Credit cards with cashback offers are one of the best ways to earn rewards on everyday spending. Whether you’re shopping for groceries, dining out, traveling, or making online purchases, a good cashback credit card helps you save money while spending.
In this detailed guide, we’ll cover:
✅ What a cashback credit card is.
✅ The top 10 cashback credit cards in the USA for 2025.
✅ How to choose the best cashback card for your needs.
Let’s dive in!
What is a Cashback Credit Card?
A cashback credit card rewards you with a percentage of your spending back in the form of:
✔ Statement credits (reducing your bill).
✔ Bank deposits (cash deposited into your bank).
✔ Gift cards or travel credits.
Unlike travel rewards credit cards that offer airline miles or hotel points, cashback is straightforward—you get real money that you can use however you like.
💡 Example: If your card offers 2% cashback and you spend $1,000 per month, you’ll earn $20 back every month—that’s $240 per year in savings!
Top 10 Best Cashback Credit Cards in the USA (2025)
To help you find the best cashback credit card, we’ve researched the top options based on reward rates, sign-up bonuses, and special features.
1. Chase Freedom Unlimited® – Best for Everyday Spending
This card is great for people who want a simple, high cashback rate without worrying about categories.
🔹 Cashback Rewards:
✔ 1.5% unlimited cashback on all purchases.
✔ 3% cashback on dining, drugstores, and eligible travel.
✔ 5% cashback on travel booked through Chase Ultimate Rewards®.
💰 Bonus Offer: Earn $200 bonus after spending $500 in the first 3 months.
Why Choose It?
✅ No rotating categories or activation required.
✅ No annual fee.
✅ High cashback on essential spending categories.
2. Citi® Double Cash Card – Best for Flat-Rate Cashback
If you want consistent cashback on all purchases without limits, this is a great option.
🔹 Cashback Rewards:
✔ 2% cashback on all purchases (1% when you buy + 1% when you pay).
Why Choose It?
✅ No need to track categories—just earn cashback on everything.
✅ No annual fee.
✅ One of the highest flat-rate cashback cards available.
3. Blue Cash Preferred® Card from American Express – Best for Groceries & Streaming
This card is perfect for families and frequent grocery shoppers.
🔹 Cashback Rewards:
✔ 6% cashback at U.S. supermarkets (up to $6,000 per year).
✔ 6% cashback on select U.S. streaming services.
✔ 3% cashback on transit and gas stations.
✔ 1% cashback on all other purchases.
💰 Bonus Offer: Earn a $250 statement credit after spending $3,000 in the first 6 months.
Why Choose It?
✅ Best grocery cashback rate available.
✅ Great for people who subscribe to multiple streaming services.
Annual Fee: $0 for the first year, then $95.
4. Discover it® Cash Back – Best for Rotating Categories
This card is ideal if you don’t mind activating different categories each quarter to earn higher cashback.
🔹 Cashback Rewards:
✔ 5% cashback on rotating categories (e.g., gas, groceries, dining, Amazon, etc.).
✔ 1% cashback on all other purchases.
💰 Bonus Offer: Discover matches all the cashback you earn in the first year—doubling your rewards!
Why Choose It?
✅ Potential for very high cashback in selected categories.
✅ No annual fee.
5. Capital One SavorOne Cash Rewards Credit Card – Best for Dining & Entertainment
If you love eating out and watching movies, this card is perfect for you.
🔹 Cashback Rewards:
✔ 3% cashback on dining, entertainment, and streaming services.
✔ 3% cashback on grocery stores.
✔ 1% cashback on all other purchases.
💰 Bonus Offer: Earn a $200 bonus after spending $500 in the first 3 months.
Why Choose It?
✅ No annual fee.
✅ Best cashback card for foodies and entertainment lovers.
6. Wells Fargo Active Cash® Card – Best for Simple High Cashback
🔹 Cashback Rewards:
✔ 2% unlimited cashback on all purchases.
💰 Bonus Offer: Earn $200 after spending $500 in the first 3 months.
Why Choose It?
✅ No annual fee.
✅ No categories to track—just simple, high cashback.
7. U.S. Bank Cash+® Visa Signature® Card – Best for Customizable Categories
This card is unique because you can choose your own 5% cashback categories.
🔹 Cashback Rewards:
✔ 5% cashback on two categories of your choice (e.g., gas, travel, dining, etc.).
✔ 2% cashback on one everyday category.
✔ 1% cashback on all other purchases.
Why Choose It?
✅ Total control over your cashback categories.
✅ No annual fee.
8. Bank of America® Customized Cash Rewards Credit Card – Best for Personalized Rewards
🔹 Cashback Rewards:
✔ 3% cashback in a category of your choice (gas, online shopping, travel, etc.).
✔ 2% cashback on grocery stores & wholesale clubs.
✔ 1% cashback on all other purchases.
Why Choose It?
✅ No annual fee.
✅ Higher cashback for Bank of America Preferred Rewards members.
9. Amazon Prime Rewards Visa Signature Card – Best for Amazon Shoppers
🔹 Cashback Rewards:
✔ 5% cashback on Amazon & Whole Foods purchases.
✔ 2% cashback on dining, gas, and drugstores.
✔ 1% cashback on all other purchases.
Why Choose It?
✅ No annual fee for Amazon Prime members.
✅ Ideal for frequent Amazon shoppers.
10. Capital One Quicksilver Cash Rewards Credit Card – Best for Simple Rewards
🔹 Cashback Rewards:
✔ 1.5% unlimited cashback on all purchases.
💰 Bonus Offer: Earn $200 after spending $500 in the first 3 months.
Why Choose It?
✅ No annual fee.
✅ Simple no-category cashback structure.
How to Choose the Best Cashback Credit Card for You
Consider these factors before applying for a card:
✔ Spending habits – Choose a card that matches where you spend most (e.g., groceries, dining, gas, etc.).
✔ Annual fees – Some high-reward cards have fees, but the rewards may outweigh the cost.
✔ Sign-up bonuses – Many cards offer $200–$300 just for meeting the minimum spending requirement.
✔ Redemption options – Look for cards that let you redeem cashback as statement credits, gift cards, or direct deposits.
Final Thoughts
A cashback credit card is one of the easiest ways to save money on daily purchases. Whether you prefer flat-rate cashback, rotating categories, or no annual fees, there is a card for everyone.
💡 Tip: Always pay your balance in full to avoid interest charges and maximize your cashback earnings!
Which cashback credit card do you like the most? Let us know in the comments! 😊