Best Cash Back Credit Cards

Here are the best cash back credit card offers:

Chase Freedom Unlimited®

Supercharge Every Purchase with the Chase Freedom Unlimited^® Credit Card

$200 bonus after you spend $500 on purchases in your first 3 months
0% intro APR on purchases and balance transfers for 15 months
5% cash back on travel booked through Chase Ultimate Rewards^®
3% cash back on dining (including takeout & delivery) and drugstore purchases
2% cash back on Lyft rides through September 2027
1.5% cash back on all other purchases
No annual fee

Manage your card seamlessly in the Chase Mobile^® app, track your Ultimate Rewards^® points in real time, and redeem them instantly as statement credits or toward travel, gift cards and more. With flexible bonus categories and effortless redemptions, Freedom Unlimited^® is your go‑to for maximizing everyday rewards.

Terms apply. 3% foreign transaction fee. See issuer’s website for complete rates and fees.

Blue Cash Preferred® Card from American Express

Unlock Family-Focused Cash Back with the American Express Blue Cash Preferred^® Card

$250 statement credit after $3,000 in purchases within the first 6 months
6% cash back at U.S. supermarkets (up to $6,000 per year) and on select U.S. streaming services
3% cash back at U.S. gas stations and on transit (rideshares, tolls, parking, trains, buses)
1% cash back on all other purchases
$0 intro annual fee for the first year, then $95
0% intro APR for 12 months on purchases and balance transfers

Perfect for households and entertainment lovers, this card delivers best‑in‑class rewards on groceries and streaming, plus solid earnings on gas and transit. You’ll also enjoy a generous welcome credit and a full year of no annual fee to help offset costs. Manage your account seamlessly with AmEx’s digital tools, and take advantage of flexible “Plan It” installment options at no extra cost during your first year.

Terms apply. After intro annual fee, $95 applies. APR 20.24%–29.24% variable. Balance transfer fee: $5 or 3% of each transfer, whichever is greater. Foreign transaction fee: 2.7%. See issuer for full details.

Wells Fargo Active Cash℠ Card

Maximize Every Purchase with the Wells Fargo Active Cash^® Card

Unlimited 2% cash back on all purchases
$200 cash rewards bonus after $500 in purchases within 90 days
0% intro APR on purchases and balance transfers for 12 months
No annual fee
Flexible redemption via statement credit, direct deposit, ATM withdrawal or mailed check

Whether you’re grabbing a coffee, filling up at the pump or tackling big expenses, Active Cash delivers a straightforward 2% back on every swipe—no categories or caps. The generous sign‑up bonus and a full year of 0% APR make it easy to kickstart your rewards or consolidate high‑interest balances. Plus, enjoy cell phone protection and exclusive Visa Signature perks like concierge service and luxury hotel benefits.

Terms apply. Intro APR applies to purchases and balance transfers made within first 60 days; after that, variable APR of 19.24%–29.24% applies. See wellsfargo.com for complete details.

Citi® Double Cash Card

Unlock 2% Cash Back with the Citi Double Cash^® Card

2% cash back on all purchases: 1% when you buy, plus 1% as you pay
$200 cash back bonus after $1,500 in purchases within 6 months
0% intro APR on balance transfers for 18 months
No annual fee
3% foreign transaction fee

Perfect for simplifying your rewards, the Citi Double Cash^® Card delivers unlimited cash back on every dollar you spend and pay off. Redeem your ThankYou^® Points as statement credits, direct deposits or checks—all tracked easily in the Citi mobile app. Plus, use the introductory 0% APR period to consolidate balances and save on interest.

Terms apply. Balance transfer fee: 3% of each transfer (min $5) within first 4 months, then 5% thereafter. Intro APR applies to transfers completed within 4 months of account opening. See full terms for details.

Capital One Spark Cash Plus

Supercharge Your Business Rewards with the Capital One Spark Cash Plus Card

Unlimited 2% cash back on every purchase, everywhere
5% cash back on hotels and rental cars booked through Capital One’s travel portal
$2,000 one‑time bonus after $30,000 in purchases within the first 3 months
Additional $2,000 bonus for every $500,000 spent during your first year—earn multiple bonuses
No preset spending limit adapts to your business’s needs
$150 annual fee, fully refunded each year you spend $150,000
No foreign transaction fees
Charge card structure: balance due in full each month
Free employee and virtual cards with customizable controls and seamless accounting integration

Designed for high‑spend businesses, Spark Cash Plus delivers a powerful combo of flat‑rate rewards and massive welcome offers that more than offset its fee. With adaptable purchasing power, robust travel bonus rates and scalable employee programs, this card ensures every dollar fuels growth and returns—while you pay in full and build a stronger bottom line.

FAQs About Cash Back Credit Cards

What makes cash back cards appealing to everyday users?

Cash back cards offer simple, tangible value — you earn money back on purchases you already planned to make. They’re ideal for people who want effortless rewards without managing points systems or complex travel redemptions.

How do credit card companies benefit from giving you cash back?

When you use your card, the issuer collects fees from the merchant. Offering cash back encourages you to choose their card more often — and that increased usage helps them generate revenue, even while rewarding you.

Are all cash back programs the same?

No — some cards offer flat-rate rewards on all spending, while others give higher percentages in specific categories like groceries or gas. Some programs rotate bonus categories quarterly, which may require activation or tracking to maximize rewards.

Can I lose my accumulated cash back?

It’s possible. Most issuers allow you to keep cash back as long as your account is active and in good standing. However, if you miss payments or close the card, you could forfeit unredeemed rewards. Always redeem before canceling.

Do I need to report my cash back to the IRS?

In most situations, no. Cash back earned from purchases is viewed as a discount, not income. But if you receive bonuses unrelated to purchases — like referral rewards — they might be considered taxable. When in doubt, ask a tax expert.

Is cash back always credited to my statement?

Not necessarily. Some cards allow you to redeem rewards as a bank deposit, paper check, or even toward gift cards or purchases. You usually get to choose your preferred redemption method through your online account.