The Best Cash‑Back Credit Cards for 2025

Picking the right cash-back card comes down to how you spend: some cards offer flat rate earnings on all purchases, while others reward specific categories like groceries, dining, or travel. Whether you prefer simplicity or want to maximize rewards in select areas, one of these eight cards will serve you well.

1. Chase Freedom Unlimited®

2. Wells Fargo Active Cash® Card

3. Citi Double Cash® Card

4. Discover it® Cash Back

5. Blue Cash Preferred® Card from American Express

6. Capital One Savor Cash Rewards

7. Blue Cash Everyday® Card from American Express

8. Capital One Quicksilver Cash Rewards

This widely praised card offers 1.5% cash back on all purchases, plus elevated 3% on dining and drugstore purchases, and 5% on travel booked through Chase Travel. It also includes a $200 bonus after spending $500 in the first three months and a 0% introductory APR on purchases and balance transfers for 15 months.

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A true flat-rate powerhouse, this card gives you 2% cash back on every purchase—no categories to track and no annual fee. It also features a $200 bonus after qualifying purchases and an introductory 0% APR.

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Renowned for its simplicity and generous earning—1% cash back when you buy, and another 1% when you pay it off—this card offers an effective 2% total on eligible purchases. It also comes with a $200 bonus after meeting the initial spend requirement.

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Ideal for strategic savers, this card offers 5% cash back on rotating quarterly categories (up to $1,500 spent, with activation) and 1% on all others. Plus, Discover matches all your first-year cash back—effectively doubling your rewards.

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Blue Cash Preferred® Card from American Express

This is one of the best cards for families: 6% cash back at U.S. supermarkets (up to $6,000/year), 6% on select U.S. streaming, 3% on gas and transit, and 1% everywhere else. It has no annual fee for the first year, then a $95 fee.

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The go-to for foodies and entertainers, this card offers 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores, and 1% on all other purchases. It also includes a $200 bonus after spending $500 in the first three months—and carries no annual fee.

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Blue Cash Everyday® Card from American Express

For a no-fee option with solid return, this card delivers 3% cash back at U.S. supermarkets (up to $6,000/year), 2% on U.S. gas and select online retail, and 1% elsewhere. It’s a family-friendly choice with a simpler rewards structure.

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A straightforward flat-rate card with 1.5% cash back on all purchases, no annual fee, and a $200 bonus after spending $500 in the first three months. A solid choice if you’re looking for simplicity with reliable rewards.

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