlimited®

5. Capital One Quicksilver Cash Rewards Credit Card

6. Bank of America® Customized Cash Rewards Credit Card

7. Discover it® Cash Back

This card offers a flat 2% unlimited cash back on all purchases, making it ideal for those who want simplicity and consistency. It also features a welcome bonus and no annual fee, plus cell phone protection when you pay your bill with the card.

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Earns 2% total cash back—1% when you buy and another 1% when you pay. With no annual fee and straightforward rewards, this is a strong long-term card for those who want hassle-free earning on every purchase.

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Blue Cash Preferred® Card from American Express

Great for families and grocery shoppers, this card earns 6% cash back at U.S. supermarkets (on up to $6,000 per year), 6% on select U.S. streaming services, 3% at U.S. gas stations, and 1% on other purchases. It carries an annual fee but often comes with a solid welcome offer.

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A versatile card offering 1.5% cash back on most purchases, plus 3% on dining and drugstores and 5% on travel purchased through Chase Ultimate Rewards. There’s no annual fee and strong introductory offers for new cardholders.

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Capital One Quicksilver Cash Rewards Credit Card

Earns 1.5% unlimited cash back on all purchases with no annual fee. It’s a solid choice for those looking for a simple and consistent rewards rate, and it includes benefits like extended warranty and travel accident insurance.

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Bank of America® Customized Cash Rewards Credit Card

Offers 3% cash back in a category of your choice (such as gas, online shopping, dining, or travel), 2% at grocery stores and wholesale clubs (on combined purchases up to $2,500 per quarter), and 1% on everything else.

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Rotating 5% bonus categories each quarter—like gas stations, restaurants, or Amazon—on up to $1,500 in purchases after activation, plus 1% on all other purchases. Discover also matches all the cash back earned in the first year, which can make for big savings.

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